Two-Wheeler Loan Expectations Vs. Reality

  • Two Wheeler Loans
  • 6 Months ago
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Two-Wheeler Loan Expectations Vs. Reality

Introduction

Two-wheeler loans are on the rise, especially after the entry of electric vehicles into the market. Consumers prefer two-wheelers for faster travel, easy maintenance, and time efficiency.

The rise in two-wheeler demand has consequently increased the demand for two-wheeler loans. However, consumers have certain preconceived notions when they consider two-wheeler loans. In most cases, lack of clarity stops consumers from applying for two-wheeler loans. Therefore, here are the expectations of prospective borrowers and what the reality holds for them.

Expectation vs. Reality Check

Expectation: Too much paperwork will be required

Reality: Two-wheeler loans involve minimal paperwork. One only needs the following documents to apply for a two-wheeler loan:

  1. Identity Proof (any one of the following): Driving Licence | PAN Card | Voter ID Card | Passport
  2. Address Proof (any one of the following): Gas bill with Gas Book | Passport | Driving Licence
  3. Other Documents: Income proofs | Passport size photos | Last 6-month bank statements | Cancelled cheque along with ACH document for ECS mandate | In case of new vehicles, vehicle registration certificate duly endorsed.

Expectation: A two-wheeler loan takes up a lot of time!

Reality: Two-wheeler loan sanction and disbursal is a time-efficient process. Upon furnishing the specified documents, the lender will instantly take up the application for appraisal and decide upon the approval or rejection thereof.

Expectation: The interest rate on two-wheeler loans is soaring high!

Reality: The two-wheeler market is booming like never before, especially after the arrival of electric vehicles. Thus, lenders are offering two-wheeler loans at affordable interest rates. The two-wheeler loan interest rates start at just 11.40% per annum.

Expectation: The two-wheeler loan will have stringent eligibility criteria!

Reality: The two-wheeler loan has easy to fulfil eligibility criteria. One can apply for a two-wheeler loan if:

  1. The applicant is at least 21, and the maximum age at the time of loan maturity does not exceed 59.
  2. May be either a salaried or self-employed individual.
  3. In the case of a salaried applicant, the applicant shall have a minimum work experience of one year with a minimum salary of at least Rs. 12,000 per month.
  4. In the case of a self-employed individual, the applicant shall be in the business for at least two years.
  5. The applicant shall be residing at the same address for at least one year.

Expectation: I will have to furnish collateral security for a two-wheeler loan

Reality: The two-wheeler loan may be secured or unsecured. The choice rests with the applicant. In case of a secured loan, the applicant shall be required to furnish collateral security. However, it will consequently reduce the interest rate. If the applicant opts for an unsecured loan, then the applicant shall not be required to furnish the collateral security. However, a slightly higher interest rate may be charged in the case of an unsecured loan. Therefore, it's not necessary to furnish collateral security in case of a two-wheeler loan.

Expectation: There is no interest benefit for two-wheeler loans unlike home loans!

Reality: Generally, two-wheeler loans do not offer tax benefits like home loans. However, there are two exceptions:

  1. Business purpose: If the two-wheeler loan is taken for business purposes, the applicant can claim interest expense as a business expense. This leads to a reduction in profits thereby inculcating tax savings.
  2. Electric Vehicle: If the applicant goes for an electric two-wheeler, then the government has made special provisions for tax benefits under the Income Tax Act, 1961. Therefore, a buyer of an electric vehicle, whether a car or two-wheeler, can claim a deduction of interest paid on a two-wheeler loan under Section 80EEB of the Income Tax Act, 1961 up to Rs. 1,50,000 for each financial year.

Expectation: I will have to make at least half of the vehicle cost as a down payment before going for a two-wheeler loan!

Reality: Two-wheeler loans have a high LTV ratio. LTV is the loan amount financed by the financial institution against the asset value. Generally, institutions provide up to 85-90% of the on-road price of a two-wheeler as a loan. However, Shriram City has leaped further to benefit the borrowers with a 100% LTV ratio. Therefore, you can purchase your two-wheeler with zero down payment if your vehicle is eligible for 100% LTV.

Expectation: I won't be able to take a two-wheeler loan as I don't have a credit history!

Reality: Anyone who meets the eligibility criteria can secure a two-wheeler loan.

Expectation: I won't be able to get a two-wheeler loan if I fail to meet the eligibility criteria!

Reality: While meeting the eligibility criteria is paramount to getting any loan sanctioned, there is always a silver lining in the clouds. In most cases, income and CIBIL score are the criteria that applicants might fail to satisfy. In such a case, bringing a co-applicant or a guarantor can increase the chances of getting your loan sanctioned. Therefore, even if you fail to meet the eligibility criteria, then a co-applicant with a higher income and good CIBIL can help you get your loan sanctioned.

Two-wheeler loan EMI calculator

You can preplan your EMI with a two-wheeler loan EMI calculator. You just need to enter the loan amount, tenure, and two-wheeler loan interest rate to know the exact amount of EMI. Plan your budget accordingly with a two-wheeler loan EMI calculator.

In A Nutshell

As seen from the above, most of you might be relieved of the fact that two-wheeler loans are far easier to avail of than you thought. Fewer formalities, minimal documentation, and faster processing are what borrowers look for when applying for any loan. So, if you wanted to purchase a two-wheeler but were holding back due to any of the above expectations, then clear out all your preconceived notions and jump into reality. Get your two-wheeler now with Shriram City looking after the finances.

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  • Oct 21 2021
  • |
  • Two Wheeler Loans

Best Fixed Deposit Schemes in India

  • Sep 06 2021
  • |
  • Fixed Deposit

Difference Between Compound Interest and Simple Interest

  • Sep 22 2020
  • |
  • Fixed Deposit

Bike Loan on Fixed vs Floating interest Rate

  • Mar 26 2021
  • |
  • Two Wheeler Loans

Best Bike Loan Scheme by Shriram City

  • May 17 2021
  • |
  • Two Wheeler Loans

NBFC vs Bank: What makes NBFC better than banks

  • May 24 2021
  • |
  • Two Wheeler Loans

Easy ways to repay the Loan against Jewellery

  • May 12 2021
  • |
  • Gold Loan

Tips to a debt-free life: A blog on how to get rid of debts in life.

  • Sep 09 2021
  • |
  • Loans

How is new technology helping NBFCs evolve?

  • Aug 18 2021
  • |
  • Loans

Are the Interest Rates the Same Whether You Choose the Cumulative or Non-Cumulative Option?

  • Jul 08 2021
  • |
  • Fixed Deposit

Financial Advantages of Obtaining a Loan against Gold

  • Dec 02 2021
  • |
  • Gold Loan

Two Wheeler Loan Repayment Plans and Options

  • Feb 26 2021
  • |
  • Two Wheeler Loans

How can students save money every month and get the highest return?

  • Dec 09 2021
  • |
  • Recurring Deposit

Is it possible for a minor to open an RD in Shriram City?

  • Jul 23 2021
  • |
  • Recurring Deposit

Simple Bike Financing with Zero Down Payment

  • Dec 03 2021
  • |
  • Gold Loan,Loans

Loan For Women Entrepreneurs

  • May 23 2022
  • |
  • Loans

Integration of the Use of AI in Finance

  • Aug 18 2021
  • |
  • Loans

Which Fixed-Income Investment Is Best for You Is Determined by Your Time Scale

  • Jan 25 2022
  • |
  • Fixed Deposit

Reasons and Benefits of Owning a Two Wheeler in City

  • Jul 28 2021
  • |
  • Two Wheeler Loans

The Only Guide You Need To Getting A Loan Against Gold Jewellery

  • Dec 04 2021
  • |
  • Gold Loan

Your One-stop Guide on Delay or Defaulting on Loan EMIs

  • Apr 02 2021
  • |
  • Two Wheeler Loans

Why should I invest in Shriram City's recurring deposit?

  • Jul 19 2021
  • |
  • Recurring Deposit

Is It Possible For a Single Customer in Shriram City to Invest in Both FDs and RDs From the Same Account?

  • Jul 21 2021
  • |
  • Recurring Deposit

Why Is a Good CIBIL Score Vital For Achieving Business Goals?

  • Aug 02 2021
  • |
  • Business Loans

Choose Your SME Loan As Per Your Requirement

  • Oct 26 2021
  • |
  • Business Loans

Most Relevant Senior Citizen FD Rates and Schemes

  • Nov 30 2021
  • |
  • Fixed Deposit

How Does An SME Loan Help In Business Growth And Expansion

  • Oct 25 2021
  • |
  • Business Loans

Benefits of Taking Loan for Two Wheeler

  • May 22 2021
  • |
  • Two Wheeler Loans

Why are SME Loans Crucial for Your Company's Growth?

  • Jan 20 2022
  • |
  • Business Loans

How can Investments in Fixed Deposits Help for Retirement?

  • Oct 21 2021
  • |
  • Fixed Deposit

Who Should Consider Investing in a Recurring Deposit?

  • Jul 20 2021
  • |
  • Recurring Deposit

Is there any TDS on Recurring Deposits?

  • Jul 30 2021
  • |
  • Recurring Deposit

AI Resolution In Lending: Hype Or Reality?

  • Aug 17 2021
  • |
  • Two Wheeler Loans

Are recurring deposits covered by insurance?

  • Jul 15 2021
  • |
  • Recurring Deposit

Is it possible to set up a recurring deposit online?

  • Jul 30 2021
  • |
  • Recurring Deposit

How Does My Personal Credit Affect My SME Loan?

  • Oct 19 2021
  • |
  • Business Loans

Premature Withdrawal of Recurring Deposit

  • May 23 2022
  • |
  • Recurring Deposit

Bike Buying Guide: Factors to Consider While Buying Bike

  • Feb 27 2021
  • |
  • Two Wheeler Loans

Why You Should invest More Time on Recurring Deposit

  • Feb 05 2022
  • |
  • Recurring Deposit

Advantages and Disadvantages of Recurring Deposit Account

  • May 23 2022
  • |
  • Recurring Deposit

Recurring Deposit : - Five problems, one solution

  • Feb 04 2022
  • |
  • Recurring Deposit

Tips for Students and Professionals on Recurring Deposits

  • Dec 10 2021
  • |
  • Recurring Deposit

7 Up-and-Coming Trends About Recurring Deposit

  • Feb 04 2022
  • |
  • Recurring Deposit

Is investing in Corporate FDs a good option to build your corpus?

  • Nov 25 2021
  • |
  • Fixed Deposit

How flexi recurring deposit offers complete flexibility

  • Nov 30 2021
  • |
  • Recurring Deposit

Recurring Deposit : Expectations vs. Reality

  • Feb 05 2022
  • |
  • Recurring Deposit

10 Things Your Kids Don't Know About Recurring Deposits

  • Jan 21 2022
  • |
  • Recurring Deposit

Get started with minimum investment on recurring deposit

  • Nov 29 2021
  • |
  • Recurring Deposit

Why‌ ‌are Recurring‌ ‌Deposits‌ ‌helpful‌ ‌to‌ ‌small‌ ‌businesses?‌

  • Jan 24 2022
  • |
  • Recurring Deposit

Understanding Principal And Tenure Of An SME Loan

  • Oct 19 2021
  • |
  • Business Loans

How To Allocate Funds Efficiently After Receiving an SME Loan?

  • Oct 20 2021
  • |
  • Business Loans

Loan against FD

  • May 23 2022
  • |
  • Fixed Deposit