Two-Wheeler & CV Loans
Two-wheeler and CV files checked from KYC to hypothecation on the RC, ready for a decision in minutes.
Why it matters
High-volume 2W and CV files are checked by hand at branches; RCs go months without the lender’s hypothecation recorded, and permits and fitness lapse unseen.
How the solution handles it
Agents read KYC and bureau, assess income from bank statements, ITR or GST returns, check the vehicle, permit and fitness on Vahan and match the dealer invoice to the delivery order. A tracker follows the Form 34 endorsement until hypothecation shows on the RC. The credit manager approves disbursal.
How a vehicle loan moves
Five agents read KYC, check bureau and income, check the vehicle on Vahan, match the invoice and track hypothecation; a credit manager approves disbursal.
What it reads, and what it hands back.
What goes in
- KYC: PAN, Aadhaar, CKYC record
- CIBIL / CRIF report
- Bank statements, ITR or GST returns
- Dealer invoice and delivery order
- RC, permit, fitness certificate, insurance
What comes out
- Cited credit note for disbursal
- Vehicle and Vahan check
- Hypothecation tracker until it shows on the RC
- Deviation list
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
Hypothecation: Form 34 under the Central Motor Vehicles Rules, recorded on Vahan · “Target” = design goal, measured in the live solution · “Estimated” = our estimate · agents = the live solution’s configuration
5 specialist agents. One person decides.
More in this division.
Every deal jacket checked against the approval and stips the day it arrives, so clean deals fund sooner.
Stip VerificationProof of income, residence and insurance checked against the application, with fakes flagged before funding.
Fleet Credit ReviewFleet financials, contracts and vehicle schedules read together into a cited credit memo, the same week.
Build this
for your team.
We’ll show Two-Wheeler & CV Loans running on your own documents.