Question 1

Can this support high daily loan volumes through dealer networks?

Accepted Answer

Yes. Architecture and workflows target retail throughput — bulk dealer uploads, batch approvals for pre-scored segments, and parallel maker-checker for exceptions. Large two-wheeler financiers processing thousands of applications monthly use straight-through paths for the majority of standard cases.

Question 2

Does it support dealer subvention and OEM promotional schemes?

Accepted Answer

Dealer/OEM subsidy on rate or processing fee is configured per scheme window with correct accounting. Subvention receivable ageing reports help finance teams chase OEM settlements — a common pain point when promotional schemes change every quarter.

Question 3

How is hypothecation and RC registration tracked post-disbursement?

Accepted Answer

Integration with VAHAN/RC verification (where deployed) and manual RC upload checkpoints ensure hypothecation is recorded before portfolio cut-off dates. Pending RC reports by dealer and region reduce unsecured exposure on disbursed vehicles.

Question 4

Can used/refurbished two-wheeler loans run alongside new vehicle finance?

Accepted Answer

Separate products with different LTV, tenure, and valuation rules (depreciation tables, inspector assessment) coexist. Used-vehicle loans often need stronger field verification — BPM reflects that with extra document and inspection steps without slowing new-vehicle STP.

Question 5

Is there a dealer portal for lead upload and payout tracking?

Accepted Answer

Dealers submit applications, upload KYC, track approval status, and view disbursement/payout statements on a restricted portal. Dealer scorecards (approval TAT, delinquency, document quality) help you manage network quality as you open new outlets.

Question 6

How are insurance and add-on products handled at disbursement?

Accepted Answer

Mandatory vehicle insurance, personal accident, or extended warranty premiums can be captured and financed or collected separately per product rules. Refund on loan cancellation adjusts add-on components correctly — avoiding customer disputes at dealer counters.

Question 7

Does the collection app support repo and field recovery for TW books?

Accepted Answer

Delinquency queues, visit logging, repo initiation (where policy permits), and yard inventory tracking integrate with standard EMI collection. Two-wheeler recovery has shorter cycles than mortgage — collection workflows reflect faster escalation cadences.

Question 8

Can co-lending or BC partners originate two-wheeler loans on the platform?

Accepted Answer

Partner attribution, split disbursement, and portfolio reporting by originator support co-lending and BC arrangements. Partners see only their book; you retain HO view across all channels with unified bureau and fraud checks at origination.

Two Wheeler Loan Software

Streamline loans with our software solutions

Loan Origination

Loan Management

Collection

Key Features

Purpose-Built for Two Wheeler Loan Software Lenders

Companies like "Au Financiers" grew to a size of 3500 crore on our software

Managed Loan Count

Managed Loans Worth

Lender Clients

Auto & Two-Wheeler Clients

Frequently Asked Questions