Why Ujjivan's Chakra Loan Is Your Best Bet for Two-Wheeler Financing
July 03, 2025

Aarav, a young delivery executive in bustling Bengaluru, had a dream—owning a two-wheeler. The long hours of waiting for public transport and navigating crowded metros often drained him, leaving less time for his family. One day, Aarav came across a flyer about Ujjivan's Chakra Loan.
Intrigued, he decided to explore further. What made Ujjivan’s Chakra Loan stand out? Why did it seem tailored for someone like Aarav? Let’s follow his journey and understand why Ujjivan's Chakra Loan could be the key to making your dream two-wheeler a reality.
1. Easy Eligibility for Every Aspiration
Aarav feared his modest income would be a hurdle. But Ujjivan’s Chakra Loan was designed with people like him in mind. With minimal documentation and a simple process, it was accessible for salaried, self-employed, and gig workers.
2. Flexible Repayment Options: Aarav’s Relief
What truly made Aarav’s heart light up was the customizable repayment options/tenures. Ujjivan offered multiple EMI plans suited to his cash flow, ensuring he could repay comfortably without stretching his finances. For example, Ujjivan offers repayment tenures of up to 48 months or 4 years for two-wheeler loan.
3. Competitive Interest Rates
Unlike traditional financiers, Ujjivan’s Chakra Loan offered competitive interest rates. Aarav was thrilled to find that his EMIs would remain budget-friendly, enabling him to save for other priorities as well.
4. Quick Approvals
Time was of the essence for Aarav, as his new delivery contract depended on owning a vehicle. Ujjivan’s promise of quick approvals meant Aarav could hit the road sooner.
The Human Touch: More Than Just a Loan
At Ujjivan, it wasn’t just about numbers and paperwork. Aarav appreciated how the staff guided him through the process, answering every query patiently. The personalized service made him feel valued, unlike the mechanical experience at other financial institutions.
How Aarav’s Life Transformed
With his new two-wheeler financed by Ujjivan, Aarav’s life saw an incredible transformation. He cut down his commute time, increased his earnings by taking more orders, and even managed to spend quality evenings with his family.
For Aarav, the Chakra Loan was more than financing; it was an enabler of his dreams.
Why Choose Ujjivan’s Chakra Loan for Your Two-Wheeler?
- Affordable EMIs tailored to your income
- Transparent policies with no hidden charges
- A wide network of dealerships partnered with Ujjivan
- Financing up to 100%* of the on-road price of the vehicle
Final Thoughts
Just like Aarav, your dream of owning a two-wheeler is within reach. Ujjivan’s Chakra Loan is designed to cater to your needs, offering flexibility, affordability, and unmatched customer support. So, why wait? Let Ujjivan help you ride into a brighter future!
Buying your dream bike isn’t a distant affair anymore! Apply for Chakra Loan (Two-Wheeler Loan) with Ujjivan Small Finance Bank and bring home the bike of your choice. Enjoy affordable interest rates and quick disbursal. Apply now!
Disclaimer:
The contents herein are only for informational purposes and generic in nature. The content does not amount to an offer, invitation or solicitation of any kind to buy or sell, and are not intended to create any legal rights or obligations. This information is subject to updation, completion, amendment and verification without notice. The contents herein are also subject to other product-specific terms and conditions, as well as any applicable third-party terms and conditions, for which Ujjivan Small Finance Bank assumes no responsibility or liability.
Nothing contained herein is intended to constitute financial, investment, legal, tax, or any other professional advice or opinion. Please obtain professional advice before making investment or any other decisions. Any investment decisions that may be made by the you shall be at your own sole discretion, independent analysis and evaluation of the risks involved. The use of any information set out in this document is entirely at the user’s own risk. Ujjivan Small Finance Bank Limited makes no representation or warranty, express or implied, as to the accuracy and completeness for any information herein. The Bank disclaims any and all liability for any loss or damage (direct, indirect, consequential, or otherwise) incurred by you due to use of or due to investment, product application decisions made by you on the basis of the contents herein. While the information is prepared in good faith from sources deemed reliable (including public sources), the Bank disclaims any liability with respect to accuracy of information or any error or omission or any loss or damage incurred by anyone in reliance on the contents herein, in any manner whatsoever.
To know more about Ujjivan Small Finance Bank Products Visit:"https://www.ujjivansfb.in"
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to Ujjivan Small Finance Bank Limited or its licensors. Unauthorised use or misuse of any intellectual property, or other content displayed herein is strictly prohibited and the same is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would (by reason of that person’s nationality, residence or otherwise) be contrary to law or registration or would subject Ujjivan Small Finance Bank Limited or its affiliates to any licensing or registration requirements.
FAQs
1. What is the interest rate for Ujjivan’s Chakra Loan?
Ujjivan offers competitive interest rates, which may vary based on your profile and loan tenure.
2. How much loan amount can I avail?
You can finance up to 100% of the on-road price of the two-wheeler.
3. What documents are required to apply?
Basic documents like ID proof, address proof, income proof, and vehicle details are needed.
4. Can I prepay my Chakra Loan?
Yes, Ujjivan allows loan prepayment. Please contact the bank for more details on the prepayment process.
5. Does Ujjivan finance second-hand two-wheelers?
Currently, the Chakra Loan is tailored for new two-wheelers.
6. What happens if I miss an EMI payment?
Ujjivan provides grace periods and works with you to avoid penalties. It’s best to stay in communication.
7. How do I apply for a Chakra Loan?
You can apply online through Ujjivan’s website. Click on the ‘Apply Now’ button and fill out the form. Bank representatives will contact you to help you proceed further. Alternatively, you can visit the nearest branch and apply.
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