Two-wheeler loan (Used & New)

Are you tired of being dependent on your friends & public transport for commuting?
Feel the sense of liberty & convenience by purchasing a Used/new Two-Wheeler through finance without any hassle!

  • Affordable Down Payment
  • Flexible Tenure

  • Low EMI
  • Assistance with Vehicle Ownership Transfer & Insurance

Loan Eligibility Criteria

  • Salaried Professionals & Self-Employed over the age of 18 years and below 65 years by the end of the loan tenure.

  • Employment Stability of at least 3 months in case of Salaried Professionals; & 12 months in case of Self-Employed.

How to apply

  • Apply on line

  • Visit Dealership

  • Visit our Nearest Branch

  • Contact Centre

Loan Documents

  • Photo Identity Proof: PAN Card Aadhaar Card Driving License Voter ID Card Passport

  • Address Proof: Aadhaar Card Driving License Voter ID Card Passport Latest Utility Bill Ration Card Sale Deed/Property purchase agreement (for owned properties) Registered Rent Agreement (for rented profiles)

Please note that DVR Finance may ask for additional documents and proofs for further verification.

Benchmark Rate

The rate of interest for the same product and tenor availed during same period by different customers need not be the same. It could vary for different customers depending upon consideration of factors taken into account by businesses for calculating spreads such as credit and default risk, profile of the borrower, repayment track record of the borrower, bureau score, ticket size and tenure of the loan, historical performance of similar homogeneous clients, nature and value of collateral security, location delinquency, customer indebtedness (other existing loans)

Electric Two / Three wheeler

We have got tailor made products to suit the needs of varied customer needs and we are ready to serve various segments.
Our Used Car Loans come with exclusive features like high LTV, flexible repayment tenure and pocket-friendly EMI so that you get the car you want.

Enjoy quick disbursal of funds, special rates of interest and a lot more. So now get perfect car and the perfect loan for it, the way you want it.


  • Quick Disbursals
  • Pocket friendly EMI
  • Simple and Easy Application
  • Flexible Tenure
  • Maximum Loan Offered
  • Fixed Rate

Used Car Loan

We understand how a four-wheeler of your own is not just a luxury today, but a necessity. We help you with personalized car loans to make your dreams come true.

Are you a self-employed professional or entrepreneur? Do you hail from an urban Centre or a rural area? Whatever be your profile and requirements, we are there to help.

We sanction loans based on your income generation abilities, vehicle running experience, geographical aspects, asset holding and other factors. We make car ownership easy for everyone. Fulfil your dreams today with SK Finance Limited. Own what you do. Own your destiny.

Our eligibility criteria cover aspects like age, income, nature of income, and other aspects. We work out the best possible loan solution based on your eligibility.

Features & Benefits

  • Loans for all owner profiles.

  • Attractive interest rates.

  • 100% transparency in loan process.

  • Quick loan application and processing.

  • Seamless loan disbursals.

  • Easy EMI calculator.

  • Convenient used-car financing options.

Loan Against property

A loan against property (LAP) is another form of secured loan. Self-employed and business owners can avail of this loan after mortgaging their property as collateral. It comes with a lower interest rate because the sanctioned amount is determined based on the valuation of the property. As the collateral is commercial or residential property, customers can obtain a large amount as compared to other loan forms.

LAP helps businesses to expand. It helps you to maintain ownership of your property without having to worry about meeting your financial obligations.

Why take a loan against property? What benefits does it have over a regular loan?

Loan against properties is usually taken to serve professional purposes. It can be used to expand your business, consolidate your high-priced debt into a single low-priced loan, upgrade your factory, fund purchase of new plant and machinery or acquire other businesses.

Let's say that you are running an educational institution and are looking to expand with new business centers in different areas in the city. You may pit a regular business loan and a loan against property to know what works better for you. You are essentially looking for a loan that can stretch itself to the maximum and give you time and flexibility for repayment as your business picks up in the new location. Let's lay out the benefits.

First things first, with a loan against property, you get a higher loan amount with a lower EMI. In a personal loan, your loan amount is capped by your income capacity, limiting your options while in a loan against property, if you have a high net worth asset, your loan amount can increase significantly.

Because the security is provided in terms of a property, this will also mean lower interest rates. The interest rates typically range from 13%-15%. A personal loan, on the other hand, can have interest rates between 14% and 24%. This means that you will be able to reduce your credit expense by utilizing your existing assets.

The second benefit is definitely the loan tenure. After home loans, loans against property allow return tenure of more than a decade with a maximum period of 15 years. You only get a maximum of 5 year return period for a personal loan. It also works as an excellent debt consolidation tool for those who already have an existing higher ROI loans.

One hidden benefit that works well is that you can use a refinance option during the loan tenure if the property value increases, which works great if you plan to expand your business periodically.
Having said this, one must also be aware of the all aspects of taking a loan against property like:


  • In most cases, banks do not provide over 60% of the property value as a loan or over 50% in the case of commercial properties. In such cases, a non-bank lender like DVR Financer is a great option. They not only offer higher amount of loans but often offer a better loan rate for your property as well.

  • You may be charged a processing fee between 0.5% - 1% depending on the terms the lenders extend

  • It goes without saying that this loan is best when you have a well chalked out plan on your repaying abilities. The consequences of not paying the loan can result in the obvious loss of property.

  • If you're a salaried individual, you won't get a tax rebate for this loan. But if you have a business and you can prove that the loan was taken to improve your venture then, you can claim a tax deduction on the interest amount.

  • If you are a business owner, some financial institutions can increase your eligibility limit by offering turnover surrogate schemes. Make an inquiry about this when you apply.

  • You can also increase your eligibility amount by applying with multiple properties like residential and commercial properties, residential plots, farmhouses, industrial property, hotels, guest houses, nursing homes, hospitals etc.

If you've weighed all the pros and cons and think this will be a good option, here's how you can check your eligibility criteria and get your documentation in order. Loan against property can be availed by self-employed businessmen, manufacturers, retailers, traders and service providers, although there are restrictions for startups. Loan can be availed by proprietorships, partnerships, Public & Pvt. Ltd Companies. Business like those for auto components, auto manufacturing companies, educational institutions, schools, colleges and service sectors are some of the prime beneficiaries of this loan. You should be between 21 and 65 years and have a good credit score too.

You'll be required to produce identification documents like PAN, voter's id, passport, electricity or telephone bill, financial statement in case you are self employed and income statement for the last three years if you are salaried.

Details about the Application Process

You'll need to start by choosing a financial institution. Check out reviews of those who have great customer service and enjoy a good reputation in the market. While word of mouth is a good bet, players like DVR Financer which provide a great value for service during the loan tenure will be a good lender to go with. The overall process may take as few as five business days - where your assigned relationship manager examines your documents and eligibility criteria on day 1, you submit your documents and wait for a total of 3 days for financial appraisal and finally on day 5 your loan may be sanctioned!

Other important things to know

In order to reduce your debt obligation, you may want to do a balance transfer of your loan. This entails moving your loan to an institution which provides a lower interest rate and resultantly helps you save on EMIs or a shorter tenure. To do this, the entire unpaid principle amount will have to be paid back to the original lender and you will continue to pay the remaining EMIs at a new rate to your new lender. This does involve a bit of paperwork but it can be worth the savings in the long run.

Gold Loan


Why go for Personal or Business loans when you have the power of gold with you! Get a loan against your gold, in minutes!


Gold loans are secured loans where the customer pledges the gold ornaments they hold as a collateral deposit against the money they are going to receive. Gold loans are usually taken for short term financial obligations.


Gold loans are secured loans whereas personal loans are unsecured. The gold loan requires a collateral deposit, where the gold itself is pledged against the money the customer receives, while in personal loans collateral deposits are not required. Gold loans allow greater disbursal amount; through the gold loan, you can draw up to 5 crores while personal loan allows disbursal up to just 40 lakhs. The lower interest rate of the gold loan is another feature that has convinced people to avail gold loan facilities widely for their financial requirements.


Procedures included in the application for a gold loan are very simple. You have to first approach a lender, the lender will value your gold and calculate the maximum amount you can borrow. You will be required to fill a loan application for this and submit necessary documents such as copies of ID proofs and valid address proof. Once the value is calculated the money is instantly disbursed and you can use it for your intended purpose immediately.


Anybody over the age of 18 can apply for a gold loan provided he or she is the actual owner of the ornaments they present. The banks are not required to consider factors such as income, age, credit score, banking history, etc.

Instant Gold Loan

  • Draw instant Cash by pledging your Gold Ornaments and Jewellery.

  • Higher loan amounts, depending on purity, net weight of the gold.

  • Choose from a range of schemes; there’s one just right for your needs.