Tired of the bumper-to-bumper driving in India? Desperately need a way out of the endless traffic jams? Swapping your car for a bike can act as a breath of fresh air from your monotonous, traffic-addled lives. Owing to their efficiency, there has been an incredible surge in the purchase of two wheelers and subsequently, two wheeler loan in India. But before you apply for bike loan, it is crucial to be sure about the bike you wish to purchase.

Want to purchase a bike but cannot make a decision? Take a peek at our curated guide which discloses all the essential things that one needs to know for a satisfying purchase.

1. Frequency of Use

First and foremost, you must determine the extent of daily usage that will be subjected upon the bike. A common mistake made by several first-time buyers is that they splurge on a fancy bike but fail to factor in additional costs such as maintenance, service and repair fees. So, the higher the frequency, the higher the amount of periodic maintenance for a smooth-running bike. However, if your monthly commutes are less than the present fuel rates, maintenance may not be as relevant a factor for your bike needs.

2. Fuel Efficiency

This goes without saying, but the engine displacement on any bike is a crucial factor when finding the right bike for you. There a multitude of bikes available in the market ranging from 100 cc to 2000 cc engines. The larger the engine displacement, the power it produces. While daily commuters may think of high power bikes to be a great option for increasing pick-up speed, they are not exactly fuel-efficient as more fuel is required to power the engines. So, take your pick between more power and more fuel before choosing a bike.

3. Place of Riding

A built-for-track superbike, no matter how powerful, will not perform well in desert trails. Similarly, majority of bikes are designed primarily for tar and cement roads and will not work in hilly conditions. However, people living in areas with dirt trails may benefit from specially-designed bikes such as Royal Enfield for mountainous areas.

4. Body of the Bike

Just as us humans, bikes too, come in all forms and shapes to provide us with unique choices to keep things fresh! For people who like to ride comfortably, cruiser bikes are a perfect choice. They are the comfortable sofa version of bikes and allow for effortless riding in long distances. Sport bikes, on the other hand, are designed for people who choose style over comfort and like the adrenaline of racing a bike. With tourer bikes, however, you can get the best of both worlds as its seating position is a cross between a cruiser and sports bike and offer unparalleled comfort when riding for long distances.

Dreaming about purchasing a bike and not falling victim to endless traffic congestions but financial constraints giving you a harsh reality check? Contact Tata Capital to gain access to our wide range of two wheeler loan and bike loan in India. We offer two wheeler finance with attractive interest rates along with flexible EMI options to help you turn your dreams into reality.

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