Simple Loans.
Smarter Futures.
Flexible personal and vehicle loans with fast approvals, transparent terms, and support you can count on.
Simple Loans.
Smarter Futures.
Flexible personal and vehicle loans with fast approvals, transparent terms, and support you can count on.
Simple Loans.
Smarter Futures.
Flexible personal and vehicle loans with fast approvals, transparent terms, and support you can count on.
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Explore our loan services
Vehicle Loan
Finance your dream vehicle with our easy vehicle loans, covering up to 80% of the on-road price.
Refinance Loan
A loan against your used vehicle allows you to borrow money using your pre-owned vehicles.
Personal Loan
Shivaya Capital understands your personal needs and is here to help you manage it. Get the best personal loans from us
“We aim to be the most Trusted and Fastest growing NBFC of Central India.”
We focus on building strong, transparent relationships with our clients, driven by integrity, innovation, and a commitment to financial inclusion. Our goal is simple — to empower people and businesses with smart, flexible lending solutions that support long-term growth.
What makes Shivaya Capital Distinctive and Popular?
Benefit from our quick, tailored financing solutions that prioritize your financial success.
- Minimum documentation required.
- Instant approval and disbursement process.
- Multiple repayment options (Cash, Auto debit, Payment Gateway).
- Flexible loan tenure.
- Loan up to 80% of the on-road price.
How to Apply
Simple steps to get your loan approved
Application
Fill out the simple form with your basic details and loan requirements.
Document Submission
Submit the required documents securely at the respective
branch.
Approval
Once your application is reviewed, we'll provide you with a quick approval.
Disbursement
Upon approval, the funds will be disbursed efficiently, allowing you to make your vehicle purchase.
Testimonials
Hear what our customers have to say
Frequently Asked Questions
What is the maximum tenure for the vehicle/used vehicle loan?
The maximum tenure for a two-wheeler loan typically ranges from 6 to 30 months, depending on the financial institution. Some institutions may offer extended tenures based on specific criteria, providing flexibility in repayment options.
What is the maximum loan amount that can be availed?
Each financial institution sets its limits for minimum and maximum loan amounts. The maximum loan amount varies by lender and depends on factors such as:
- The applicant's income
- Creditworthiness
- The cost of the two-wheeler
What is the process of applying for a Two-Wheeler loan?
Offline Process:
- Go to the nearest Shivaya Branch
- Fill out the Loan Application available at the branch
- Provide required documents, such as ID proof, address proof, income statements, and vehicle details, in person
- The financial institution will conduct a credit assessment
- Upon approval, the loan amount will be disbursed to the customer's bank account
What are the documents required for the Vehicle Loan?
Commonly required documents include:
- Proof of Identity (e.g., Aadhaar Card, PAN Card)
- Proof of Address (e.g., Utility bills, Passport)
- Passport-sized photographs
Is there a penalty for late payment of the EMI?
Missing an EMI payment can lead to penalties and negatively impact your credit score. The penalty will depend on the Company Policies. Consistent defaults may result in the lender taking possession of the vehicle, as it serves as collateral for the loan.
What is a Two-Wheeler Loan?
A two-wheeler loan is a type of loan that enables individuals to purchase a motorcycle or scooter by borrowing funds from a lender. The borrower repays the loan amount along with interest through Equated Monthly Installments (EMIs) over a specified tenure.
What is Refinance / Used Vehicle loan?
A used vehicle loan, also known as a pre-owned vehicle loan, is a financing option that enables individuals to borrow funds from the lender by mortgaging their existing vehicle. The borrower agrees to repay the loan amount, along with interest, over a predetermined period through monthly installments.
What is Bounce charge?
A bounce charge is a fee imposed by financial institutions when a payment cannot be processed due to insufficient funds in the payer's account. This situation often arises with scheduled payments, such as loan EMIs (Equated Monthly Installments), where the payer's account lacks the necessary balance to cover the transaction. Consequently, the payment "bounces," and the bank imposes a penalty to compensate for the failed transaction. By maintaining adequate balances and utilizing tools like overdraft protection, individuals can avoid the financial and legal repercussions associated with bounced payments.
What are the EMI payment options?
Selecting the appropriate EMI payment option depends on individual financial circumstances. There are different ways through which customers can pay their EMIs:
- eNACH: eNACH stands for National Automated Clearing House. With eNACH payment service, you can now easily pay your loan EMIs from your bank account, without the need for paper-based mandates.
- Payment Gateway: Payment gateways help businesses ensure that payments are legitimate and that sensitive payment information is handled securely. They can also help reduce losses associated with late payments.
- Cash: Direct cash payment option available.
What are the benefits of taking a Two-wheeler loan with us?
Taking a two-wheeler loan with Shivaya Capital offers several advantages that make purchasing a motorcycle or scooter more accessible and financially manageable. Here are some key benefits:
- Immediate ownership of the vehicle
- Affordable Interest Rates
- Minimal Documentation and Quick Processing
- Flexible Repayment Options
- Opportunity to Build Credit History