The feeling of excitement of owning a bike or a scooter can be unparalleled. Buying a two-wheeler can be one of the most important aspects of one’s life journey. You will be investing your hard-earned money and you want to be sure how your money is being used by purchasing a new vehicle. Before you buy your dream bike or scooter, you need to be alert and ensure you do not miss out on anything, even the documents required for a new two-wheeler purchase in India. Read on to find out about the documents required while buying a bike from a dealership as well as documents for bike loan or finance.

Documents Required for New Two Wheeler Purchase in India - Acko

List of Documents Required for New Two Wheeler Purchase:

Specific documents are required to register the vehicle on the owner’s name and ownership title of the bike on the individual who has purchased the vehicle. Also, it is mandatory as per law to register the vehicle with the Regional Transport Office (RTO) to ensure the genuineness of the ownership of the two-wheeler. Also, documents are required by the dealership to have a database of the vehicles along with the details for various purposes.

Documents Required To Buy a Bike from Dealership:

Once you have chosen to buy a bike that is suitable for you, you need to approach the bike dealership to buy the vehicle. While purchasing the bike, below are the list of documents that you’ll be asked to submit:

Identity Proof (ID Proof):

To confirm the identity of the individual who is purchasing the bike, ID proof documents such as Driving Licence, PAN Card, Aadhaar Card, etc. will be asked.

Address Proof:

To confirm your residential address, you can submit documents such as Passport, Rental Agreement, Utility Bills, etc. which acts as a proof of the residential address of the buyer.

Nationality Proof:

The bike dealer may ask you to submit your proof of nationality, you can submit documents such as Passport, Voter’s ID, etc.

Documents Required For Bike Loan/Finance:

Once you have decided to buy a bike, you may buy it in full payment or you could opt for a bike loan or finance to fund your bike’s cost. However, you should be eligible for a two-wheeler loan, which is decided based on your income, age limit, etc. While buying a bike on a loan, below are the list of documents that you’ll have to submit:

Salaried Employee:

Identity Proof (ID Proof):

To prove your identity, you will have to submit ID proof documents such as Driving Licence, PAN Card, Aadhaar Card, Passport, Voter’s ID, etc.

Address Proof:

To confirm your residential address, you need to submit either your Rental Agreement, Passport, Aadhaar Card, Voter’s ID or Utility Bills, etc.

Income Proof:

Since the bike loan is based on the income you earn, the bank will require proof of your income. Documents such as Salary Slips (Payslip), Recent Income Tax Returns (ITR) and Form 16. Some banks may require a Salary Certificate which should clearly state the deductions and the Name and Designation of the authorised signatory.

Bank Statements:

You are supposed to submit a bank statement for the past 1 year to identify your income and deductions if any.

Passport Size Photographs:

To process your loan application, the bank will require a set of your passport size photographs.

Self-Employed:

Identity Proof (ID Proof):

You should submit your ID proof documents such as Driving Licence, Passport, Voter’s ID, Aadhaar Card, etc.

Address Proof:

You need to submit your Rental Agreement, Voter’s ID, Aadhaar Card, Utility Bills, Gas Connection Bills, Ration Card, Sale Deed, etc. as address proof to confirm your residential status.

Bank Statements:

You have to submit your bank statements for the last three or six months to confirm your income and deductions if any.

Income Tax Returns:

To assess your income and deductions, you will have to submit your Income Tax Returns (ITR) for the last 3 years to the bank to process your bike loan application.

Passport Size Photographs:

You will have to submit the required number of your passport size photographs to the concerned bank to process your loan application.

Bike Registration:

When you buy your bike, it has to be registered within 7 days from the date of delivery of the vehicle. To register the bike so that you can ride it legally on Indian roads, you need to submit the following documents to register your bike at the Regional Transport Office (RTO). While your bike dealership will facilitate the entire registration process, it is important you are aware of the documents required while registering your bike.

Also, read: How to Check Vehicle Owner Details By Registration Number

Documents Required for Vehicle Registration:

Type of DocumentDocument Name
Application FormForm 20
Sales CertificateForm 21
Road Worthiness CertificateForm 22
Emission ControlPollution Under Control Certificate (PUCC)
Clearance Certificate for Imported VehicleCustoms Clearance Certificate
Proof of SaleManufacturer and Dealer Invoice
Address ProofDL, PAN, Aadhaar, Passport, etc.
ID ProofDL, Passport, Aadhaar, Voter’s ID, PAN Card, etc.
InsuranceCopy of Bike Insurance Cover Note
Temporary Registration CertificateCopy of Temporary Certificate
On Finance or LoanForm 34 (Signed by financier and vehicle owner)
AffidavitNon-Judicial Stamp Paper

Things To Do Before Buying a Vehicle in India:

Before you decide to buy a bike or a scooter, ensure you stay alert so that your hard-earned money offers you the best when it comes to choosing your new bike. Below are some of the things to consider before you purchase a vehicle:

  • Budget: Ensure you are buying a bike which is within your budget, lifestyle and the ability to pay maintenance or service costs.
  • Compare Prices: Compare the prices, benefits or discounts offered by different dealerships before you decide. This will ensure you get the best for the money that you are going to invest.
  • The Breakup of The Quote: When a dealership offers you a price, it is known as a quote. Ensure you ask for the break up of the quote. This is to know the ex-showroom price, insurance cost, registration charges, etc. This will let you compare between dealerships and make the right decision.
  • Insurance: Ensure you get your bike insured with the bike insurance policy to protect your bike from any unforeseen financial liabilities. While the Third-Party Liability cover is mandatory, it is advisable to get the Comprehensive Bike Insurance, which covers both Third-Party Liability and Own Damage.
  • Test Ride: It is advisable to understand how well the bike handles and suits your riding style. Taking the bike for a test ride will let you know how well it handles and how it behaves. This will let you compare other bikes in the market and make the right choice.
  • Feel Free To Negotiate: Never stop yourself from negotiating the price with the dealer. There is always room for an extra discount or probably accessories that the dealership might want to offer so that you buy the vehicle from their showroom. 

Also, read: Buy/Renew 3rd-Party Two Wheeler Insurance

Benefits of Online Two-Wheeler Insurance:

While the feeling of buying a new bike might enthral you the most, it is advisable to get your bike insured with the best two-wheeler insurance. This will let you be in peace in case of Third-Party damages or even own damages. While the Third-Party Bike Insurance offers you protection against any financial liabilities arising out of injuries or deaths or damages to the property of the third party, the Comprehensive Bike Insurance will cover Own Damages as well as that of the third-party.

Frequently Asked Questions About New Two-Wheeler Purchase in India:

Below are some of the most common questions asked about buying a new two-wheeler:

Should I buy a bike or a scooter?

While buying a two-wheeler, it may be an emotional decision; however, it is important that you invest your hard-earned money on a practical vehicle. While bikes or motorcycles offer more control due to their stance and are preferred by bike enthusiasts, scooters offer gearless riding, natural seating position, storage space, and facilitate easy riding in city traffic. You need to choose the right vehicle so that you can ride the two-wheeler without any apprehension.

Should I test ride the two-wheeler before I make the decision?

Yes, it is essential you understand how the two-wheeler rides and handles. Taking a test ride will let you compare other options before you make the final decision.

What documents are required to buy a bike on EMI?

If you are buying your bike through a bank loan or finance, you can refer to the list of documents mentioned above.

Is a Driving Licence required to buy a bike in India?

No, you do not require a DL to buy a bike or a two-wheeler in India; however, you need a DL to ride the bike on roads as it is a legal requirement in India.

Should I test ride the bike before I take delivery?

It is advisable to take a short ride to check for any issues and if so you can bring it to the notice of the dealership so that it can be rectified.

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