Get ₹40,000 for a two-wheeler down payment, Aadhaar only

You are a gig delivery rider for a Q-commerce app, and the rented Activa you use eats ₹4,200 every month in rental that you do not get back. A Honda dealer near your stop has a 2-year-old Activa 5G on the resale lot for ₹62,000, and the in-house finance partner asked for ₹40,000 as down payment, with the rest on a 24-month vehicle loan against the RC. The dealer wants the DP by Sunday so registration can move on Monday. Your Aadhaar shows your home district, not the city you ride in. KreditBee and Navi both run UIDAI OTP eKYC against that Aadhaar, no city address proof is needed at ₹40,000, no dealer letter is asked for. The 90-day statement with Swiggy and Zepto gig payouts is read through the account aggregator, a soft CIBIL pull runs on PAN. On a 12-month tenure at around 24% per annum, the EMI is roughly ₹3,795 and total interest about ₹5,540. The sanction letter and APR reach your phone under RBI 2022 digital lending rules. The EMI sits at the level of the old rental plus a small premium, and the bike is in your RC by the next pay cycle.