New Delhi, April 30 -- A credit score of 800 or above is generally considered excellent. However, many individuals with such high credit scores still face rejections, delays, and disappointment when applying for two-wheeler loans in India.

According to Partha Sengupta, Chief Operating Officer at Radian Finserv, "Even with a credit score of 800, a loan application-such as for a bike-can still be rejected if other critical credit factors aren't in order. Lenders today assess more than just the score."

He further added, "High credit utilisation, multiple recent loan or credit card applications, and a short or inconsistent credit history can signal higher risk. In some cases, limited credit diversity or a lack of recent activity can also im...