Will I get a bike loan with 757 CIBIL but too many enquiries?

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Hi everyone, need some honest advice from people who’ve been in similar situations.

I’m planning to take a bike loan soon and my profile is:

- CIBIL score: 757

- Credit history: ~2 years

- No late EMIs ever

- Salary account with HDFC

- Hard enquiries: 22 in last 2 years

- 5 enquiries in last 6 months

- Most of the recent enquiries happened when I applied once through a dealer and multiple NBFCs pulled CIBIL within minutes.

I’m worried whether lenders will reject me just because of too many enquiries even though my score is good and repayment history is clean.

Questions:

  1. Will banks/NBFCs still approve a bike loan with this profile?

  2. Is enquiry count a big rejection factor if score is 750+?

  3. Should I only apply through my salary bank (HDFC) to avoid more hits?

  4. Anyone got a loan approved with 20+ enquiries?

Planning to apply in the next 2–3 weeks, so trying to decide whether to wait or go ahead.

Would appreciate real experiences 🙏

Posted Feb 16, 2026, 8:31 PM UTC

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