Swaraj Baggonkar Banks make criteria tougher for funding the car. Tata Motors Chairman Ratan Tata's dream to help the common man own a four-wheeler may meet its bete noire in bankers as ICICI Bank, HDFC Bank and rival lenders realign rules to finance the Nano, touted to be the world's cheapest car. To avoid being saddled with a large amount of bad loans, banks are keen to fund second-time car buyers as against two-wheeler owners, who intend to graduate to owning a car, bank officials, who declined to be identified, said.