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Tata Capital > Blog > Loan for Vehicle > All you need to know about Tata Capital two-wheeler loan EMI payment

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All you need to know about Tata Capital two-wheeler loan EMI payment

All you need to know about Tata Capital two-wheeler loan EMI payment

Planning your finances is an important life skill. Besides accounting for living expenses and savings, drawing up a structured repayment schedule for various loans and obligations is crucial to managing your finances well.

If you have a two-wheeler loan or are planning on taking one for your new bike or scooter, it is essential to choose a financing partner that offers you a loan that is flexible, customizable, and with a competitive interest rate. Tata Capital’s two-wheeler loans tick all the boxes.

Flexibility to choose the terms of your two-wheeler loan

Tata Capital two-wheeler loan EMI payment can be structured in a way that best suits your budget. You are free to choose a monthly amount that you think you would be able to pay comfortably for the entire duration of the loan. This monthly amount includes repayment towards the principal as well as the interest.

The EMI amount remains fixed during the entire tenure. In the beginning, a larger portion of the EMI goes towards the interest component, but as the tenure progresses, the allocation towards principal repayment goes up. The exact percentage allocated towards principal and interest repayment will depend on the tenure and interest rate charged for the loan.

Alternatively, if you anticipate your future income to increase, you can also opt for a structured EMI option that will allow you to modify your EMI amount over time.

Using the Tata Capital two-wheeler loan EMI calculator for smart repayment

The three main components that make up your EMI are – loan amount, tenure, and interest rate. The two components that you can control are the loan amount and tenure. The interest rate will depend on a lot of factors, such as your personal details, monthly income, tax returns, and credit score.

The larger your loan amount and the higher the interest rate, the longer your tenure could be. The ideal thing to do is to find a sweet spot where your EMI is manageable, but at the same time, the tenure should not be so long that you pay high interest on the loan. You can decide the two-wheeler loan repayment tenure based on your EMI, starting from six months, going all the way up to 60.

A two-wheeler loan calculator will allow you to adjust the three variables and arrive at your ideal EMI amount. The loan calculator will also give you a clear breakdown of what your interest outflow will be vis-à-vis the principal amount.

Online EMI payment & loan management options

Once you have secured your loan, you can make your Tata Capital bike loan payment online via an ECS mandate. This eliminates the hassle of remembering the due date every month. On a designated day of every month, the EMI amount will be auto-debited from your account.

If you aren’t comfortable making a Tata Capital two-wheeler loan online payment, you can also hand over post-dated checks that will be deposited each month towards loan repayment.

How to check Tata Capital two-wheeler loan status online?

The simple and quick way to check your Tata Capital two-wheeler loan status online is as follows:

  • Visit the official Tata Capital website or download the Tata Capital mobile app on your phone.
  • Enter your registered mobile number and click ‘Generate OTP’.
  • Verify your identity using the OTP sent to your registered mobile number.
  • Choose the option for ‘My Loans’ or ‘Loan Details’.
  • Select your two-wheeler loan from the list shown on the screen.
  • You can now view your Tata Capital two-wheeler loan status, along with details of the outstanding balance, EMI amount, due dates, and repayment history. If it is a new loan application, you will see its progress toward approval.

Feel free to contact Tata Capital customer support or visit the nearest branch for help in case of any issues encountered while checking the status. The online loan status tracking method saves time and avoids paperwork.

Step-by-step guide to Tata Capital two-wheeler loan EMI payment online

You can make your Tata Capital two-wheeler loan payment online from the comforts of your home. It is easy and convenient.

Simply follow the step-by-step guide given below:

Step 1: Visit the official Tata Capital website or open the Tata Capital mobile app on your smartphone.

Step 2: Enter your mobile number/ email address/ loan number and date of birth or applicant PAN to access your loan account.

Step 3: Verify your identity with OTP or other requested details as prompted.

Step 4: From the list of active loans, select the loan for which you’d like to make the EMI payment.

Step 5: Click on the “Pay EMI” option shown on the screen.

Step 6: Choose a payment method such as UPI, net banking, debit card, or a saved bank account.

Step 7: Enter the EMI amount and confirm the payment details.

Step 8: Complete the transaction and save the payment receipt for future reference.

The online Tata Capital EMI payment facility allows you to clear overdue EMIs or upcoming EMIs in just a few simple steps. It helps you avoid delays, late fees, and branch visits.

Common issues with EMI payments and how to resolve them

Some borrowers face issues with a Tata Capital two-wheeler loan EMI payment. Here’s a list of the common issues and the ways to resolve them:

  1. Payment failure: This may happen due to poor internet, bank server issues, or technical errors. You should try again after some time or use a different payment method.
  2. Amount deducted but EMI not updated: This is another technical error. Please wait for 24 hours. If the status does not change, contact customer support with transaction details.
  3. Insufficient bank balance: Make sure there is a sufficient balance in your bank account before the EMI due date to avoid failure and penalties.
  4. Auto-debit not processed: Check your bank mandate status and confirm it is active.
  5. Late payment fees: Banks levy a penalty for late EMI payments. Remember to pay EMIs on time and set reminders to avoid extra fees.
  6. Wrong EMI amount paid: Contact the lender immediately to correct the issue.
  7. App or website errors: Clear cache, update the app, or try another device or browser.

Conclusion

Having the right EMI amount and schedule can help bring in a lot of discipline towards your monthly finances. Whether you are a salaried professional, an entrepreneur, or a student, knowing your monthly commitment towards your liabilities can help you manage your money stress-free. For any clarifications or queries, our virtual assistant TIA is always available at your service 24/7.

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FAQs

How can I check my Tata Capital two-wheeler loan status online?

You can check your two-wheeler loan status by visiting the Tata Capital website or mobile app. Log in using your registered mobile number or loan account number to view Tata Capital two-wheeler loan details and current loan status.

What are the options for Tata Capital two-wheeler loan EMI payment online?

You can pay EMIs online using the Tata Capital app or website. The available payment options include UPI, net banking, debit card, auto-debit, and payment links shared by Tata Capital.

What should I do if my EMI payment fails or is delayed?

If your EMI payment fails, try paying again through another method. If the amount is deducted but not updated, contact Tata Capital customer care with transaction details for quick resolution.

Is there a penalty for late Tata Capital two-wheeler loan EMI payment?

Yes, Tata Capital may charge a late payment fee if EMI is delayed. Late payments can also affect your credit score, so it is better to pay EMIs on or before the due date.

Can I foreclose or part-prepay my Tata Capital two-wheeler loan online?

You can request foreclosure or part-prepayment through the Tata Capital app or website. You may need to pay certain foreclosure or prepayment charges. It is best to check eligibility, terms, and fees before placing the request online.

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