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Tata Capital offers a two-wheeler loan of up to Rs. 5 lakh*, with a competitive interest rate starting at just 12.5%* p.a. Get benefits like hassle-free online application process, minimal documentation, and instant online approval. With a loan tenure of up to 60 months, enjoy an instant bike loan with Tata Capital.
Loan Amount
₹25,000 - ₹5,00,000
Loan tenure
6 - 60 months
Interest rate starting @
12.5% p.a
Loan amount
Loan duration
Loan duration
Rate of interest
Monthly EMI
Total Amount Payable
0*
Total Interest Payable
0*
Total Amount Payable
Total Interest Payable
A two-wheeler loan interest rate is the rate charged on your loan amount over the chosen tenure. This rate can vary depending on your loan amount, credit profile, and product type. Tata Capital offers competitive rates and transparent fee structures on a 2-wheeler vehicle loan to make bike ownership more accessible and affordable.
You must understand the interest rates and other loan-related charges before you apply for a bike loan online. The following table summarizes the required details:
| Type of Fee | Applicable Charges |
|---|---|
| Rate of interest | Starting from 12.5% per annum |
| Processing fees | Up to 4% + applicable taxes |
| Documentation charges | Up to Rs. 1,999 |
| Part-prepayment charges/Foreclosure charges | 5% of the part-pre-payment amount/principal outstanding at the time of part-pre-payment/foreclosure |
| Foreclosure report charges | Customer portal - NIL Branch walk-in - Rs. 250 |
| Statement of accounts charges | Customer portal - NIL Branch walk-in - Rs. 250 |
| Loan cancellation charges | 2% of the loan amount or Rs. 5,750, whichever is higher |
| Duplicate NOC charges | Rs. 300 |
| Repossession charges | Rs. 8,000 |
| Stamp duty | For loan amounts of Rs. 85,000 and below - NIL For loan amounts more than Rs. 85,000 - At actuals |
| Charges for delay in RC hypothecation | Rs. 1,000 per month till the time of registration/noting with the authority, where RC hypothecation is pending beyond 120 days post-disbursement |
| PDD charges | Rs. 500 |
Tata Capital offers low-interest bike loans, starting at just 12.5% per annum (flat rate). Final rates may vary based on your profile and the loan product selected.
Tata Capital's two-wheeler loans are accessible to both salaried professionals and self-employed individuals. The criteria are designed to keep the loan structure manageable while ensuring quick approvals for eligible applicants.
Age: 21 to 65 years
Minimum monthly income: ₹15,000 for salaried; equivalent business income for self-employed
Employment stability: 1+ year at current job for salaried; 2+ years business vintage for self-employed
CIBIL score: 700+ preferred
Nationality: Indian resident
Valid driving licence: Mandatory two-wheeler licence
You must submit the required documents to prove your 2-wheeler loan eligibility. Here is the bike loan documents list-
ID Proof: Passport/Driving License/Aadhaar Card/Voter’s ID
Address Proof: Aadhar Card, Passport, Voter’s ID.
You must produce these documents to avail of a loan. Here is the bike loan documents list-
ID Proof: Passport/Driving License/Aadhaar Card/Voter’s ID
Address Proof: Aadhar Card, Passport, Voter’s ID.
Keep these loan on bike documents ready in advance for a hassle-free process.
Visit tatacapital.com or the mobile app. Complete the application with personal, employment, and vehicle details. Upload KYC and income proof digitally, complete e-KYC via Aadhaar OTP, and receive same-day approval for eligible applicants.
Visit a Tata Capital branch or partner dealer showroom with your documents. A representative will complete the application, verify documents, and initiate the sanction process. Funds are disbursed to the dealer once approved.
Adding a co-applicant to your two-wheeler loan can significantly improve your approval odds and unlock better terms.
Rules for a Co-Applicant:
Must be a family member: spouse, parent, or sibling
Age between 21 and 65 years
Stable income supporting the loan repayment
Good CIBIL score (700+)
Valid KYC and income proof
Benefits of Adding a Co-Applicant:
Higher loan eligibility: Combined income increases the sanctioned amount
Better interest rates: Stronger combined profile may unlock lower rates
Approval for lower CIBIL: Strong co-applicant offsets primary applicant's weaker credit
Shared repayment responsibility: Reduces individual EMI burden
Faster processing: Two verified profiles ease lender assessment
Financing for brand-new two-wheelers with up to 100% funding on on-road price. Rates starting from 11.99% p.a. and tenure up to 60 months for salaried and self-employed applicants.
Loans for pre-owned scooters and motorcycles from certified dealers. Financing based on vehicle valuation, applicant profile, and vehicle age at maturity.
Additional credit on top of your existing two-wheeler loan with minimum 12 months of clean EMI history. Faster processing since KYC and vehicle details are already on file.
100% on-road price financing for eligible applicants with strong CIBIL profile. Removes upfront cash burden and lets you ride away with no initial payment.
Individuals meeting the following criteria are eligible for a two-wheeler loan from Tata Capital:
Your age must be between 21 and 60 (salaried)/65 (self-employed) years at the time of loan maturity
You must have at least a year of residential stability
You must have an employment stability of at least a year
Your monthly income should be a minimum of Rs. 15,000
You must have a healthy CIBIL score, preferably above 700
A borrower’s CIBIL score reflects their creditworthiness and plays a crucial role in the approval of a bike loan application. A higher CIBIL score indicates financial discipline and positively impacts the approval process and interest rates. Generally, a CIBIL score of 700 and above is considered favorable for bike loan approval.
Yes. Salaried individuals can avail of two-wheeler loans if they meet the lender’s eligibility criteria. Lenders may ask for a minimum salary, employment stability, and a satisfactory CIBIL score. They may also require documentary proof, including salary slips, bank statements, etc.
With Tata Capital, you can avail of a two-wheeler loan at a highly competitive interest rate, starting from just 12.5% (flat rate) per annum. Additionally, you can choose between a fixed or floating rate of interest, depending on your preference. The other charges you may incur include:
Processing fees - Upto 4% + applicable taxes
Documentation charges - Up to Rs. 1,999
Post-disbursal document charges - Rs. 500
Foreclosure charges - 5% of the outstanding amount
Stamp duty - As applicable
At Tata Capital, the minimum and maximum amounts for a two-wheeler loan are Rs. 25,000 and Rs. 5 lakhs, respectively. The actual amount sanctioned depends on the bike’s on-road price, loan-to-value (LTV) ratio, and the applicant’s CIBIL score.
With the Tata Capital two-wheeler loan, you can select an appropriate loan tenure between 6 and 60 months. Opting for a higher tenure may lower your EMI amount, but increases the interest outgo, and vice versa.
In the case of a two-wheeler loan, the vehicle you’re purchasing itself serves as collateral. Hence, you are not required to provide any additional collateral. However, it may be required for a higher loan amount or in special cases.
Yes. With lenders like Tata Capital, you can avail of a two-wheeler loan and secure funding of up to 100% of the two-wheeler’s on-road price. However, your exact loan-to-value (LTV) ratio depends on your credit score, eligibility, and other related factors.
No. Usually, a guarantor or co-applicant is not required to apply for a two-wheeler loan. But in case you do not meet the lender’s eligibility criteria or norms, you may need a guarantor for security.
Below are the documents you may need to submit to apply for a two-wheeler loan:
Identity proof - PAN Card/ Aadhaar card/ Voter ID Card/ Passport
Address proof - Aadhaar card/ Passport/ Voter ID Card/ Driver’s license
Income proof - Salary slips/ Bank statements/ Income Tax Return
Proforma invoice or quotation of the two-wheeler
With Tata Capital, you can apply for a two-wheeler loan online or offline. To apply offline, you can visit your nearest Tata Capital branch and get in touch with our executive. To apply online, follow these steps:
Go to the “Two-wheeler Loan” section on our website and click on “Apply Now”.
Fill out an online application form with relevant details.
Upload the required documents.
Wait for the verification process to be completed.
Upon successful verification, the loan will get approved, and the amount will be disbursed to the dealer.
Loan approval and disbursement depend on the verification of your documents and credit report. If everything is in order, your two-wheeler loan may get approved and disbursed within 24 to 48 hours.
A two-wheeler loan EMI calculator is an online tool that can help you evaluate the EMIs for your two-wheeler loan in advance. It enables you to plan your repayments in a better manner and select a suitable loan amount and tenure to keep your EMIs affordable.
The EMIs for your two-wheeler loan usually start a month after the disbursal date. For example, if your loan is disbursed in the first week of October, your EMIs start from November. For the exact date, you can check your loan repayment schedule.
Yes. You can make part or full pre-payments on your two-wheeler loan. However, you may incur a pre-payment charge of 5% of the outstanding loan amount (or the pre-payment amount in the case of a part pre-payment).
Once you have paid the last EMI of your two-wheeler loan, the lender automatically closes your loan account. Your No Objection Certificate (NOC) is sent to your residential address through courier. The process usually takes 10 to 15 working days. You can also download your NOC from the lender’s website.
Zero-interest two-wheeler loans are rare and usually offered during special promotions by select manufacturers or dealers. These schemes may include hidden charges or limited models. In some cases, you can opt for a zero-down payment bike loan. It eliminates the need for you to pay anything, as the bank or lender pays for the bike’s entire value.
Yes, you can apply for two-wheeler finance with a low credit score, but lenders may charge higher interest rates or require a guarantor. It is advisable to improve your score before applying for a two-wheeler loan to secure better terms.
Loan processing may include processing fees, documentation charges, stamp duty, and late payment penalties. These vary by lender. Tata Capital charges a processing fee of Up to 4% + applicable taxes, documentation charges of Rs. 1,999, and various other charges for loan processing.
You can manage repayments online via your lender’s website or mobile app. Use auto-debit, UPI, or NetBanking options to ensure timely EMI payments and conveniently track your loan balance.
For enquiries or help, you can get in touch with our customer care helpline by dialing 1860 267 6060. You can also send a “Hi” on our WhatsApp number “75067 56060”. You can even send an email to us at customercare@tatacapital.com.
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