How to apply for a bike loan?

Follow these four simple steps to avail of a bike loan- Apply for bike loan online. While your eligibility is checked, you can negotiate terms with the bike dealer. After we approve your loan request, submit your two wheeler loan application along with the required documents. We will verify your documents and the credit report for loan approval. Finally, in case of no discrepancies, we will sanction your loan and transfer the amount to the dealer.

How can I get a two wheeler loan approved online?

Getting a two wheeler loan online approval is easy and takes only a few simple steps – Submit an online application for your bike loan. Visit the dealership showroom and select the two wheeler of your choice. Submit the relevant documents. We will verify your documents and credit report for loan approval. Upon successful verification, we will sanction your loan and disburse the amount to the dealer within 24 to 48 hours and you can take home your new ride! Get instant access to a bike loan. Apply with Tata Capital today.

What are the eligibility criteria for two wheeler loan?

1. Minimum one year of residential stability2. Minimum one year of employment stability3. Age requirement: 21 to 60 years4. A credit score of 750 and aboveYou need to fulfil these eligibility criteria for a bike loan. Apply online for instant loan approval.

होम
वाहन लोन
टू व्हीलर लोन
आवेदन कैसे करें

टू-व्हीलर लोन आवेदन प्रक्रिया

आवेदन प्रक्रिया

अप्लाई करें अभी

विवरण आवश्यक दस्तावेज़ आवेदन प्रक्रिया दर और शुल्क

कैलकुलेटर

EMI कैलकुलेटर

EMI विकल्प

टू-व्हीलर लोन आवेदन कैसे करें

बाइक लोन प्राप्त करने के लिए सबसे सुविधाजनक तरीका खोज रहे हैं? टाटा कैपिटल में ऑनलाइन अप्लाय करें। आप ऑनलाइन टू व्हीलर लोन का लाभ उठाने के लिए एक आवेदन पत्र भर सकते हैं और सबमिट कर सकते हैं। यह 100% डिजिटल दृष्टिकोण इसे एक त्वरित और परेशानी मुक्त प्रक्रिया बनाता है जिसे घर पर बैठकर आराम से किया जा सकता है।

बाइक लोन का आवेदन करने के लिए, आपको सत्यापन और लोन अनुमोदन के लिए आवश्यक बाइक लोन दस्तावेज जमा करने की आवश्यकता है। तत्काल टू-व्हीलर लोन के लिए, ऑनलाइन आवेदन करें और इन दस्तावेजों को डिजिटल रूप से अपलोड करें। आपको बाइक लोन -आईडी प्रूफ, एड्रेस प्रूफ, बैंक विवरण और निवास स्वामित्व प्रमाण (एक मानक बाइक लोन के मामले में वैकल्पिक) के लिए निम्नलिखित दस्तावेज प्रस्तुत करना होगा।

एक बार जब आप आवेदन फॉर्म भर देते हैं, तो कॉल सेंटर की टीम आपसे संपर्क करेगी और पुष्टि के बाद आपको बाइक चुनने के लिए डीलरशिप पर जाना होगा। इसके बाद, आवेदन को मंजूरी दी जाती है, और आगे की प्रक्रिया के लिए दस्तावेज़ अपलोड किए जाते हैं।

आपके दस्तावेज़ों और क्रेडिट रिपोर्ट के सफल सत्यापन के बाद, आपको एक ऑनलाइन स्वीकृति प्राप्त होगी। एक बार आपका लोन मंजूर करने के बाद हम बाइक डीलर को लोन राशि का भुगतान कर देंगे।

Do's and Don'ts of Applying for a Bike Loan: Apply Online for a Two-Wheeler Loan

Applying for a loan is a key financial decision that can take a lot of time for you to get through. Because of this, you need to ensure that you consider many factors before taking on a टू व्हीलर लोन. So what are these factors that you should know before you see how to apply for a two-wheeler loan?

Research

You must always ensure that you do your research well before you decide to go for bike loan apply online.

This can particularly help when you plan to take a loan for a small amount and can even help you save money. So always ensure that you have compared several lenders and their policies before taking on a bike loan.

Pick a convenient tenure

The loan tenure is how long you will be paying the 2 wheeler loan. This is of key importance when choosing to two-wheeler apply online because it can decide how much your EMI will be. Furthermore, it can also impact the total interest amount you end up paying towards the loan during the tenure.

Evaluate interest rates properly

While one lender might have high-interest rates with high principal amounts, others might have lower interest rates with a lower loan amount.

Typically, there are two types of interest, namely: fixed interest and floating interest rates. The fixed interest offers stability to the borrower as the EMI amount does not change until the end of the tenure. While floating interest offers variable interest rates that fluctuate with market conditions.

Read the terms and conditions properly

In order to not surprise yourself when you face any unexpected charges, you need to know everything about your bike loan. This is only possible when you know all the terms and conditions of the loan before signing up for bike loan apply online. Ensure that you carefully read every clause and enquire the lender if there are any hidden charges so you're fully aware of the terms and conditions.

Find out about specific charges

Lenders might have different charges for different purposes. While the terms vary from loan to loan, it is important to know what, and if, there are any specific charges. For example, certain loans may have prepayment penalties or foreclosure charges. So if you decide to go with a particular lender, ensure that the lender has any such charges and if you can afford to pay them.

टाटा कैपिटल लोन व्हाट्सएप से सीधे प्राप्त करें

व्हाट्सएप के ज़रिए आवेदन करें

अप्लाई करने के तरीके

आप निम्न में से किसी भी तरीके से आसानी से बाइक लोन के लिए आवेदन कर सकते हैं-

शाखा

 If you don't want to apply for two wheeler loan online, visit any of our physical branches and have a one-on-one talk with our lending experts.

शाखा लोकेट करें

अप्लाई करने के तरीके

आप इनमें से किसी भी तरीकों से बाइक लोन के लिए आसानी से अप्लाइ कर सकते हैं-

ऑनलाइन

एक त्वरित और परेशानी मुक्त आवेदन प्रक्रिया के लिए हमारी वेबसाइट के माध्यम से ऑनलाइन टू व्हीलर लोन के लिए आवेदन करें।

अप्लाई करें

फोन

हमारे संबंध प्रबंधकों को हमारे टोल फ्री नंबर – 1860 267 6060. पर कॉल करें

दोबारा से कॉल के लिए निवेदन करें

वर्चूअल असिस्टंट

आपके प्रश्नों और अनुरोधों का ध्यान रखने के लिए हमारा वर्चुअल सहायक टीआईए 24x7 उपलब्ध है।

ईमेल

 Another way to avail a bike loan? Apply online via email. Drop an email to our customer care team who is eager to answer your queries regarding two wheeler loan.

चैट करें

बाइक लोनब्याज दरें और शुल्क

Two wheeler loan interest rate is the rate at which you need to pay interest on the loan principal for a fixed period. It is generally expressed as a percentage. Besides the बाइक लोन इंटरेस्ट रेट, you also have to pay several other fees and charges– general and miscellaneous charges. 

Eligibility Criteria for a टू व्हीलर लोन

The eligibility criteria for a 2 wheeler loan varies from lender to lender. With Tata Capital, however, the eligibility criteria are quite straightforward.

At least one year of residential stability

At least a minimum of one year of work experience

Eligibility Criteria for a टू व्हीलर लोन

The eligibility criteria for a 2 wheeler loan varies from lender to lender. With Tata Capital, however, the eligibility criteria are quite straightforward.

The applicant must be between 21 to 60 years of age while applying for the loan.

Have at least one year of residential stability

Have at least a minimum of one year of work experience

How to Improve Your Chances of Getting a Two-Wheeler Loan?

There are a few things you can do to improve your chances of getting a two-wheeler loan. Let's check a few of them before you decide to go for 2 wheeler loan apply online.

अपना क्रेडिट स्कोर सुधारें

आपका क्रेडिट स्कोर is one of the most important factors in deciding whether you get a loan or not. Generally, the higher your score, the more chances you have of availing of a bike loan.

However, not all is lost if you have a lower credit score. You can slowly improve your score by making payments regularly on time. Or, if you happen to have a lower credit score and need a loan, you may get one with a higher interest rate. So, for these reasons, it is always advisable to have a good credit score at all times.

Pay a higher down payment

When you decide to go for two-wheeler loan apply online, consider paying a higher down payment. This can significantly bring down the loan amount you need and make repayment easier, increasing your chances of getting a bike loan easily.

However, at Tata Capital, we make it easier for you to avail of a 2 wheeler loan. We offer you 100% of your bike's finance for up to Rs. 2.85 lakhs without any down payment at all. This can help you save and plan your finances better.

Try taking loans from existing lenders

If you have already taken loans from the same lender before, you may be at an advantage. Since this lender would know your payment history, you have a better chance of getting a two-wheeler loan. Furthermore, the process would be much easier as they would have all of your information so you can avail of a loan faster.

Choice of bike

Lenders may sometimes check the kind of bike that you want to purchase when you opt for bike loan apply online. This is to check the resale market value of the bike. Also, bikes that are quite rare or do not have a presence in the country can lead to rejection. So, choose a bike that is well-placed in the market before you approach a lender.

बाइक लोनईएमआई कैलकुलेटर

A two wheeler loan EMI कैलकुलेटर is an easy-to-use and free online tool using which you can calculate your two wheeler loan monthly EMI value instantly. All you need to do is enter three basic inputs – Principal loan amount, Rate of Interest, and Loan Tenure – and the calculator will generate results within seconds. This tool helps you to determine your repayment capacity, plan your monthly budget, and avoid EMI defaults. Use our EMI कैलकुलेटर to determine the potential EMIs of your bike loan. Apply for a plan that best fits your requirements. 