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Equipment Finance

Avail Digital Equipment Loans
up to Rs. 1 Crore

  • Attractive ROIs
  • Customizable Loan tenure

Equipment Leasing

Avail Leasing solutions
for all asset classes

  • Up to 100% financing
  • No additional collateral required

What is a Two Wheeler Loan?

Found your dream bike but it doesn't fit your budget? A Two Wheeler Loan is just what you need. It helps you bring your dream motorcycle or scooter home, and repay the amount in easy EMIs as per your convenience. The tenure, interest rates, and other terms of the two wheeler vehicle loan depend on your repayment capacity. 


In these unprecedented times, using public transports to commute can be risky. Owning your own two wheeler will give you the freedom to commute safely and comfortably. So, don't let a lack of funds stop you from getting what you want. With a two wheeler vehicle loan, you can secure anywhere between 80% to 100% of the bike cost. From commuter bikes to premium motorcycles, Tata Capital helps you finance bike loan for a variety of two wheelers conveniently. What's more? At Tata Capital, we assure you of minimal paperwork and quick processing.


Disclaimer: Loans are brought to you by Tata Capital Financial Services Limited and are at its sole discretion. Terms and Conditions apply.

  • Loan Amount

    ₹25,000 - ₹2,85,000

  • Loan tenure

    6 - 60 months

  • Interest rate starting @

Advantages of taking a Two Wheeler Loan

Finance up to 100% of the Cost

Avail of up to 100% of the Two - Wheeler cost, up to ₹2.85 lacs.

Longer Loan Tenure

Avail of a loan for up to 5 years and repay the sum at your convenience.

Quick and Easy Processing

Get your two-wheeler loan in no time with our quick processing and minimal paperwork.

Personal Safety

Commute with your own vehicle and avoid the risk of coronavirus.


Avail TATA Capital loans directly from WhatsApp

Why Should You Take a Two Wheeler Loan?


Don't know if a two wheeler finance is for you?

Here are some benefits that will help you make a decision:


  • Safety first

    Getting your own two wheeler will help you avoid public transportation so you can have a safe driving experience.

  • Sense of independence

    When you have your own vehicle, you won't depend on public transport or anybody else to commute from one place to another, especially in times of emergencies.

  • No public transport hassles

    Say goodbye to standing in long queues to catch a bus, metro, local train, or auto rickshaw. Buy your own vehicle with a two wheeler loan finance and drive comfortably as and when you please.

  • No strain on personal funds

    Bring home your dream bike without dipping into your savings and repay in easy EMIs over your desired tenure.

  • Zero down payment

    Secure up to 100% of the new bike cost up to a maximum of Rs. 2.85 lakhs.


When Should You Take a Two Wheeler Loan?

You can avail of a Two Wheeler Loan for the following situations –

Personal use

Whether it's commuting to work or for an emergency, with your own vehicle you'll not have to depend on anyone else. Avail of a Two Wheeler Loan to purchase your dream companion for the road.

Business use

If you regularly need to carry out small business deliveries or commute for work frequently, taking a bike loan to purchase a Two Wheeler will help you save the outsourcing costs. Plus, when you take a bike loan for commercial use, you can enjoy tax exemptions on the interest and the depreciation cost of the vehicle.

Safety use

Since the onset of the pandemic, traveling safely has become a priority. With a Two Wheeler Loan, you can buy your own bike and avoid crowded public transportation to travel safely.

What is the Eligibility Criteria for Two Wheeler Loan?

What is the Eligibility Criteria for Two Wheeler Loan?

  • Age – You must be between 21 to 60 years old at the time of application.

  • Residential stability – You must have at least one year of residential stability to apply for a two wheeler loan. 

  • Employment stability – You must have a minimum of one year of employment stability for a standard bike loan.

What is the Eligibility Criteria for Two Wheeler Loan?

  • Age – You must be between 21 to 60 years old at the time of application.

  • Residential stability – You must have at least one year of residential stability to apply. 

  • Employment stability – You must have a minimum of one year of employment stability for a standard bike loan.

What is Zero Down Payment Bike Loan?

With a zero down payment bike loan, you can secure 100% financing for the two wheeler you wish to purchase. Under this option, you don't have to pay any amount upfront. With Tata Capital, you can finance 100% of the value of the two wheeler, up to a maximum of Rs. 2.85 lakhsThis facility is suitable when you have a lack of funds or don't want to dip into your savings to arrange money for the down payment.

What is the Interest Rate for Bike Loan?

The most basic charge applicable on a Two Wheeler Loan is that of interest. The Two Wheeler Loan interest rate is the rate at which you'll have to pay interest on the principal loan amount for a specified tenure. 

Besides the interest rate, you'll need to pay various other fees and charges like the processing fees, foreclosure charges, and other additional costs. You can find all bike loan details here.

How to Calculate Bike Loan EMI?

Want to get a 2 wheeler loan but don't know if the EMI will fit your monthly budget? You can use a bike finance EMI calculator to calculate your potential EMIs in advance. It is a free online tool that helps you determine the amount you need to set aside every month to repay your Loan including the interest amount. 

An EMI calculator gives you instant and accurate estimates.

All you need to do is enter your 2 wheeler loan amount, interest rate, and tenure in the bike finance EMI calculator to check your projected EMIs and accumulated interest throughout your loan tenure. This will help you plan your monthly budget in advance to avoid any repayment defaults.

What is the Bike Finance EMI Plan?

You can easily repay your bike finance EMI with our Standard EMI plan. Your EMI value will remain the same every month. This will help you avoid any confusion and know exactly how much amount you need to pay month after month.

Payment Options

Available payment options

    Pay Online

    You can repay your EMI online through our website or your mobile device, anytime and from anywhere.

    Drop A Cheque

    You can drop a cheque at your nearest Tata Capital branch at your convenience. 

Why choose Tata Capital's Two Wheeler Loan?

Minimum paperwork

Say goodbye to lengthy loan paperwork. With Tata Capital, the only paperwork we require is the application form. You can carry out all other loan-related activities, from document submission to loan disbursal through our digital platform.


You can decide on a repayment plan for your loan at your convenience. Choose from our host of options like ECS, post-dated cheques, and online two wheeler loan repayment.  

Competitive interest rates

We assure you of the best Two Wheeler Loan interest rates in the industry. With Tata Capital, you can also customise your loan depending on your convenience. 

Quick and easy online approval

Receive instant online approval after we successfully receive and verify your documents.

Minimum documents

Avail an instant 2 wheeler loan from Tata Capital with minimal documentation.

Zero down payment

We will finance 100% of your desired bike’s value up to a maximum cost of Rs. 2.85 lakhs.

What our customers say about us

Overall the experience was good and hope to continue the same. Also Tata Capital executive were nice and polite from the beginning.

Prasenjit Sen

Loan Against Property | 13 January, 2023

Thank you TATA Group for making India proud with all your hassle free and excellent services, Thanks Team


Personal Loan | 31 December, 2022

I want to thank Tata Capital for giving Loan, During the process I was kept updated. Wanted to thank Tata Capital executive for answering my queries and keeping me updated on Status. Thank you


Personal Loan | 30 December, 2022

This is surprisingly easiest way to avail personal loan. I am completely happy with the service provided. Thank you team TATA CAPITAL!

Venugopal Raju

Personal Loan | 28 December, 2022

I was impressed with the way your staff handles their customers and if i come accross any family or friend who may be looking for any financial assistance, I shall surely recommend Tata capital


Business Loan | 24 December, 2022

One of the best Mobile App, Tata capital only took 3-4 working day for loan approval.


Personal Loan | 23 December, 2022

The services of Tata Capital is very good.. Approval process, loan charges are not hidden, every aspect was explained to me by Tata Capital executive before taking loan, very good transparency. Keep it up..

Prasanna Shriram Agashe

Personal Loan | 10 December, 2022

Excellent customer service with clarity and politeness. Thanks to TATA Capital having wonderful field staff.

S hari Haran

Two Wheeler Loan | 08 December, 2022

I am very happy that I got timely loan in my worst time.


Personal Loan | 07 December, 2022