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up to Rs. 1 Crore

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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 - ₹5,00,000

  • 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.


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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.

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?

  • 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 E-mandate, 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

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 appreciate all the agents who are in Tata Capital for their Customer Experience.

Adilur Rahman Chishti

Two Wheeler Loan | 05 November, 2022

Just bought my second bike and took the bike loan from Tata Capital, both of which turned out to be great decisions. Another satisfactory and fulfilling experience at Tata Capital

Dinesh Shetty

Two Wheeler Loan | 05 March, 2022

Took a two wheeler loan to gift my son his first bike! Couldn't have made a better choice than Tata Capital as my lender.

Tejas Kumar

Two Wheeler Loan | 03 March, 2022

Recently got financing for my new bike from Tata Capital. Smooth process and friendly customer service as expected from Tata Capital

Rajat Rai

Two Wheeler Loan | 22 February, 2022

Tata Capital's two wheeler loan helped me buy my dream bike. Easy and simple process with minimum documents required. The best place for a bike loan!

Yash Sinha

Two Wheeler Loan | 16 February, 2022

Tata Capital offers two wheeler loan at affordable interest rates and the assistance provided by their team made my application process easier.

Sumit Waghale

Two Wheeler Loan | 20 October, 2021

Really happy with Tata Capital's two wheeler loan offering as they disbursed it quite fast with good interest rates. Strongly recommend everyone to use their two wheeler loan emi calculator as it is very helpful.

Vivian Joseph

Two Wheeler Loan | 20 October, 2021

I had taken a two wheeler loan from Tata Capital and I am so satisfied with my decision. It was a quick and a hassle free process along with great customer service.

Nitin Maskar

Two Wheeler Loan | 20 October, 2021