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Nothing matches the thrill of owning a brand new bike. We understand this, and as such, Tata Capital offers two wheeler loans for you to own a bike of your choice. We offer up to 100% funding on your new motorcycle or scooter. You can now get on the road faster and apply for your motorcycle loan with Tata Capital Two Wheeler Loans. 


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

Know more about our offerings

Key Features

Loan Amount

₹25,000 - ₹3,00,000

Loan Tenure

6 - 60 months

Interest rate starting at


Zero down payment bike loan 


Finance up to 100% of the Cost

You can avail a loan up to 100% of the two wheeler actual cost for bikes, up to ₹1,50,000.

Longer Loan Tenure

You can avail a loan tenure up to 5 years.

Quick and Easy Processing

With quick processing and minimal paperwork, your two wheeler loan will be processed in no time.

Finance up to 100% of the Cost

You can avail a loan up to 100% of the two wheeler actual cost for bikes, up to ₹1,50,000.

Longer Loan Tenure

You can avail a loan tenure up to 5 years.

Quick and Easy Processing

With quick processing and minimal paperwork, your two wheeler loan will be processed in no time.

What is a Two Wheeler Loan?

A two wheeler loan is an easy and hassle-free way to finance the purchase of a two wheeler (bike or scooty) of your choice. The loan amount along with the applicable interest amount can be repaid in the form of Equal Monthly Instalments or EMIs over a fixed loan tenure. Bike loans are available for both salaried and self-employed individuals. 

Why Should You Take a Two Wheeler Loan?

Taking bike finance gives you the following benefits –

  • Safety first – The COVID-19 pandemic has made it mandatory to avoid crowded places and public transportation tops the list. Your new ride purchased via a two wheeler loan will offer you a safe driving experience during such times as these.

  • Sense of independence – By having a vehicle of your own, you need not stay dependent on public transport or anybody else for your commuting needs, something which a bike loan provides. This is especially useful in case of emergencies.

  • No public transport hassles – You can forget about starting your day with long queues to catch a bus, metro, local train, or auto rickshaw. Drive as and when you please without such hassles.

  • No strain on personal funds – Buying a two wheeler is a substantial investment. Instead of draining your funds altogether, you can take a loan and pay back in easy Equal Monthly Instalments over a comfortable tenure.

  • Zero down payment – Get finance for up to 100% of the cost of your desired two wheeler up to a maximum of Rs. 1.5 lakhs.

When Should You Take a Two Wheeler Loan?

You can take a two wheeler loan for the following situations –

  • Personal use – A personal two wheeler will spare you the time-consuming modes of public transport. From everyday grocery shopping to emergencies like buying urgent medicines, you can do them all without having to depend upon anybody.

  • Business use – If your business operations are such that you may have need of a two wheeler to carry out small business deliveries, don’t rely on third-party help for the same – take a bike loan and purchase a two wheeler. Plus, on taking bike finance for commercial purposes, you get tax exemptions on the interest and the depreciation cost of the vehicle.

  • Safety use – Ever since the novel coronavirus, traveling safe has taken on a whole new meaning. Owning a Two wheeler will help you avoid crowded public transportation and travel safe.

Steps to Take a Two Wheeler Loan

The following are the steps to get two wheeler loan –

  • Simple Online Application – Apply through our website by filling in a two wheeler loan application and submitting it online.

  • Minimal Documentation – Furnish the required two wheeler loan documents based on whether you’re applying for a standard or a super bike loan.

  • Verification – We will verify and validate your documents and credit report.

  • Approval – If there are no discrepancies found, your bike loan will be sanctioned and the loan principal will be disbursed to your bike dealer. 

Two Wheeler Loan Eligibility

The two wheeler loan eligibility criteria for salaried and self-employed individuals is as follows –

  • Age – Must be between 21 and 60 years

  • Residential Stability – Minimum of one year but it is mandatory for the residence to be self-owned in case of a super bike loan

  • Employment Stability – At least for one year in case of a standard bike loan and at least for two years in case of a super bike loan

  • Income – not specified in case of a standard bike loan whereas in case of a super bike loan, the income should be at least Rs. 15 lakhs per annum for salaried individuals and at least Rs. 5 lakhs per month for self-employed individuals

What is Zero Down payment Bike Loan?

Zero down payment bike loan is a loan wherein the lender will finance the entire cost of the two wheeler you wish to purchase, not requiring you to pay anything upfront. Tata Capital offers 100% of the value of the two wheeler up to a maximum of Rs. 1.5 lakhs.

Documents Required for Two Wheeler Loan

Be it a salaried or a self-employed individual, the following are the documents required for bike loan –

  • Documents for ID Proof – PAN Card/Voter’s ID/Passport/Driving License/Aadhaar Card along with recent passport size photographs

  • Documents for Address Proof – Electricity Bill/Ration Card/Passport

  • Documents for Income Proof (if required) – Salaried individuals need to furnish last three months’ Salary Slips/Form 16/Last three months’ Bank Statements reflecting salary credits/ Salary Certificate and self-employed individuals need to furnish latest Income Tax Returns (ITR)

  • Residence Ownership Proof – mandatory in case of super bike loan

  • Bank Statements – last three months in case of standard two wheeler loan and last six months in case of super bike loan

Two Wheeler Loan Interest Rates and Charges

The most basic charge applicable on a two wheeler loan is that of the interest. The rate at which the interest is charged on the principal amount of the bike loan for a specified tenure is known as the bike loan interest rate. This rate is expressed as a percentage.

Besides the interest rate, other two wheeler loan fees and charges are also involved.

Two Wheeler Loan EMI Calculator

A bike loan EMI calculator is a free and useful online tool using which you can calculate the amount you need to pay every month towards the repayment of your two wheeler loan + the applicable interest amount. Using this EMI calculator, you can easily plan out your monthly EMIs so as to avoid any defaults.

What are the EMI Options Available on Two Wheeler Loan?

To help you pay your bike loan EMI with ease, the following repayment plans are available –

  • Standard EMI plan – wherein the bike EMI value remains unchanged month after month. This plan is suitable for those with a fixed monthly income which is unlikely to change in the future.

  • Flexi or Structured EMI plan – wherein the two wheeler loan EMI can be customised – generally, the EMI starts out low and gradually increases in the latter half of the tenure. This plan is ideal for them who expect a rise in income in the future. 



Pay your bike loan EMI using our website or your mobile device, anytime and from anywhere.


Select a nearby branch and drop a cheque at your convenience.