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up to Rs. 1 Crore

  • Attractive ROIs
  • Customizable Loan tenure

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  • Up to 100% financing
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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: Two Wheeler Loans are at the sole discretion of Tata Capital Limited (TCL).

  • Loan Amount

    ₹25,000 - ₹5,00,000

  • Loan tenure

    6 - 60 months

  • Interest rate starting @

Advantages of taking a Bike 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.

Features of Tata Capital two-wheeler loan

Every loan comes with its own set of features that make it attractive for consumers, and the same applies to two-wheeler loans as well. Tata Capital has several features that make two-wheeler finance loans quite competitive in the market. Let's take a look at them in-depth now.

Easy application process

There is very little paperwork involved here, as it only involves filling out your application form and submitting a few basic documents. We have even digitised the entire process, so you don't even need to visit our branches to submit the application form. 

Competitive interest rates

The lower the interest rate, the more affordable the EMIs will be in a longer tenure, and repayment will be easier. We make this a reality by offering competitive interest rates that are the best in the industry. This will allow you to fulfil your pressing financial needs by even availing of a higher amount as interest rates are lower than usual.

Repayment options

When it comes to repaying your loans, flexibility has to be a priority. And Tata Capital extends this flexibility by offering you multiple convenient options for EMI payments. We have options such as e-mandate, post-dated cheques and online to make loan repayment easier for you.

Fast approval

Tata Capital makes this experience a fruitful one for you as we don't have long waiting times. Once you meet the eligibility with few basic details, your loan is approved within few minutes. Submit the documents for verification and your loan application will be disbursed within the same day.

Zero down payment

This is another useful feature, especially when you don't have the funds to make a down payment. Tata Capital will finance 100% of the bike you choose for a maximum of up to Rs. 2.85 lakhs. 

Key benefits of two-wheeler loan

You might wonder how you might benefit from taking a two-wheeler loan. Apart from the funds involved, there are other key benefits of bike loans that you might know of. Tata Capital offers the following two-wheeler loan benefits that you can take advantage of.

Easy bike financing

Got your eyes on your dream bike but found it a little costly? This shouldn't limit you to choosing a bike of a lower cost. Tata Capital offers loan amounts starting from Rs 25,000 to a maximum of Rs. 5,00,000 so that you can bring home your dream bike hassle-free. 

Flexible tenures

While bike loans can be relatively cheaper to pay, they can still be challenging for people who need funds for other purposes. So to help people pay their dues easily, Tata Capital offers flexible tenures. With us, you can choose convenient loan tenures from a period of six months to a maximum of five years. 

Easy documentation

The documentation requirements vary depending on the lender. While some lenders have extensive documentation, two-wheeler loans with Tata Capital have very little documentation. Tata Capital asks for minimal documentation, which includes:

  • ID proof - Aadhaar card, passport, voter ID, etc.
  • Address proof - the electricity bill, gas bill, etc.

Easy eligibility criteria

Because of rigid eligibility criteria, most people may find it challenging to be approved for a loan. However, Tata Capital has easy eligibility criteria to ensure you can get access to the necessary funds when needed the most.


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How to apply for a Tata Capital two-wheeler loan offline?

While Tata Capital offers you the chance to apply online, it still has the traditional means of applying offline as well. This can be particularly useful to people who are more accustomed to traditional means of availing of a loan.

The process to apply for a two-wheeler loan offline is as follows:

Step 1

Go to the nearest Tata Capital branch and speak to a representative about your intention to avail of a bike loan. They will guide you through the process based on your requirements. 

Step 2

Ensure you are eligible for the two-wheeler loan. We have easy eligibility criteria for you to follow Know More

Step 3

Have all of the required documents ready. Tata Capital has very minimal documentation that you need to submit. They are:

  • ID proof - Your Aadhaar card, passport, voter ID
  • Address proof - Your electricity bill, gas bill

Step 4

Submit all of the required documents to our representative. You can let them know about the desired loan amount you will need and the tenure of the loan as well. They will guide you through the entire process and help you submit all the relevant documents.

Step 5

Once you finish submitting, we will get in touch with you shortly to confirm your loan. We process our loans quickly, too, after we verify, so you'll get your loan in no time.

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.

Documents Required for Two Wheeler Loan

Documents Required forTwo Wheeler Loan

You must submit the required documents to prove your 2-wheeler loan eligibility. Here is the bike loan documents list-

  • Identity Proof documents – Passport/Driving License/PAN Card/Aadhaar Card/Voter’s ID and recent passport-sized photographs

  • Documents for Address Proof – Electricity bill / Passport  

Documents Required forTwo Wheeler Loan

You must produce these documents to avail of a loan. Here is the bike loan documents list-

  • ID Proof – Passport /Pan Card /Driver's License /Voter's ID/Aadhar Card Along with recent passport size photographs

  • Address Proof – Electricity Bill/ Passport

  • Keep these loan on bike documents ready in advance for a hassle-free process.

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 on our app 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.

Attractive interest rates

The interest rates that we offer are some of the best in the industry. This can be a great advantage, especially if you are planning to save extra money or go for a more expensive bike, as it can make your EMI payments much more affordable, depending on the tenure.

Easy-to-avail money

Our process to avail of a 2 wheeler loan is extremely simple. This means that there isn't any long procedure to get the loan amount. Once you've checked your eligibility, you simply submit the loan application, along with the other proofs and your application gets approved in no time. 

High loan amounts

Although your choice of a two-wheeler might be well within your budget, Tata Capital offers extra room to make easy decisions. We offer loan amounts up to a maximum of Rs. 5 lakhs, so you can buy your dream two-wheeler without any problems.

What our customers say about us

Very helpful and prompt service. A very quick resolution was provided, and the response was very polite.


Two Wheeler Loan | 03 May, 2024

I really liked the prompt response to everything. If I need anything in the future, I will take help from Tata Capital.


Two Wheeler Loan | 02 May, 2024

Everything is great! Thank you, Tata Capital, for providing the loan. I'm eagerly awaiting your service. Also, a big thank you to your excellent customer care assistants who helped me through this situation. I'm very pleased. Good luck, everyone!


Two Wheeler Loan | 17 April, 2024

Customer service executive behaviour very polite, smiling face, sharp product knowledge, positive atmosphere of branch. I am fully satisfied of TATA CApITAL staff who support me to Emandate. Thanks

Pradeep Kumar

Two Wheeler Loan | 22 March, 2024

Thanks to Tata Capital, their customer service is exceptional. They are very helpful and polite, making it easy for customers to obtain loans. Thanks to Tata Capital and the Tata team.

SANTOSH Krishna kumar

Two Wheeler Loan | 16 March, 2024

Good service for two wheeler loans. Thanks, Tata Capital.


Two Wheeler Loan | 18 February, 2024

Good service ,very quick process , good staff behaviour,I’m satisfied with Tata capital. Keep it up.


Two Wheeler Loan | 13 February, 2024

All perfect no suggestions required. Proud on Tata Group as an Indian.

Anju Mishra

Two Wheeler Loan | 08 February, 2024

I'm really pleased with Tata Capital for offering me a loan for my bike


Two Wheeler Loan | 06 February, 2024