Documents Required for Two Wheeler Loan
Explore the easiest, fastest, and most affordable way to make your dream two-wheeler yours


Avail of a two-wheeler loan from Tata Capital with minimal documentation requirements. Enjoy quick loan approvals and disbursals with just your identity and address proof documents. These include your passport, driving license, Aadhar card, PAN card, voter's ID, electricity bill, or passport. Bring home your dream bike today without any financial strain.
You must submit the required documents to prove your 2-wheeler loan eligibility. Here is the bike loan documents list-
You must produce these documents to avail of a loan. Here is the bike loan documents list-
Documents for Address Proof –Aadhar Card, Passport, Voter’s ID.
Keep these loan on bike documents ready in advance for a hassle-free process.
Wondering what documents are required for a two-wheeler loan? Check out this complete list:
Documents | Salaried | Self-employed |
---|---|---|
Application form | Yes | Yes |
KYC |
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Photographs | Yes | Yes |
Identity proof | Yes | Yes |
Address proof | Yes | Yes |
Age proof | Yes | Yes |
Signature verification | Yes | Yes |
Income proof |
||
Latest salary slip/Form 16 | Subject to conditions | Subject to conditions |
Income tax returns (ITR) for the last year | Subject to conditions | Subject to conditions |
Other documentation |
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Bank statements | Yes | Yes |
Business stability/ownership proof | No | Yes |
Employment stability proof | Yes | No |
Every lender in the market has different eligibility criteria to qualify applicants, and two-wheeler loans are no different. However, another good thing about a two-wheeler loan with Tata Capital is its easy-to-meet eligibility criteria. Tata Capital especially has very minimal criteria for the borrowers, so it's easier for them to avail of a loan. These are the following eligibility criteria for different entities:
You must be between 21 to 60 years old at loan maturity.
Have at least one year of residential stability
Have at least a minimum of one year of work experience
You must be between 21 to 65 years old at loan maturity.
Have at least one year of residential stability
Have at least a minimum of one year of work experience
After you first submit the application form to the lender, there's a lot that goes behind the scenes. The process varies from lender to lender, but overall, they generally engage in the following steps:
Now that you know that the bike loan required documents required for scooty are straightforward, you can easily apply for the same. Tata Capital has some of the best interest rates, loan tenures and other benefits to make your experience of buying a two-wheeler extraordinary. Simply reach out to us through our website or download the loan app, or you can make a visit in person to get started on your two-wheeler loan application.
Your credit report contains details of your past borrowings and repayments. It reflects who you are as a borrower. Based on the credit report, you receive a score called the CIBIL or credit score on a scale from 300 to 900. A low CIBIL score will portray you as a high-risk borrower in the eyes of a lender and vice-versa. Lenders prefer that your credit score for bike loan eligibility be at least 750 or above for loan sanctioning. If you have a very low CIBIL score, lenders may altogether reject your two wheeler loan application even if you have all the required documents for bike finance.
Yes, a salaried individual can get a two wheeler loan to purchase a vehicle for personal use. However, they must check the eligibility before submitting the required bike finance documents for verification.
Typically, it takes approximately 24 to 48 hours to approve your online loan application and disburse the amount, provided that you meet the eligibility criteria and have submitted all the bike finance documents required.
Bike loan documents consist of your ID and address proof. In addition to these, documents required for bike loan in India also include proof of your residential and employment stability:
1. For salaried individuals: bank statement, last 3-month salary slip or salary certificate, latest form 16
2. For self-employed individuals: bank statement, copy of latest income tax returns
3. Residence ownership proof: must be in the name of the applicant, their parents, or spouse
You can get a two-wheeler loan without income proof if you apply with a co-applicant. Since both the applicants’ incomes are taken into account, it can increase the chances of your loan getting approved.
Yes, two-wheeler loans are also available for used bikes.
Yes, prepayment charges vary between lenders. Some might impose higher fees than others.