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Tata Capital offers a two-wheeler loan up to ₹5 lakh* with a competitive interest rate starting at just 12.5%* p.a. Get benefits like hassle-free online application process, minimal documentation, and instant online approval. With a loan tenure of up to 60 months, enjoy an instant bike loan with Tata Capital.
Loan Amount
₹25,000 - ₹5,00,000
Loan tenure
6 - 60 months
Interest rate starting @
12.5% p.a
Loan amount
Loan duration
Loan duration
Rate of interest
Monthly EMI
Total Amount Payable
0*
Total Interest Payable
0*
Total Amount Payable
Total Interest Payable
A two-wheeler loan interest rate is the rate charged on your loan amount over the chosen tenure. This rate can vary depending on your loan amount, credit profile, and product type. Tata Capital offers competitive rates and transparent fee structures to make bike ownership more accessible and affordable.
| Type of Fee | Applicable Charges |
|---|---|
| Processing Fee |
Up to 5% on loan amount |
| Documentation Charge |
Up to ₹3,500 (wherever applicable) |
| PDD – Post Disbursal Document Charges |
₹500 + GST |
Tata Capital offers one among the most competitive interest rates on two wheeler loans in the industry, starting at just 12.5% (flat rate). Final rates may vary based on your profile and the loan product selected.
Age – You must be between 21 to 60 years old at loan maturity to qualify for a 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.
Age – You must be between 21 to 65 years old at loan maturity.
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.
You must submit the required documents to prove your 2-wheeler loan eligibility. Here is the bike loan documents list-
ID Proof: Passport/Driving License/Aadhaar Card/Voter’s ID
Address Proof: Aadhar Card, Passport, Voter’s ID.
You must produce these documents to avail of a loan. Here is the bike loan documents list-
ID Proof: Passport/Driving License/Aadhaar Card/Voter’s ID
Address Proof: Aadhar Card, Passport, Voter’s ID.
Keep these loan on bike documents ready in advance for a hassle-free process.
Tata Capital offers a simple, fast, and flexible process to help you apply for bike loan, whether you prefer to apply for two wheeler loan online or visiting a branch. Our process is designed to give you easy access to the best two wheeler loan with minimal hassle.
Online Application Process
You can complete your bike finance application in just a few steps from your home:
Visit the official Tata Capital website and go to the bike finance section
Click on ‘Apply Now’
Enter your personal, vehicle, and income details in the form
Submit your application online
We will review your two wheeler loan request and get in touch for the next steps
Offline Application Process
Prefer the traditional way? Here’s how to apply at your nearest branch:
Visit a Tata Capital branch and speak to a representative about your loan requirement
Check if you meet the two wheeler loan eligibility criteria for bike loan apply
Submit required documents including ID, address proof, income proof, and bike details
Inform the representative of your desired loan amount and repayment tenure
Your application will be processed after document verification
Individuals meeting the following criteria are eligible for a two-wheeler loan from Tata Capital:
Your age must be between 21 and 60 (salaried)/65 (self-employed) years at the time of loan maturity
You must have at least a year of residential stability
You must have an employment stability of at least a year
Your monthly income should be a minimum of Rs. 15,000
You must have a healthy CIBIL score, preferably above 700
A borrower’s CIBIL score reflects their creditworthiness and plays a crucial role in the approval of a bike loan application. A higher CIBIL score indicates financial discipline and positively impacts the approval process and interest rates. Generally, a CIBIL score of 700 and above is considered favorable for bike loan approval.
Yes. Salaried individuals can avail of two-wheeler loans if they meet the lender’s eligibility criteria. Lenders may ask for a minimum salary, employment stability, and a satisfactory CIBIL score. They may also require documentary proof, including salary slips, bank statements, etc.
With Tata Capital, you can avail of a two-wheeler loan at a highly competitive interest rate, starting from just 8.99% (flat rate) per annum. Additionally, you can choose between a fixed or floating rate of interest, depending on your preference. The other charges you may incur include:
Processing fees - Up to 4% of the loan amount
Documentation charges - Up to Rs. 1,999
Post-disbursal document charges - Rs. 500
Foreclosure charges - 5% of the outstanding amount
Stamp duty - As applicable
At Tata Capital, the minimum and maximum amounts for a two-wheeler loan are Rs. 25,000 and Rs. 5 lakhs, respectively. The actual amount sanctioned depends on the bike’s on-road price, loan-to-value (LTV) ratio, and the applicant’s CIBIL score.
With the Tata Capital two-wheeler loan, you can select an appropriate loan tenure between 6 and 60 months. Opting for a higher tenure may lower your EMI amount, but increases the interest outgo, and vice versa.
In the case of a two-wheeler loan, the vehicle you’re purchasing itself serves as collateral. Hence, you are not required to provide any additional collateral. However, it may be required for a higher loan amount or in special cases.
Yes. With lenders like Tata Capital, you can avail of a two-wheeler loan and secure funding of up to 100% of the two-wheeler’s on-road price. However, your exact loan-to-value (LTV) ratio depends on your credit score, eligibility, and other related factors.
No. Usually, a guarantor or co-applicant is not required to apply for a two-wheeler loan. But in case you do not meet the lender’s eligibility criteria or norms, you may need a guarantor for security.
Below are the documents you may need to submit to apply for a two-wheeler loan:
Identity proof - PAN Card/ Aadhaar card/ Voter ID Card/ Passport
Address proof - Aadhaar card/ Passport/ Voter ID Card/ Driver’s license
Income proof - Salary slips/ Bank statements/ Income Tax Return
Proforma invoice or quotation of the two-wheeler
With Tata Capital, you can apply for a two-wheeler loan online or offline. To apply offline, you can visit your nearest Tata Capital branch and get in touch with our executive. To apply online, follow these steps:
Go to the “Two-wheeler Loan” section on our website and click on “Apply Now”.
Fill out an online application form with relevant details.
Upload the required documents.
Wait for the verification process to be completed.
Upon successful verification, the loan will get approved, and the amount will be disbursed to the dealer.
Loan approval and disbursement depend on the verification of your documents and credit report. If everything is in order, your two-wheeler loan may get approved and disbursed within 24 to 48 hours.
A two-wheeler loan EMI calculator is an online tool that can help you evaluate the EMIs for your two-wheeler loan in advance. It enables you to plan your repayments in a better manner and select a suitable loan amount and tenure to keep your EMIs affordable.
The EMIs for your two-wheeler loan usually start a month after the disbursal date. For example, if your loan is disbursed in the first week of October, your EMIs start from November. For the exact date, you can check your loan repayment schedule.
Yes. You can make part or full pre-payments on your two-wheeler loan. However, you may incur a pre-payment charge of 5% of the outstanding loan amount (or the pre-payment amount in the case of a part pre-payment).
Once you have paid the last EMI of your two-wheeler loan, the lender automatically closes your loan account. Your No Objection Certificate (NOC) is sent to your residential address through courier. The process usually takes 10 to 15 working days. You can also download your NOC from the lender’s website.
For enquiries or help, you can get in touch with our customer care helpline by dialing 1860 267 6060. You can also send a “Hi” on our WhatsApp number “75067 56060”. You can even send an email to us at customercare@tatacapital.com.
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