Under the Fixed bike loan EMI plan, the Principal and Interest components of the loan remain unchanged throughout the tenure. As a result, the EMI also remains fixed.
sign in to unlock
special offers!
You are signed in to unlock special offers!
Personal Loan
Personal Loans at Tata Capital are unique and flexible. We offer quick and easy finance at competitive interest rates. Our Personal Loan is built around your needs. Who says you can’t have it easy? With us, all it takes is a click.
Apply NowPERSONAL LOAN INTEREST RATES STARTING AT 10.99%
Overdraft Loan
Need instant cash for those unexpected needs? Tata Capital offers Personal Loan Overdraft facility with the flexibility to withdraw funds as per your need and pay interest only on the utilized amount.
Apply NowPERSONAL LOAN INTEREST RATES STARTING AT 13.50%
Marriage Loan
A marriage today comes with its fair share of frills, thrills and not to mention - Bills. A Personal Loan for Wedding enables you to pay for anything related to your special day. We help you find a loan that fits your budget in a timely manner and make your fairy-tale wedding come to life.
Apply NowMARRIAGE LOAN FUNDING UP TO RS. 35 LAKHS
Medical Loan
In times of emergency, getting funds should be a hassle free experience. Tata Capital,s Medical Loan provides flexible repayment options for all cosmetic, medical and dental procedures. With us, you can rest easy knowing your medical expenses are covered.
Apply NowLOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
Education Loan
Tata Capital offers Education Loans to help students pay their tuition fees and living cost when they are looking to take the next steps in their education, both in India and abroad.
Apply NowAVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
Travel Loan
Want to fund your vacation but falling short on funds? An EMI based Travel loan can be an ideal way to pay for a holiday that you can’t quite cover in one go. Head off on your next adventure. Our Travel Loan is simple, easy and fast!
Apply NowHome Renovation Loan
Thinking of revamping your home? We help you do just that with our Personal Loan for Home Renovation. Whether you want to remodel your kitchen or turn your children’s bedroom into a magical fairy land, our Home Renovation Loan facility will help in giving your home a new look.
Apply NowHOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
Home Loan
If you’re a first-time home buyer, looking to expand your existing home, or just thinking to live rent-free for all your life, Tata Capital's Home Loan is the ideal solution to all your home loan requirements. Our Home Loans are quick and easy and are available at an attractive interest rate.
Apply NowHOME LOANS WITH INSTANT APPROVALS STARTING AT 8.95%
Home Extension Loan
As the years go by and your family continues to grow, does your house feel smaller? Tata Capital’s Home Extension Loan is a perfect solution to help you give your family that additional space they deserve.
Apply NowCUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
Affordable Housing Loan
Every person deserves a home to call their own. With this vision and under the Pradhan Mantri Awas Yojana Scheme, Tata Capital Housing Finance offers affordable home loans at competitive interest rates.
Apply NowUNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
PMAY
The PMAY is a Government backed Credit Linked Subsidy Scheme (CLSS) wherein the mission is to provide affordable housing for all by the year 2022. The PMAY scheme offers its beneficiaries with subsidy, where the Pradhan Mantri Awas Yojana interest rate is charged at a subsidised or reduced rate than regular housing loans. This is done to make it possible for everyone to afford a home.
Business Loan
Whether you want to revamp your business, launch a new store, buy new machinery, increase working capital or outperform your competitors. Tata Capital Unsecured Business Loans offer you customised loans to suit your business plan.
Apply NowONE STOP SHOP FOR BUSINESS FINANCING UP TO RS. 50 CRORES
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
Used Car Loan
Opting for a Used Car Loan is a smart, value-for-money purchase. Tata Capital offers Used Car Loans upto Rs. 50 lakhs for a wide collection of cars ranging from hatchbacks & SUVs to premium sedans. Your favourite car is just a click away.
Apply NowTwo Wheeler Loan
Nothing matches the thrill of owning your brand new bike. Tata Capital offers Two Wheeler Loans for you to own the bike of your choice. We offer up to 100% funding on your new motorcycle or scooter.
Apply NowLoan Against Securities
With Loan Against Securities (LAS) from Tata Capital, you can unlock the potential of your investments. All you have to do is pledge your equity shares, mutual funds, bonds or securities and get access to instant liquidity. We offer LAS with zero foreclosure and prepayment charges.
Apply NowUNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
Loan Against Securities
With Loan Against Securities (LAS) from Tata Capital, you can unlock the potential of your investments. All you have to do is pledge your equity shares, mutual funds, bonds or securities and get access to instant liquidity. We offer LAS with zero foreclosure and prepayment charges.
Apply NowUNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
VEHICLE LOAN
Used Car Loan
APPLY NOWMutual Fund
As one of the leading Indian Investment Managers, Tata Asset Management Limited understands that managing wealth is as important as the creation of it. View their range of investment solutions for financial planning & wealth creation.
Know MoreConsumer Durable Loan
A better and more comfortable lifestyle is now within your reach. Tata Capital’s Consumer Durable loan covers 100 + lifestyle products from that giant TV to the home theatre system. We offer 0% interest on most of the consumer durable products and are the one-stop solution for your every needs.
Insurance
At Tata Capital, we understand your insurance needs and offer Insurance policies that provide protection against any unforeseen risks. Tata Capital has solutions to cater to your various needs - you can avail any of the Online Insurance policies with just a few clicks!
Know MoreMicrofinance
Tata Capital provides easy Microfinance Loans available at attractive interest rates. Avail a loan up to Rs. 2 lakhs through a simple process with minimal documentation. Get flexible tenures up to 36 months and repay your Microfinance loan EMI as per your convenience.
Know MoreWe have pre approved offers for you
Fill in these details to know more
verify your mobile no.
Please enter the 4 Digit OTP sent to your mobile Number.
verify your mobile no.
Generate a 4 digit OTP to verify your mobile number.
Incorrect OTP
OTP once used cannot be reused. Please resend OTP to try again.
Download the Moneyfy App
Be Investment ready in minutes
Download NowTake a Tata Capital Home Loan
Lowest interest rates starting at 8.95%*
Apply NowApply for a Tata Card
Get benefits worth Rs. 18,000*
Apply NowPersonal Loan
PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
Overdraft Loan
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
Marriage Loan
MARRIAGE LOAN FUNDING UP TO RS. 35 LAKHS
Medical Loan
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
Education Loan
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
Travel Loan
Home Renovation Loan
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
Home Loan
HOME LOANS WITH INSTANT APPROVALS STARTING AT 8.95%
Home Extension Loan
CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
Affordable Housing Loan
UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
Loan Against Property
Loan Against Securities
Personal Loan
PERSONAL LOAN INTEREST RATES STARTING AT 10.99%
Overdraft Loan
PERSONAL LOAN INTEREST RATES STARTING AT 13.50%
Marriage Loan
MARRIAGE LOAN FUNDING UP TO RS. 35 LAKHS
Medical Loan
LOANS FOR MEDICAL NEEDS ON AN EMERGENCY BASIS
Education Loan
AVAIL TAX BENEFITS ON EDUCATION LOANS FOR HIGHER STUDIES
Travel Loan
Home Renovation Loan
HOME RENOVATIONS LOANS FOR YOUR HOUSING NEEDS
Home Loan
HOME LOANS WITH INSTANT APPROVALS STARTING AT 8.95%
Home Extension Loan
CUSTOMISED SOLUTIONS FOR HOME EXTENSION NEEDS WITH TENURE UP TO 30 YEARS
Affordable Housing Loan
UNDER THE PRADHAN MANTRI AWAS YOJNA SCHEME, AVAIL INTEREST RATE SUBVENTION STARTING AT 4%
Business Loan
ONE STOP SHOP FOR BUSINESS FINANCING UP TO RS. 50 CRORES
Loan Against Property
LOAN AGAINST PROPERTY UP TO RS. 3 CRORES WITH FLEXIBLE LOAN TENURES
Loan Against Securities
UNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
Loan Against Securities
UNLOCK THE POWER OF YOUR INVESTMENTS WITH LOAN AGAINST SECURITIES UP TO RS. 20 CRORES
Used Car Loan
Two Wheeler Loan
Mutual Fund
Mutual Fund
As one of the leading Indian Investment Managers, Tata Asset Management Limited understands that managing wealth is as important as the creation of it. View their range of investment solutions for financial planning & wealth creation.
Know More
Consumer Durable Loan
AVAIL 0% INTEREST RATE AND ON-SPOT APPROVALS WITH YOUR NEXT ELECTRONIC PURCHASE
Insurance
Insurance
Click the "Allow" button to receive notification
STAY UPDATED!
We're constantly crafting offers and deals for you. Get them delivered straight to your device through website notifications.
All You Have To Do Is Click On "Allow".CHECKING FOR OFFERS AGAINST
Sorry! No offers found
Register below to be eligible for
Exclusive offers from Tata Capital
Are you sure?
You will not be eligible for exclusive offers from Tata Capital
thank you for SUBMITTING THE DETAILS
We will notify you in case any special offers are available
EMI is the abbreviated form for Equal Monthly Instalments. It refers to the amount you need to keep aside every month towards the repayment of a loan. Your two wheeler loan EMI is composed of the borrowed loan principal as well as the applicable interest on the loan over a fixed tenure. Bike EMI value can be easily calculated using an online two wheeler loan EMI calculator.
Deciding the right two wheeler loan EMI is vital to a smooth repayment experience. To choose the right bike loan EMI option, you must consider the following three ‘Hows’ –
How soon do you wish to pay off your two wheeler loan?
How much bike EMI can you afford to pay in a month?
How much of an interest rate are you comfortable paying?
Choosing the right two wheeler loan EMI is crucial to having a comfortable repayment experience. You can determine the right EMI option by answering the following questions -
How soon do you want to pay off your two wheeler loan?
If you answered the obvious, which is you want to close your loan as early as possible, then choose a short tenure. However, do remember that a short tenure means higher bike EMI every month.
How much EMI can you afford to pay in a month?
Have a realistic idea of your income and weigh it against your monthly financial obligations plus the bike loan EMI you need to pay every month. If you find that the EMI is going beyond your repayment capacity, opt for a longer tenure.
How much of an interest rate are you comfortable in?
If you wish to pay low bike loan interest rate, then choosing a short tenure is the ideal option because a longer tenure brings with it higher interest outgo. However, this is something you will have to answer based on your current income and likelihood of a raise in the future.
To make it easy and hassle-free for you to pay your two wheeler loan EMI, we offer two EMI payment plans which you can choose based on your cash flow.
To pay off your bike loan EMI in an easy and hassle-free way, we offer you multiple payment modes which you can choose based on your convenience.
Pay Online
An easy, online bike loan application must have an equally easy, online payment mode. Pay your two wheeler loan EMI using our website or your smartphone, anytime, and from anywhere.
Drop a Cheque
Another way to pay off your bike EMI is to select a nearby branch and drop off a cheque at your convenience.
If you’re planning to buy bike on EMI, you can do so via simple steps –
Online Application – In an easy and hassle-free way, you can apply for a standard or super bike loan online. Before applying, do find out your bike loan EMI in advance using an online two wheeler loan EMI calculator.
Document Submission – Then, simply upload the required documents for loan approval.
Verification – Your documents and credit report will be verified and validated.
Approval – If no discrepancies are found, your two wheeler loan will be sanctioned and the amount will be disbursed to your dealer.
The most common two wheeler loan repayment process is to take a loan principal and repay it along with the applicable interest in Equal Monthly Instalments or EMIs over a specified loan tenure. This EMI value can be known beforehand using an online bike loan EMI calculator.
To make the repayment experience convenient and smooth, borrowers are offered two wheeler loan Flexi EMI options. Under this option, two bike loan EMI plans are available –
Fixed EMI plan – suitable for those with a consistent income since under this plan, the two wheeler loan EMIs remain unchanged throughout the loan tenure.
Structured EMI plan – suitable for those whose income is expected to rise in the future. Under this plan, the EMIs can be customised as per your requirements.
Yes, you can prepay your two wheeler loan, provided you prepay it fully. However, certain charges will accompany the full prepayment of bike loan in the form of foreclosure charges. Before you apply for two wheeler loan, check your lender’s foreclosure charges.
No, your two wheeler loan EMI cannot be changed once your loan has been sanctioned and the amount has been disbursed. All changes in bike loan EMI can be made prior to the application processing stage. You can adjust the loan tenure in a two wheeler loan EMI calculator and arrive at a more comfortable EMI value.
You can manage your two wheeler loan EMIs by –
Calculating your EMI in advance as it will help you manage your finances better; you will have a clear idea of the amount that you need to set aside every month towards your bike loan EMI.
Choosing a longer tenure in case you are not comfortable with a high EMI value. However, remember that with a longer tenure comes higher two wheeler loan interest rates outgo.
Using smartphone applications to set a reminder for your monthly bike EMI payment
Keeping the EMI money aside on the very first day of each month or notifying your bank for automatic payments so that you do not default
For a comfortable repayment experience, two different two wheeler loan EMI options are offered –
Fixed EMI plan – wherein the principal and interest payment remain fixed throughout the loan tenure. As a result, the bike loan EMI also remains unchanged. This EMI option is advisable to those with a consistent income which is likely to remain the same in the future.
Structured or Flexi EMI plan – wherein the EMIs can be customised. Usually, the bike EMI values are low during the initial months and they gradually increase. This plan is recommended for those who expect to see a rise in income in the near future.