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Two Wheeler Loan Application Process
Two Wheeler Loan Application Process
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To apply for bike loan, you need to submit the required bike loan documents for verification and loan approval. For an instant two wheeler loan, apply online and upload these documents digitally. You will need to submit the following documents for a bike loan– ID Proofs, Address Proofs, Bank Statements, and Residence Ownership Proof (optional in case of a standard bike loan).
Once you have filled the application form, you will be contacted by the call centre team and after confirmation you must visit the dealership for selecting a bike. Thereafter, the application is approved, and documents are uploaded for further process.
Upon successful verification of your documents and credit report, you will receive an online approval. Once we sanction your loan, we will disburse the loan amount to the bike dealer.
Buying a bike is always a special feeling for many. However, with rising vehicle costs, it has become expensive to own a two-wheeler right away. But worry not, Tata Capital has brought to you an affordable solution to this- a two-wheeler loan. With this financial assistance, you can easily bring your dream bike home and repay the loan in easy instalments without straining your budget.
The two-wheeler loan application process is available in both online and offline methods. You can apply through either of the ways. If you are going through the online medium, here are the steps you need to follow:
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
Having the right documents ready before you apply for a two-wheeler loan online significantly speeds up approval. Here is what each applicant type needs:
Salaried applicants: Aadhaar card, PAN card, last 3 months' salary slips, Form 16, bank statements for 6 months, and the vehicle's proforma invoice from an authorised dealer.
Self-employed applicants: Aadhaar card, PAN card, 2 years of income tax returns, bank statements for 6 months, business registration proof, and a proforma invoice. All documents should be self-attested and uploaded as clear scans in PDF or JPEG format. Ensuring consistency in name and address across all documents reduces the risk of rejection during the two-wheeler loan application process.
The eligibility criteria for a 2 wheeler loan varies from lender to lender. With Tata Capital, however, the eligibility criteria are quite straightforward.
You must be between 21 to 60 years old at loan maturity.
At least one year of residential stability
At least a minimum of one year of work experience
The eligibility criteria for a 2 wheeler loan varies from lender to lender. With Tata Capital, however, the eligibility criteria are quite straightforward.
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
There are a few things you can do to improve your chances of getting a two-wheeler loan. Let's check a few of them before you decide to go for 2 wheeler loan apply online.
You can apply for a bike loan easily in any of the following ways-
You can apply for bike loan easily in any of the following ways-
The online two-wheeler loan application process offers faster turnaround, 24/7 accessibility, real-time tracking, and no branch visit requirement — the entire journey from form fill to disbursement is digital. The offline process at a branch suits applicants who prefer in-person guidance or need support with documentation. Both routes access the same loan products and rates; the choice depends entirely on your preference and comfort with digital platforms.
After applying for a two-wheeler loan online, you can easily track your application status by following these steps:
Log in to your account: Visit the Tata Capital website or app and log in using your registered mobile number and OTP.
Go to the loan tracking section: Once logged in, navigate to the loan tracking or application status section.
Enter your reference number: Provide your loan application reference number in the required field.
Check your application status: View the current stage of your application, such as document verification, credit assessment, or sanction letter readiness.
Use customer support if needed: You can also contact Tata Capital customer care or use their WhatsApp service channel to get quick updates without logging in.
Two wheeler loan interest rate is the rate at which you need to pay interest on the loan principal for a fixed period. It is generally expressed as a percentage. Besides the bike loan interest rate, you also have to pay several other fees and charges– general and miscellaneous charges.
A two wheeler loan EMI calculator is an easy-to-use and free online tool using which you can calculate your two wheeler loan monthly EMI value instantly. All you need to do is enter three basic inputs – Principal loan amount, Rate of Interest, and Loan Tenure – and the calculator will generate results within seconds. This tool helps you to determine your repayment capacity, plan your monthly budget, and avoid EMI defaults. Use our Emi Calculator to determine the potential EMIs of your bike loan. Apply for a plan that best fits your requirements.
No, you can't make any changes in your two wheeler loan amount or tenure once your loan amount has been disbursed. You can only make changes in the pre-application stage. So, make sure to double-check and make the final decision once you’re convinced of your affordability and are comfortable with the tenure.
For instant two wheeler loan, apply online through our website. Once you submit all documents, it generally takes about 20 minutes to calculate your eligibility. If all the documentation is complete and accurate, and you meet the two wheeler loan eligibility criteria, we will sanction your loan and disburse the amount within 24 to 48 hours.
Getting a two wheeler loan online approval is easy and takes only a few simple steps –
Get instant access to a bike loan. Apply with Tata Capital today.
To apply for a two-wheeler loan, you should meet the following requirements:
1. Minimum one year of residential stability
2. Minimum one year of employment stability
3. Age requirement: 21 to 60 years
4. A credit score of 750 and above
5. Documents such as ID proof, address proof, and income proof
Tata Capital provides a maximum loan of up to Rs. 5 lakhs for two-wheelers. Additionally, with the bike loan option, you can avail 100% of the two-wheeler cost, up to a maximum of Rs. 2.85 lakhs.
1. Minimum one year of residential stability
2. Minimum one year of employment stability
3. Age requirement: 21 to 60 years
4. A credit score of 750 and above
You need to fulfil these eligibility criteria for a bike loan. Apply online for instant loan approval.
With 2 wheeler loan option, you can finance 80% to 100% value of the two-wheeler, up to a
maximum amount of Rs. 2.85 lakhs. This is beneficial if you have limited funds or prefer not to use your savings for the down payment.
It takes about 20 minutes to calculate your eligibility and approximately 24 to 48 hours to approve your online loan application if you fulfil the eligibility criteria and provide all the necessary documents. So, to get an instant two-wheeler loan, apply online.
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