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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.
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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
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Two-wheeler loan interest rates refer to the rate at which the interest will be charged on your two-wheeler loan principal for a fixed tenure. Two-wheeler loan rates or bike loan rates vary among lenders.
Tata Capital’s bike loan interest rates start at just 10.75%.
Up to 4% +GST on the total loan amount
3% on Overdue Amount per month + GST
₹ 850
₹ 450 + GST
2% of loan amount or ₹5,750 whichever is higher
₹ 550 + GST
5% of the principal outstanding at the time of foreclosure + GST
₹ 450 + GST
Charges will be applicable on your EMI Due date in case the account does not have an Active mandate after the exhaustion of the given post-dated cheques. This charge would be applied every month until there is an Active Mandate linked to the account.
At Actuals
₹ 8,000
₹ 300
₹ 550
₹ 300
₹ 550
For loan amounts up to ₹ 85,000 – ₹ 250
For loan amounts above ₹ 85,000 – As per state
The main factors that impact two-wheeler loan interest rates are:
Credit Score: If you have a good credit score, you may be able to get a lower interest rate. On the other hand, if your credit score is bad, the lender will most likely charge you a higher interest rate.
Income Level: Every lender has a particular level of income they expect you to earn per month. The higher you earn, the lower risk you have of not repaying your loan. This usually means you will get a favourable interest rate. If you earn a lower level of income, you may be given a higher rate of interest.
Place of Work: Your workplace or the organisation you work for may affect your two-wheeler rates. A reputed company may mean that you have a stable job and that you’re drawing a stable income. This may translate into lower interest rates.
Nature of Employment: Lenders may offer different interest rates depending on whether you are self-employed or salaried.
When you apply for a loan, aim for the lowest bike loan interest rates possible. Here are a few tips that can help you get a lower rate of interest:
Improve your credit score: Since your credit score plays a major role in determining your bike interest rate, look at ways to improve it before you apply.
Improve your Current Debt Status: Check your debt-to-income ratio. Pay off existing loans and bring down this ratio. The lower the ratio, the better your chances are of getting good rates.
Negotiate with your Lender: Sometimes, negotiating with your lender can help, especially in situations where you don’t fulfill all the eligibility criteria. For example, if you don’t have sufficient income but are expecting a pay raise, offering proof of this can help you get better interest rates.
Turn to your existing lender: If you already have a good relationship with a lender, you can get better interest rates.
Here are some other factors you must consider apart from bike finance interest rates before you apply for a loan:
Processing Fee: It is a one-time charge that your lender will levy for processing your loan application. A high processing fee will increase your overall loan costs. Choose a lender that offers you a low-interest rate along with a reasonable processing fee.
Eligibility Criteria: Some lenders may have stricter eligibility criteria than others. Choose a lender whose criteria you can easily fulfil so that you get your loan without any hassles.
Prepayment Charges: Prepaying your loan can help you save money on interest costs. However, many lenders charge a fee if you want to prepay or foreclose your loan. Compare these charges if you plan to prepay or foreclose your loan in the future.
Other Charges: Make sure you read the loan offer document thoroughly and find out every other cost there is.
Disbursal Time: This is the time the lender takes to give you the money from the time you apply for it. Find out how long various lenders take to sanction and disburse your loan.
Discounts and special offers: Keep an eye out for seasonal discounts or special rates and loan conditions offered by lenders. Many lenders tend to give customers special offers during festival seasons. These offers may help you get low interest, bike loan terms that are preferential, and better repayment options.
To get a two wheeler loan, follow the steps as given below –
First, check your two wheeler loan eligibility and submit the application form online for a quick and hassle-free procedure.
Visit the dealership showroom and pick a bike or two wheeler of your choice.
Submit the relevant two wheeler loan documents required.
Your documents and credit report will be verified for loan approval.
Post-verification, if there are no discrepancies, your loan will be sanctioned, and the amount will be disbursed to your dealer.
The following are the benefits of two wheeler loan –
Avoiding public transport amidst COVID-19 – Abstain from taking highly crowded public transportation and travel safe with a personal two wheeler.
Easy way to finance dream ride – In a few effortless steps, you can bring home your dream two wheeler.
Meeting all personal and business commuting needs – You need not be dependent upon anyone for your commuting needs, especially in times of emergencies.
Keeping aside cash for emergencies – Keep your funds undisturbed for emergency situations since you can pay back the loan in easy monthly instalments.
Tax claims and deductions – Claim tax benefits on the interest payable and depreciation cost of the vehicle if you’re taking a two wheeler loan for business purposes.
We offer bike finance for a maximum value of Rs. 3 lakhs. Depending upon your two wheeler loan eligibility and whether or not you wish to apply for a standard or super bike loan, you get to choose from a wide principal bracket (Rs. 25,000 to Rs. 3 lakhs) Also; you can calculate your bike loan EMI using two wheeler loan EMI calculator.
You can avail two wheeler loan for a maximum tenure of 60 months or 5 years. You get a wide bike loan tenure bracket; choose from flexible two wheeler loan tenure, ranging from as short as 6 months to as long as 60 months.
The following are the two wheeler loan eligibility criteria –
Age – must be between 21 and 60
Residential stability – at least one year, and in case of self-employed individuals, the residence must be self-owned
Work stability – at least one year for salaried individuals and at least two years for self-employed individuals
The following are the documents required for two wheeler loan –
ID Proofs – Passport/Driving License/PAN Card/Voter’s ID/Aadhaar Card along with recent passport size photographs
Residential Proofs – Passport/Driving License/Utility Bill/Voter’s ID
Income Proofs (if required) – Previous three months’ Salary Slips/Form 16/Last three months’ Bank Statements reflecting salary credits/Past three years’ Income Tax Returns (ITR)/Salary Certificate in case of salaried individuals
Bank Statements – of the last three months in case of standard bike loan and last six months in case of super bike loan.
Residence Ownership Proof – must be in the name of applicant, their parents, or spouse in case of a standard bike loan and must be mandatorily self-owned in case of super bike loan
Check your eligibility and ensure that you submit the right documents needed for two wheeler loan.
The collateral for a loan refers to an asset that is pledged as security with the lender. In case a borrower fails to repay the loan, the asset kept as collateral will be seized. However, you do not need to keep any additional asset as collateral when you avail bike finance from Tata Capital. The bike you purchase will itself act as the security for your two wheeler loan.
Yes, purchasing a super bike is no longer a far-fetched dream with lenders offering super bike loan to fund the expenses. You can receive bike finance for 95% to even 100% of the super bike’s value.
Yes, you can avail a zero down payment two wheeler loan with Tata Capital. Meaning, you will not have to pay any down payment or upfront costs; 100% of your desired bike’s value will be covered by your bike loan.
Two wheeler loan interest rate refers to the rate at which interest will be charged on your two wheeler loan principal for a fixed tenure. Tata Capital’s bike loan interest rates start at just 10.75%.
Processing fee of a two wheeler loan is the fee charged for the processing of your loan application. This one-time fee is non-refundable even if your loan application is rejected. Tata Capital charges a processing fee which is equivalent to 3.10% of the loan principal amount.