Get a hassle-free loan for your new bike or scooter with Tata Capital. Enjoy up to 100% funding of the bike’s on-road cost, along with a quick and seamless online approval experience. With interest rates starting from 12.5% p.a.*, buying your dream two-wheeler has never been easier.
✔ Get Loan up to 100% of Bike Cost
✔ Quick & Easy Online Approval
✔ ROI starting from 12.5% p.a.*
Found your dream bike but it doesn't fit your budget? A Two Wheeler Loan is exactly what you need. It allows you to bring home your dream motorcycle or scooter and repay the amount in easy EMIs, based on your repayment capability. The tenure, interest rates, and other loan terms are decided as per your income and financial profile.
In today’s times, using public transport can be risky. Owning a two-wheeler gives you the freedom to travel safely, comfortably, and independently. With a two-wheeler loan, you can secure funding anywhere between 80% to 100% of the bike’s cost. Whether it's a commuter bike or a premium motorcycle, Tata Capital helps you finance a wide range of models with ease. What’s more? We ensure minimal paperwork and quick processing.
Disclaimer: Two Wheeler Loans are at the sole discretion of Tata Capital Limited (TCL).
| Loan Amount | ₹25,000 - ₹5,00,000 |
| Loan Tenure | 6 - 60 months |
| Interest Rate Starting @ | 12.5% p.a |
Every loan comes with its own set of features that make it attractive for consumers, and the same applies to two-wheeler loans as well. Tata Capital offers several key features that make its two-wheeler finance solutions highly competitive and customer-friendly. Let’s explore them in detail:
Minimal paperwork is required — simply fill out the application form and submit basic documents. With the entire process digitised, you don’t even need to visit a branch to apply.
Lower interest rates make EMIs more affordable, even for longer tenures. Tata Capital offers some of the most competitive rates in the industry, helping you borrow comfortably even at higher amounts.
Repayment flexibility is key, and Tata Capital offers multiple EMI payment options such as e-mandate, post-dated cheques, and online payments to make repayment seamless and convenient.
With simple eligibility criteria and basic details, Tata Capital offers instant approvals within minutes. After document verification, the loan is usually disbursed on the same day.
When funds are tight, Tata Capital allows you to proceed with a low down payment. You can get up to 100% financing on the two-wheeler cost, up to a maximum of ₹2.85 lakhs.
You can avail up to 100% of the two-wheeler cost (subject to terms & conditions), reducing the need for a heavy upfront payment.
Choose a repayment tenure of up to 5 years, allowing you to repay the loan comfortably with affordable EMIs.
Enjoy fast approvals and minimal documentation. Your two-wheeler loan is processed smoothly and disbursed quickly.
Owning a two-wheeler helps you avoid crowded public transport, keeping you safe and reducing exposure to infections.
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:
Keep these loan-on-bike documents ready in advance for a hassle-free process.
A co-applicant is required if the applicant's age is 18 to 20 years. A co-applicant can also be added for:
Say goodbye to lengthy loan paperwork. Only the application form is required. All other activities—document submission to loan disbursal—can be completed digitally.
Choose repayment options such as e-mandate, post-dated cheques, or online EMI payments for maximum convenience.
Enjoy some of the best two-wheeler loan interest rates in the industry, customized to match your financial comfort.
Get instant two-wheeler finance with minimal documentation for a seamless experience.
Tata Capital can finance up to 100% of your bike’s value (subject to conditions), making ownership easier.
Our competitive interest rates make EMIs more affordable—ideal if you want to upgrade to a better bike.
Enjoy a super simple process—check your eligibility, submit your form, upload proofs, and get quick approval.
Get loan amounts up to ₹5 lakhs so you can comfortably purchase the two-wheeler you truly want.
Clear, simple answers to help you understand Tata Capital’s Two Wheeler Loan process.
Visit the nearest dealership, choose your bike, meet the Tata Capital representative, check eligibility, submit required documents, and upon verification, the loan is sanctioned and disbursed to the dealer.
You can avail up to ₹5 lakhs. Eligibility-based loan amounts range from ₹25,000 to ₹2.85 lakhs.
Loan tenure ranges from 6 months to 60 months depending on the vehicle model.
A flat rate of 10.75% equals approx. 19.50% IRR. Flat rate is calculated on total loan amount; IRR is calculated on reducing balance.
If disbursed on/before 15th → EMI on 4th of next month. If disbursed after 15th → EMI on 4th of next-to-next month.
No. The purchased bike itself acts as the security.
A good credit score increases approval chances and helps secure better interest rates.
Generally around 20 minutes once all documents are submitted.
Processing Fee: Up to 4% + GST
Documentation Charges: Up to ₹1999 + GST
PDD Charges: ₹500 + GST
NOC is dispatched within 5 working days after loan closure. CIBIL updates within 30 days.
A score of 750+ is preferable for smooth approval.
Yes. Requirements:
• 1 year residential stability
• 1 year employment stability
• Age 21–60 years
It gives accurate EMI estimates instantly, helping you plan monthly budgets effectively.
Standard EMI plan where EMI remains fixed every month.
Maintain a good credit score, pay higher down payment, choose shorter tenure, and maintain timely repayment history.
Yes. Tata Capital offers 80%–100% funding based on eligibility (loans up to ₹5 lakhs).
Applicants 21–65 years do not require a guarantor. Applicants aged 18–20 must have a co-applicant.
Yes, you can prepay. Some lenders may apply a prepayment fee depending on loan terms.