Kotak Mahindra Prime Two Wheeler Loan - Interest Rates, EMI Calculator & Eligibility

✓ Interest Rates Starting @ 0.99% p.a. ✓ Up to 100% Financing ✓ Repayment Tenure of up to 4 Years Check Offer

If you are looking to purchase a bike, a Kotak Mahindra Prime Two-wheeler Finance may be a great option. It can help you borrow up to 100% of the bike’s on-road value, including registration charges and so on.

Repay the loan at your convenience over tenures ranging up to 2 years to enjoy riding your preferred bike.

Kotak Mahindra Bike Loan Interest Rate 2025 & Their Charges

Here are the Kotak Mahindra bike loan interest rates and associated charges of the loan that you need to know about:

Interest Rate	Up to 32% p.a.
Prepayment Charges	5.21% of outstanding loan amount + GST
Maximum Loan Amount	100% of the two-wheeler value
Minimum Loan Amount	₹25,000
Processing Time	Up to 24 hours post -documentation
Dishonour charges per clearing mandate	₹750

*Disclaimer: The interest rate and charges mentioned above are subject to constant change. Check the details with the lender prior to making any financial decisions.

Kotak Mahindra Two-wheeler Loan EMI Calculator

Using a bike loan EMI calculator simplifies the process of determining your monthly instalments. By entering the loan amount, interest rate, and tenure, you can easily compare options. Try Kotak’s online EMI calculator for quick and accurate results.

Loan Amount

Tenure

Rate of Interest

Your Monthly Two Wheeler Loan EMI

Principal Amount

Total Interest

Total Amount Payable

Amortization Schedule

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Year	Payable Amount	Principal	Interest	Balance

Features and Benefits of Kotak Bank Bike Loan

Here are some exclusive benefits of Kotak bike loans that you can get when applying for a bike loan.

100% Funding

With an LTV of up to 100%, fund the entire two-wheeler purchase with the help of Kotak Mahindra Prime Two-wheeler Finance

Quick Processing

Your loan application is processed within 24 hours of completing the documentation process

Easy Application

Apply for this loan anytime, anywhere, through the official Kotak Mahindra Prime website

Flexible Tenure

Repay the loan over tenures of up to 2 years

Minimum Loan

A minimum sum of ₹25,000 is available

Eligibility Criteria and Documents Required for Kotak Two-Wheeler Loan

To opt for this Kotak 2-wheeler loan, you have to meet the eligibility criteria listed below:

You need to be under the age bracket of 18 to 65 years
If salaried, you need to have a minimum monthly income of ₹15,000
If self-employed, you need to have been running the business for at least 1 year and have a monthly average bank balance of ₹5,000

In addition to these criteria, you may also need to furnish some documents when applying for this loan. These are as follows:

Application form
Latest salary slips (for salaried applicants)
Statement of account of the last 3 months
Valid residence proof
Valid identity proof
Verification of signature
ITR (for self-employed applicants)
One signed photograph
RC Copy
Copy of Insurance

Aside from these, you have to submit some additional documents as well. Check the complete list of documents required with your lender before applying for the loan.

How to Apply for a Two-wheeler Loan from Kotak Mahindra Bank

Follow these simple steps to apply for a Kotak Mahindra Prime Two-wheeler Finance:

Visit Kotak Mahindra Prime Limited’s official website
Navigate to the ‘TWO-WHEELER FINANCE’ section and click on ‘APPLY NOW’
Enter your personal details like name, mobile number, email, and so on
Enter the captcha code displayed on the screen
Agree to the declaration and click on ‘Submit’
After this, the lender will verify your application. A representative will soon contact you for further proceedings.

DISCLAIMER

The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

Two Wheeler Loan Providers

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What is the age limit to apply for a Kotak Mahindra Prime Two-wheeler Loan?

The applicant has to fall under the age bracket of 18 to 65 years to apply for a two-wheeler loan from Kotak Mahindra Prime.

Is a specific CIBIL score required to get a bike loan from Kotak Mahindra Prime?

While there isn’t a minimum credit score requirement, it is advisable to have a credit score of more than 720 while applying for a bike loan.

How much can I borrow with a Kotak Mahindra Prime Two-wheeler Loan?

You can borrow amounts of up to 100% of your bike’s on-road value with this loan. However, the amount offered to you will depend on your eligibility.

Does the maximum loan amount depend on my salary?

Yes. The loan amount depends on your salaried income if you are employed. The higher the salary is, the more amount the lender will sanction.

Will I get a loan if I want to buy an electric bike?

Yes. You can get a loan from different banks to buy electric bikes. However, Kotak Mahindra Bank does not sanction a loan for electric bike purchases.

How do I increase my loan eligibility?

To increase the criteria for your loan eligibility, you can follow these tips:

Improve your credit score
Increase your income
Reduce your debt-to-income ratio
Avoid multiple loan applications at once

Can I get a zero down payment 2-wheeler loan from Kotak Mahindra Bank?

Yes. You can claim a zero down payment loan for a two-wheeler purchase from Kotak Mahindra Bank. The bank provides 100% financing on your bike without the need for a down payment.