✓ Attractive Interest Rates ✓ Repayment Tenure of up to 3 Years ✓ Smooth Online Process  Apply Now

There are quite a few options available in the affordable two wheeler loan categories. It is crucial to make an informed decision and choose one that suits your monthly financial budget. Interest rates and monthly EMI are the deciding factors here, so it’s important to choose a bank that fits your needs.

Kotak Mahindra Prime is one of India's fastest-growing financial organizations offering two wheeler loans to customers. So, if you are in the market looking for the best loan to buy a new two wheeler or replace your old one, check out the details of the Kotak Mahindra Prime Two Wheeler Loan here. 

Kotak Mahindra Prime Two Wheeler Loan Interest Rate

One can easily apply for two wheeler loans these days as it's possible to conveniently pay off the monthly installments. One needs to know that the two wheeler loan interest rate can directly affect the EMI hence even the smallest change in the interest rate can have a major impact on the EMI. Therefore, interest rates can play a key role in two wheeler finance.  


Moreover, it is imperative to understand what factors affect the interest rates before you apply for your dream bike loan. Factors like your income, age, location, down payment, and credit score play a key role in determining your bike finance interest rate. Hence, it’s essential to understand all these details to make the process simpler and less time-consuming.  The interest rate starts from 8.75%.



Interest Rate

8.75% p.a. onwards

Maximum Loan Amount

100% of the bike's value

Maximum Loan Repayment tenure

4 Years

Kotak Mahindra Prime Two Wheeler Loan Features & Benefits

  • Loan Amount:

The minimum loan amount is ₹ 25,000 and can be availed without any hassles. 

  • Funding:

A maximum funding of up to 100% can be availed on the road price to buy a new two wheeler with an extended loan tenure of 12 to 48 months. 

  • Minimal Processing Time:

You can get a Kotak Mahindra Prime two wheeler loan within just 24 hours of completing all the documentation. 

  • Simple Procedure:

You can have a quick and easy loan disbursement experience with very minimal documentation. 

KMPL Two Wheeler Loan Eligibility Criteria

To avail of a KMPL two-wheeler loan, you must meet certain eligibility criteria. These are quite basic in nature and differ for salaried and self-employed individuals.

Eligibility Criteria


Minimum Age 

18 years 

Maximum Age 

65 years 



Minimum Income Requirement 

₹ 15,000 per month 

Documents Required for KMPL Two Wheeler Loan

Here is a complete list of the documents required for a salaried and self-employed individual to apply for a Kotak Mahindra Prime Two Wheeler Loan: 



Self Employed

Application form 



Latest salary slip 


Not required 

Statement of account for the last 3 months 



Valid Residence proof 



Valid Identity proof 



Verification of signature 




Not required 


Partnership deed 

Not required 

Not required 

Authority letter 

Not required 

Not required 

One signed photograph 



RC Copy 



Copy of Insurance 



Kotak Mahindra Prime Two Wheeler Loan EMI Calculator

You can use the Kotak Mahindra Prime Two Wheeler Loan EMI online calculator to calculate the monthly EMI. Just follow the simple steps such as entering your principal amount, interest rate, and loan tenure in the online calculator and clicking on ‘Calculate’. After entering the information, the website will display the monthly EMI along with the total interest you have to pay on your bike. It is advisable to calculate your EMI and compare it with other two wheeler loan schemes offered by different financial institutions before finally selecting the one that will suit your budget and help manage your finances.

** The above charges are excluding taxes
* Placeholder for disclaimers on Interest and Charges page
 **These are indicative and subject to change at the discretion of lender/ without prior notice.

How to Apply for Kotak Mahindra Prime Two Wheeler Loan

  • Step 1: Visit the Automobile Loan application page on the Bajaj Markets website by simply clicking here

  • Step 2: Enter your mobile number and date of birth. 

  • Step 3: Now enter all the required information, including name, employment type, bike's make and model. 

  • Step 4: Browse through the offers as per your eligibility. 

  • Step 5: Submit your application. The loan representative will get in touch with you for further processing of your application. 

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Kotak Prime Two Wheeler Loan Processing Fees & Charges

Kotak Prime Loan Particulars

Fees and Charges

Delayed or Late Payment Charges (Monthly)


Contract Cancellation (not including foreclosure and prepayment interest) at the request of the Borrower and agreed upon by the Lender


Dishonour charges per clearing mandate


Duplicate NOC Charge


Processing Fees


Benefits of Availing a Kotak Mahindra Prime Two-Wheeler Loan

By availing a two-wheeler loan from Kotak Mahindra Prime, you can enjoy several benefits. Some of them are highlighted below.

  • Loan Amount:

You can avail of a minimum loan amount of ₹ 25,000 without any inconvenience or hassles.

  • Up to 100% Financing:

You can get up to 100% funding of the on-road price of the two-wheeler, while the repayment period (tenure) can range from 12 months to 48 months.

  • Minimal Processing Times:

After submitting the documents, your loan application can be processed – and approved – within just 24 hours.

  • Simple Procedure:

By submitting minimal documentation, you can enjoy quick loan disbursals while the entire loan application process is simple and hassle-free.

Kotak Mahindra Bank Limited Contact Details

If you have any other questions or concerns regarding a two-wheeler loan application or wish to know the status of your application,  you can get in touch with a representative from Kotak Mahindra Prime Limited (KMPL) by calling on 1800-209-5732.

Alternatively, you can send an email to tw.loans@kotak.com


 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.

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FAQs on Kotak Mahindra Prime Two Wheeler Loan

To check your two-wheeler loan details, you can log into your account either through net banking or mobile banking. You can then navigate to the ‘Loans’ tab and select the active loan. This will display all the details pertaining to your two-wheeler loan.

It takes about 24 hours.

The applicant must be between 18-65 years.

 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.

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