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Get a Muthoot Capital two-wheeler loan of up to ₹3 lakhs with interest rates starting at just 0.99% p.a. and repayment tenures of up to 4 years. Experience hassle-free processing and low EMI with Muthoot Capital bike loan today!
Starting Interest Rate
Max. Loan Amount
Max. Tenure
Looking to buy your dream bike without stretching your budget? The Muthoot Capital Two-Wheeler Loan makes it easy and affordable. Backed by Muthoot Capital Services Ltd., a trusted NBFC from the Muthoot Pappachan Group, this loan offers up to ₹3 lakhs with interest rates starting at just 0.99% p.a. and repayment tenures of up to 4 years.
Whether you’re a first-time buyer or upgrading your ride, the Muthoot Capital bike loan gives you a smooth and hassle-free experience with:
Quick approvals
Low EMIs
Minimal documentation
No collateral required
Here's a quick look at the key charges:
Charge Type |
Details |
|---|---|
Interest Rate |
From 0.99% p.a.* |
Processing Fee |
2% to 4% of loan amount + GST |
Late Payment Charges |
2% per month on overdue EMI |
Loan Cancellation Fee |
₹350 |
Rescheduling Fee |
₹750 |
NOC Fee |
Free once, ₹100 thereafter |
Collection Charges |
₹450 |
Stamp Duty |
As per state law |
Prepayment/Foreclosure Charges |
4% |
Charges for Bounced Cheque |
₹500 per bounce plus applicable taxes |
Repayment Instrument Dishonour Charges |
₹1,000 + GST |
*Disclaimer: Rates may vary based on your credit profile.
Secure amounts as high as ₹3 Lakhs and purchase a two-wheeler of your choice
Get up to 100% of the bike’s on-road price, and own the two-wheeler with zero down payment
Interest rates charged on these loans start at just 0.99% p.a.
Save on your borrowing costs with a low processing fee, ranging from 0% to 4% of the loan amount
You need to meet the following criteria to apply:
Age: Between 18 and 65 years
Income:
Salaried: ₹96,000+ per year
Self-employed: ₹1.2 lakhs+ per year
Job Stability: Minimum 6 months for salaried
Residential Stability: 1 year at current address
Here’s what you’ll need:
ID Proof: Aadhaar, Voter ID, Passport, or Driving License
Address Proof: Any of the above, ration card, or utility bill (telephone, gas, electricity), LIC policy
Income Proof: Bank statements, ITR, salary slip, or Form 16
Asset Proof: Property tax receipt, land/building documents
Photos: Recent passport-size photograph
Want to plan your monthly budget? Use our bike loan EMI calculator online. Just enter your loan amount, interest rate, and tenure to get your exact EMI instantly.
Follow these simple steps to apply for a Muthoot Capital bike loan on Bajaj Markets:
Click on the ‘CHECK OFFER’ option on this page
Provide your personal and bike-related details
Select ‘Muthoot Capital’ from the list of lenders
Compare the loan offers available and select the preferred one
Submit the application form
Following this, an executive will reach out to you for further proceedings
That’s it—no heavy paperwork, no running around.
Stay updated on your loan status using any of these options:
Online: Log in to the website/app with your registered mobile number.
Customer Care: Call 1800 102 1616 with your loan account number.
Email: Write to customercare@muthoot.com with your loan details.
Visit Branch: Go to any nearby Muthoot Capital branch.
Need help with your loan, EMIs, or payments?
Toll-Free Number: 1800 102 1616
Email: customercare@muthoot.com
Working Hours: Mon–Sat, 9:00 AM to 6:00 PM (except public holidays)
They can help you with Muthoot Capital two-wheeler loan online payment, interest queries, EMI plans, and more.
You can borrow up to ₹3 lakhs, depending on the cost of the vehicle, your eligibility, and repayment capacity. In many cases, Muthoot offers 100% financing on the ex-showroom price of the bike.
Muthoot Capital provides up to 100% financing, which means in some cases, no down payment is required. However, depending on the model and your credit assessment, a minimum margin may be applicable.
The processing fee ranges from 2% to 4% of the loan amount, subject to applicable GST. This is a one-time, non-refundable fee charged at the time of loan disbursal.
The loan repayment tenure is flexible, ranging from 12 to 48 months. You can choose a tenure that best aligns with your financial planning and income flow.
You can repay your EMIs using the following options:
Auto-debit through NACH (National Automated Clearing House)
Online Payment via Net Banking or UPI
Mobile Wallets or Debit Cards
Physical payment at branches
Ensure timely payments to avoid penalty interest or cheque bounce charges.
Generally, a guarantor is not required if you meet the standard eligibility criteria. However, for higher loan amounts or lower credit profiles, Muthoot Capital Services Ltd. may request a guarantor or additional asset proof as part of the risk mitigation.
Muthoot Capital is known for its strong customer service infrastructure. You can contact them via toll-free phone support, email, or by visiting a branch. They offer multilingual support, timely grievance redressal, and personalized assistance across all loan servicing needs.
Yes, you can use the Muthoot Capital EMI calculator available online. Just enter the loan amount, interest rate, and tenure to instantly compute your monthly installment. This helps in financial planning before applying.
Absolutely. Muthoot Capital two-wheeler loans are available through a completely digital application process. You can apply for this loan by clicking on the “CHECK OFFER” button available on this page.
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