Tata Capital Two-Wheeler Loan

Owning a bike brings freedom and convenience, helping you travel faster and save time every day. With a Tata Capital Bike Loan, you can bring home your dream two-wheeler without financial stress. You can get up to ₹5 Lakhs at interest rates starting from 12.50% p.a., with quick approval and flexible EMIs to match your budget. Whether you’re buying your first bike or upgrading to a newer model, this loan helps you ride ahead with confidence and ease.

The EMI calculator offered by Tata Capital lets you estimate your monthly instalment before applying for a two-wheeler loan. You just input three key values, and the tool gives you instant clarity on how much you’ll pay each month.

Here’s how to use it step by step:

1. Enter the loan amount (principal) you intend to borrow

2. Input the annual interest rate applicable to your profile

3. Select your preferred repayment period, expressed in either months or years

4. The calculator then displays your monthly EMI, total payable amount, and total interest cost 

5. You can tweak any input—say a longer or shorter tenure—to see how your EMI changes

Tata Capital’s calculator uses a standard amortisation formula (the reducing-balance method) to compute the EMI. The formula is:

EMI = EMI = P × R × [(1 + R)N / ((1 + R)N - 1)]

Where:

• P = principal (loan amount)

• R = monthly interest rate (i.e. annual rate / 12)

• N = total number of monthly instalments

This ensures that each EMI is equal, though the portion toward interest gradually decreases and the portion toward principal increases over time

Buying a bike is easier when your loan aligns with your budget and lifestyle needs. Here are the key benefits of a Tata Capital Bike Loan:

Fast Approval and Quick Disbursal

Get your loan approved and disbursed within hours after document verification, so you can buy your bike without delay.

High Loan Amounts up to ₹5 Lakhs

Finance any model you want with loan amounts of up to ₹5 Lakhs, whether it’s a commuter bike or a premium ride.

Low Interest Rates from 12.50% p.a.

Enjoy affordable EMIs with attractive interest rates that keep your repayment stress-free throughout the tenure.

Up to 100% Bike Financing

Cover up to the full value of your two-wheeler, minimising the need for a heavy down payment.

Flexible Tenure up to 5 Years

Choose a repayment period that suits your budget and comfort, with flexible EMIs spread over up to 5 years.

Simple Online Application

Complete the entire process online—from application to approval—with minimal paperwork and quick digital verification.

Transparent Charges and Easy Tracking

Stay informed with clear fee details and real-time tracking through Tata Capital’s online portal or mobile app.

Here is how you can apply for a Tata Capital Bike Loan easily and get quick approval with minimal effort:

Online Application

Applying online is the fastest and most convenient way to get your loan approved:

1. Go to the official Tata Capital website and navigate to the bike loan page

2. Select ‘Apply Now’ to access the online application form

3. Fill in your personal, vehicle, and income information carefully

4. Upload the necessary documents online for instant verification

5. Submit your application and await a prompt update from the Tata Capital team

Offline Application

If you prefer personal assistance, you can visit a nearby Tata Capital branch:

1. Meet a loan representative and discuss your requirements

2. Check your eligibility for the desired loan amount and tenure

3. Provide necessary documents such as ID proof, address proof, and income proof

4. Fill in the application form and confirm your preferred loan amount and repayment period

5. The representative will process your application after document verification

Both online and offline options offer a quick, transparent, and hassle-free experience. You can choose the method that suits you best and get your bike loan approved without delay.

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