Two-wheelers are the backbone of daily personal commuting and commercial gig-economy delivery fleets across India.

1. Interest Rates & Tenure

Two-wheeler loans range between 9.5% to 18% per annum, with tenures typically spanning 12 to 48 months. Paying at least 20% down payment ensures low monthly EMIs of ₹2,500 to ₹4,000.

2. What is RTO Hypothecation (HP)?

When you finance a motorcycle, the lender holds a legal hypothecation charge recorded on your Vehicle Registration Certificate (RC). Once the loan is fully paid off, you must obtain Form 35 and an NOC from the bank to remove the hypothecation at the RTO.

Calculate your motorcycle EMI using our Bike Loan Calculator.