Two Wheeler Loan Requirements

  • 4 Step Documentation
  • Flexible Loan Schemes
  • Quick Disbursal
  • Hassle-Free Bike Finance
  • Attractive Interest Rates Starting At 0.99%

Documents Required for Two-wheeler Loan

Availing of a two-wheeler loan is the most straightforward process as it involves significantly less documentation and minimum eligibility criteria. The two-wheeler loan documentation to be furnished are your ID proofs, Address proofs and Income proofs which you need to submit online or at the Muthoot Capital branch, along with the filled application form.

Two-wheeler loans are the most convenient options for financing a two-wheeler at affordable EMIs. You do not have to worry about taking extra financing to get your dream bike with bike loans, and you can use the bike and repay the loan within four years at affordable instalments that fit your bill.

Type of Documentations Required for Two-Wheeler Loan

Muthoot Capital’s bike finance documentation are minimal and concise. There is no heavy paperwork involved. To apply for a two-wheeler loan, you just need to provide the required documents to support your eligibility.

The documentation requirements for a two-wheeler loan are

Photo Identity Proof:

  • Aadhaar Card/PAN Card/Voters ID/Passport/Driving License

Address Proof:

  • Latest Electricity Bill/Latest Phone Bill/Latest Bank Passbook reflecting the current address/LIC Policy/Property Documents/Water Bill/Ration Card

Income Proof (as applicable based on loan requirements and scheme)
Salaried Persons:

    • Payslips/Firm 16
    • IT
    • Bank Statement


  • Latest ITR
  • Bank Statement

Photo Proofs

Recent passport six photographs

Gathering these documents together before filling the loan application process will help you accelerate the loan process.

What is the Eligibility Criteria for Applying Two Wheeler Loan

The eligibility requirements for two-wheeler loans at Muthoot Capital are:

  • Minimum age of 18 while applying for the loan
  • Maximum age of 65 years at the time of loan maturity
  • Salaried Individuals: Individuals earning an annual income of INR 96,000 or above
  • Self-employed Individual: Minimum annual profit of INR 1,20,000.

Make sure to keep your original documents and photocopies of the two-wheeler loan documentation while visiting the branch. If you are applying for the loan online at Muthoot Capital’s website or mobile application, you just need to upload the scanned copies of the above documents from your image gallery.

We believe in making your dream come true. Hence, we offer the lowest eligibility criteria that one can quickly satisfy. The eligibility criteria are devised so that everyone can own a bike without burdening their current finances.

Tips for Getting Instant Loan with Minimum Documentation

We offer swift loans with minimal documentation. You can get an instant two-wheeler loan if you follow the below tips:

Apply Online

Apply for a bike loan in just 4 to 5 clicks at the comfort of your home using the Muthoot Capital website or mobile app. Applying online helps you get loan approvals quickly as your submitted loan documents are verified through digital processing. Actually, you save the time taken to take photocopies of the two-wheeler loan documentation and travel to the branch as well.

Check your Eligibility Criteria

The lending institution considers your two-wheeler loan eligibility criteria to grant the loan. If you clear this prerequisite, then your application will be processed quickly.

Calculate EMI Before Applying for the Loan

Calculating your monthly EMI and the tenure of your choice according to your budget will help you quickly fill in the loan required loan details and process the application.

Have Your Documents Ready

Collate the two-wheeler loan documentation in advance and prepare scanned copies or photocopies before applying for the loan. Many of us hesitate to apply for a loan, thinking the loan process is cumbersome and time-consuming. It is not the case with Muthoot Capital.

Muthoot FinCorp Branches

If you have been searching ‘two wheeler loan near me’, we are here to serve you. Find your nearest branch and pay us a visit!

  • Muthoot FinCorp Ltd.
    No 46/423B, 1st Floor, Goodshed Road, Fly Over Jn
    Thalassery – 670101
    Near Sangamam Auditorium
    Open until 05:30 PM
    Map Website Apply Now
  • Muthoot FinCorp Ltd.
    Jagannath Shankar Sheth
    488/B, Ground Flr, Matru Kripa Building, H Marg
    Mumbai – 400002
    Near Rajesh Farsan Mart
    Open until 05:30 PM
    Map Website Apply Now
  • Muthoot FinCorp Ltd.
    Cox Town
    No 107, 1st Floor, Wheeler Road
    Cox Town
    Bengaluru – 560005
    Opposite Indian Gymkhana Ground
    Open until 05:30 PM
    Map Website Apply Now

Find Muthoot FinCorp Two Wheeler Loan Branch near you – Locate Now

Two Wheeler Loan Requirements FAQs

Only submit basic documents like your photo ID proof, passport size photographs, residence proofs and payslips, and bank statements to apply for a bike loan. (Or) There is no documentation required to determine your bike EMI. You can use a free two-wheeler loan EMI calculator directly without registering with us. The calculator will display your monthly instalments according to the loan amount, interest rate and tenure.

Click the apply now button and fill the online application form once you upload the scanned copies of documents and apply. We will contact you with the best schemes curated for you.

Two-wheeler loans have minimal two-wheeler loan eligibility criteria. You need to be a minimum age of 18 when you apply for the loan and less than age 65 when tenure ends. Your annual income should be above INR 96,000 if salaried, or you should have a profitable business returning a yearly profit of INR 1,20,000.

Yes, income proofs are one of the documentation requirements for a bike loan to avail best offers, however, it is not mandatory. You will have to submit your bank statements and payslips as income proofs to avail a bike loan.

Blue Soch Stories

First-hand account of customer experiences

Muthoot Capital Customer Reviews:Radhakrishnan

Radhakrishnan is a tea/coffee distributor. Initially, he used to distribute tea in the market by walking everywhere. Walking from one place to another place took a lot of time and then he upgrader to a cycle.


Tea / Coffee Distributor

Muthoot Capital Customer Reviews: Ilankovan

My Name is Ilankovan. I acquired this two-wheeler loans with Muthoot Fincorp which was a trouble-free process. Muthoot assisted me to own this scooter I am contentedly driving this scooter also I pay my dues regularly without any problem.


Shop Owner

Muthoot Capital Customer Reviews: Rajkumar Sarkar

My name is Rajkumar Sarkar and stay in Laketown, Kolkata. My family includes me, my wife and our son, I have also a small car rental business. My son studies in the school, & I have to drop him and pick him up from the school.

Rajkumar Sarkar

Car Rental Business

Muthoot Capital Customer Reviews: Chaaya Sanjay Bhilare

My name is Chaaya Sanjay Bilhare, I live in Kasa Ambori Taluka, of Pune District. I own a shop named “Devman” which we started on Gudipadwa (Maharashtrian New Year). I wanted to buy a two-wheeler for my business like this but was unable to buy.

View All Stories

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