Drive your Dreams with Two Wheeler Loans up to 100% Financing

  • Interest Rates Starting @ 0.99 %* P.A.
  • Instant Approvals Within 15 Minutes
  • Two wheeler loan of up to 100%* of on-road price
  • Safe & Secure Digital Application & Disbursal Process

Two Wheeler Loan

Owning a bike or scooter has become an essential part of daily life, especially in cities, which provide quick and easy transportation. However, buying a two-wheeler can be a challenge for many, especially considering the rising prices of motor vehicles.


Muthoot Capital Two Wheeler Loan provides the best services that are designed for India.

The process is easy and customer friendly. With minimal documentation and instant KYC, customers can easily apply for instant bike loan online through a completely digital process. The interest rates offered are also competitive, making it easy for customers to repay their scooter loans. The best part is that collateral is not required, making the whole process even more accessible.

Two Wheeler Loan Interest Rates  0.99%* p.a. onwards
Loan Amount Up to ₹3 Lakh
Loan Processing Fees Up to 4% plus applicable taxes
Lowest EMI per month Starting from ₹5,083* per Lakh for 20 months
Loan Tenure Up to 20 months
Maximum Repayment Tenure Up to 48 Months*
Late Payment Charges 2% per month
Cheque Bounce Charges ₹500 per bounce plus applicable taxes
Stamp Duty At actuals (as per state)
No Other Hidden Charges


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Limited Period Two Wheeler Loan Scheme Offers

Two Wheeler Loan Scheme for Women

Two Wheeler Loan Scheme for Women

Two Wheeler Loan Scheme for Salaried Professionals

Two Wheeler Loan Scheme for Salaried Professionals

Two Wheeler Loan Scheme for Government Employees

Two Wheeler Loan Scheme for Government Employees

Two Wheeler Loan EMI Calculator


Key Benefits and Features of 2 Wheeler Loan

Flexible Repayment

Flexible Repayment

Flexible repayment options, ranging from 12 to 48 months

Special Schemes

Special schemes

Special schemes to suit your needs

Attractive Interest

Attractive interest

We offer attractive interest rates on Two-Wheeler Loans

Quick Approval

Quick approval

Get quick approvals with minimum paperwork

Hassle Free Loans

No income base

Receive two wheeler finance on income proof, without income proof or on an asset

Hassle Free Loans

Hassle free loans

Quick and convenient processing

Easy Documentation

Easy documentation

Easy and simple documentation

Loans Upto 100%

Loans upto 100%

We provide 2 wheeler loans up to 100% for specific models under specific schemes*

Low Down Payment

Low Down Payment

Low Down Payment/EMI schemes to suit the customer’s financial requirement

No hidden charges

if the customer takes from dealership, he needs to pay additional, which would not be in case of MFL sourcing

Best Two Wheeler Loan Eligibility Criteria

In order to find out if you meet our best two wheeler loan eligibility, you have to fulfill only a few conditions after which we process your loan


Salaried or self-employed persons.


Age between 18 (at the time of application) and 65 (at the end of the loan tenure)


Minimum net income of Rs.96000/- p.a. for salaried profile / net profit of Rs. 1,20,000/- p.a. for self employed profile

Apply Now

Documents Required For Two Wheeler Loan

  • Valid identity proof:

    Any one of passport / Aadhaar card / voters ID card / driving license / PAN card

  • Income proof:

    ITR / form 16 / pay slip / salary credit in bank statement

  • Asset proof:

    Latest land / building / house tax reciept

  • Valid address proof:

    Any one of passport / Aadhaar card / voters ID card / driving license / telephone bill / electricity bill / gas connection bills / ration card/ LIC policy

  • Photo proof:

    Recent passport size photo

Muthoot Online Payment Options

Pay Via Websites For Two Wheeler & Second Hand Car Loan

Pay EMI Via Website

Pay your EMI using our website anytime, anywhere.

Pay Now
M Power For Two Wheeler & Second Hand Car Loan

Instant Two wheeler loan EMI Payment App

Get instant access to your loan details and pay EMI easily.

Download App

2 Wheeler Loan Interest Rate Charges & Processing Fees

There are some charges that are levied over and above the interest rates when you take a 2 wheeler loan.

  • The processing charge is levied by the two wheeler finance company as a percentage of the loan amount sought. It is applicable at the time of application.

  • Foreclosure charges are levied when you close the loan before the due date. The best two-wheeler loan also charges a nominal amount for foreclosure.

    • Two Wheeler Loan Interest Rates
      0.99% pa* Onward
    • Maximum Repayment Tenure
      48 months

    *Processing fee and documentation charges applicable as per scheme

How to Get Scooter Loans Online Instantly?

There are some dos and don’ts while applying for a scooter loan. You should be aware of some simple guidelines while applying for an online best bike loan.

  • You should ascertain the exact amount of the loan you require. Assess your needs and apply to get the best loan for your bike
  • Check your eligibility and explore options on the loan EMI calculator. Choose the tenure and down payment options that suit you best to create an easy repayment plan.
  • It is important to fill the application form correctly. An incomplete or wrongly filled form can be the cause hassles for you. Take the help of your customer care representative to complete the process.
  • If you are still not eligible for the 2 wheeler finance of a scooter or bike, take the help of a guarantor or co-applicant to increase your chances of loan approval.

How to Apply for Two Wheeler Loan Offline?

Applying for a Two Wheeler Loan Offline with Muthoot Capital is very simple.

  • Firstly, you need to call our representative or visit our branch office.
  • Secondly, our customer care executive will guide you through the process of applying for a Bike loan, and you have to fill up the application form.
  • Lastly, you will be asked to submit a few documents- Valid Identity Proof, Income Proof, and Valid Address Proof to initiate the application.
  • After all the formalities, you will be notified with approval, and within 1-2 working days.

Why should you choose a Muthoot Capital two-wheeler loan?

A Bike Loan can be a great help for buying your favourite two-wheeler. Muthoot Capital Two Wheeler Loan is the best platform to avail a Bike Loan. The easy procedure and instant Loan approvals bring you the best experience.

Here are a few reasons why you should choose a Muthoot Capital Two Wheeler Loan to get funds to buy a new bike.

  • Loan up to 100% of on-road price
  • Quick Approval
  • Quick and Convenient Process
  • Flexible repayment options, ranging from 12-48 months
  • Attractive Interest
  • Easy Documentation
  • No Income Base (two wheeler finance on income proof, without income proof or on an asset)
  • Low Down Payment

You can visit the official website or the retail loan branch for more details. However, a few more questions are answered in the 2 wheeler FAQs. Go through them to clear your doubts.

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 16/1551K, 1st Floor, P T Jacob Rd, Kanankulathu
    Ernakulam – 682005
    Open until 05:00 PM
    Map Website Apply Now
  • Muthoot FinCorp Ltd.
    Dilshad Garden
    Plot No 4, No 488/6, Ground Floor, Block West
    Dilshad Garden
    New Delhi – 110095
    Near Radha Krishna Mandir
    Open until 05:30 PM
    Map Website Apply Now
  • Muthoot FinCorp Ltd.
    No 5P/29, 1st Floor, Mittal Complex, P Block, Main Market
    Faridabad – 121001
    Above Indian Overseas Bank
    Open until 05:30 PM
    Map Website Apply Now

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

Frequently Asked Questions

Two wheeler loan is a type of loan that is specifically designed for people who wish to purchase a two wheeler vehicle such as a motorcycle or scooter.

A zero down payment bike loan is a secured loan in which the lender will cover the whole cost of the two-wheeler of your choice, whether it’s a basic model or a high- end one, without needing you to pay anything up front. Muthoot Capital will finance 100% of the value of your two-wheeler, allowing you to buy your dream bike on EMI with no down payment. This service is especially beneficial if you’re short on funds or don’t want to deplete your savings to make a down payment.

You can apply for a two wheeler loan online by clicking on the” Apply Now” icon on our site. Just fill the drop-down form, check your eligibility and make an estimate about the EMI you can afford. Our representative will call you to guide you through the process. Alternatively, you can drop in to any of our Muthoot Fincorp branches across the country or Call Us at 1800 102 1616 and apply for the best bike loan offline.

You can apply for a two wheeler vehicle loan by clicking on Apply Now or visit a Muthoot Blue branch near you to initiate the loan. The loans for motorcycles come with many benefits.

  • It does not create a burden on you. You do not need a large amount to buy a bike. A Muthoot Capital two wheeler loan frees you to use the money in your bank for any other purpose like medical emergencies. You can pay the amount in small EMI’s over up to 5 years at a nominal interest rate.
  • Your credit score becomes healthy if you keep paying your EMIs on time. If you do not have a credit history it is the best way to do so.
  • Muthoot Capital Services Ltd. offers income-based, asset-based and non-income based finance options.

Parameter Bike Loan Personal Loan
Down payment Approx 10 to 20 % of the on-road valuation of the vehicle. No down payments needed.
Rate of interest Starts @ 0.99% onwards.  Starts @ 11% onwards. 
Repayment tenure Can go up to 7 years. Ranges between 6 months to 5 years.
Processing Time Instant Approval 1 - 2 working days*
Required Documents
  • Identity proof
  • Address proof
  • Age Proof
  • Last 3 months salary slips
  • Last 3 months bank statements
  • Identity proof
  • Address proof
  • Age Proof
  • Last 6 months salary slips
  • 6 months bank statements
Lenders Only from Banks or NBFCs Banks, NBFCs or online lenders

You can use our mPower App to make your repayments. You can consider NACH or the National Automated Clearing House to remit Monthly Instalments when opting for two wheeler finance. You can also download Muthoot Capital Services application from the Google Play Store and pay the EMI for the bike finance you opted through Net banking, UPI or debit cards as comfortable.

Through following the simple steps and submitting a few necessary documents, your application will go for approval. If you meet the eligibility criteria, you will be notified of the approval within minutes, and the amount will be disbursed within 24 working hours.

Getting a Two Wheeler Loan Online has become so convenient with digital expansion. You do not need to stand in a long queue or wait for months for the approval of the loan. You can visit the official website of Muthoot Capital and apply for an instant two-wheeler loan within minutes.

Muthoot Capital has mentioned certain eligibility criteria on their website. You need to meet those requirements. An applicant should be at least 18 years of age (at the time of the application) or more than 65 (at the end of the tenure). Your annual income should be at least 96,000 per annum. If you own a business and buy the bike against that, the annual profit should be at least Rs. 1,20,000.

A two-wheeler loan is a smart way to purchase your dream bike. However, a few people believe in buying it through savings, but spending your entire savings in one go is not advisable. You must keep a significant amount with you to cover unforeseen expenses. The two-wheeler loan will allow you to pay in easy instalments, reducing the financial burden.

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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