Two Wheeler Loan


Have a safe commute! Own your ride through an end to end contactless digital application & disbursal process 

In the new normal, your bike is not just your pride but also a safe means to commute. To support you in making your choice of bike available within your reach, we bring to you pocket friendly step-up EMI schemes with 50% lower EMI for first 3 months, empowering you to manage your current flow of income & expense efficiently.

With our end to end digital process, minimal documents shared basis KYC , get the bike with a down-payment of Rs 1,999 Now owning your ride seems like an easy choice.

Ride with pride safely with HDFC Bank in this new normal.

Flexible Repayment Tenure

Decide whether you'd like your loan tenure to be just 12 months, or 48 months, with our pocket-friendly EMI repayment options.

Fulfil Your Every Need

Get up to 100% finance in you're an HDFC Bank account holder for specific models, and repay the money at attractive interest rates.

Online Application

Enjoy convenient doorstep service and skip the queues when you log a request online.

Competitive Rates

We offer a 2% lower rate of interest, and a 50% lower processing rate for existing HDFC Bank account holders, allowing you to enjoy savings of up to Rs. 2,375/-*.

*Conditions Apply. Savings calculated on loan amount of Rs. 50,000/-. Approval TAT from the time of submission of relevant documents at branch with no address change applicable for account holders.

I got a cheaper and pre-approved loan as I'm a HDFC Bank customer

Easy Repayment Schemes

Easily calculate your EMI and pay through ECS/Standing Instructions/post-dated cheques.

Quick Loans

Check your loan eligibility in just 5 minutes, get quick approvals, and find your loan application status in just 15 minutes. You can avail of an HDFC Bank Two Wheeler Loan at any one of over 3000 branches across India.


Two Wheeler Loan FAQs

What is Two Wheeler Loan application process?

You can apply for your Two wheeler Loan through our Online Banking services via HDFC Bank Website.

What’s more is, if you’re an existing customer, you may be eligible to avail of a Pre-Approved Two Wheeler Loan in 10 seconds! Log in to your NetBanking and find out more.

Alternatively, you can visit the nearest branch of HDFC Bank. However, applying online via HDFC Bank NetBanking is faster and saves resources.

Can I get 100% funding for Buying a Two wheeler?

HDFC Bank offers upto 100% on-road funding. It is applicable for both existing customers as well as new customer’s basis customer profile.

What’s the minimum credit score I need to get a two wheeler Loan?

At HDFC Bank, we haven’t specified a minimum Credit Score for getting a Car Loan. However, a lower Credit Score may lead to the approval of lower loan amounts. Make sure your Credit Score is more than 750, which is generally considered excellent.

What are the minimum and maximum tenures of a two wheeler Loan?

HDFC Bank offers flexible tenures on their two wheeler Loans product. The minimum and maximum tenure are from 12 months to 60 months.

Do I have the option to pre-pay the entire loan amount?

Yes, you can opt for premature closure of loan with applicable premature closure charges after expiry of Cooling off/look-up Period - 3 days from the loan disbursal date.

Please click on the link to view premature closure charges.

Do I need a guarantor?

No, but in case if you don't meet the Bank's norms then you may be required to have a guarantor surety. A guarantor becomes a co-endorser and assumes liability in event of default to stand surety for your loan.

How long will it take to process the loan?

Loan Processing and disbursement will take atleast 7 working days post submission of all requisite documents and information as may be required by the bank as per Bank’s criteria.

​​If I don’t have an account with HDFC Bank, can I still avail of loans?

Yes, you can get an HDFC Bank Two Wheeler Loan. You need not necessarily have an account with us.

What are different modes of payment ?

Repayments are enabled through Standing Instructions (SI) for HDFC bank account holders and through NACH for external account holders. If the repayment through these instruments is not cleared, there are alternate digital repayment modes viz. Payzapp, Gpay, billdesk, Paytm etc.

What are the touch points of contacts for customers post disbursement of loan?

Customer can raise his request digitally on below link

How to reduce the Interest Rate on your Two-Wheeler Loan?

HDFC Bank provides multiple ways for you to reduce the interest rate on your Two Wheeler Loans. All you have to do is open a Women Saving Account to get a 2% lower interest rate, or a Savings Max Account to save Rs. 2,375.

How to reduce the processing fees on your bike loan?

With HDFC Bank you can get the option of reducing your processing fees. Open a Women’s Savings Account or a Savings Max Account with HDFC Bank and you can avail of a 50% discount on the processing fees of your Two Wheeler Loan.

​​​​​​​ for the below mentioned service request.

  • Statement of Account
  • Interest Certificate
  • Foreclosure Enquiry
  • Foreclosure Request
  • Balance confirmation
  • Change in repayment Instructions
  • Reissue NOC for vehicle loans(chargeable @rs 500/- per request for duplicate/special NOC)
  • Change in e-mail address
  • GST Invoice

Customer can also call on (STD Code)-61606161 or can write a mail at

Alternatively, customer can visit the Retail loan branch. You can find the nearest retail loan branch of the bank from the below link.


Two Wheeler Loan Benefits

  • Flexible Repayment Tenure

  • Fulfil Your Every Need

  • Online Application

  • Competitive Rates