Two Wheeler Loan

Considering the mostly dense Indian roads, a two-wheeler provides you with high flexibility and utility. Whether you want a convenient way to move around the city or go on a road trip with friends,there’s a two-wheeler for every purpose and terrain.With HDFC Bank, you can enjoy up to 100%* financing for two-wheelers and competitive Two Wheeler Loan  interest rates.Plus, you can apply for an HDFC Bank Two Wheeler Loan online with minimal documentation. Pre-approved customers can enjoy instant disbursal of their Two Wheeler Loan amount.

Two-wheelers can range from tens of thousands to tens of lakh or more. But with HDFC Bank, you can avail of flexible Equated Monthly Instalment (EMI) repayment and tenure options on our bike loans, allowing you to own your dream bike.

This festive season, celebrate freedom and convenience with HDFC Bank XPRESS Two Wheeler Loan. Make this Diwali and Dussehra special by riding home your dream bike. Enjoy festive benefits like instant approval, minimal documentation, and speedy disbursal to ensure your new two-wheeler is ready for the celebrations. Now is the perfect time to own your dream ride and make this festive season a memorable one.

Offer valid till 31st October. Check your personalized Festive Treats offers here:  https://v.hdfcbank.com/festive-treats-2025.html

T&C Apply. All Loans at the sole discretion of HDFC Bank.

Two Wheeler Loan EMI Calculator *

Check if you have a Pre-approved Loan Offer. 

*The Interest rate shown is for representation purpose. The rates may differ basis the loan amount calculated on the asset/ vehicle Cost

Two Wheeler Loan FAQs

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• What is Two Wheeler Loan application process?
  
  You can apply for your Two wheeler Loan through our Online Banking services via HDFC Bank Website. https://applyonline.hdfcbank.com/two-wheeler-unified.html
  
  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.
  
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https://apply.hdfcbank.com/vivid/retailassets 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 Loansupport@hdfcbank.com

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

https://v.hdfcbank.com/branch-atm-locator/