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L&T Finance is a leading Two Wheeler Loan company in Kolkata offering seamless digital loans for all kinds of bikes. Whether you're eyeing a commuter, bikes under 1.5 lakh, scooter under 1 lakh, or a high-end superbike, our tailored financing helps you ride away with minimal documentation, fast approvals and transparent Fees & Charges.
| Feature | Details |
|---|---|
| Minimal paperwork | Apply for a Two Wheeler Loan digitally with minimum documentation |
| Accessible service | Nationwide dealerships for personalised and doorstep support |
| Loan tenure | Choose repayment tenure up to 5 Years |
| Maximum funding | Receive up to 100%* funding of on-road price |
Use our Two Wheeler Loan EMI calculator to plan your budget. Simply enter loan amount, tenure and bike loan interest rate in Kolkata, then view your monthly EMI instantly.
| Type | Criteria |
|---|---|
| Residency | Indian resident |
| Age requirement | 21 years to 65 years |
| Profession | Salaried or self-employed individuals |
| Document Type | Required Document & Checks |
|---|---|
| Photo ID Proof | PAN and any one of the following- Aadhaar Card | Driving License | Passport | Voter ID | Job card by NREGA | Letter issued by the National Population Register containing details of name and address |
| Address Proof | Utility bills (not older than 2 months) | Aadhaar Card | Driving License | Passport | Voter ID etc |
| Income Proof | Bank statement (Optional. Based on loan requirement) |
List of all fees and charges for Two Wheeler Loan
| Type | Interest Rate and Charges |
|---|---|
| Processing Fees: | Up to 6% of Loan amount *Varies based on the Asset & Scheme opted by the Customer |
| ECS / NACH Charge: | 0 to Rs 1500/- |
| Document Charge | 0 to Rs 1500/- |
| Penal Charge/Late Payment Charge (LPC) | 2% per month (p.m.) on overdue EMI + applicable taxes |
| *LPC revised from 3% to 2% per month on overdue EMI w.e.f. 4th Dec 2023 | |
| *Taxes applicable on LPC w.e.f. 1st April 2024 | |
| EMI Dishonour/Bounce Charge* *A bounce charge is a charge for (i) dishonour of any repayment instrument; or (ii) non-payment of instalment(s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate | As shown in the table below |
| Loan sanction amount in (in ₹) | Charges (in ₹) |
| < ₹ 5 Lakh | ₹ 500 |
| ₹ 5 Lakh - ₹ 50 Lakh | ₹ 1000 |
| > ₹ 50 Lakh - 2 Crore | ₹ 1500 |
| > ₹ 2 Crore | ₹ 2000 |
| Foreclosure Charges : | 5% of principal outstanding + applicable taxes |
| Legal /Recovery /Repo /Parking & other Charges: | As per actuals |
| Duplicate NOC Charges (Charge is applicable for paper copy post 3 free copies per customer): | Rs 250/- + applicable taxes |
| Repayment Swap Charges (per swap) | Rs 500/- + applicable taxes (applicable only for branch walk-ins) |
| Charges for documents like Statement of Account/Repayment Schedule /Foreclosure Letter & Welcome Kit: | Nil |
| Loan Cancellation Charges: | Rs.1500/- |
*Terms & Conditions Apply. All actual charges will be as per Key Fact Statement (KFS) shared by the company.
Apply for Two Wheeler Loan with these steps
1. Apply online in just few minutes
Click on the "Apply Now" button within the Two Wheeler Loan section and fill out the form with your personal details and loan requirements
2. Get assistance from our representative
Our loan representative will contact you, and share all the available loan offers with dealership details, nearest to your location
3. Eligibility and document verification
Visit the dealership, where our representative will check your eligibility and documents to proceed with your loan
4. Drive your Two-Wheeler home
After approval, your loan amount will be directly disbursed to the dealership for a seamless purchase process
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