What is the maximum loan amount I can get with a zero down payment two-wheeler loan?

Most financial institutions will sanction up to ₹1-3 lakh as the maximum loan amount for 100% financing on two-wheelers. However, the final approved loan amount will depend on certain factors:

• Your eligibility, income level, and repayment capacity are key determinants of your maximum loan amount. The higher your ability to repay, the more the loan provider may sanction.
• Condition and valuation of the used two-wheeler in case of a pre-owned purchase also impact the loan amount.
• Adding a co-applicant with a healthy credit profile and stable income can help enhance the loan amount eligibility.
• Some lenders may cap maximum tenure to 2-3 years for zero down payment two-wheeler loans due to higher risk, thereby reducing the maximum amount.
• Existing customers with a good history and higher credit scores can get preferential higher loan amounts.

Overall, discuss your requirements with the loan provider to understand the maximum loan amount eligibility based on your profile.