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Interest & Charges
Frequently Asked Questions About Two Wheeler Loan
Can I get a bike loan from Shriram Finance?
Yes. Shriram Finance offers two-wheeler loans for the purchase of new bikes and scooters. You can apply online at shriramfinance.in, through the Shriram One app, or by visiting the nearest Shriram Finance branch. For a full overview of features and financing parameters, visit the two-wheeler loan features and benefits page.
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What is the maximum loan amount for a two-wheeler loan?
Shriram Two-wheeler Loan offers financing of up to 95% of the on-road price of the chosen vehicle.
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Can I get 100% finance for a bike purchase?
Shriram Finance currently offers up to 95% financing of the on-road price. 100% financing is not available — a minimum down payment of approximately 5% is required from the applicant.
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How much loan can I get for a two-wheeler?
Shriram Two-wheeler Loan finances up to 95%* of the on-road price of the chosen vehicle. The remaining 5%* is payable as a down payment by the applicant. The exact loan amount depends on your income, repayment capacity, and eligibility profile. A minimum down payment is required — 100% financing is not available.
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What is the eligibility for a two-wheeler loan?
To be eligible for Shriram Two-wheeler Loan, you must be between 21 and 59 years of age, be salaried or self-employed with at least one year of employment or two years of business operations, and have resided at your current address for at least one year. Applicants from the unorganised sector may apply with a co-applicant or guarantor. For the complete criteria, refer to the eligibility page.
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How to check two-wheeler loan eligibility?
You can check your eligibility by reviewing the criteria on the two-wheeler loan eligibility page — age, employment status, income stability, and residence proof. You can also submit an application online for an assessment.
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What is the minimum CIBIL score for a two-wheeler loan?
Shriram Finance does not mandate a fixed minimum CIBIL score for a two-wheeler loan. A healthy credit history improves your chances of approval and may positively influence the interest rate you are offered. Applicants with no credit history may apply with the support of a co-applicant or guarantor who has a strong credit profile.
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What is the minimum salary required for a bike loan?
There is no fixed minimum salary requirement for a Shriram Two-wheeler Loan. Eligibility is assessed based on overall repayment capacity, income stability, and employment type. A steady and verifiable income is the primary factor considered.
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What is the interest rate for a two-wheeler loan?
The two-wheeler loan interest rate at Shriram Finance starts from 10%* p.a. The exact rate offered depends on your credit profile, loan amount, tenure, and income stability. All rates are annualised at monthly rests and disclosed upfront. For the complete rate schedule, refer to the interest rates and charges page.
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Are there any processing fees for a two-wheeler loan?
Yes. A processing fee of up to 5%* of the loan amount is applicable. This is a one-time charge applied at the time of loan disbursement. All charges are disclosed upfront before you sign the loan agreement.
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What are the foreclosure charges for a two-wheeler loan?
Foreclosure charges of up to 4%* of the outstanding principal apply on early repayment. Foreclosure is not permitted within the first 12 months from the date of the first EMI. An additional 2%* applies if the loan is transferred to another lender. For part-prepayment terms, contact your nearest Shriram Finance branch.
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What is a two-wheeler loan EMI?
An EMI is the fixed monthly payment made to repay your loan over the chosen tenure. It is calculated based on the loan amount, interest rate, and repayment tenure. Use the two-wheeler loan EMI calculator to estimate your monthly instalment before you apply.
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What is the EMI for a ₹1 lakh two-wheeler loan?
At 10%* p.a. over 36 months, the approximate EMI for a ₹1,00,000* loan is ₹3,227*. The actual EMI depends on the interest rate and tenure applicable to your loan. Use the two-wheeler loan EMI calculator for an accurate figure based on your specific inputs.
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What is the maximum repayment tenure for a two-wheeler loan?
The maximum repayment tenure for Shriram Two-wheeler Loan is 60 months. Tenure options range from 12 to 60 months, giving you flexibility to select a repayment period that fits your monthly budget
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What is a loan foreclosure?
Loan foreclosure means repaying the full outstanding principal amount as a single payment before the loan tenure ends, rather than continuing with regular monthly EMIs. Foreclosure on Shriram Two-wheeler Loan is not permitted within the first 12 months from the date of the first EMI, and foreclosure charges of up to 4%* of the outstanding principal apply.
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Can I pay my two-wheeler loan EMI online?
Yes. EMI payments can be made online through the Shriram Finance website by selecting Payments and then EMI Payment from the main menu, or through the Shriram One app. Enter your registered mobile number, verify with the OTP, and complete the payment using your preferred method.
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What happens if I miss an EMI?
Missing an EMI may attract late payment charges and can negatively affect your credit score. If you anticipate difficulty making a payment, contact Shriram Finance customer support at 1800-103-4959 at the earliest to discuss your options.
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What documents are required for a two-wheeler loan?
The documents required include identity proof (Passport, Driving Licence, Voter ID, or Aadhaar Card), address proof, income proof (six months of bank statements, one cancelled cheque, and an ACH form), and recent passport-size photographs. For new vehicle purchases, a duly endorsed RC must be submitted once received. For the complete list, refer to the eligibility page.
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Is my two-wheeler used as collateral for the loan?
Yes. The vehicle you purchase is hypothecated to Shriram Finance and serves as the security during the loan tenure. No additional collateral or security deposit is required.
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How do I apply for a two-wheeler loan?
You can apply online at shriramfinance.in or through the Shriram One app, or by visiting the nearest Shriram Finance branch. For a step-by-step walkthrough of both the online and offline process, refer to the how to apply page.
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How can I check my loan application status?
Log into the Shriram Finance customer service portal using your credentials to check your application status or track it through the Shriram One app at any time.
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