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Two Wheeler Loan
HDFC Bank is one of India’s most trusted private banks, known for digital excellence and transparent lending. Head Office: Mumbai, Maharashtra.
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🏍️ HDFC Bank Two Wheeler Loan – Smart Financing for Every Ride in India
Own your dream bike today with HDFC Bank Two Wheeler Loan via PoketCare.
From daily commuters to premium superbikes and EV scooters, enjoy quick approval, flexible tenure, and transparent pricing—all matched smartly by PoketCare’s AI engine.
🔑 Types of HDFC Bank Two Wheeler Loans & Key Features
HDFC Bank offers customised two-wheeler loans based on riding needs—whether it’s daily commuting, premium biking, or eco-friendly EV mobility.
📊 Loan Types & Features
| Loan Type | Interest Rate* | Max Tenure | LTV | Loan Amount |
|---|---|---|---|---|
| New Two Wheeler Loan | Starting from ~10.50% p.a. | Up to 60 months | Up to 90% | Up to ₹10 lakh |
| Super Bike Loan | Starting from ~11.25% p.a. | Up to 48 months | Up to 85% | Up to ₹20 lakh |
| EV Two Wheeler Loan ⚡ | Starting from ~9.99% p.a. | Up to 60 months | Up to 90% | Up to ₹15 lakh |
| Balance Transfer | Reduced from existing rate | Remaining tenure | Based on case | As per outstanding |
*Rates are indicative and may vary by profile.
👉 PoketCare Pro Tip: EV loans often come with lower interest rates—perfect if you want long-term savings on fuel and maintenance.
🛡️ Insurance Recommendation – Ride with Complete Peace of Mind
Protect your bike and your loan obligation with the right insurance cover from day one.
Recommended Insurance Options:
- 🏍️ Two Wheeler Comprehensive Insurance – ICICI Lombard, HDFC ERGO, Bajaj Allianz
- 🧾 Loan Protection Insurance – HDFC Life Credit Protect
👉 PoketCare Pro Tip: Loan protection insurance ensures your EMIs are covered during unexpected life events, protecting your family from liability.
👥 Ideal Borrowers & Eligibility Criteria
HDFC Bank Two Wheeler Loans are designed for salaried and self-employed Indians with stable income.
✅ Eligible Applicants
- Primary Applicant: Salaried / Self-Employed
- Co-Applicant: Spouse, parent, or earning family member
📋 Basic Eligibility
- Age: 21 to 60 years
- Minimum Monthly Income: ₹12,000 (varies by city)
- Preferred CIBIL Score: 700+
Other Income Considered:
Rental income, spouse income, business income can improve eligibility.
👉 PoketCare Pro Tip: Adding a co-applicant with stable income can reduce interest rate and increase loan approval chances.
📑 Documents Checklist
Simple documentation ensures faster loan approval.
📌 For Salaried Applicants
- Aadhaar Card & PAN Card
- Last 3 months salary slips
- Last 6 months bank statement
- Passport-size photographs
📌 For Self-Employed Applicants
- Aadhaar & PAN
- Business proof / GST (if applicable)
- Last 6 months bank statement
- ITR (last 1–2 years)
🛵 Two Wheeler Documents
- Proforma invoice from dealer
- Vehicle quotation
- Insurance copy (post-approval)
👉 PoketCare Pro Tip: Clean bank statements without EMI bounces help in instant approvals.
💰 Charges – Pre & Post Disbursement
HDFC Bank follows transparent pricing with clearly defined charges.
📊 Charges Table
| Charge Type | Amount (Indicative) |
|---|---|
| Processing Fee | Up to 2.5% of loan amount |
| Documentation Charges | As per bank policy |
| RTO Charges | Actuals |
| EMI Bounce Charges | ₹450–₹600 per bounce |
| Foreclosure / Prepayment | As per terms |
| Stamp Duty | As per state laws |
👉 PoketCare Pro Tip: Always check foreclosure charges if you plan to close the loan early.
🌟 Benefits of HDFC Bank Two Wheeler Loan
Designed to make bike ownership stress-free and affordable.
- 🚀 Fast Approval – Minimal paperwork & quick processing
- 💸 Flexible EMIs – Choose tenure that suits your budget
- 🔒 Trusted Bank – Strong reputation & digital convenience
- ⚡ EV Friendly Loans – Lower rates for electric scooters
- 📉 High Loan Coverage – Up to 90% on select models
👉 PoketCare Pro Tip: Shorter tenure = lower interest outgo if EMI affordability permits.
🔗 Useful Full Links for Borrowers
- HDFC Bank Official Website: https://www.hdfcbank.com
- Check CIBIL Score Free: https://www.cibil.com
- Two Wheeler EMI Calculator: https://www.hdfcbank.com/personal/tools-and-calculators/emi-calculator
- PoketCare Loan Assistance: https://www.poketcare.com
🏁 Conclusion – Your Ride, Your Rules
HDFC Bank Two Wheeler Loan via PoketCare makes bike ownership simple, smart, and future-ready. Whether it’s a fuel-efficient commuter, premium superbike, or eco-friendly EV—PoketCare helps you choose the right loan, right rate, right now.
🚦 Apply today and ride tomorrow—because great journeys begin with the right decision.