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Two Wheeler Loan
ICICI Bank is one of India’s leading private sector banks, headquartered in Mumbai. serves millions of customers with strong financial credibility and nationwide branches.
Availing Loan
NEVER BEEN SO EASY
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ICICI Bank Two Wheeler Loan – Low Interest, Fast Approval & 100% Digital Process
Buying a new bike, scooter, EV or superbike? With ICICI Bank Two Wheeler Loan, you can own your dream ride with affordable EMI, flexible tenure and instant approval. Apply online via PoketCare and get AI-matched best offer in minutes. 🚀
Types of ICICI Bank Two Wheeler Loan & Features 📊
| Loan Type | Interest Rate (Approx.) | Maximum Tenure | LTV (Loan to Value) | Loan Amount |
|---|---|---|---|---|
| New Bike Loan 🏍️ | Starting from 9.50% p.a.* | Up to 60 months | Up to 95% of on-road price | ₹20,000 – ₹30 Lakhs |
| Super Bike Loan 🔥 | Customized pricing | Up to 60 months | Up to 85–90% | Up to ₹30 Lakhs |
| Electric Vehicle (EV) Loan ⚡ | Special EV rates | Up to 60 months | Up to 95% | Based on model value |
| Balance Transfer Loan 🔄 | Lower than existing rate | Remaining tenure | As per outstanding | Outstanding loan amount |
*Rates depend on profile, city & CIBIL score.
PoketCare Pro Tip 💡
Higher CIBIL score (750+) means lower interest rate and faster approval.
Key Features of ICICI Bank Bike Loan ⭐
- ✔️ Quick approval & minimal documentation
- ✔️ 100% digital application
- ✔️ Flexible EMI tenure up to 5 years
- ✔️ High LTV up to 95%
- ✔️ Attractive rates for EVs
- ✔️ Easy balance transfer option
PoketCare Pro Tip 💡
Use EMI Calculator before applying:
👉 https://www.poketcare.com/two-wheeler-loan-emi-calculator
Insurance Recommendation – Protect Your Ride & Family 🛡️
ICICI strongly recommends comprehensive bike insurance along with loan.
Suggested Insurance:
- ICICI Lombard Two Wheeler Insurance
- Zero Depreciation Add-on
- Engine Protection Cover
- Loan Protection Insurance (Credit Shield)
Why important?
✔️ Covers accident/theft
✔️ Protects outstanding loan in case of unforeseen events
PoketCare Pro Tip 💡
Always choose Zero Dep insurance for new bikes to avoid heavy repair cost.
Ideal Borrowers & Eligibility Criteria 🎯
Eligible Applicants:
- Salaried individuals
- Self-employed professionals
- Business owners
- Students (with co-applicant)
Co-Applicant Can Be:
- Spouse
- Parent
- Sibling
Eligibility Highlights:
- Age: 21 – 65 years
- Minimum Income: ₹10,000+ per month
- CIBIL Score: 700+ preferred
Additional Income Considered:
- Rental income
- Incentives & bonuses
- Business turnover
- Agricultural income (case basis)
PoketCare Pro Tip 💡
Adding a co-applicant with strong income increases loan eligibility & reduces EMI burden.
Documents Checklist 📑
For Salaried Applicants:
- PAN Card
- Aadhaar Card
- Salary Slips (Last 3 months)
- Bank Statement (Last 6 months)
- Passport size photo
For Self-Employed:
- PAN & Aadhaar
- ITR (Last 2 years)
- Business proof
- Bank statement (6 months)
Two Wheeler Documents:
- Dealer quotation
- Proforma invoice
- RTO details
PoketCare Pro Tip 💡
Ensure name spelling is same across PAN & Aadhaar to avoid rejection.
ICICI Bank Two Wheeler Loan Charges
Pre-Disbursement Charges
| Charge Type | Amount |
|---|---|
| Processing Fee | Up to 2% of loan amount |
| Documentation Charges | As applicable |
| Stamp Duty | As per state law |
Post-Disbursement Charges
| Charge Type | Amount |
|---|---|
| EMI Bounce Charges | ₹500 – ₹750 |
| Foreclosure Charges | 3–5% on outstanding |
| Part Payment Charges | As per policy |
| Duplicate NOC | Nominal fee |
| Hypothecation Removal | RTO applicable fee |
PoketCare Pro Tip 💡
Always ask for foreclosure terms before signing agreement.
Benefits of ICICI Bank Two Wheeler Loan 🚀
🧾 Fast Digital Processing – Minimal paperwork
📉 Low Interest Rate – Affordable EMI
⚡ Quick Disbursement – Same day approval possible
🔄 Balance Transfer Option – Reduce existing EMI
🌱 Special EV Financing – Eco-friendly support
🏦 Trusted Bank Brand – Strong reputation
PoketCare Pro Tip 💡
Apply via PoketCare to compare multiple lenders & unlock exclusive cashback offers.
Conclusion – Your Dream Ride is Just One Click Away ✨
ICICI Bank Two Wheeler Loan offers competitive interest rates, high loan amount, flexible tenure and quick digital approval. Whether you want a stylish scooter, powerful superbike or eco-friendly EV, PoketCare helps you compare and apply instantly with confidence.
👉 Apply today via PoketCare and turn your dream bike into reality!