Two-Wheeler Loan Fees and Charges
| Fee | Amount to be paid |
|---|---|
| Rack Interest Rate | Starting from 14.50% based on vehicle segment and customer credit worthiness |
| Loan processing charges | Up to 2.5% of the loan amount NIL processing fees for loan facilities up to ₹5 lakh availed by Micro and Small Enterprises subject to URC submission before disbursal |
| Stamp Duty and Other Statutory Charges | As per applicable laws of the state |
| Documentation Charges | Up to 2.25% of the loan amount |
| Registration Certificate (RC) Collection Fees | Up to ₹850 |
| RTO Charges | At Actuals |
Charges post loan disbursement
| Fee | Amount to be paid |
|---|---|
| Interest on delayed EMI Payment | Interest will be charged on unpaid EMI for the number of days EMI is late. This interest is calculated at loan's contracted rate and will be added to next EMI. |
| Legal, Repossession and Incidental charges | At actuals |
| Amortization Schedule Charges | ₹50 |
| Repayment mode change charges | ₹500 |
| Payment Return Charges | ₹450 |
| Loan Cancellation Charges | NIL Note: The client would be charged interest for the interim period between the date of the loan disbursement and loan cancellation. Processing Fees, Documentation Charges, and Stamp Duty would be retained. |
Pre-mature closure charges
| Fee | Amount to be paid |
|---|---|
| Premature closure charges (on principal outstanding) |
Note: Please have a service request registered regarding a Two-Wheeler loan for closure. Click here to raise an online token for the same |
Other charges
| Fee | Amount to be paid |
|---|---|
| No Due Certificate / No Objection Certificate (NOC | Nil |
| Duplicate NOC | ₹250 per request |
| Bureau Charges (On Request) | ₹50 |
| Special NOC Charges | ₹200 |
| Loan Rebooking/ Reschedulement Charges | ₹400 |
Rates Offered to Customer During the Period of April to June 2026
| Product | Average | ||
|---|---|---|---|
| Min IRR | Max IRR | Avg IRR | |
| Superbike Two -Wheeler Loan | 9.55% | 17.10% | 10.32% |
| Two -Wheeler Loan | 9.99% | 25.02% | 18.22% |
Annual Percentage Rate Offered to Customer During the Period of April to June 2026
| Product | Average | ||
|---|---|---|---|
| Min APR | Max APR | Avg APR | |
| Superbike Two -Wheeler Loan | 9.66% | 18.10% | 10.56% |
| Two -Wheeler Loan | 10.46% | 34.45% | 29.99% |
Click here to learn more about the HDFC Bank Two-wheeler Loan
Click here to apply for the HDFC Bank Two-wheeler Loan
Click here for the most important Terms & Conditions
Disclaimer:
Note: The above charges are the maximum charges applicable for each type of charge Charges which are in nature of fees are Exclusive of applicable Government taxes and other levies. Applicable Government taxes and other levies, would be charged additionally. Loan Processing fees, Documentation charges and Stamp Duty applies to documents like cheques, receipts, licenses and transaction records.is non-refundable. PDD Collection Charges are refundable in case of loan cancellation
Terms and conditions apply. Two-Wheeler Loan approvals are at the sole discretion of HDFC Bank Limited and are subject to documentation and verification as per the Bank's requirements. Interest rates are subject to change. Please check with your RM or the closest bank branch for current interest rates.
Frequently Asked Questions
HDFC Bank offers only Fixed Interest Rate for Bike Loans.
- Floating Interest Rate is not offered in Two Wheeler Loans.
- Fixed Interest Rate: The interest rate stays the same throughout the loan tenure, ensuring predictable and stable EMI payments. Under this method, interest is calculated on the reducing balance of the loan (principal loan outstanding). As each EMI is paid, the outstanding principal decreases—naturally lowering the interest portion of every subsequent EMI over time.
Yes, HDFC Bank offers different interest rates for new and used Two-Wheeler Loans. The interest rate for a new bike loan is generally lower compared to a used Bike Loan, reflecting the higher risk associated with financing a used vehicle.
To know more about common fees and charges associated with HDFC Bank Two-Wheeler Loans, Click Here https://www.hdfc.bank.in/two-wheeler-loan/interest-rates-and-charges
Credit score plays a significant role in determining the interest rate for HDFC Bank Two-Wheeler Loans. A higher credit score indicates a lower credit risk for the bank, leading to a higher chance of loan approval and a lower interest rate. On the other hand, a lower credit score may result in a higher interest rate or even loan rejection, as it signifies higher credit risk for the bank.
HDFC Bank offers a Two-Wheeler Loan at an interest rate starting from 14.5%, depending on the vehicle segment and your creditworthiness. This rate may vary based on your profile and loan specifics, ensuring a tailored financing option suited to your individual circumstances.
To know more about fees and charges associated with HDFC Bank Two-Wheeler Loans, Click Here https://www.hdfc.bank.in/two-wheeler-loan/interest-rates-and-charges
To know more about fees and charges associated with HDFC Bank Two-Wheeler Loans, Click Here https://www.hdfc.bank.in/two-wheeler-loan/interest-rates-and-charges
You are required to pay stamp duty and other statutory charges on HDFC Bank Two-Wheeler Loan as per the applicable laws of your state. These are mandatory charges governed by local authorities and are not controlled by the bank.
To know more about fees and charges associated with HDFC Bank Two-Wheeler Loans, Click Here https://www.hdfc.bank.in/two-wheeler-loan/interest-rates-and-charges
Yes, for HDFC Bank Two-Wheeler Loan, you are required to bear RTO charges at actuals. These charges vary depending on the region and vehicle and are directly paid to the respective Regional Transport Office.
To know more about fees and charges associated with HDFC Bank Two-Wheeler Loans, Click Here https://www.hdfc.bank.in/two-wheeler-loan/interest-rates-and-charges
To know more about fees and charges associated with HDFC Bank Two-Wheeler Loans, Click Here https://www.hdfc.bank.in/two-wheeler-loan/interest-rates-and-charges
To know more about fees and charges associated with HDFC Bank Two-Wheeler Loans, Click Here https://www.hdfc.bank.in/two-wheeler-loan/interest-rates-and-charges
To know more about fees and charges associated with HDFC Bank Two-Wheeler Loans, Click Here https://www.hdfc.bank.in/two-wheeler-loan/interest-rates-and-charges
To know more about fees and charges associated with HDFC Bank Two-Wheeler Loans, Click Here https://www.hdfc.bank.in/two-wheeler-loan/interest-rates-and-charges
To know more about fees and charges associated with HDFC Bank Two-Wheeler Loans, Click Here https://www.hdfc.bank.in/two-wheeler-loan/interest-rates-and-charges
To know more about fees and charges associated with HDFC Bank Two-Wheeler Loans, Click Here https://www.hdfc.bank.in/two-wheeler-loan/interest-rates-and-charges
Get your dream bike today—apply now for easy financing!