Introducing Our Tailored Two-Wheeler Financing Solutions for Mid-Premium Segment

Step into the future with a two-wheeler loan designed for those who like to define their own path. We offer a tailored loan experience that fits your ambitions. With loan amounts up to ₹5 lakh, we make it easier for you to upgrade your ride and your lifestyle. Whether you're looking for flexibility with our Banking Surrogate program or prefer our simple Income Proof solution, we've got you covered.

With competitive interest rates and flexible repayment tenures, you're in control of your financial journey. This loan option is your chance to Create Your Own Path—giving you the freedom to ride in style, on your terms.

Key Features:

Loan amount: ₹1,75,000 – ₹3,00,000 (Banking Surrogate)

Loan amount: Rs. 2,75,001 – 5,00,000 (for Income Proof program)

Loan amount: Rs. 1,00,000 to Rs. 2,50,000 [Non-Income Proof]

Interest Rates: 14.49%-18.49% [IRR]

Tenure: 12 to 60 months

Top Benefits

Financing up to 90% of the on-road price

Flexible repayment tenure up to 60 months

Competitive interest rates

Age Eligibility Criteria

Minimum age of 21 years and maximum 60 years at the time of Loan Maturity

Two-Wheeler Loan EMI Calculator

Calculate and compare your EMI in few seconds with our Two-Wheeler Loan EMI Calculator.

Loan Principal Amount

₹26K₹2.75L

Term for Loan

Months

1 Month48 months

Interest rate(IRR)

per annum

17.75%24%

Disclaimer: The data generated herein is completely and solely based on the information/details provided by you and such information and the resultant data is provided only for user's convenience and information purposes. Ujjivan SFB does not guarantee accuracy, completeness or correct sequence of any the details provided therein and therefore no reliance should be placed by the user for any purpose whatsoever on the information contained / data generated herein or on its completeness / accuracy.

The use of any information set out is entirely at the User's own risk. User should exercise due care and caution (including if necessary, obtaining of advice of tax/ legal/ accounting/ financial/ other professionals) prior to taking of any decision, acting or omitting to act, on the basis of the information contained / data generated herein. Ujjivan SFB does not undertake any liability or responsibility to update any data. No claim (whether in contract, tort (including negligence) or otherwise) shall arise out of or in connection with the services against the bank. Neither Ujjivan SFB nor any of its agents or licensors or group companies shall be liable to user/ any third party, for any direct, indirect, incidental, special or consequential loss or damages (including, without limitation for loss of profit, business opportunity or loss of goodwill) whatsoever, whether in contract, tort, misrepresentation or otherwise arising from the use of these tools/ information contained / data generated herein.

Schedule Of Charges:

PARTICULARS	Mid Premium Two-Wheeler Loans
Processing Fee	Up to 4% of loan amount + GST or ₹ 10,000[inclusive of GST] whichever is lower (w.e.f 13th Feb 2026)
Document charges	Up to ₹ 2000 plus GST (w.e.f. 13th Feb 2026)
Stamp charges	At actuals
Credit Life Insurance	As applicable
EMI bounce charges	₹ 500 plus GST
Late payment fee	2.25% p.m on EMI overdue amount capped at ₹1000
Pre-closure charges	2% of principal outstanding amount + tax [if loan is pr-closed on/before 12 months from date of disbursement] 1% of principal outstanding amount + tax [if loan is pre closed after 12 months from date of disbursement]. In both scenarios maximum capping is at Rs.3000[inclusive of tax]
Loan cancellation charges	Nil (However client would be charged interest for the interim period between date of loan disbursement to loan cancellation and Processing fee, Documentation charges &Stamp duty will be charged)
Legal processing & incidental charges	At actuals + GST
Other charges	Interest certificate – ₹ 50+ GST
	Loan Account Statement – ₹ 50+ GST
	Duplicate NOC – ₹ 500+GST
	Amortization schedule – ₹ 100+GST

Frequently Asked Questions

A two-wheeler loan for the mid-premium segment is designed for those who aspire to ride beyond the ordinary. Ideal for those who want to create their own path, this financing option offers faster approvals, higher loan amount, competitive interest rates, and flexible repayment tenures – empowering you to choose a ride that reflects your journey, lifestyle and ambition.

You can avail up to Rs. 5 lakh under the mid-premium segment, with varied schemes including Banking surrogate, Income proof and Non Income Proof.

The interest rate starts from 14.49%

We offer flexible repayment tenure up to 60 months, allowing you to plan your EMI as per your comfort.

Age Eligibility criteria: Minimum age of 21 years and maximum 60 years at the time of Loan Maturity

No, there are no hidden fees. Processing fees of up to 4%, is applicable. Details of all other applicable charges are mentioned here: Schedule of charges

Yes, prepayment and foreclosure options are available. Terms and any applicable charges will be shared in your loan agreement.

You can get up to 90% financing of the on road price of the vehicle.

Banking surrogate programs is a program where customer’s eligibility is decided based on customer’s bank statements. It is ideal for self-employed individuals who have variable income source.

#Ujjivanblogs

Latest Blogs

Catch up on the latest blog updates from your trusted bank!

Apply for Loan

Customer Speak

I had an excellent experience with Ujjivan Small Finance Bank. Their loan process is swift, requiring minimal documentation, and offers reducing interest rates. I highly recommend Ujjivan Small Finance Bank.
Rameshwar Hembram
East

Recently, I financed my scooter through Ujjivan Small Finance Bank, and I'm extremely satisfied with the experience and the overall process. The team was exceptionally supportive and helpful.
Sachin Kumar Jha
North

The bank is experiencing significant growth and continuously enhancing its processes. A few years ago, when my brother obtained a Two Wheeler Loan, the entire process took a considerable amount of time. However, when I financed my two-wheeler with them recently, it was remarkably smooth and easy
Anup Kanti Dey
East