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L&T Finance Two Wheeler Loan

L&T Finance offers two wheeler loans starting at the rate of 7.99% p.a. Under the two wheeler loan scheme, applicants can avail a loan amount of up to 95% of the on-road price of the vehicle with a loan repayment tenure of up to 4 years.

L&T Financial Services offer bike loans for its customers. L&T Financial Services offers two wheeler loans especially tailored to suit your needs and to provide financial assistance for you to buy a two wheeler at affordable interest rates.

L&T Financial Services Two Wheeler Loan Interest Rate

Interest Rate Starts at 7.99% p.a.
Maximum Loan Amount Rs.5 lakh
Minimum Loan Amount Rs.10,000
Minimum Income Requirement As per the NBFC’s requirement
Repayment Period Up to 4 years
Processing Fee As per the NBFC’s terms and conditions
Prepayment Charges As per the NBFC’s terms and conditions

Features and benefits of L&T Financial Services Two-Wheeler Loan:

  1. Quick loan approval.
  2. Loan options available for salaried as well as non-salaried individuals.
  3. Easy documentation process.
  4. Loan available without income proof (conditions apply).
  5. Branches spread across India.
  6. Avail funding up to 95% of the on-road price (conditions apply)

Eligibility criteria for L&T Financial Services Two-Wheeler Loan:

  • The applicant should be between the age bracket of 18 years to 66 years.

Documents required to avail L&T Financial Services Two-Wheeler Loan:

Loan applicant Documents required
Without income proof
  • Valid identity proof: Aadhar Card, PAN Card, etc.
  • Valid address proof: Utility bills (Electricity bill, Gas passbook, etc.), Passport, etc.
  • 2 cheques in case of paper mandate
With income proof
  • Valid identity proof: Aadhar Card, PAN Card, etc.
  • Valid address proof: Utility bills (Electricity bill, Gas passbook, etc.), Passport, etc.
  • Valid income proof: Pay-slips, bank statements, etc.
  • 2 cheques in case of paper mandate

How to Apply for L&T Financial Services Bike Loan?

You can apply for a L&T Financial Services Bike loan online. You will be required to follow a few simple steps which can be summed up as follows:

  • Click on the link https://www.ltfs.com/companies/lnt-finance/two-wheeler-loan.html.
  • On this page, scroll down to the EMI Calculator section.
  • Use the sliders to enter the loan amount, rate of interest, and number of months for the loan tenure.
  • Once you have filled up the details mentioned above, the calculator will show you the Equated Monthly Instalment or EMI amount on the basis of the details entered by you.
  • Under this, you can click on the ‘Apply Now’ button which will redirect you to a fresh web page.
  • In this page, you will be required to fill in a form with the following details– First name, last name, mobile phone number, email ID, product category (Two Wheeler Loan, in this case), subject, and additional comments.
  • You can choose to get a call back or an email communication from L&T Financial Services under the ‘Subject’ tab.
  • Once all the details which have been mentioned above are duly filled up, click on the ‘Submit’ button.
  • Your request will be process thereafter and L&T Financial Services will communicate with you for your loan requirement accordingly.

Alternatively, you can also visit BankBazaar.com for your Two Wheeler Loan requirement. On BankBazaar, you can compare the different two wheeler loan products which are available as per your eligibility criteria and choose the one that suits all your requirements. You can apply for a loan product directly through BankBazaar.

L&T Financial Services Two Wheeler Loan EMI Calculator

L&T Financial Services offer an EMI calculator on their official website which can be used by any user to calculate the EMI for the prospective loan amount chosen by them. On this two wheeler loan emi calculator, the user will be required to enter the details of the loan such as the expected loan amount, the annual rate of interest, and the loan repayment tenure in terms of months.

Once all the details have been entered, the calculator will make the necessary calculations and display the EMI amount as per the details provided by the user at the bottom of the table.

Finding information about your loan through SMS

You can find information about your loan by sending the keyword through SMS to 92 12 02 5555 via SMS. The keywords that you can use to find different information regarding your loan are given below:

Information required Keyword
Outstanding Balance OSB
Loan agreement number tagged to your mobile number LAN
Principal Outstanding POS
To get valid SMS codes CODE
Next EMI amount and due date EMI
Number of installments paid and future installments left INST
Loan amount sanctioned and tenure SANC
Statement of Account SOA
Address of L&T branch in the city BRN <space> <first three letters of the city>


  1. Am I allowed to sell my two wheeler before repaying the loan for the same?
  2. No, unless you have repaid the loan, you can't sell you vehicle. A NOC is required (from the financer) for you to sell your two wheeler.

  3. I want to avail a two wheeler loan from L&T, but I am an existing Family Credit Customer with the company?
  4. Yes, depending on your record of previous loan repayment, you can avail a two wheeler loan from the company.

  5. If I happen to make an excess payment, will I receive a refund of that amount through cheque?
  6. Please inform the L&T branch immediately, if you have made an excess payment, and that amount shall be duly refunded or adjusted once the claim has been verified within the stipulated time.

  7. I have some queries regarding two-wheeler loan. How can I get in touch with the customer care executive?
  8. You can call on the number +917264888777 in case of any query related to two-wheeler loan.

  9. How can I get information about my loan?
  10. You can either call the customer care number +917264888777 or send an SMS to 92 12 02 5555. You can also give a miscall to 92 12 02 5555 to find information about your loan.

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