Getting the loan
Documents Required for Two-Wheeler Loan
KYC, income proof, bank statements and dealer invoice — checklists for salaried and self-employed buyers.
Updated 27 September 2026 · 8 lenders trackedLowest two-wheeler loan rate
8.90%
Indian Bank Two-Wheeler LoanWhat you need to know
Two-wheeler loans need standard KYC, proof of income and the dealer’s quotation. Existing customers with pre-approved offers may need only KYC.
Documents checklist
| Document | Salaried | Self-employed |
|---|---|---|
| Identity & address | Aadhaar, passport, voter ID or driving licence | Same |
| PAN | PAN card | PAN card |
| Income | Last 3 months’ salary slips, Form 16 | Last 2 years’ ITR with computation |
| Bank statement | Last 6 months (salary account) | Last 6 months (business/current account) |
| Business proof | — | GST registration, shop licence or similar |
| Vehicle | Dealer pro-forma invoice / quotation | Dealer pro-forma invoice / quotation |
| Others | Photographs, NACH mandate | Photographs, NACH mandate |
What you receive
- Sanction letter and Key Facts Statement with APR and repayment schedule
- Loan agreement
- Welcome letter with loan account number
- RC with hypothecation to the lender (after registration)
Frequently asked questions
Is a driving licence required?
Many lenders ask for it, and you need a valid licence to ride; it also works as ID and address proof.
Do I need to give post-dated cheques?
Most lenders now use an e-NACH mandate for EMIs; some still take a few security cheques.
For information and comparison only. Loan terms, rates and rules change — confirm with the lender and read the Key Facts Statement before borrowing.