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Bring home your dream vehicle with our range of financing options. With our Two-Wheeler Loan (Chakra Loan), Electric Three-Wheeler Loan, and financing options for mid-premium segment, we support every step of your journey forward. Enjoy flexible EMI options, transparent terms, and a seamless experience from loan application to disbursal. Because when you’re ready to move ahead, your loan should match your ambition with confidence and ease.
Loans up to ₹5 lakh
Affordable interest rates
Faster approvals
Get up to ₹ 2.75 lakhs to buy the two-wheeler of your choice
Up to 95% funding of the on-road price
Flexible tenure options, ranging from 12 to 48 months
Calculate your Vehicle Loan EMI in few seconds. Our Vehicle Loan EMI Calculator features a user-friendly interface designed to give you quick results.
Affordable Interest Rates
Designed to keep your EMIs comfortable
Faster Approvals
Quick approvals so you can hit the road without the wait
Flexible Repayment Tenures
Select a tenure that gives you control & comfort
Multiple Products
We offer financing for Two-Wheeler, Mid-Premium Segment & Electric Three- Wheeler
Simple & Easy Loan Application Process
Experience a seamless loan journey
Charge Type | Applicable Details | Two-wheeler loans | Pre-owned cars |
| Processing Fee | Up to 4% of loan amount + GST or ₹ 5,000[inclusive of GST] | Up to 4% of loan amount + GST or ₹ 5,000[inclusive of GST] | processing fee is:1% of loan amount + GST or ₹ 5,000[inclusive of GST] whichever is lower (w.e.f 17 th Jan 2026) |
| Documentation Charges | Up to ₹ 2000 plus GST (w.e.f. 13th Feb 2026) | Up to ₹ 2000 plus GST (w.e.f. 13th Feb 2026) | Up to ₹ 1000 plus GST (w.e.f. 17th Jan) |
1. Click on “Apply Now”
2. Fill out the form with necessary details
3. Acknowledge by clicking on the check box
4. Click ‘Submit’
Once you submit your information, our representatives will reach out to you to provide further assistance.
Age: Minimum age of 18 years
Residential Status: Resident Indian
For more information, please call 1800 208 2121 or write to us at customercare[at]ujjivan[dot]com
KYC Documents
Income proof
For more information, please call 1800 208 2121 or write to us at customercare[at]ujjivan[dot]com
Choose the Right Loan Product
Understand which option suits your requirement best, whether it is a Two-Wheeler Loan (Chakra Loan), an Electric Three-Wheeler Loan, or financing for the mid-premium segment.
Assess the Loan Amount
Calculate how much funding you actually need based on the vehicle cost and your repayment capacity to avoid unnecessary financial strain.
Estimate your EMI in Advance
Use our EMI calculator to understand your monthly commitment and plan your finances comfortably before applying.
Check your Repayment Tenure Options
Select a tenure that balances manageable EMIs with overall affordability over the loan period.
Keep your KYC Documents Ready
Having essential identity and address documents in place helps speed up verification and approval.
Review Eligibility and Terms
Go through the basic eligibility criteria and loan terms to ensure there are no surprises during processing.
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Catch up on the latest blog updates from your trusted bank!
Ujjivan SFB offers two types of vehicle loans – two-wheeler loan and electric three-wheeler loan.
It’s always recommended to keep your credit score healthy, typically above 750. A higher credit score may help you secure your vehicle loan faster.
You will have to pay a loan foreclosure fee if you choose to pre-close your vehicle loan. Kindly check our fees and charges for more details.
Any Indian resident can apply for our vehicle loans. Kindly call our toll-free number at 1800 208 2121 for more details.
The mathematical formula for vehicle loan EMI calculation is EMI = P * r * (1 + r)^n / ((1 + r)^n - 1), where P is the principal loan amount, r is the monthly interest rate (annual rate divided by 12), and n is the loan tenure in months. However, manual calculations can be taxing and may leave room for errors. As a better alternative, use or vehicle loan EMI calculator to save time and effort.
