Icici Bank Limited Two Wheeler Loan FAQs

Two-Wheeler Loan has made your ride easier. Now you can minimize your dependency on public transport. Banks offer the best Two- Wheeler loan schemes and you can repay the loan through ECS, Standing Instructions or post-dated cheques with easy EMIs.

Icici Bank Limited Two Wheeler Loan FAQs

Fees and Charges Applicable on Two wheeler Loans are:

  • Loan Processing Charges
  • EMI Late payment penalty
  • Prepayment Fees
  • Loan cancellation charges
  • No Due Certificate
  • No Objection Certificate (NOC)
  • Charges for Conversion
  • Administrative Fee
  • Cheque Bounce / EMI return charges
  • Loan Rebooking Charges
  • Legal, Repossession & Incidental charges
Yes, you should avail the loan even if you have enough money with you. The reason is you don't have to spend your money in lumpsum and you can invest that money in better options like mutual funds, banks FDs, etc. Further, two-wheeler loans are available in very attractive and competitive interest rates in the market.
The two-wheeler loans offered by banks are available for a period ranging from 3 years to 5 years. This period also varies on the basis of purchase of new two-wheeler or old two-wheeler.
If the loan is taken against a security or collateral like home, flat, debentures, land, etc., it is called secured two-wheeler loan. This type of loan is offered on very low rates as the risk of loan repayment is reduced.
If the loan is taken without any collateral or security, it is called unsecured two-wheeler loan. As the loan repayment risk is high for banks, they offer this loan on higher interest rates.
If you have a good credit score then the loan will be offered at the most competitive interest rates and other lenient terms.
It generally takes about 1-7 working days for processing the loan and getting it sanctioned after submission of all the required documents.

There are 4 stages involved in availing a two-wheeler loan, which are:

  1. Submitting a Loan Application
  2. Processing of application
  3. Approval of the loan
  4. Disbursement of loan amount
It varies from bank to bank. Some banks provide loans up to 100% for their account holders for some specific models.

Icici Bank Limited Contact Details

  • BANK OFFICIAL WEBSITE - www.icicibank.com
  • CONTACT NUMBERS - 18001024242, 022-33667777
  • EMAIL ID - care@icicibank.com
  • MISSED CALL NO. - 2230256767
  • TOTAL BRANCHES - 4450
  • TOTAL ATMS - 13900
  • HEADQUARTER - Mumbai
  • BANK ADDRESS - ICICI Bank Towers, Bandra-Kurla Complex, Mumbai 400 051

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2018 January 22 is a bank holiday in Andaman And Nicobar Island due to Saraswati Puja (Shree Pancham)/Basant Panchami.
2018 January 23 is a bank holiday in Andaman And Nicobar Island due to Birthday Of Netaji.
2018 January 26 is a bank holiday in Andaman And Nicobar Island due to Republic Day.
2018 January 31 is a bank holiday in Chandigarh due to Guru Ravidas's Birthday.
2018 February 13 is a bank holiday in Andhra Pradesh due to Mahashivratri.
2018 February 15 is a bank holiday in Manipur due to Lui Ngai-Ni.

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