Jyothika Micro Finance Pvt. Ltd. — Empowering Women Financially
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Two-Wheeler Loan

Buy a scooter or bike for work and family, and pay monthly.

A scooter rider on an open road

Is the Two-Wheeler Loan right for you?

A two-wheeler saves hours of waiting for buses. It lets you take work further from home and helps the whole family get around. This loan helps you buy one and pay in monthly EMIs.

Choose your vehicle and get a quotation from the dealer. Send it to us on WhatsApp with your basic details. We check your eligibility, tell you the EMI and the total you will pay, and help with the documents.

We especially welcome women applicants. A scooter can make it easier to reach a job, run a business or take children to school.

What you get

  • New scooter or bike

    For daily travel and work.

  • EMIs that fit

    Choose a period that keeps your EMI comfortable.

  • Clear paperwork

    KYC, income details and the dealer's quotation.

  • Reach more work

    Your own vehicle lets you take work further from home.

Who can apply

  • Age 21 to 60
  • Regular income
  • Driving licence (yours or a family member's who will ride)
  • Lives in our service area

Documents you need

  • Aadhaar card
  • PAN card (or Form 60)
  • Two passport-size photos
  • Address proof
  • Driving licence
  • Income proof or bank statement
  • Quotation from the dealer

Our team will confirm exactly what is needed for you.

How to get the Two-Wheeler Loan

Four steps. Here is what you do, and what we do.

Two field staff sitting with a circle of village women at an outdoor meeting
A field meeting with a village women's group.
  1. Step 1: Message us on WhatsApp

    You: Tap any WhatsApp button and send the message. Tell us which loan you need.

    We: We reply with the next steps and the documents for your loan.

  2. Step 2: Share your documents

    You: Send copies of the documents we ask for. Keep the originals ready.

    We: We tell you if anything is missing. Nothing more is needed.

  3. Step 3: Verification

    You: Answer a short call, or meet our team at home or at your shop.

    We: We check your details and explain the amount, interest, fees, EMI and total in writing.

  4. Step 4: Get your money

    You: Read and sign the loan agreement if you agree with the terms.

    We: The money goes to your bank account, with your repayment schedule.

Work out your EMI

Your EMI (the money you pay back each month)

₹3,766

You pay ₹3,766 a month for 24 months.

Loan
₹80,000
Interest
₹10,381
Total you pay
₹90,381
Enquire on WhatsApp for this amount (opens in a new tab)

Amounts and EMIs are a guide only, not a loan offer. Your final amount, interest and terms depend on your eligibility and company policy.

Send an enquiry

Your details go only through your own WhatsApp. This website does not store them.

Two-Wheeler Loan questions

Do I need a down payment?

Usually part of the on-road price is paid upfront. Our team tells you the exact amount based on your eligibility.

Can I buy a used two-wheeler?

Please ask our team. It depends on company policy.

Will the vehicle be in the lender's name?

Vehicle loans are usually hypothecated (marked) to the lender until the loan is repaid. Our team explains this.

I don't have a licence. Can I still apply?

Talk to our team. Sometimes a family member with a licence can be added to the application.

Compare all loans

Next steps