We are now SMFG India Credit Co. Ltd. (Formerly Fullerton India Credit Co. Ltd.)

Bikes are among the most popular means of transport in India. While some look for just an easy ride, many aspire to own their dream bike as soon as possible. Fullerton India offers attractive bike loan interest rates with zero down payment option. While the down payment for a typical bike loan ranges from 15% to 30% of the bike’s value, we also offer zero down payment bike loans on selected models. 

The minimum down payment for a bike loan that you need to make depends on the following factors:

  1. The cost of the bike
  2. Make and model of the bike
  3. Your credit history
  4. Your current repayment capacity
  5. Previous relationship with Fullerton India 

Please visit your nearest Fullerton India branch to find out if you are eligible for a zero down payment bike loan. Alternatively, you can contact us on our toll-free number 1800 103 6001  and speak with our team to know more.

Required Documents

To apply for a bike loan at Fullerton India, you would need to submit the below documents along with duly filled application form:

  • A proof of identity, which can be any among:
    • Aadhaar
    • Passport
    • Voter’s ID card
    • Driving licence
    • PAN card
    • Company ID card
    • Ration card with your photo affixed on it
  • A proof of address, which can be any among:
    • Aadhaar
    • Passport
    • Voter’s ID
    • Driving licence
    • Rental agreement
    • Utility bill including telephone, electricity, gas bills
    • Ration card
    • Property purchase agreement
    • Life insurance policy
    • A letter certifying your address from the company you work for (for select companies)
  • Proof of income
    • For salaried: latest salary slip or salary certificate with deductions, name and designation clearly mentioned
    • For self-employed: latest income tax return

How To Apply

To apply for a bike loan from Fullerton India, you can visit any of our branches to check for zero down payment bike loan eligibility. Our representative will guide you through the application process which includes filling up the loan application form and submitting the required documents. 

You can also apply for a bike loan by visiting Fullerton India’s website and clicking on the “Apply Now” button. On the following page, select “Two Wheeler Loan” and provide the required information. This will include your personal and current employment details. You can use the online two wheeler loan EMI calculator to get an estimate of the monthly EMI you would have to pay. Once submitted, our representative will reach out to you with the next steps.

6 Months
6 Months
36 Months

Your Calculated EMI*


How can we help?


Get in Touch

Have a query? You can contact us through any of the channels listed below.

Toll Free Number
1800 103 6001 Timings: 9:00 AM to 7:00 PM on all days (except Sundays, 4th Saturday of the month and public holidays).




Related Questions

Here are some articles which could help you understand us and our products better. Do share your comments and let us know what you think!

Two Wheeler Loan for Working Women
Other Loans

Two Wheeler Loan for Working Women

Avail two wheeler loan for working women at Fullerton India. Check for the eligibility criteria, documentation required for bike loan and apply…

Bike Loan for Students
Other Loans

Bike Loan for Students

Bike loan is available for students, check its interest rates, eligibility criteria, required documents & apply online!