Delicious and healthy Oats and Chocolate Loaf recipe. Perfectly moist, mocha flavored, loaded with oats. A wholesome loaf, perfect for breakfast, tea-time or a guilt-free dessert.
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Jump to:
- Most Requested Bake At Home
- The Ultimate Teen-Approved Snack List for the Holidays
- Why You Should Try This Eggless Oats & Chocolate Loaf
- Ingredients to Make Hearty Oats & Chocolate Loaf
- FAQ - Eggless Whole Wheat Oats & Chocolate Loaf
- Step by Step Instructions to Make Mocha Loaf Cake.
- Eggless Mocha Oats Loaf | Whole Wheat Tea-Time Loaf | Chocolate & Oats Loaf
Most Requested Bake At Home
never imagined an oats quick bread would become such a hit! I've baked this loaf four times just this week. The first time I made this Oats & Chocolate Breakfast Loaf, I gave it to friends. I didn't expect my boys to like it. But they tasted the two slices I had saved to enjoy with my evening coffee . That was enough to spark a full-blown protest.
My little fella immediately started teasing me, saying I never bake for them and only for my friends. He even pointed out how I baked a fresh Christmas cake exclusively for my friends. Hearing his complaints, the elder one also joined in. Apparently, during Diwali, the cereal bars and nut bars I baked, never quite made it to the boys either.
To make up for everything they missed, I went all out this week. I baked about two dozen mini loaves of the fluffiest oat bread. I even whipped up a batch of decadent apple pie bread rolls.

The Ultimate Teen-Approved Snack List for the Holidays
It's December and both my boys are home. The elder one is on his semester break and the younger fella is enjoying his Christmas holidays. With two teens under one roof, there is always someone opening the fridge, checking the snack box or asking, "Amma, anything to eat?"
To keep the peace, I plan and prep a few snacks over the weekend. This way, they at least have something to nibble on during the week.
We celebrated my mom's 83rd birthday this week, the chocolate lamingtons and coffee cake I made helped me survive the initial 2 days.
You've heard of pizza for dinner, but we took it up a notch and did pizza for lunch. If you're not a fan of the traditional version, you should try my bun pizza or pizza sandwich.
My younger one is obsessed with Tutti Frutti buns, while I personally have a weakness for puff pastry bakes. These cream cheese cones and vegetable puffs are my easy, reliable crowd-pleasers.
So tell me, which one of these would you like to bake first?
Why You Should Try This Eggless Oats & Chocolate Loaf
- Perfect for vegetarians and those looking for egg-free baking. Soft, moist and kid-approved!
- This moist whole wheat bake, works as a breakfast loaf, an after-school snack, or even a light dessert.
- Easy Recipe, No complicated steps, just mix, pour, bake. Beginner-friendly and quick to put together.
- Versatile Recipe. Add nuts, seeds, chocolate chips, or use jaggery for sugar. Swap milk for plant-based milk for a vegan-friendly loaf.
- Perfect for meal prep. Make it as a loaf or as individual muffins. Perfect ready to eat snack anytime.
- They pack well for travel. Carry it along for short picnics and get together. With Christmas and holidays coming up, these hearty oat muffins makes a great edible gift.
Ingredients to Make Hearty Oats & Chocolate Loaf
- Main Ingredients : Today's hearty loaf has whole wheat flour and oats. For personal reasons i bake only with whole wheat flour. You can use All purpose flour instead of whole wheat flour.
- Leavener : These oats & chocolate mini loaves uses both baking powder and baking soda.
- Egg replacement : I have used buttermilk as egg replacement.

- Flavors : I have baked these mini mocha loaves with vanilla extract and strong espresso for flavors.
- Sweetener : I have used white sugar to make this delicious mocha loaf loaded with walnuts and pumpkin seeds. You can also use powdered jaggery or brown sugar instead of white sugar.
- Fat : I have tried this loaf with butter and sunflower oil. You can use any flavorless oil.
- Add-ons : I have added broken walnuts and pumpkin seeds in the loaf. You can use your choice of nuts or use a combination of crunchy seeds like pumpkin seeds, or sunflower seeds.

FAQ - Eggless Whole Wheat Oats & Chocolate Loaf
Absolutely. i have made this oats chocolate loaf with jaggery. I add ¼ cup extra compared to white sugar. You can also use coconut sugar if you prefer.
Yes. Instant or quick-cooking oats work well. The loaf may be slightly softer, but the flavor and structure remain the same.
This oats and chocolate loaf is a quick bread, so it will be soft but will not rise big. If your bread flat or sunken in the middle, it might be beause of Over-mixing. Another reason could be expired baking powder/soda.
Yes you can. Substitute buttermilk with 1 cup soy milk mixed with 1 tablespoon vinegar. Let it sit for 10 minutes. Once curdled use it in the recipe.
I usually leave it on the counter for a day and refrigerate in an air-tight box for 3-4 days. If serving from the refrigerator, reheat the required portion in the microwave and serve warm.
I personally have not tried baking in my Air-fryer. But yes you can. I don't want give temperature and timing as i have not tried it personally. Will make the same recipe soon and update it here.

Step by Step Instructions to Make Mocha Loaf Cake.
Please check recipe card below for exact measurements of each ingredient used and also for the detailed instructions
- Measure all the ingredients and keep it ready on the counter. Mix in instant coffee and water, keep aside.
- In a wide bowl mix in all the dry ingredients. Flour, oats, and cocoa. Add in the chopped walnuts and pumpkin seeds too. (Please read notes in recipe card)
- If not adding the nuts and seeds now, sprinkle little flour mix into the nuts and seeds and keep aside to add finally.
- In another wide bowl, take buttermilk and sugar mix it together. add the baking soda and baking powder to this. Let it sit for 5 minutes to turn fluffy.
- Add ½ cup water to the buttermilk bowl, add that water too. Mix well to combine. Add in the instant coffee mix. If adding vanilla extract add now. Mix well. Finally add oil and mix well.

- Now slowly mix in the flour mix in 3 batches into wet ingredients. Using a whisk and later a spatula to get a uniform mix. Finally add the nuts and seeds and give it a mix
- If you find the batter too thick, add ¼ cup warm water to it and mix.
- Be careful while folding the dry and mix, do not beat vigorously. Be light and gentle. I prefer to use my spatula, cut and fold method.
- You can bake the cake into a single loaf or make them as single serve small muffins or mini loaves. Whichever pan you are using, grease them with oil and line it with a parchment.

- I made 3 batches one as a big loaf, one as 12 large muffins and 16 mini loaves.
- Preheat the oven to 160C. If baking as single large loaf, bake for 45-50 minutes or until a skewer inserted in the middle comes out clean. If baking as muffins it will be ready in 25-30 minutes. Keep an eye on them after 25 minutes.
- Once done, take them out of the oven, let it sit on the counter for 5-10 minutes. Remove them onto the wire rack.
- Let it cool, Enjoy them. My boys were super happy to enjoy them something so chocolatey and hearty.

Eggless Mocha Oats Loaf | Whole Wheat Tea-Time Loaf | Chocolate & Oats Loaf
Print Pin RateEquipment
- Measuring cups and spoons
- Convection oven
- Whisk and spatula
- Bowls for mixing the batter
- Weighing Scale for measuring ingredients
- Baking tray/pan
Ingredients
- 225 grams whole wheat flour Please read notes
- 125 grams whole oats
- 25 grams cocoa
- 2 teaspoon baking powder Please read notes
- ½ teaspoon baking soda Please read notes
- ¾ cup oil
- 3 tablespoon instant coffee
- 225 grams white sugar Can be substituted with jaggery, add ¼ cup extra.
- 210 ml buttermilk
Nuts and seeds
- 50 grams pumpkin seeds
- 50 grams walnuts
Toppings
- 30 grams walnuts
- 10 grams pumpkin seeds
Instructions
- Preheat the oven to 160C. Take flour, oats, cocoa in a wide bowl. Mix it well using a whisk to get a homogeneous mixture.
- Mix instant coffee with ¼ cup hot water, mix and keep aside.
- Take buttermilk in another bowl, wash the buttermilk measured cup with ¼ cup water and add that too. To this now add baking powder and baking soda , whisk well to dissolve.
- Keep this mixture aside for 2 minutes, as it will turn frothy and create some volume. To this add oil and coffee and mix.
- Add dry ingredients to wet, in batches and fold in using a spatula. Finally add in the nuts and seeds and mix gently.
- At this point, if you feel the batter is too tight to mix, add ¼ cup warm water and mix.
- Prepare a loaf pan/muffin pan by lining it with parchment. Pour the prepared batter into the pan, smoothen the top using the spatula. Add some nuts and seeds on top as garnish.
Baking Suggestions
- If baking as single large loaf, it will take around 45-50 minutes to bake. If baking as muffins or as mini loaves, it will take 25-30 minutes. I would suggest to keep an eye on them from 25 minutes.
- Bake these loaves in the preheated oven until the skewer inserted in the middle comes put clean.
- Once done, remove the loaf from the oven. Transfer it onto a wire race to cool completely.
Storing Suggestions
- The loaves stay good on the kitchen counter for a day.
- If storing for more, i suggest refrigerating in an air-tight container for 4-5 days.
- If serving from the refrigerator, reheat for 20 seconds and serve warm.
Notes
- i have baked this mocha loaf 4 times last week.
- First time i baked with white sugar and 1 cup of wheat flour (150 grams) . I added the baking powder and soda into the dry mix. Loved the final loaf, it was a bit dense like a banana bread but delish.
- Second time i increased the flour to 1.5 cups (225 grams) and used jaggery instead of white sugar.
- I also mixed the baking powder and soda into buttermilk and sugar mix. Waited for it to turn fluffy and then added the dry ingredients. Felt the loaf had a fluffy texture. Kids prefered the fluffy texture more to the dense mix.
Nutrition
Disclaimer
I m not a Doctor or a Nutritionist The Nutrition information provided above comes from the plugin and is only an estimate.







vaishali sabnani
The loaf looks sinful and the texture is fantastic Priya. Loved it! Any recipe with healthy options is welcome.
Rafeeda AR
God... that loaf looks killing... love that it hardly has butter but still looks moist...
Unknown
Looks awesome.. Healthier options hidden into chocolate is a great option!!! Love this bread...
Kalyani
Looks so good ! With d goodness of oats .. Do Pass me that slice ...
Suma Gandlur
Looks like a dense, yummy cake with a healthy dose of oats and wheat.
veena
Looks so good. You seem to be using oats a lot now
Harini R
Oats, chocolate, flour and sugar - can the combo ever go wrong??
Nalini's Kitchen
Interesting recipe,oats and wheat flour combo sounds healthy and delicious...
Rajani S
Priya looks like I should stop commenting past midnight :D. Though I read the title and went through the recipe, my mind registered that it was a brownie!! Sorry about the mess up and the brownie...er...loaf looks nice 😀
MySpicyKitchen
I would not mind starting my day with goodness of chocolate. Bread looks sinfully delicious
Srividhya
I can see the goodness of chocolate in each and every bit of the loaf
Varada's Kitchen
Very cake like. Hard to believe it is made with oats and wheat flour
Priya Suresh
All my favourite ingredients in a loaf, cant resist to the super moist loaf..
Pavani
Anything with chocolate will get a thumbs up in my household. This is such a deceptively delicious dish with oats & wholewheat. Looks yummy!!
The Pumpkin Farm
i believed it was a chocolate cake but went through the recipe couple of times and realised why you call it a loaf, it is like a the good ness of choclate spreaed bread loaf in one bite
Srivalli
Wow priya that loaf look so divine!..got to bake it soon..
Padmajha
This is so healthy Priya! Would love to bake this and sure to be a hit with the kids....
Sandhya Ramakrishnan
This breakfast would be o welcome in my house! Looks delicious and is healthy as well 🙂
Gayathri Kumar
Love that chocolatey bread a lot. And looking at all the ingredients it is surely nutritious too...
Archana
Oooooooo lala! Love it Priya. I want to try this. Tomorrow breakfast at my place.