All Banks Two Wheeler Loan EMI Calculator 2025 - Compare Interest Rates | Thiyagi.com

All Banks Two Wheeler Loan EMI Calculator 2025

Compare two-wheeler loan EMI calculators from 189+ banks, NBFCs, and fintech companies. Find the best bike & scooter loan rates for 2025

189+
Total Lenders
8.50%
Lowest Rate*
7 Years
Max Tenure
₹5L
Max Amount*

General Two Wheeler Loan EMI Calculator

Calculate EMI without selecting a specific bank or lender

Calculate EMI Now

Private Banks (22)

HDFC Bank

Private
Interest Rate:
9.50% - 20.00%
Get Bike Loan EMI

ICICI Bank

Private
Interest Rate:
9.75% - 18.00%
Get Bike Loan EMI

Axis Bank

Private
Interest Rate:
10.00% - 19.00%
Get Bike Loan EMI

Kotak Mahindra Bank

Private
Interest Rate:
9.99% - 17.00%
Get Bike Loan EMI

YES Bank

Private
Interest Rate:
10.50% - 16.00%
Get Bike Loan EMI

Bandhan Bank

Private
Interest Rate:
11.00% - 20.00%
Get Bike Loan EMI

CSB Bank

Private
Interest Rate:
10.75% - 19.00%
Get Bike Loan EMI

City Union Bank

Private
Interest Rate:
11.50% - 20.00%
Get Bike Loan EMI

DCB Bank

Private
Interest Rate:
12.00% - 22.00%
Get Bike Loan EMI

Dhanlaxmi Bank

Private
Interest Rate:
11.75% - 21.50%
Get Bike Loan EMI

Federal Bank

Private
Interest Rate:
10.25% - 18.00%
Get Bike Loan EMI

IndusInd Bank

Private
Interest Rate:
10.00% - 19.00%
Get Bike Loan EMI

IDFC FIRST Bank

Private
Interest Rate:
9.50% - 17.50%
Get Bike Loan EMI

Karnataka Bank

Private
Interest Rate:
11.00% - 19.50%
Get Bike Loan EMI

Karur Vysya Bank

Private
Interest Rate:
11.25% - 20.50%
Get Bike Loan EMI

Nainital Bank

Private
Interest Rate:
12.00% - 22.00%
Get Bike Loan EMI

RBL Bank

Private
Interest Rate:
11.50% - 21.00%
Get Bike Loan EMI

South Indian Bank

Private
Interest Rate:
11.75% - 21.00%
Get Bike Loan EMI

Tamilnad Mercantile Bank

Private
Interest Rate:
12.50% - 22.50%
Get Bike Loan EMI

IDBI Bank

Private
Interest Rate:
10.50% - 18.50%
Get Bike Loan EMI

Jammu & Kashmir Bank

Private
Interest Rate:
10.75% - 18.50%
Get Bike Loan EMI

Catholic Syrian Bank

Private
Interest Rate:
11.25% - 19.00%
Get Bike Loan EMI

Local Area Banks (2)

Coastal Local Area Bank

LAB
Interest Rate:
11.50% - 18.00%
Get Bike Loan EMI

Krishna Bhima Samruddhi LAB

LAB
Interest Rate:
12.00% - 19.00%
Get Bike Loan EMI

Public Sector Banks (12)

State Bank of India (SBI)

PSU
Interest Rate:
10.00% - 16.00%
Get Bike Loan EMI

Punjab National Bank

PSU
Interest Rate:
10.50% - 17.00%
Get Bike Loan EMI

Bank of Baroda

PSU
Interest Rate:
10.25% - 16.50%
Get Bike Loan EMI

Bank of India

PSU
Interest Rate:
11.00% - 17.50%
Get Bike Loan EMI

Bank of Maharashtra

PSU
Interest Rate:
11.50% - 18.00%
Get Bike Loan EMI

Canara Bank

PSU
Interest Rate:
10.75% - 17.25%
Get Bike Loan EMI

Central Bank of India

PSU
Interest Rate:
11.25% - 18.25%
Get Bike Loan EMI

Indian Bank

PSU
Interest Rate:
10.50% - 16.75%
Get Bike Loan EMI

Indian Overseas Bank

PSU
Interest Rate:
11.00% - 18.00%
Get Bike Loan EMI

Punjab & Sind Bank

PSU
Interest Rate:
11.75% - 19.00%
Get Bike Loan EMI

UCO Bank

PSU
Interest Rate:
11.50% - 18.50%
Get Bike Loan EMI

Union Bank of India

PSU
Interest Rate:
10.80% - 17.50%
Get Bike Loan EMI

Small Finance Banks (14)

AU Small Finance Bank

SFB
Interest Rate:
11.00% - 22.00%
Get Bike Loan EMI

Equitas Small Finance Bank

SFB
Interest Rate:
10.99% - 21.00%
Get Bike Loan EMI

Ujjivan Small Finance Bank

SFB
Interest Rate:
12.00% - 20.00%
Get Bike Loan EMI

Capital Small Finance Bank

SFB
Interest Rate:
12.50% - 23.00%
Get Bike Loan EMI

ESAF Small Finance Bank

SFB
Interest Rate:
13.00% - 22.00%
Get Bike Loan EMI

Suryoday Small Finance Bank

SFB
Interest Rate:
12.25% - 21.00%
Get Bike Loan EMI

Utkarsh Small Finance Bank

SFB
Interest Rate:
13.50% - 24.00%
Get Bike Loan EMI

Jana Small Finance Bank

SFB
Interest Rate:
12.75% - 22.50%
Get Bike Loan EMI

slice Small Finance Bank

SFB
Interest Rate:
12.50% - 21.00%
Get Bike Loan EMI

Shivalik Small Finance Bank

SFB
Interest Rate:
13.25% - 23.50%
Get Bike Loan EMI

Unity Small Finance Bank

SFB
Interest Rate:
12.90% - 22.50%
Get Bike Loan EMI

North East Small Finance Bank

SFB
Interest Rate:
12.75% - 21.00%
Get Bike Loan EMI

Fincare Small Finance Bank

SFB
Interest Rate:
13.00% - 23.00%
Get Bike Loan EMI

Poorvanchal Bank

SFB
Interest Rate:
12.50% - 21.50%
Get Bike Loan EMI

NBFCs (30)

Bajaj Finserv

NBFC
Interest Rate:
11.00% - 25.00%
Get Bike Loan EMI

Tata Capital

NBFC
Interest Rate:
10.50% - 18.00%
Get Bike Loan EMI

Mahindra Finance

NBFC
Interest Rate:
12.00% - 20.00%
Get Bike Loan EMI

L&T Finance

NBFC
Interest Rate:
11.50% - 19.00%
Get Bike Loan EMI

Shriram Finance

NBFC
Interest Rate:
13.00% - 22.00%
Get Bike Loan EMI

Muthoot Finance

NBFC
Interest Rate:
14.00% - 24.00%
Get Bike Loan EMI

Indiabulls Housing Finance

NBFC
Interest Rate:
12.50% - 20.00%
Get Bike Loan EMI

PNB Housing Finance

NBFC
Interest Rate:
11.75% - 19.50%
Get Bike Loan EMI

HDFC Ltd

NBFC
Interest Rate:
10.25% - 17.50%
Get Bike Loan EMI

LIC Housing Finance

NBFC
Interest Rate:
11.00% - 18.75%
Get Bike Loan EMI

Aditya Birla Finance Limited

NBFC
Interest Rate:
11.50% - 23.00%
Get Bike Loan EMI

Bajaj Finance Ltd.

NBFC
Interest Rate:
10.99% - 25.00%
Get Bike Loan EMI

Cholamandalam Investment and Finance Company Limited

NBFC
Interest Rate:
11.75% - 23.50%
Get Bike Loan EMI

HDB Financial Services Limited

NBFC
Interest Rate:
12.00% - 24.00%
Get Bike Loan EMI

L&T Finance Limited

NBFC
Interest Rate:
11.25% - 22.00%
Get Bike Loan EMI

Mahindra & Mahindra Financial Services Ltd

NBFC
Interest Rate:
11.50% - 23.00%
Get Bike Loan EMI

Muthoot Finance Limited

NBFC
Interest Rate:
12.50% - 25.00%
Get Bike Loan EMI

Sammaan Capital Limited (Formerly Indiabulls Housing Finance Limited)

NBFC
Interest Rate:
11.00% - 21.00%
Get Bike Loan EMI

Shriram Finance Limited

NBFC
Interest Rate:
12.00% - 24.00%
Get Bike Loan EMI

Tata Capital Limited

NBFC
Interest Rate:
11.00% - 22.00%
Get Bike Loan EMI

Tata Sons Private Limited

NBFC
Interest Rate:
10.50% - 20.00%
Get Bike Loan EMI

360 ONE Prime Limited

NBFC
Interest Rate:
10.75% - 19.00%
Get Bike Loan EMI

Power Finance Corporation (PFC)

NBFC
Interest Rate:
9.50% - 15.00%
Get Bike Loan EMI

REC Limited

NBFC
Interest Rate:
9.75% - 15.50%
Get Bike Loan EMI

Indian Railway Finance Corporation (IRFC)

NBFC
Interest Rate:
9.00% - 14.00%
Get Bike Loan EMI

Housing and Urban Development Corporation (HUDCO)

NBFC
Interest Rate:
8.50% - 13.00%
Get Bike Loan EMI

Canfin Homes

NBFC
Interest Rate:
10.00% - 16.50%
Get Bike Loan EMI

Dewan Housing Finance

NBFC
Interest Rate:
11.50% - 18.00%
Get Bike Loan EMI

Indiabulls Commercial Credit

NBFC
Interest Rate:
12.50% - 20.00%
Get Bike Loan EMI

Reliance Home Finance

NBFC
Interest Rate:
11.00% - 17.50%
Get Bike Loan EMI

Fintech Companies (25)

ZestMoney

Fintech
Interest Rate:
12.00% - 36.00%
Get Bike Loan EMI

Kissht

Fintech
Interest Rate:
14.00% - 36.00%
Get Bike Loan EMI

CreditBee

Fintech
Interest Rate:
15.00% - 36.00%
Get Bike Loan EMI

MoneyView

Fintech
Interest Rate:
13.00% - 36.00%
Get Bike Loan EMI

LendingKart

Fintech
Interest Rate:
14.00% - 30.00%
Get Bike Loan EMI

Nira

Fintech
Interest Rate:
12.00% - 42.00%
Get Bike Loan EMI

FlexSalary

Fintech
Interest Rate:
16.00% - 36.00%
Get Bike Loan EMI

SmartCoin

Fintech
Interest Rate:
11.99% - 47.88%
Get Bike Loan EMI

CashBean

Fintech
Interest Rate:
12.00% - 36.00%
Get Bike Loan EMI

InCred

Fintech
Interest Rate:
11.49% - 24.00%
Get Bike Loan EMI

MoneyTap

Fintech
Interest Rate:
13.00% - 36.00%
Get Bike Loan EMI

Prefr

Fintech
Interest Rate:
12.00% - 30.00%
Get Bike Loan EMI

FairMoney

Fintech
Interest Rate:
14.00% - 36.00%
Get Bike Loan EMI

EarlySalary

Fintech
Interest Rate:
24.00% - 36.00%
Get Bike Loan EMI

PayMe

Fintech
Interest Rate:
18.00% - 36.00%
Get Bike Loan EMI

Upwards

Fintech
Interest Rate:
14.00% - 36.00%
Get Bike Loan EMI

Oxyzo

Fintech
Interest Rate:
12.00% - 30.00%
Get Bike Loan EMI

CredFlow

Fintech
Interest Rate:
11.00% - 24.00%
Get Bike Loan EMI

Rupifi

Fintech
Interest Rate:
12.00% - 36.00%
Get Bike Loan EMI

CapFloat

Fintech
Interest Rate:
12.00% - 36.00%
Get Bike Loan EMI

Finzy

Fintech
Interest Rate:
15.00% - 36.00%
Get Bike Loan EMI

KreditBee

Fintech
Interest Rate:
14.00% - 29.95%
Get Bike Loan EMI

Money Club

Fintech
Interest Rate:
0.00% - 24.00%
Get Bike Loan EMI

Ring

Fintech
Interest Rate:
18.00% - 36.00%
Get Bike Loan EMI

LazyPay

Fintech
Interest Rate:
20.00% - 36.00%
Get Bike Loan EMI

Two Wheeler Loan Comparison Guide 2025

Compare Rates

Compare interest rates from 189+ lenders to find the best deal for your bike or scooter loan.

Calculate EMI

Get instant EMI calculations with detailed amortization schedules and payment breakdowns.

Apply Online

Direct links to apply for two-wheeler loans with minimal documentation and quick approval.

Key Features to Compare

Interest Rates & Charges

  • • Annual interest rate (8.50% to 47.88%)
  • • Processing fees and documentation charges
  • • Prepayment penalties and charges
  • • Late payment fees and bounce charges

Loan Terms & Eligibility

  • • Maximum loan amount (up to ₹5 lakhs)
  • • Repayment tenure (6 to 84 months)
  • • Age criteria and income requirements
  • • Credit score requirements

Types of Lenders

Banks (Public & Private)

Traditional banks offer reliable two-wheeler loans with competitive rates ranging from 8.50% to 22%. They provide structured repayment options and established customer service networks.

Best for: Borrowers seeking traditional banking relationships and competitive rates.

NBFCs (Non-Banking Financial Companies)

NBFCs specialize in vehicle financing with flexible eligibility criteria and quick processing. Interest rates typically range from 9.00% to 25%, with faster approval processes.

Best for: Quick approvals and flexible documentation requirements.

Fintech Companies

Digital-first fintech lenders offer instant approvals and minimal documentation. Rates vary widely from 11% to 47.88%, with technology-driven underwriting processes.

Best for: Tech-savvy borrowers seeking instant digital approvals.

Small Finance Banks

Small finance banks focus on inclusive lending with competitive rates from 10.99% to 24%. They often serve underbanked segments with flexible policies.

Best for: Borrowers seeking inclusive lending policies and personalized service.

Frequently Asked Questions

What is the best interest rate for two-wheeler loans in 2025?

The best rates start from 8.50% for government NBFCs like HUDCO, while private banks typically offer rates between 9.50% to 20%. Your credit score and income significantly impact the rate offered.

How do I choose the best lender for my two-wheeler loan?

Consider interest rates, processing fees, prepayment charges, loan tenure, and customer service. Use our comparison tool to evaluate multiple lenders and choose based on your specific requirements.

What documents are typically required for two-wheeler loans?

Common documents include identity proof, address proof, income proof (salary slips/ITR), bank statements, and vehicle quotation. Fintech companies may require fewer documents for digital processing.

Can I get a two-wheeler loan with a low credit score?

Yes, some NBFCs and small finance banks offer two-wheeler loans with relaxed credit score requirements. However, expect higher interest rates and may need to provide additional documentation or guarantors.

Is it better to choose a bank or fintech company for two-wheeler loans?

Banks typically offer lower interest rates and established customer service, while fintech companies provide faster approvals and digital convenience. Choose based on your priority - lower cost or faster processing.