Two Wheeler Loan: Complete Guide to Bike Loan Scooty Loan Interest Rate EMI

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आज के समय में two wheeler loan भारत में सबसे ज़्यादा लिए जाने वाले loans में से एक है। चाहे आपको bike loan, scooty loan, या electric scooter loan चाहिए - सही interest rate, EMI और lender चुनना बहुत ज़रूरी है।

इस detailed guide में आप जानेंगे:

  • Two wheeler loan क्या है

  • Bike / scooter loan interest rate

  • Bank & NBFC wise comparison

  • EMI calculation

  • Used & second hand bike loan

  • Apply two wheeler loan online

What is a Two Wheeler Loan?

Two wheeler loan एक secured loan होता है जो bike, scooter या electric two wheeler खरीदने के लिए लिया जाता है। इसमें vehicle खुद collateral होता है।

Popular terms:

  • 2 wheeler loan

  • bike finance

  • scooter loan

  • two wheeler finance

Bike Loan vs Scooty Loan

Feature Bike Loan Scooty Loan
Engine High CC Low CC
EMI Slightly higher Lower
Interest Similar Similar
Best for Long travel City commute

? दोनों पर two wheeler loan interest rate almost same होती है।

Two Wheeler Loan Interest Rate in India

Average two wheeler loan interest rate depends on lender, credit score और tenure पर।

Lender Type Interest Rate
Banks 8.5% – 12%
NBFCs 10% – 20%
Dealer Finance 12% – 24%

Popular searches:

  • bike loan interest rate

  • two wheeler interest rate

  • bike emi interest rate

Lowest & Best Two Wheeler Loan Interest Rate (Bank Wise)

SBI Two Wheeler Loan

  • SBI two wheeler loan interest rate: 8.85% – 11%

  • Long tenure

  • Low EMI

  • Trusted PSU bank

Keywords covered: sbi two wheeler loan, sbi bike loan, sbi bike loan interest rate, sbi two wheeler loan apply online

HDFC Two Wheeler Loan

  • HDFC two wheeler loan interest rate: 9.25% – 13%

  • Fast digital approval

  • Best for salaried users

Keywords: hdfc two wheeler loan, hdfc bike loan, hdfc second hand bike loan

ICICI Two Wheeler Loan

  • ICICI two wheeler loan interest rate: 9.5% – 14%

  • Strong online process

  • Flexible EMI

Keywords: icici two wheeler loan, icici bank bike loan, icici bank two wheeler loan

Axis Bank Two Wheeler Loan

  • Axis two wheeler loan interest rate: 10% – 15%

  • Premium service

  • Good for urban users

Keywords: axis bank two wheeler loan, axis bike loan

Bajaj Finance Two Wheeler Loan

  • Bajaj finance two wheeler loan interest rate: 11% – 20%

  • Minimal documentation

  • Instant dealer approval

Keywords: bajaj finance two wheeler loan, bajaj finserv bike loan, bajaj two wheeler finance

Other Popular Lenders

  • IDFC two wheeler loan

  • Kotak two wheeler loan

  • Tata Capital two wheeler loan

  • Shriram two wheeler loan

  • TVS two wheeler loan

  • Hero bike finance

  • IndusInd bank two wheeler loan

? NBFCs approval fast देते हैं लेकिन interest थोड़ा ज्यादा होता है।

Bike EMI, Scooty EMI & EMI Calculation

EMI depends on:

  • Loan amount

  • Interest rate

  • Tenure

Example:
Bike price ₹1,00,000
Loan ₹90,000
Interest 10%
Tenure 24 months

? Bike loan EMI ≈ ₹4,150

Popular searches:

  • bike emi

  • scooty emi

  • bike loan emi

No Cost EMI Bike / 0 Interest Two Wheeler Loan – Truth

Keywords:

  • no cost emi bike

  • 0 interest two wheeler loan

? Reality:

  • Interest dealer include करता है

  • Processing fee ज्यादा होती है

  • Limited models only

Always check total payable amount.

Second Hand / Used Two Wheeler Loan

अगर आप नई bike नहीं लेना चाहते, तो used two wheeler loan best option है।

Types:

  • second hand bike loan

  • pre owned bike loan

  • used bike loan

Interest Rate:

  • Used bike loan interest rate: 14% – 24%

Popular searches:

  • second hand bike finance near me

  • used bike emi

Electric Scooter Loan / E-Bike Loan

EV demand बढ़ने के साथ electric scooter loan popular हो रहा है।

  • Interest: 8% – 12%

  • Government subsidy applicable

  • Low running cost

Keywords:

  • electric scooter loan

  • e bike loan

  • electric scooter loan interest rate

Bike Loan Near Me / Two Wheeler Loan Near Me

Local SEO keywords:

  • bike loan near me

  • two wheeler loan near me

  • two wheeler finance near me

? Local NBFCs & dealers same-day approval देते हैं, लेकिन interest compare ज़रूर करें।

Apply Two Wheeler Loan Online (Step-by-Step)

Keywords:

  • apply two wheeler loan

  • bike loan apply online

  • sbi two wheeler loan apply online

Process:

  • Bike / scooty select करें

  • Bank / NBFC choose करें

  • EMI & tenure select करें

  • Documents upload करें

  • Approval

  • Delivery

  • Bike Loan Eligibility & Documents

    Eligibility:

    • Age: 18–65

    • Monthly income: ₹10,000+

    • Credit score: 650+

    Documents:

    • Aadhaar

    • PAN

    • Address proof

    • Income proof

    Keywords:

    • bike loan eligibility

    • bike loan documents

    • bike loan check online

    Which Two Wheeler Loan is Best?

    ✔ Lowest interest → SBI / PSU banks ✔ Fast approval → Bajaj / NBFC ✔ Low credit score → Shriram / TVS Finance ✔ EV purchase → Electric scooter loan




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