Got more questions?
Locate the nearest branch for best assessment.
Locate Branches
Two Wheeler Loan Interest Rate (June 2026)
For loans with tenure up to 36 months
| 3 Yr MCLR | Spread over MCLR | Effective ROI | Reset |
|---|---|---|---|
| 8.90% | 6.10% - 16.10% | 15.00% - 25.00% | No reset |
For loans with tenure over 36 months
| Effective ROI |
|---|
| 15.00% - 25.00% |
ROI would vary basis vehicle model.
| Type | Charges |
|---|---|
| ROI min | 11.00% |
| ROI max | 25.00% |
| Processing fee | Up to 2.5% of Loan Amount (LA) + GST |
| Documentation charges | ₹750 per instance + GST |
| Cheque bounce/ EMI return charges | ₹500 per instance + GST |
| Cheque / Instrument swap charges | ₹500 per instance + GST |
| Duplicate statement issuance charges | ₹250 per instance + GST |
| Duplicate repayment schedule issuance charges | ₹250/- Per Instance |
| Duplicate no dues certificate / NOC | ₹250 per instance + GST |
| Penal Charges | Financial Default: 8% p.a. on the overdue amount (subject to aggregate penal charges not exceeding ₹1,00,000 (INR One lakh) per instance) Subject to minimum of Rs.300 (NO GST) |
| Material Terms & Conditions | Financial Default: 1. Non-payment of interest / installment on due date 2. Financial Default also includes all types of payment or financial defaults/irregularities with respect to the Loan Account |
| Part Payment Charges | 5% on the amount being prepaid. No Lock-in period for making part payment of the loan. |
| Foreclosure charges | 5% of the Principal Outstanding. No Lock-in period for foreclosing the loan. |
| Stamp duty | At actuals |
| Issuance of credit report | ₹50 per instance + GST |
| RC Collection Charge | ₹600 per instance + GST |
| Legal, repossession or incidental charges | At actuals |
| #Loan cancellation / Re-booking charges | ₹550 per instance + GST |
| Issuance charge for photocopy of loan agreement / documents | ₹250 per instance + GST |
- The charges mentioned are subject to change as per Bank's discretion from time to time.
- Goods and Service Tax (GST), as applicable, will be levied.
For further details Click here
Two Wheeler Loan EMI Calculator
Axis Bank’s Two-Wheeler loans offer up to 100%* funding and minimal documentation with tenures ranging from 12 to 48 months for Two-Wheeler Loans and 12 to 60 months for Super Bike Loans. Axis Bank also offers loan on electric two-wheelers of your choice. While loans for two-wheeler start at a minimum of ₹25,001, a super bike loan starts at a minimum of ₹1,00,000. Choose as per your budget. Use the Two-Wheeler EMI calculator to know your exact EMI before you choose.
₹
25K
1Cr
%
8% 28%
M
12M60M
Your EMI* ₹ 1,14,678
Get a call back*Equated Monthly Installment'
Note: To see amortization schedule, please click here.
Total Amount Payable
1,37,621
Already Applied? Track your application here
Have your Application ID or PAN Card ready for a hassle-free experience
Track NowRelated Products
Learning Hub
Look through our knowledge section for helpful blogs and articles.
Zero Down Payment Bike Loan
Buy a new bike without any upfront cost with a Zero Down Payment Bike Loan.
Two-Wheeler Loan for Women
Two wheeler loan for women
Bike Loan statement: Step-by-step guide to download & check
Track your Two-Wheeler Loan details effortlessly.
How to refinance Bike Loan?
Reduce EMIs and unlock favourable loan terms effortlessly.
Copyright@ 2026 Axis Bank