Calculators
Bike Affordability Calculator
Work out the bike or scooter price you can afford from your monthly EMI budget and savings.
Updated 30 September 2026 · 8 lenders trackedFree calculator
Instant results
Reducing-balance maths, Indian formatsAbout this calculator
Start with the EMI you can comfortably pay and the cash you have for the down payment. The calculator finds the loan your EMI supports and the on-road price that fits within a 90% funding limit. Keep separate money for accessories and the first service.
Bike Affordability Calculator
Rule of thumb
- Keep the bike EMI within about 10% – 15% of take-home pay
- Budget running costs — fuel or charging, servicing, insurance renewal — on top of the EMI
- Prefer a 2–3 year tenure; two-wheelers lose value quickly
- Price used here is on-road price, not ex-showroom
EMI on common loan sizes
| Loan amount | EMI @ 9.50% | EMI @ 12.00% | EMI @ 15.00% |
|---|---|---|---|
| ₹75,000 | ₹2,402 interest ₹11,489 | ₹2,491 interest ₹14,679 | ₹2,600 interest ₹18,596 |
| ₹1,00,000 | ₹3,203 interest ₹15,319 | ₹3,321 interest ₹19,572 | ₹3,467 interest ₹24,795 |
| ₹2,00,000 | ₹6,407 interest ₹30,637 | ₹6,643 interest ₹39,143 | ₹6,933 interest ₹49,590 |
Tenure 3 years, reducing-balance EMI.
Frequently asked questions
Should I stretch my budget for a bigger bike?
Remember that fuel, insurance and servicing costs rise with engine size; a higher EMI plus higher running costs can strain monthly cash flow.
For information and comparison only. Loan terms, rates and rules change — confirm with the lender and read the Key Facts Statement before borrowing.