Axis Bank Two-Wheeler Loan 2026
Axis Bank offers two-wheeler loans for commuter bikes, scooters and super bikes, sourced largely through dealers. Interest rate 11.00% – 28.00%, loan As per model and profile, tenure 12 – 48 months; super bikes up to 60 months.
Rates as of Sep 2026 (bank + aggregator) · Checked 30 September 2026Axis Bank Two-Wheeler Loan at a glance
- Starting rate of 11% is competitive for a private bank
- Super bike loans up to 60 months
- Very wide rate band — weak profiles can pay up to 28%
- No part-prepayment; 5% foreclosure charge
Axis Bank two-wheeler loan interest rate & charges
| Feature | Axis Bank |
|---|---|
| Interest rate | 11.00% – 28.00% |
| Rate details | Axis Bank’s rate page lists 11.00% onwards; aggregators show a band of 10.50% – 28.00%. The top of the band applies to weaker credit profiles. |
| Processing fee | Up to 2.5% of loan + GST |
| Loan amount | As per model and profile |
| Tenure | 12 – 48 months; super bikes up to 60 months |
| Prepayment / foreclosure | Foreclosure charge 5% of outstanding; part-prepayment not allowed |
| Minimum income | ₹1.44 lakh a year (salaried); ₹2.5 lakh a year (self-employed) |
| Super bike loan | Separate scheme with tenure up to 60 months |
Special schemes & features
For premium motorcycles; tenure up to 5 years
Source: www.bankbazaar.com, Sep 2026 (bank + aggregator). Rates are indicative; your rate depends on your profile. Always check the Key Facts Statement (KFS) for the APR before signing.
EMI at Axis Bank’s rates
| Loan amount | EMI @ 11.00% | EMI @ 19.50% | EMI @ 28.00% |
|---|---|---|---|
| ₹75,000 | ₹2,455 | ₹2,768 | ₹3,102 |
| ₹1,00,000 | ₹3,274 | ₹3,691 | ₹4,136 |
| ₹2,00,000 | ₹6,548 | ₹7,382 | ₹8,273 |
Tenure 3 years, reducing-balance method. Total interest on ₹1,00,000 at 11.00%: ₹17,859.
Axis Bank two-wheeler loan EMI calculator
Eligibility
- Salaried or self-employed individuals
- Minimum income ₹1.44 lakh a year (salaried) or ₹2.5 lakh a year (self-employed)
- Good credit score — the rate band is very wide (up to 28%)
Documents required
- Photo ID and address proof (Aadhaar, passport, voter ID, driving licence)
- PAN card
- Salaried: last 3 months’ salary slips and Form 16
- Self-employed: last 2 years’ ITR and business proof
- Bank statements for the last 6 months
- Pro-forma invoice / quotation from the dealer
- Passport-size photographs
- Signed NACH/ECS mandate for EMIs
How to apply for Axis Bank Two-Wheeler Loan
- Choose model and get a quotationAsk the dealer for an itemised on-road price — ex-showroom, registration, insurance and any accessories.
- Compare offersGet a quote from your own bank and from the dealer’s financier. Compare APR, not the headline or flat rate.
- ApplyAt the branch, online, in the bank app or through the dealer, with KYC and income documents.
- Read the KFS and signCheck APR, fees, prepayment terms and EMI date; sign the agreement and NACH mandate.
- Disbursal and deliveryMoney is paid to the dealer; the lender’s hypothecation is recorded on the RC and you take delivery.
Axis Bank vs other lenders
| Lender | Rate | Processing fee | Tenure | EMI on ₹1,00,000 |
|---|---|---|---|---|
| Indian Bank Two-Wheeler Loan | 8.90% – 10.40% | About 1% of loan + GST (aggregator) | Up to 4 years (48 months) | ₹3,175 |
| Bandhan Bank Two-Wheeler Loan | 9.47% – 22.08% | Up to 5% of loan + GST (aggregator — check with bank) | Up to 4 years (48 months) | ₹3,202 |
| PNB Two-Wheeler Loan (PNB Saarthi) | 10.00% onwards | 0.50% of loan (min ₹500, max ₹1,000) + GST | Up to 5 years (60 EMIs) | ₹3,227 |
| Axis Bank Two-Wheeler Loan | 11.00% – 28.00% | Up to 2.5% of loan + GST | 12 – 48 months; super bikes up to 60 months | ₹3,274 |
| SBI Two-Wheeler Loan | 11.70% – 15.70% | 3% of loan + GST (50% waiver for salary-package customers) | Up to 5 years (60 months) | ₹3,307 |
| Federal Bank Two-Wheeler Loan | 12.60% – 16.00% | Not published — ask for the KFS | Up to 4 years (48 months) | ₹3,350 |
| Bank of Baroda Two-Wheeler Loan | 13.60% – 13.65% | 2% of loan (min ₹250) + GST | Up to 5 years (60 months) | ₹3,398 |
| HDFC Bank Two-Wheeler Loan | 14.50% onwards | Up to 2.5% of loan + GST; documentation charges extra (aggregators cite up to 2.25%) | 12 – 48 months | ₹3,442 |
Frequently asked questions
What is the Axis Bank Two-Wheeler Loan two-wheeler loan interest rate?
Axis Bank two-wheeler loan rates start at 11.00% and go up to 28.00% p.a. (as of Sep 2026 (bank + aggregator)). The rate you get depends on your credit score, income and loan details.
What is the EMI for ₹1,00,000 from Axis Bank?
At 11.00% for 3 years the EMI is about ₹3,274, with total interest of ₹17,859.
What is the processing fee?
Axis Bank: Up to 2.5% of loan + GST. GST at 18% applies on fees.
What is the maximum tenure?
Axis Bank: 12 – 48 months; super bikes up to 60 months.
Can I prepay or foreclose the loan?
Axis Bank: Foreclosure charge 5% of outstanding; part-prepayment not allowed.
Can I part-prepay an Axis Bank two-wheeler loan?
As per published terms, part-prepayment is not allowed; full foreclosure carries a 5% charge on the outstanding amount.
Information compiled from the lender’s published rates and reputable aggregators for comparison only. FinancePortal is not affiliated with Axis Bank Two-Wheeler Loan. Terms change — confirm with the lender.