Calculators
Two-Wheeler Loan Eligibility Calculator
How much bike loan your income supports after existing EMIs.
Updated 30 September 2026 · 8 lenders trackedFree calculator
Instant results
Reducing-balance maths, Indian formatsAbout this calculator
Banks cap your total EMIs (existing + new) at a share of take-home pay, usually 50% – 60%. Enter your income and current EMIs to see the maximum EMI and loan you can get, then check it against the lender’s funding limit (typically 70% – 90% of on-road price).
Two-Wheeler Loan Eligibility Calculator
Minimum income by lender
| Lender | Minimum income |
|---|---|
| SBI | ₹10,000/month |
| PNB | ₹10,000/month net |
| HDFC Bank | ₹10,000/month |
| Indian Bank | ₹10,000/month salaried |
| Axis Bank | ₹1.44 lakh/year salaried |
| Federal Bank | ₹20,000 take-home after EMIs (aggregator) |
Funding limits
| Lender | Funding (share of price) | Loan amount | Tenure |
|---|---|---|---|
| Indian Bank Two-Wheeler Loan | 70% – 75% of price (25% – 30% margin) | Up to ₹10 lakh | Up to 4 years (48 months) |
| Bandhan Bank Two-Wheeler Loan | Up to 95% of on-road price (typically 90%) | Up to ₹5 lakh | Up to 4 years (48 months) |
| PNB Two-Wheeler Loan (PNB Saarthi) | 90% of on-road price for salaried with salary via PNB/check-off; 75% for business concerns | Up to ₹10 lakh | Up to 5 years (60 EMIs) |
| Axis Bank Two-Wheeler Loan | — | As per model and profile | 12 – 48 months; super bikes up to 60 months |
| SBI Two-Wheeler Loan | Up to 85% of on-road price | ₹50,000 – ₹3 lakh (regular two-wheeler) | Up to 5 years (60 months) |
| Federal Bank Two-Wheeler Loan | On ex-showroom price (not on-road) | Based on ex-showroom price | Up to 4 years (48 months) |
| Bank of Baroda Two-Wheeler Loan | 90% of price for loans up to ₹3 lakh; 85% above ₹3 lakh | Up to ₹10 lakh | Up to 5 years (60 months) |
| HDFC Bank Two-Wheeler Loan | Up to 100% of vehicle price (select customers/models) | Up to 100% of vehicle price for eligible customers and models | 12 – 48 months |
Frequently asked questions
Why is my sanctioned loan lower than the calculator shows?
Banks also cap the loan at a share of the vehicle price and may apply stricter FOIR for lower incomes or weaker credit scores.
For information and comparison only. Loan terms, rates and rules change — confirm with the lender and read the Key Facts Statement before borrowing.