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Superbike Loan Guide
Loans for premium and high-capacity motorcycles — rates, loan limits, tenure and income checks.
Updated 30 September 2026 · 8 lenders trackedLowest two-wheeler loan rate
8.90%
Indian Bank Two-Wheeler LoanWhat you need to know
Superbike loans cover premium motorcycles that cost several lakh rupees. They come with higher loan limits and longer tenure, but lenders apply stricter income and credit checks and may ask for a bigger down payment.
Superbike loan options
| Lender | Rate | Terms |
|---|---|---|
| SBI Super Bike Loan | 12.55% – 14.55% | Separate scheme for high-end motorcycles |
| Axis Bank super bike loan | From 11.00% (band up to 28%) | Tenure up to 60 months |
| PNB | 10.00% onwards | Loans up to ₹10 lakh |
| Bank of Baroda | 13.60% – 13.65% | Loans up to ₹10 lakh, 85% funding above ₹3 lakh |
What is different
- Higher loan amounts — regular schemes such as SBI’s cap at ₹3 lakh
- Stricter income and credit score criteria
- Higher insurance premium and GST of 40% on motorcycles above 350 cc (from 22 Sep 2025), which raises the on-road price
- Resale value and running costs matter more — plan for them
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Frequently asked questions
What is the maximum superbike loan?
Among lenders we track, PNB and Bank of Baroda lend up to ₹10 lakh; SBI and Axis Bank run separate super-bike schemes — ask for the current limit.
Why is GST higher on big bikes?
Under the GST rate changes from 22 Sep 2025, motorcycles up to 350 cc attract 18% and those above 350 cc attract 40%.
For information and comparison only. Loan terms, rates and rules change — confirm with the lender and read the Key Facts Statement before borrowing.