Axis Bank Two-Wheeler Loan EMI Calculator
Pick one of the 2 Axis Bank two-wheeler loan schemes we read from the bank's own website, or type the rate you are offered, to see the EMI, total interest and repayment schedule.
Official Rate Formula & Benchmark:
EMI = P × r × (1 + r)^n ÷ ((1 + r)^n − 1), with P the loan amount and r the monthly rate.
Current official starting rate: 15.00% p.a. (Range: 15.00% – 25.00% p.a.). Read from Axis Bank's own website; your rate depends on your profile.
A ₹1,00,000 loan at 15% over 3 years has an EMI of ₹3,467, and costs ₹24,791 in total interest.
Picking a lender fills in its lowest published figure for that scheme. Your rate depends on your profile, course or vehicle, and can be higher. Compare all bike loan rates
Axis Bank · Private bank
Two Wheeler Loan
15%–25% (the calculator uses the lower figure)
Processing fee: Up to 2.5% of Loan Amount (LA) + GST
Effective: Not stated (table titled 'Oct 2026') · Last verified 21 Oct 2026 · Lender’s rate page
Monthly EMI
₹3,467
for 3 years
Principal
₹1,00,000
Total interest
₹24,791
Total payment
₹1,24,791
Principal vs interest
- Principal
- 80.1%
- ₹1,00,000
- Total interest
- 19.9%
- ₹24,791
Compare tenures
| Tenure | EMI | Total interest | Total payment |
|---|---|---|---|
| 1 year | ₹9,026 | ₹8,310 | ₹1,08,310 |
| 2 years | ₹4,849 | ₹16,367 | ₹1,16,367 |
| 3 years | ₹3,467 | ₹24,791 | ₹1,24,791 |
| 4 years | ₹2,783 | ₹33,589 | ₹1,33,589 |
| 5 years | ₹2,379 | ₹42,739 | ₹1,42,739 |
Amortisation Schedule
How each instalment splits between interest and principal over time.
Saved scenarios stay in this browser only. No sign-up.
Monthly EMI
₹3,467
Axis Bank two-wheeler loan schemes
2 schemes, each read from Axis Bank's own website. Pick any of them in the calculator above.
Super Bike Loan
11%
Only for super bikesSuper / premium bikes
- Benchmark
- 3 Yr MCLR 8.80% + 2.20%
- Processing fee
- For Vehicle cost up to ₹4 lakhs - ₹5,000 For Vehicle cost up to ₹4 to 10 lakhs - ₹6,000 For vehicle cost above ₹10 lakhs - 0.50% of the loan amount
- Effective
- Not stated
- Source
- Axis Bank's page ↗
- Last verified
- 21 Oct 2026
Two Wheeler Loan
15% – 25%
- Benchmark
- 3 Yr MCLR 8.80% + 6.20% to 16.20%
- Processing fee
- Up to 2.5% of Loan Amount (LA) + GST
- Effective
- Not stated (table titled 'Oct 2026')
- Source
- Axis Bank's page ↗
- Last verified
- 21 Oct 2026
The FAQ on /loans/two-wheeler-loans says 10.5% to 25%, which conflicts; the rates-page table is used. Axis says EVs get '50 bps lower Rate of Interest' but publishes no separate EV figure.
The rate you are offered depends on the bank's assessment and can be higher than the starting rate. Compare bike loan rates across lenders →
Axis Bank two-wheeler loan rates
Verified on 21 October 2026 from Axis Bank's site ↗
- Starting from
- 15% p.a.
- Published range
- 15% – 25%
- Processing fee
- Up to 2.5% of Loan Amount (LA) + GST
The rate you are offered depends on your credit score, income and employer and can be higher than the starting rate. RBI rules do not allow foreclosure or part-prepayment charges on floating-rate loans to individuals (other than for business purposes).
How Axis Bank compares
Axis Bank's two-wheeler loan starting rate of 15% is the 15th lowest of 17 banks with a verified rate. The lowest is Indian Bank at 8.9%, and the median is 11.45%.
- Axis Bank
- ₹3,467
- Indian Bank
- ₹3,175
- Median bank
- ₹3,295
Monthly EMI on ₹1,00,000 on a 3-year loan, at each bank's starting rate. Your own rate depends on the bank's assessment.
Rate Verification & Official Notice
15.00% p.a.
15.00% – 25.00% p.a.
Up to 2.5% of Loan Amount (LA) + GST
Applicable Conditions & Eligibility Factors:
- The starting rate is the lowest the bank publishes; your rate depends on credit score, income and employer
Source: Axis Bank two-wheeler loan rates (official)
Rates subject to borrower risk-grade & RBI regulatory changes.How It Works
- 1Choose a Axis Bank scheme: its rate, processing fee, effective date and source fill in.
- 2Enter the loan amount (the on-road price less your down payment) and the tenure.
- 3The EMI is a reducing-balance figure; the schedule shows principal and interest month by month.
Key Factors Influencing Your Rate
- •Super and premium bikes are priced as a separate scheme.
- •Some Axis Bank rates come with conditions (only for super bikes); they are tagged in the table, and the calculator starts on a rate open to all.
- •Your credit score, income and the bike's on-road price decide where in the range you land.
Worked Numerical Example: Axis Bank Two-Wheeler Loan EMI Calculator
For a ₹1,00,000 loan at the starting rate of 15% a year for 3 years (36 months), the EMI is ₹3,467, with total interest of ₹24,791.
Frequently Asked Questions: Axis Bank Two-Wheeler Loan EMI Calculator
- What is Axis Bank's two-wheeler loan interest rate?
- Axis Bank publishes two-wheeler loan rates starting from 15% a year (up to 25%), checked on 21 October 2026. The rate you are offered depends on your credit score, income and employer. Processing fee, in the bank's words: Up to 2.5% of Loan Amount (LA) + GST
- Which Axis Bank two-wheeler loan schemes does this calculator cover?
- Super Bike Loan; Two Wheeler Loan. Each rate was read from Axis Bank's own website; the table lists the source, effective date and date checked.
- Is Axis Bank's processing fee included in the EMI?
- No, a Axis Bank loan EMI covers principal and interest only. Axis Bank's processing fee, in the bank's own words, is listed against each scheme in the scheme table; it is usually paid upfront or deducted from the amount disbursed.
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