Bank of Baroda Two-Wheeler Loan EMI Calculator
Pick one of the 3 Bank of Baroda 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: 10.75% p.a. (Range: 10.75% – 13.65% p.a.). Read from Bank of Baroda's own website; your rate depends on your profile.
A ₹1,00,000 loan at 10.75% over 3 years has an EMI of ₹3,262, and costs ₹17,434 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
Bank of Baroda · Public sector bank
Digital two-wheeler loan (fixed)
10.75%–12.25% (the calculator uses the lower figure)
Processing fee: 2% of loan amount, with a minimum of Rs. 250/- plus applicable GST
Effective: 12 Oct 2026 · Last verified 21 Oct 2026 · Lender’s rate page
Monthly EMI
₹3,262
for 3 years
Principal
₹1,00,000
Total interest
₹17,434
Total payment
₹1,17,434
Principal vs interest
- Principal
- 85.2%
- ₹1,00,000
- Total interest
- 14.8%
- ₹17,434
Compare tenures
| Tenure | EMI | Total interest | Total payment |
|---|---|---|---|
| 1 year | ₹8,827 | ₹5,918 | ₹1,05,918 |
| 2 years | ₹4,649 | ₹11,581 | ₹1,11,581 |
| 3 years | ₹3,262 | ₹17,434 | ₹1,17,434 |
| 4 years | ₹2,572 | ₹23,482 | ₹1,23,482 |
| 5 years | ₹2,162 | ₹29,704 | ₹1,29,704 |
Amortisation Schedule
How each instalment splits between interest and principal over time.
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Monthly EMI
₹3,262
Bank of Baroda two-wheeler loan schemes
3 schemes, each read from Bank of Baroda's own website. Pick any of them in the calculator above.
Digital two-wheeler loan (fixed)
10.75% – 12.25%
- Benchmark
- MCLR-linked fixed
- Processing fee
- 2% of loan amount, with a minimum of Rs. 250/- plus applicable GST
- Effective
- 12 Oct 2026
- Source
- Bank of Baroda's page ↗ · fee page ↗
- Last verified
- 21 Oct 2026
Floating (BRLLR-linked)
12.65%
- Benchmark
- BRLLR 8.15% + SP + 4.25%
- Processing fee
- 2% of loan amount, with a minimum of Rs. 250/- plus applicable GST
- Effective
- 8 Oct 2026
- Source
- Bank of Baroda's page ↗ · fee page ↗
- Last verified
- 21 Oct 2026
0.05% extra if the customer does not opt for Group Credit Life Insurance. The fee page returned only a stub on the second check, so the fee was read once.
Fixed rate (MCLR), normal
13.65%
- Benchmark
- 1 year MCLR + SP + 4.65%
- Processing fee
- 2% of loan amount, with a minimum of Rs. 250/- plus applicable GST
- Effective
- 12 Oct 2026
- Source
- Bank of Baroda's page ↗ · fee page ↗
- Last verified
- 21 Oct 2026
MCLR w.e.f. 12.10.2026.
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 →
Bank of Baroda two-wheeler loan rates
Verified on 21 October 2026 from Bank of Baroda's site ↗
- Starting from
- 10.75% p.a.
- Published range
- 10.75% – 13.65%
- Processing fee
- Digital two-wheeler loan (fixed): 2% of loan amount, with a minimum of Rs. 250/- plus applicable 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 Bank of Baroda compares
Bank of Baroda's two-wheeler loan starting rate of 10.75% is the 5th lowest of 17 banks with a verified rate. The lowest is Indian Bank at 8.9%, and the median is 11.45%.
- Bank of Baroda
- ₹3,262
- 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
10.75% p.a.
10.75% – 13.65% p.a.
Digital two-wheeler loan (fixed): 2% of loan amount, with a minimum of Rs. 250/- plus applicable GST
Applicable Conditions & Eligibility Factors:
- The starting rate is the lowest the bank publishes; your rate depends on credit score, income and employer
Source: Bank of Baroda two-wheeler loan rates (official)
Rates subject to borrower risk-grade & RBI regulatory changes.How It Works
- 1Choose a Bank of Baroda 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
- •Your credit score, income and the bike's on-road price decide where in the range you land.
Worked Numerical Example: Bank of Baroda Two-Wheeler Loan EMI Calculator
For a ₹1,00,000 loan at the starting rate of 10.75% a year for 3 years (36 months), the EMI is ₹3,262, with total interest of ₹17,434.
Frequently Asked Questions: Bank of Baroda Two-Wheeler Loan EMI Calculator
- What is Bank of Baroda's two-wheeler loan interest rate?
- Bank of Baroda publishes two-wheeler loan rates starting from 10.75% a year (up to 13.65%), 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: Digital two-wheeler loan (fixed): 2% of loan amount, with a minimum of Rs. 250/- plus applicable GST
- Which Bank of Baroda two-wheeler loan schemes does this calculator cover?
- Digital two-wheeler loan (fixed); Floating (BRLLR-linked); Fixed rate (MCLR), normal. Each rate was read from Bank of Baroda's own website; the table lists the source, effective date and date checked.
- Is Bank of Baroda's processing fee included in the EMI?
- No, a Bank of Baroda loan EMI covers principal and interest only. Bank of Baroda'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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