Central Bank of India Two-Wheeler Loan EMI Calculator
Pick one of the 3 Central Bank of India 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: 10.50% p.a. (Range: 10.50% – 11.60% p.a.). Read from Central Bank of India's own website; your rate depends on your profile.
A ₹1,00,000 loan at 10.5% over 3 years has an EMI of ₹3,250, and costs ₹17,010 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
Central Bank of India · Public sector bank
Cent Vehicle (2-Wheeler)
10.5%–11.6% (the calculator uses the lower figure)
Effective: Not stated (page 'Last Updated on 08.10.2026') · Last verified 21 Oct 2026 · Lender’s rate page
Monthly EMI
₹3,250
for 3 years
Principal
₹1,00,000
Total interest
₹17,010
Total payment
₹1,17,010
Principal vs interest
- Principal
- 85.5%
- ₹1,00,000
- Total interest
- 14.5%
- ₹17,010
Compare tenures
| Tenure | EMI | Total interest | Total payment |
|---|---|---|---|
| 1 year | ₹8,815 | ₹5,778 | ₹1,05,778 |
| 2 years | ₹4,638 | ₹11,301 | ₹1,11,301 |
| 3 years | ₹3,250 | ₹17,010 | ₹1,17,010 |
| 4 years | ₹2,560 | ₹22,900 | ₹1,22,900 |
| 5 years | ₹2,149 | ₹28,971 | ₹1,28,971 |
Amortisation Schedule
How each instalment splits between interest and principal over time.
Saved scenarios stay in this browser only. No sign-up.
Monthly EMI
₹3,250
Central Bank of India two-wheeler loan schemes
3 schemes, each read from Central Bank of India's own website. Pick any of them in the calculator above.
Electric two-wheeler for women (Cent EV 2-Wheeler for Females)
9.1% – 9.65%
Only for womenOnly for electric two-wheelersElectric
- Girl students / women
- Women-only EV scheme: 9.10%-9.65%
- Benchmark
- RBLR 8.50% + 0.60% to 1.15%
- Processing fee
- Not published on the page we checked
- Effective
- Not stated (page 'Last Updated on 08.10.2026')
- Last verified
- 21 Oct 2026
Cent Vehicle (2-Wheeler)
10.5% – 11.6%
- Benchmark
- RBLR 8.50% + 2.00% to 3.10%
- Processing fee
- Not published on the page we checked
- Effective
- Not stated (page 'Last Updated on 08.10.2026')
- Last verified
- 21 Oct 2026
* Based on CIC score.
Electric two-wheeler (Cent Go Green Vehicle)
10.5% – 11.6%
Only for electric two-wheelersElectric
- Benchmark
- RBLR 8.50% + 2.00% to 3.10%
- Processing fee
- Not published on the page we checked
- Effective
- Not stated (page 'Last Updated on 08.10.2026')
- Last verified
- 21 Oct 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 →
Central Bank of India two-wheeler loan rates
Verified on 21 October 2026 from Central Bank of India's site ↗
- Starting from
- 10.5% p.a.
- Published range
- 10.5% – 11.6%
- Processing fee
- Not published
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 Central Bank of India compares
Central Bank of India's two-wheeler loan starting rate of 10.5% is the 4th lowest of 17 banks with a verified rate. The lowest is Indian Bank at 8.9%, and the median is 11.45%.
- Central Bank of India
- ₹3,250
- 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
10.50% p.a.
10.50% – 11.60% p.a.
Not published
Applicable Conditions & Eligibility Factors:
- The starting rate is the lowest the bank publishes; your rate depends on credit score, income and employer
Source: Central Bank of India two-wheeler loan rates (official)
Rates subject to borrower risk-grade & RBI regulatory changes.How It Works
- 1Choose a Central Bank of India 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
- •Electric two-wheelers: Central Bank of India has a separate EV scheme.
- •Some Central Bank of India rates come with conditions (only for women; only for electric two-wheelers); 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: Central Bank of India Two-Wheeler Loan EMI Calculator
For a ₹1,00,000 loan at the starting rate of 10.5% a year for 3 years (36 months), the EMI is ₹3,250, with total interest of ₹17,010.
Frequently Asked Questions: Central Bank of India Two-Wheeler Loan EMI Calculator
- What is Central Bank of India's two-wheeler loan interest rate?
- Central Bank of India publishes two-wheeler loan rates starting from 10.5% a year (up to 11.6%), checked on 21 October 2026. The rate you are offered depends on your credit score, income and employer.
- Which Central Bank of India two-wheeler loan schemes does this calculator cover?
- Electric two-wheeler for women (Cent EV 2-Wheeler for Females); Cent Vehicle (2-Wheeler); Electric two-wheeler (Cent Go Green Vehicle). Each rate was read from Central Bank of India's own website; the table lists the source, effective date and date checked.
- Is Central Bank of India's processing fee included in the EMI?
- No, a Central Bank of India loan EMI covers principal and interest only. The Central Bank of India pages we checked do not publish a processing fee for these schemes, so ask the branch before you apply.
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