IndusInd Bank Two-Wheeler Loan EMI Calculator
Pick one of the 2 IndusInd 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: 13.00% p.a. (Range: 13.00% – 30.00% p.a.). Read from IndusInd Bank's own website; your rate depends on your profile.
A ₹1,00,000 loan at 13% over 3 years has an EMI of ₹3,369, and costs ₹21,301 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
IndusInd Bank · Private bank
Normal bikes (fixed)
13%–30% (the calculator uses the lower figure)
Processing fee: NEW : 4.00% USED : 4.00% (maximum percentage)
Effective: 1 Apr 2024 · Last verified 21 Oct 2026 · Lender’s rate page
Monthly EMI
₹3,369
for 3 years
Principal
₹1,00,000
Total interest
₹21,301
Total payment
₹1,21,301
Principal vs interest
- Principal
- 82.4%
- ₹1,00,000
- Total interest
- 17.6%
- ₹21,301
Compare tenures
| Tenure | EMI | Total interest | Total payment |
|---|---|---|---|
| 1 year | ₹8,932 | ₹7,181 | ₹1,07,181 |
| 2 years | ₹4,754 | ₹14,101 | ₹1,14,101 |
| 3 years | ₹3,369 | ₹21,301 | ₹1,21,301 |
| 4 years | ₹2,683 | ₹28,768 | ₹1,28,768 |
| 5 years | ₹2,275 | ₹36,526 | ₹1,36,526 |
Amortisation Schedule
How each instalment splits between interest and principal over time.
Saved scenarios stay in this browser only. No sign-up.
Monthly EMI
₹3,369
IndusInd Bank two-wheeler loan schemes
2 schemes, each read from IndusInd Bank's own website. Pick any of them in the calculator above.
High-end / high-street bikes (fixed)
11% – 28%
Only for high-end / high-street bikesSuper / premium bikes
- Benchmark
- Fixed
- Processing fee
- NEW : 4.00% USED : 4.00% (maximum percentage)
- Effective
- 1 Apr 2024
- Source
- IndusInd Bank's page ↗
- Last verified
- 21 Oct 2026
Schedule of charges effective 01.04.2024. Refinanced: 13.00% to 30.00%.
Normal bikes (fixed)
13% – 30%
- Benchmark
- Fixed
- Processing fee
- NEW : 4.00% USED : 4.00% (maximum percentage)
- Effective
- 1 Apr 2024
- Source
- IndusInd Bank's page ↗
- Last verified
- 21 Oct 2026
From the schedule of charges effective 01.04.2024, still the live document; the product page publishes no rate.
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 →
IndusInd Bank two-wheeler loan rates
Verified on 21 October 2026 from IndusInd Bank's site ↗
- Starting from
- 13% p.a.
- Published range
- 13% – 30%
- Processing fee
- NEW : 4.00% USED : 4.00% (maximum percentage)
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 IndusInd Bank compares
IndusInd Bank's two-wheeler loan starting rate of 13% is the 13th lowest of 17 banks with a verified rate. The lowest is Indian Bank at 8.9%, and the median is 11.45%.
- IndusInd Bank
- ₹3,369
- 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
13.00% p.a.
13.00% – 30.00% p.a.
NEW : 4.00% USED : 4.00% (maximum percentage)
Applicable Conditions & Eligibility Factors:
- The starting rate is the lowest the bank publishes; your rate depends on credit score, income and employer
Source: IndusInd Bank two-wheeler loan rates (official)
Rates subject to borrower risk-grade & RBI regulatory changes.How It Works
- 1Choose a IndusInd 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 IndusInd Bank rates come with conditions (only for high-end / high-street 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: IndusInd Bank Two-Wheeler Loan EMI Calculator
For a ₹1,00,000 loan at the starting rate of 13% a year for 3 years (36 months), the EMI is ₹3,369, with total interest of ₹21,301.
Frequently Asked Questions: IndusInd Bank Two-Wheeler Loan EMI Calculator
- What is IndusInd Bank's two-wheeler loan interest rate?
- IndusInd Bank publishes two-wheeler loan rates starting from 13% a year (up to 30%), 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: NEW : 4.00% USED : 4.00% (maximum percentage)
- Which IndusInd Bank two-wheeler loan schemes does this calculator cover?
- High-end / high-street bikes (fixed); Normal bikes (fixed). Each rate was read from IndusInd Bank's own website; the table lists the source, effective date and date checked.
- Is IndusInd Bank's processing fee included in the EMI?
- No, a IndusInd Bank loan EMI covers principal and interest only. IndusInd 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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