Ujjivan SFB Two-Wheeler Loan EMI Calculator
Pick one of the 1 Ujjivan SFB two-wheeler loan scheme 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: 17.75% p.a. (Range: 17.75% – 24.00% p.a.). Read from Ujjivan SFB's own website; your rate depends on your profile.
A ₹1,00,000 loan at 17.75% over 3 years has an EMI of ₹3,603, and costs ₹29,694 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
Ujjivan Small Finance Bank · Small finance bank
Two-Wheeler Loan (Chakra)
17.75%–24% (the calculator uses the lower figure)
Processing fee: Up to 5% of loan amount + GST or ₹ 5,000[inclusive of GST] whichever is lower (w.e.f 13th Feb 2026)
Effective: Not stated · Last verified 21 Oct 2026 · Lender’s rate page
Monthly EMI
₹3,603
for 3 years
Principal
₹1,00,000
Total interest
₹29,694
Total payment
₹1,29,694
Principal vs interest
- Principal
- 77.1%
- ₹1,00,000
- Total interest
- 22.9%
- ₹29,694
Compare tenures
| Tenure | EMI | Total interest | Total payment |
|---|---|---|---|
| 1 year | ₹9,156 | ₹9,873 | ₹1,09,873 |
| 2 years | ₹4,980 | ₹19,530 | ₹1,19,530 |
| 3 years | ₹3,603 | ₹29,694 | ₹1,29,694 |
| 4 years | ₹2,924 | ₹40,383 | ₹1,40,383 |
| 5 years | ₹2,526 | ₹51,537 | ₹1,51,537 |
Amortisation Schedule
How each instalment splits between interest and principal over time.
Saved scenarios stay in this browser only. No sign-up.
Monthly EMI
₹3,603
Ujjivan SFB two-wheeler loan schemes
2 schemes, each read from Ujjivan SFB's own website. Pick any of them in the calculator above.
Two-Wheeler Loan (Chakra)
17.75% – 24%
- Processing fee
- Up to 5% of loan amount + GST or ₹ 5,000[inclusive of GST] whichever is lower (w.e.f 13th Feb 2026)
- Effective
- Not stated
- Source
- Ujjivan SFB's page ↗
- Last verified
- 21 Oct 2026
Mid-premium variant: fee capped at ₹10,000. The mean-rate page states the fee as 'Up to 4% ... or ₹5,000' (conflict).
Min / max rates (average 20.86% in last quarter)
15.75% – 25.1%
Rates actually charged (Average for last quarter; min/max as published, effective 27 Jul 2026), not a starting rate
- Processing fee
- Up to 4% of loan amount + GST or ₹5,000 inclusive of GST for Two Wheeler Loans and ₹10,000 inclusive of GST for Mid Premium Two Wheeler Loans [whichever is lower]
- Effective
- 27 Jul 2026
- Source
- Ujjivan SFB's page ↗
- Last verified
- 21 Oct 2026
Columns: 'Minimum Interest Rate*', 'Maximum Interest Rate*', 'Average Rate of Interest in last quarter**' and 'Effective Quarter' (27th July, 2026). Only the average (20.86%) is stated to be last quarter's.
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 →
Ujjivan SFB two-wheeler loan rates
Verified on 21 October 2026 from Ujjivan SFB's site ↗
- Starting from
- 17.75% p.a.
- Published range
- 17.75% – 24%
- Processing fee
- Up to 5% of loan amount + GST or ₹ 5,000[inclusive of GST] whichever is lower (w.e.f 13th Feb 2026)
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 Ujjivan SFB compares
Ujjivan SFB's two-wheeler loan starting rate of 17.75% is the 16th lowest of 17 banks with a verified rate. The lowest is Indian Bank at 8.9%, and the median is 11.45%.
- Ujjivan SFB
- ₹3,603
- 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
17.75% p.a.
17.75% – 24.00% p.a.
Up to 5% of loan amount + GST or ₹ 5,000[inclusive of GST] whichever is lower (w.e.f 13th Feb 2026)
Applicable Conditions & Eligibility Factors:
- The starting rate is the lowest the bank publishes; your rate depends on credit score, income and employer
Source: Ujjivan SFB two-wheeler loan rates (official)
Rates subject to borrower risk-grade & RBI regulatory changes.How It Works
- 1Choose a Ujjivan SFB 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: Ujjivan SFB Two-Wheeler Loan EMI Calculator
For a ₹1,00,000 loan at the starting rate of 17.75% a year for 3 years (36 months), the EMI is ₹3,603, with total interest of ₹29,694.
Frequently Asked Questions: Ujjivan SFB Two-Wheeler Loan EMI Calculator
- What is Ujjivan SFB's two-wheeler loan interest rate?
- Ujjivan SFB publishes two-wheeler loan rates starting from 17.75% a year (up to 24%), 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 5% of loan amount + GST or ₹ 5,000[inclusive of GST] whichever is lower (w.e.f 13th Feb 2026)
- Which Ujjivan SFB two-wheeler loan schemes does this calculator cover?
- Two-Wheeler Loan (Chakra). Each rate was read from Ujjivan SFB's own website; the table lists the source, effective date and date checked.
- Are the rates Ujjivan SFB actually charged shown too?
- Yes, Ujjivan SFB also discloses the rates it actually charged on loans it disbursed (Average for last quarter; min/max as published, effective 27 Jul 2026). Those are listed in the scheme table, labelled as rates actually charged, and are never used as the starting rate.
- Is Ujjivan SFB's processing fee included in the EMI?
- No, a Ujjivan SFB loan EMI covers principal and interest only. Ujjivan SFB'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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