Lowest Bike Loan Interest Rates (October 2026)

Each starting rate was read from the bank's own website or rate document and dated; each row links to its source. A row marked "may be outdated" has not been re-checked for more than 45 days.

For loans a lower rate is better, so the list starts with the lowest. The starting rate is the best the bank offers, usually to borrowers with a high credit score; many people are offered more.

The EMI shown uses the starting rate for the amount and tenure you enter. Processing fees, insurance and other charges are not included; fees are shown in the bank's own words where it publishes them.

Where a lender publishes several two-wheeler schemes, its row shows its lowest open-to-all published rate for a new bike and names the scheme. Rates only for women, electric, premium or used bikes, salaried borrowers or with collateral, and rates whose eligibility is unclear, are ranked with a tag but not used as the lowest starting rate; the lowest such rate is shown below it when lower.

A row marked "rates actually charged" is a disclosure of the lowest and highest rates the lender charged on loans in a period, not a starting rate; it is shown for reference and left out of the lowest and highest figures.

Finance companies (NBFCs) are shown with their lender type. Some publish only a ceiling or a policy range; those are listed under the table but not ranked.

Rates as of 21 October 2026.