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We are one of India's Most Progressive Automobile Finance Companies. With an aspiration to empower Indians human ambition, we offer fund and non-fund based financial services to retail, corporate and institutional customers through the wide network of branches of Muthoot Fincorp Ltd, group's flagship Company.

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  • Muthoot Capital Services Ltd. 3rd Floor, Muthoot Towers M.G. Road, Kochi - 682035 Kerala, India
  • CIN: L67120KL1994PLC007726
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  5. Two Wheeler Loan Interest Rate

Drive your Dreams with Two Wheeler Loan Interest Rate up to 100% Financing

  • Low interest rates on bike & scooter loans. Interest rates start @ 0.99%*
  • Maximum two-wheeler loan disbursement
  • Longer loan tenure of up to 60 months

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Two Wheeler Loan Interest Rate

The bike loan interest rate by Muthoot Capital starts from as low as 0.99%*. One of the first things you need to know when finalising a two wheeler loan is the interest rate. This can be a game changer, as it will show you the EMI amount and how it affects your monthly budget.

 

  • Interest Rate:  0.99%* onwards
  • Maximum Repayment Tenure:  60 months
  • Processing Fee and Documentation Charges :  Applicable as per the scheme 

 

Example: Aryan is buying a bike for ₹1.25 lakh. Muthoot Capital offers 95% of the total cost, allowing him to secure a loan of ₹1,18,750. With a repayment tenure of 48 months, the EMI will be approximately ₹3,127

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Two-Wheeler Loan starting @

5.5%

Let us cherish and nurture that trust and ensure that every person who deals with us deals with the confidence that he will not be misguided

Salaried or self-employed persons.
Upto 100% Funding
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Flexible Tenure
Upto

60 Months

Use our Two-Wheeler EMI calculator to know your monthly installment

Use our EMI calculator to know your monthly installment. Select the loan amount, the applicable rate of interest, and tenure. In an instant, you will get the details of the installment, and the total amount payable. It is a free tool which is easy to use and is designed to help you make informed decisions.

Two-Wheeler Loan Schedule of Charges

  • Please click the link below to view charges.

    Schedule of Charges

Two Wheeler Loan Interest Rates

5.5% PA Onwards

Maximum Repayment tenure

60 Months

 

Types of Two wheeler Loan Interest Rate

 

When you opt for a Two-wheeler Loan, you have two options to choose from in terms of interest rates- Fixed and Floating. They have some fundamental differences, which you can consider while choosing one for you:

 

Fixed Interest Rate    Floating Interest Rate
This rate is determined at the beginning of the loan and remains the same throughout the tenure. Thus, you can plan your repayment accordingly.    A floating interest rate changes over time and is tied to a benchmark index. It adjusts periodically, reflecting market conditions and offering potential savings or increased costs depending on rate fluctuations.
 
Example: The EMI for a ₹1.25 lakh bike loan at a fixed interest rate of 0.99% per month for 4 years (48 months) is approximately ₹3,284.37. Example: The EMI in this case depends on how the market rates are behaving. Therefore, the initial payments will be the same as fixed rates.
 

 

Factors Influencing Two-Wheeler Loan Interest Rates

 

Several factors determine the interest rate on Two-Wheeler Finance. These include:

 

  • Type of Vehicle: The interest rate varies depending on the type of bike you are purchasing. Each vehicle type has different financing needs and risk profiles, which affect the rate offered.
  • Employment Nature: Salaried individuals generally enjoy lower interest rates compared to non-working professionals due to a steady and credible income source. A salaried individual’s ability to consistently repay the loan is more predictable, reducing the lender’s risk.
  • Repayment Capacity: Your repayment capacity, assessed by considering your regular expenses and other financial commitments, influences the 2-Wheeler Loan amount and interest rate. This is known as the Loan-to-Value (LTV) ratio calculation. A higher repayment capacity typically results in better loan terms, including a lower interest rate.

     

Frequently Asked Questions

Get all your questions answered about Muthoot Two-Wheeler Loan!