Two Wheeler Loan EMI Calculator

Own a two-wheeler! Find out interest and EMI amount.

Quick calculation of your Two Wheeler Loan EMI
  • Amount:

    1L
    20L
    100000
  • Rate of Interest (%):

    6%
    22%
    6
  • Loan Terms (monthly):

    1
    35
    1

Monthly Payment

₹3,66,845
  • Note: This is an approximate value. The final value may differ.
Two-Wheeler Loan EMI Calculator

If you consider the convenience of going anywhere at any time, two-wheelers are the most practical vehicle that any person could own. Two-wheelers are the best riders amidst thick traffic and a careful driver could possess one by taking a bank loan for a two-wheeler.

Two-Wheeler Loan Amortization Schedule

A two-wheeler loan amortization schedule visually aids loan repayment in a tabular format. The details of the table include the loan amount, the balance after each payment, the interest rate, the amortization period, and the total payment. The payment comprises interest and principal. A two-wheeler loan EMI calculator also helps you get an idea of amortization.

How is Two-Wheeler Loan EMI Calculated?

Use a two-wheeler loan EMI calculator for calculating the equated monthly instalment (EMI) or use the EMI calculation formula for a two-wheeler loan .

EMI = principal amount + interest paid

Mathematically:

P x R x (1+R) ^N / [(1+R) ^N-1]

P = Principal amount of the loan

R = Rate of interest

N = Number of monthly instalments.

The EMI remains the same through the loan term monthly.

This is how it works. If the two-wheeler costs Rs 1 lakh, the loan interest rate is 13.35% p.a. and the loan term is for 60 months, you can use the bike EMI calculator or calculate manually.

EMI = 100000* 0.011125 * (1+ 0.011125) ^60 / ((1+ 0. 011125)^60)-1 = Rs 2293

The rate of interest rate (R) on your loan is calculated monthly i.e. (R= % Annual rate of interest/12). For instance, if R = 13.35% per annum, then R= 13.35%/12 = 0.011125

Must Read: How to Calculate EMI for Bike Loan: Tips and Tricks

Advantages of using the Bank of Baroda Two-Wheeler Loan EMI Calculator

Applying for the Bank of Baroda bike loan is the smart choice.

  • Borrowers can get attractive interest rates
  • The processing charges are minimal
  • Borrowers can seek high loan amounts of up to Rs. 10 lakhs.
  • Loan approval is speedily disbursed
  • A credit score is not a criterion for acquiring this loan, however, individuals can improve their credit score (Minimum CIBIL is Must)
  • The repayment tenure is flexible
  • No pre-closure charges
  • Documentation is hassle-free
  • Staff or ex-staff of the Bank of Baroda are not charged processing fees
How to use the Bank of Baroda Two-Wheeler Loan EMI Calculator Online?

The BOB two-wheeler loan EMI calculator is the fastest way to calculate your EMI. Visit us online to quickly calculate your EMI accurately. Find the three scrolls. Decide on which two-wheeler you wish to get, once you are privy to the principal, adjust the three bars Amount, Rate of Interest, and the Loan Term on the Bank of Baroda bike loan calculator to work out the best repayment option that suits you. Paying a high down payment will keep your EMI light and complete repayment within a short tenure.

Frequently Asked Questions (FAQs)

  • How is the EMI calculated for a two-wheeler loan?

    The EMI (equated monthly instalments) for a two-wheeler loan is calculated using the EMI formula P x R x (1+R)^N / [(1+R) ^N-1], where P is the principle loan amount, R is the rate of interest, and N is the number of months.

    However, you need not bother with manual EMI calculations using this formula. Instead, you can instantly compute your two-wheeler EMI, using online or electronic two-wheeler loan EMI calculators available on most lenders’ websites.

  • What is a two-wheeler loan EMI calculator?

    A two-wheeler loan EMI calculator is an online EMI calculation tool that calculates the exact equated monthly instalment or EMI amount payable against your two-wheeler loan. You can use this EMI calculator to compute the monthly instalment amount across varying loan amounts, tenures, and interest rates.

    The calculator is available online as a free tool, which you can access at any time.

  • How does the two-wheeler loan EMI calculator work?

    The two-wheeler loan EMI calculator uses the essential components of any loan, such as the principal loan amount, the monthly interest rate, and the loan repayment tenure, to compute the EMI amount. As the user, you need to input these values in the specified fields or tabs of the calculator and click on submit. Once you submit the figures, the calculator instantly produces the results.

    You can also modify the inputs until you arrive at an EMI amount that fits your monthly budget.

  • How do you calculate the EMI using a two-wheeler loan EMI calculator?

    Follow these steps mentioned below to calculate your Two-Wheeler Loan EMI.

    1. Enter the cost of your Two-Wheeler or the loan amount required in the ‘Amount’ section of the EMI calculator. Remember to deduct the down payment amount you intend to pay before entering the amount figure. You can enter a maximum amount of Rs.10 lakh.
    2. Input a reasonable interest rate in the ‘Rate of Interest’ You must input an interest rate not lower than the minimum rate levied by the lender. The tool will display the minimum interest rate for your benefit.
    3. Enter your preferred loan repayment tenure. Ensure that you choose a repayment tenure between 12 and 60 months.

    The two-wheeler loan EMI calculator will instantly compute the EMI amount. Alter the input values to suit your needs.

  • What are the advantages of using a two-wheeler loan EMI calculator online?

    The two-wheeler loan EMI calculator is a reliable and free-to-use tool that gives 100% accurate results. Since it is an electronic, online tool, there is no scope for errors caused due to manual calculation. It computes the payable EMI amount instantly.

    As a user, you can check the EMIs against various interest rates, loan amounts, and repayment terms. In a sense, it allows you to plan your loan repayment based on your budget. You can also access the calculator anytime, and there are no restrictions or limitations on usage.

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