Official Rates • Updated Oct 2026AU Small Finance Bank Two Wheeler Loan Calculator 2026
Verified AU Bank bike & scooter loan rates of 13.00% - 28.00% p.a. — calculate your EMI with down payment, total interest & repayment schedule.
Interest Rate
13.00% - 28.00%
Profile & vehicle linked
Processing Fee
New and used vehicles: up to 4% of loan amount; documentation charges up to INR 3,000
≈ ₹4,000 for current loan
Max Funding
Up to 100%
Of vehicle price
Loan Tenure
Up to 60 months
5 years max
Bike Loan Calculator
Calculate Your Two Wheeler EMI Instantly
Plan your bike, scooter, or electric two-wheeler purchase with our compact EMI calculator – quick, simple, and always on top!
₹
One Lakh Twenty Thousand rupees
₹
Twenty Thousand rupees
AU Bank official range: 13% - 28%Verified from official website
%
13%28%
years
Monthly EMI
₹3.37 K
for 3 years
Loan Amount
₹1.00 L
Total Interest
₹21.30 K
Total Amount
₹1.21 L
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AU Bank Foreclosure Charge Calculator
See exactly what closing this loan early would cost you — and whether the interest you save makes it worth it.
₹
EMIs paid when you close9 mos
035 months
Estimated Foreclosure Fee (%)3% + GST
Outstanding
₹78,511
Foreclosure fee
₹2,779
3% of outstanding + GST
Total to close
₹81,290
Interest saved
₹12,463
Closing now leaves you ₹9,683 better off
₹12,463 interest avoided − ₹2,779 fee = ₹9,683 net benefit.
| Close after | Outstanding | Fee | Net benefit |
|---|---|---|---|
| 6 mos | ₹85,907 | ₹3,041 | ₹12,134 |
| 12 mos | ₹70,872 | ₹2,509 | ₹7,484 |
| 24 mos | ₹37,724 | ₹1,335 | ₹1,373 |
Official AU Bank Foreclosure & Prepayment Terms
Published schedule of charges • Verified banking disclosure
AU Bank publishes descriptive terms for preclosure charges. Use the fee percentage slider in the calculator above to model your exact payoff statement.
Verbatim Published Clause
“5% of balance amount if paid before 12 months / 4% of balance amount if paid after 12 months (fixed rate). No prepayment/foreclosure charges on floating-rate loans to individuals for other than business purposes”
18% GST Applicable: Prepayment & foreclosure fees attract 18% statutory GST as mandated by Government of India taxation rules.
Payoff Calculation: Estimates assume a monthly reducing balance. Official payoff statement from AU Bank will include exact accrued interest up to the settlement date.
AU Bank Two Wheeler Loan Interest Rate & Charges (2026)
Interest rate, processing fee, tenure and prepayment terms as published by AU Bank
| Particulars | AU Bank Two Wheeler Loan |
|---|---|
| Interest Rate | 13.00% - 28.00% p.a. |
| Processing Fee | New and used vehicles: up to 4% of loan amount; documentation charges up to INR 3,000 |
| Foreclosure / Prepayment | 5% of balance amount if paid before 12 months / 4% of balance amount if paid after 12 months (fixed rate). No prepayment/foreclosure charges on floating-rate loans to individuals for other than business purposes |
| Maximum Funding (LTV) | Up to 100% of the vehicle price |
| Maximum Tenure | 60 months (5 years) |
| Effective Date | Rates: 1st Apr'26 to 30th Jun'26; charges: FY 2026-27 |
Important Notes
- The 13% minimum is from AU's disclosure of rates on two wheeler loans actually sanctioned to individuals in Apr-Jun 2026 ("A_Wheels - 2Wheeler 13.00 28.00 20.25"). AU's own rate card publishes only an "Up to 28%" ceiling.
- Foreclosure wording differs on AU's two wheeler page: the fee table says 5% / 4%, the FAQ says 5% within 12 months and 3% after 12 months. Both are as published.
- Funding: page banner says "Up To 100% On-Road Funding"; FAQ says up to 100% of ex-showroom price net of discounts. Minimum loan Rs.20,000; tenure 6 months to 5 years.
- Charges: https://www.au.bank.in/charges-for-wheels-product ; product: https://www.au.bank.in/personal-banking/vehicle-loan/two-wheeler-loan
Last verified against the official AU Bank website on Oct 2026.
AU Bank Two Wheeler Loan Scheme-wise Rates
AU Bank publishes separate rates for these two wheeler loan variants.
| Scheme / Segment | Interest Rate (p.a.) |
|---|---|
| Rates on loans sanctioned, Apr-Jun 2026Mean 20.25%; individual borrowers | 13.00% - 28.00% |
| Published card ceiling (new and used two-wheeler)Schedule of charges FY 2026-27: "Interest Rate | Up to 28%" | N/A |
Compare AU Bank with Other Two Wheeler Loan Lenders (2026)
Bike loan interest rates from each lender's official website, sorted by lowest starting rate.
Comparing for₹1,00,000 (36 mo)
Sort by:
| Lender | Interest Rate (p.a.) | Est. Monthly EMI | Calculated Processing Fee | Total Payable (incl. fees & interest) |
|---|---|---|---|---|
| 9.00% - 24.00% | ₹3,180 | Up to ₹5,000 | ₹1,19,480 | |
| 10.50% - 11.50% | ₹3,250 | 0.50% of loan amount + GST (loan up to Rs.10 lakh); stamp duty at actual; log-in charges Rs.2,000 for applicant and Rs.1,300 for each co-applicant/guarantor (non-refundable) | ₹1,17,000 | |
| 13.00% - 28.00% | ₹3,369 | Up to ₹4,000 | ₹1,25,284 | |
| from 13.30% | ₹3,384 | Not published | ₹1,21,824 | |
| 14.49% - 24.00% | ₹3,442 | Up to ₹4,000 | ₹1,27,912 | |
| 16.40% - 26.00% | ₹3,535 | Up to ₹5,000 | ₹1,32,260 |
Live figures calculated for ₹1,00,000 over 36 months. Rates and fee formulas sourced directly from each lender's official website (last verified 7 Oct 2026) and auto-refreshed. GST at 18% is added where charged by the lender.
AU Bank Bike Loan EMI: Worked Example
Live from the calculator above: a ₹1,20,000 bike with ₹20,000 down payment, financed at 13% p.a. for 36 months.
Loan Amount
₹1,00,000
Monthly EMI
₹3,369
Total Interest
₹21,284
Processing Fee
≈ ₹4,000
AU Bank Two Wheeler Loan EMI per ₹1 Lakh
EMI on a ₹1,00,000 loan at AU Bank's lowest and highest published rate.
| Tenure | EMI @ 13% | EMI @ 28% |
|---|---|---|
| 12 months | ₹8,932 | ₹9,651 |
| 24 months | ₹4,754 | ₹5,489 |
| 36 months | ₹3,369 | ₹4,136 |
| 48 months | ₹2,683 | ₹3,485 |
| 60 months | ₹2,275 | ₹3,114 |
Before You Apply for a AU Bank Two Wheeler Loan
- Compare the all-in cost, not just the rate. Processing fee, documentation charges and insurance bought through the dealer can add more than a 1% rate difference on a small bike loan.
- A bigger down payment cuts interest fastest. Bike loans are short, so every ₹10,000 less borrowed saves interest across the whole tenure.
- Check foreclosure terms. Many borrowers close bike loans early; AU Bank's published terms are listed in the Rates & Charges table above.
- Typical documents: PAN, Aadhaar / address proof, income proof (salary slips or ITR), recent bank statements and the dealer's quotation. The vehicle is hypothecated to AU Bank until the loan is closed, after which you get an NOC to remove it from the RC.
AU Small Finance Bank Two Wheeler Loan FAQs
Common questions about AU Bank bike and scooter loan interest rates, EMI, charges and foreclosure in 2026.
What is the AU Bank two wheeler loan interest rate in 2026?
AU Bank's officially published two wheeler loan interest rate is 13.00% - 28.00% p.a. AU Bank publishes this as a regulatory disclosure range (the lowest to highest rates on loans it actually sanctioned / its indicative policy range), not as a fixed rack rate. Your offer depends on your profile and vehicle.
What is the EMI for a ₹1 lakh AU Bank bike loan?
At AU Bank's lowest published rate of 13% p.a., the EMI on ₹1,00,000 is about ₹3,369 for 36 months or ₹4,754 for 24 months. Use the calculator above for your exact price, down payment and tenure.
What processing fee does AU Bank charge on a two wheeler loan?
AU Bank's published processing fee is: New and used vehicles: up to 4% of loan amount; documentation charges up to INR 3,000.
Can I foreclose my AU Bank two wheeler loan early?
AU Bank's published foreclosure / prepayment terms: 5% of balance amount if paid before 12 months / 4% of balance amount if paid after 12 months (fixed rate). No prepayment/foreclosure charges on floating-rate loans to individuals for other than business purposes.
How much of the bike price does AU Bank finance, and for how long?
AU Bank finances up to 100% of the vehicle price, repayable over up to 60 months.
How is the AU Bank two wheeler loan EMI calculated?
EMI = [P × r × (1 + r)^n] / [(1 + r)^n – 1], where P is the loan amount (vehicle price minus down payment), r is the monthly rate (annual rate ÷ 12 ÷ 100) and n is the tenure in months.