Official Rates • Updated Oct 2026Catholic Syrian Bank Two Wheeler Loan Calculator 2026
Verified CSB Bank bike & scooter loan rates of 13.00% - 25.00% p.a. — calculate your EMI with down payment, total interest & repayment schedule.
Interest Rate
13.00% - 25.00%
Profile & vehicle linked
Processing Fee
Up to 3.5% of the loan amount
≈ ₹3,500 for current loan
Max Funding
Up to 95%
Of vehicle price
Loan Tenure
Up to 48 months
4 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
CSB Bank official range: 13% - 25%Verified from official website
%
13%25%
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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CSB 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 CSB Bank Foreclosure & Prepayment Terms
Published schedule of charges • Verified banking disclosure
CSB 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
“Within 12 months from 1st EMI: 2% of principal outstanding; 13-24 months: 1%; after 24 months: Nil”
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 CSB Bank will include exact accrued interest up to the settlement date.
CSB Bank Two Wheeler Loan Interest Rate & Charges (2026)
Interest rate, processing fee, tenure and prepayment terms as published by CSB Bank
| Particulars | CSB Bank Two Wheeler Loan |
|---|---|
| Interest Rate | 13.00% - 25.00% p.a. |
| Processing Fee | Up to 3.5% of the loan amount |
| Foreclosure / Prepayment | Within 12 months from 1st EMI: 2% of principal outstanding; 13-24 months: 1%; after 24 months: Nil |
| Maximum Funding (LTV) | Up to 95% of the vehicle price |
| Maximum Loan Amount | ₹6,00,000 |
| Maximum Tenure | 48 months (4 years) |
Important Notes
- CSB's rates & charges page: "TWO WHEELER LOANS ... Interest Rate Range (%) 13% - 25%; Mean - 19.65%". An older table on the same page (loans disbursed in Q1 FY 2024-25) shows 16.00%-21.00%.
- Commuter bikes: up to 95% of on-road price, up to Rs.2 lakh, up to 48 months. Super / performance bikes: up to 85%, up to Rs.6 lakh. Special rates for women and CSB customers (not published).
- Products: https://csb.bank.in/two-wheeler
Last verified against the official CSB Bank website on Oct 2026.
CSB Bank Two Wheeler Loan Scheme-wise Rates
CSB Bank publishes separate rates for these two wheeler loan variants.
| Scheme / Segment | Interest Rate (p.a.) |
|---|---|
| Two wheeler loans - interest rate rangeMean 19.65% | 13.00% - 25.00% |
Compare CSB 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) |
|---|---|---|---|---|
| 8.86% - 22.00% | ₹3,173 | Up to ₹5,900 | ₹1,20,128 | |
| 8.90% - 11.70% | ₹3,175 | 1% on the loan amount (processing-fee page); the service-charges circular w.e.f. 01.01.26 lists Rs.1,000 irrespective of loan amount for the Vehicle Loan Scheme | ₹1,14,300 | |
| 9.00% - 13.35% | ₹3,180 | ₹1,000 | ₹1,15,480 | |
| 9.00% - 24.00% | ₹3,180 | Up to ₹5,000 | ₹1,19,480 | |
| 9.50% - 25.92% | ₹3,203 | Up to ₹5,000 | ₹1,20,308 | |
| 10.00% - 30.00% | ₹3,227 | Up to ₹5,000 | ₹1,21,172 | |
| 10.10% - 15.75% | ₹3,231 | Up to ₹1,180 | ₹1,17,496 | |
| 10.25% - 26.10% | ₹3,238 | Up to ₹4,000 | ₹1,20,568 | |
| 10.25% - 11.35% | ₹3,238 | Up to ₹500 | ₹1,17,068 | |
| 10.45% - 12.95% | ₹3,248 | ₹1,475 | ₹1,18,403 | |
| 10.50% - 12.90% | ₹3,250 | Up to ₹5,000 | ₹1,22,000 | |
| 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 | |
| 10.75% - 13.65% | ₹3,262 | ₹2,360 | ₹1,19,792 | |
| 10.85% - 12.35% | ₹3,267 | Up to ₹590 | ₹1,18,202 | |
| 10.85% - 14.15% | ₹3,267 | Full waiver of processing charges on vehicle loans (product page) | ₹1,17,612 |
Live figures calculated for ₹1,00,000 over 36 months. Rates and fee formulas sourced directly from each lender's official website (last verified 8 Oct 2026) and auto-refreshed. GST at 18% is added where charged by the lender.
CSB 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
≈ ₹3,500
CSB Bank Two Wheeler Loan EMI per ₹1 Lakh
EMI on a ₹1,00,000 loan at CSB Bank's lowest and highest published rate.
| Tenure | EMI @ 13% | EMI @ 25% |
|---|---|---|
| 12 months | ₹8,932 | ₹9,504 |
| 24 months | ₹4,754 | ₹5,337 |
| 36 months | ₹3,369 | ₹3,976 |
| 48 months | ₹2,683 | ₹3,316 |
Before You Apply for a CSB 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; CSB 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 CSB Bank until the loan is closed, after which you get an NOC to remove it from the RC.
Catholic Syrian Bank Two Wheeler Loan FAQs
Common questions about CSB Bank bike and scooter loan interest rates, EMI, charges and foreclosure in 2026.
What is the CSB Bank two wheeler loan interest rate in 2026?
CSB Bank's officially published two wheeler loan interest rate is 13.00% - 25.00% p.a. CSB 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 CSB Bank bike loan?
At CSB 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 CSB Bank charge on a two wheeler loan?
CSB Bank's published processing fee is: Up to 3.5% of the loan amount.
Can I foreclose my CSB Bank two wheeler loan early?
CSB Bank's published foreclosure / prepayment terms: Within 12 months from 1st EMI: 2% of principal outstanding; 13-24 months: 1%; after 24 months: Nil.
How much of the bike price does CSB Bank finance, and for how long?
CSB Bank finances up to 95% of the vehicle price, with a published maximum loan of ₹6,00,000, repayable over up to 48 months.
How is the CSB 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.