Official Rates • Updated Oct 2026Karur Vysya Bank Two Wheeler Loan Calculator 2026
Verified KVB Bank bike & scooter loan rates of 10.90% - 15.40% p.a. — calculate your EMI with down payment, total interest & repayment schedule.
Interest Rate
10.90% - 15.40%
Fixed rate
Processing Fee
Vehicle value up to Rs.2 lakh: 1% of loan amount (minimum Rs.1,000); above Rs.2 lakh up to Rs.10 lakh: Rs.3,000; above Rs.10 lakh: Rs.7,500
≈ ₹1,000 for current loan
Max Funding
Up to 90%
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
KVB Bank official range: 10.9% - 15.4%Verified from official website
%
10.9%15.4%
years
Monthly EMI
₹3.27 K
for 3 years
Loan Amount
₹1.00 L
Total Interest
₹17.69 K
Total Amount
₹1.18 L
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KVB Bank Two Wheeler Loan Interest Rate & Charges (2026)
Interest rate, processing fee, tenure and prepayment terms as published by KVB Bank
| Particulars | KVB Bank Two Wheeler Loan |
|---|---|
| Interest Rate | 10.90% - 15.40% p.a. |
| Rate Benchmark | Fixed rate |
| Processing Fee | Vehicle value up to Rs.2 lakh: 1% of loan amount (minimum Rs.1,000); above Rs.2 lakh up to Rs.10 lakh: Rs.3,000; above Rs.10 lakh: Rs.7,500 |
| Maximum Funding (LTV) | Up to 90% of the vehicle price |
| Maximum Tenure | 60 months (5 years) |
| Effective Date | w.e.f. 22/09/2026 |
Important Notes
- KVB lists "Digital Two Wheeler Loan 10.90% - 15.40%" (and "KVB 2V No Income 12.40% - 16.90%") under fixed rate of interest, w.e.f. 22/09/2026.
- Margin 10% to 15%, up to 60 months. The product page shows a loan amount of "Rs. 100 lakhs", which looks like a site error, so no maximum is shown here.
- KVB's no-foreclosure-charge rule is stated for floating-rate retail loans; no fixed-rate two-wheeler foreclosure charge is published.
- Product: https://www.kvb.bank.in/personal/loans/vehicle-loans/two-wheeler-loan/
Last verified against the official KVB Bank website on Oct 2026.
KVB Bank Two Wheeler Loan Scheme-wise Rates
KVB Bank publishes separate rates for these two wheeler loan variants.
| Scheme / Segment | Interest Rate (p.a.) |
|---|---|
| Digital Two Wheeler Loan (fixed)Mean 13.15% | 10.90% - 15.40% |
| KVB 2V No Income (fixed)Mean 14.65% | 12.40% - 16.90% |
Compare KVB 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.
KVB Bank Bike Loan EMI: Worked Example
Live from the calculator above: a ₹1,20,000 bike with ₹20,000 down payment, financed at 10.9% p.a. for 36 months.
Loan Amount
₹1,00,000
Monthly EMI
₹3,269
Total Interest
₹17,684
Processing Fee
≈ ₹1,000
KVB Bank Two Wheeler Loan EMI per ₹1 Lakh
EMI on a ₹1,00,000 loan at KVB Bank's lowest and highest published rate.
| Tenure | EMI @ 10.9% | EMI @ 15.4% |
|---|---|---|
| 12 months | ₹8,834 | ₹9,045 |
| 24 months | ₹4,656 | ₹4,868 |
| 36 months | ₹3,269 | ₹3,486 |
| 48 months | ₹2,580 | ₹2,803 |
| 60 months | ₹2,169 | ₹2,400 |
Before You Apply for a KVB 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; confirm KVB Bank's charges before signing.
- 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 KVB Bank until the loan is closed, after which you get an NOC to remove it from the RC.
Karur Vysya Bank Two Wheeler Loan FAQs
Common questions about KVB Bank bike and scooter loan interest rates, EMI, charges and foreclosure in 2026.
What is the KVB Bank two wheeler loan interest rate in 2026?
KVB Bank's officially published two wheeler loan interest rate is 10.90% - 15.40% p.a. This is KVB Bank's published rate card for two wheeler loans.
What is the EMI for a ₹1 lakh KVB Bank bike loan?
At KVB Bank's lowest published rate of 10.9% p.a., the EMI on ₹1,00,000 is about ₹3,269 for 36 months or ₹4,656 for 24 months. Use the calculator above for your exact price, down payment and tenure.
What processing fee does KVB Bank charge on a two wheeler loan?
KVB Bank's published processing fee is: Vehicle value up to Rs.2 lakh: 1% of loan amount (minimum Rs.1,000); above Rs.2 lakh up to Rs.10 lakh: Rs.3,000; above Rs.10 lakh: Rs.7,500.
Can I foreclose my KVB Bank two wheeler loan early?
KVB Bank does not publish two wheeler specific foreclosure charges on its website; check your sanction letter.
How much of the bike price does KVB Bank finance, and for how long?
KVB Bank finances up to 90% of the vehicle price, repayable over up to 60 months.
How is the KVB 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.