Loan eligibility
How much you can borrow, and which bikes fit.
Affordable EMINu.17,50050% × Nu.35,000 − Nu.0
Maximum loanNu.5,42,00036 months @ 10%
Bike budget (on-road)Nu.5,72,000Nu.5,42,000 + Nu.30,000 down payment
Lenders usually allow up to about 50% of monthly income for all EMIs together (FOIR). Final approval depends on your credit history.
Bikes within your budget
See all
On-road price (Thimphu)Nu.3,64,100Loan amountNu.3,34,100Monthly EMINu.10,780
On-road price (Thimphu)Nu.3,29,100Loan amountNu.2,99,100Monthly EMINu.9,651
On-road price (Thimphu)Nu.2,14,100Loan amountNu.1,84,100Monthly EMINu.5,940
On-road price (Thimphu)Nu.1,99,100Loan amountNu.1,69,100Monthly EMINu.5,456
On-road price (Thimphu)Nu.1,62,100Loan amountNu.1,32,100Monthly EMINu.4,262
On-road price (Thimphu)Nu.1,53,100Loan amountNu.1,23,100Monthly EMINu.3,972
Quick answers
How is two-wheeler loan eligibility calculated?
Lenders usually cap all your EMIs together at about 50% of monthly take-home income (the FOIR). Subtract existing EMIs to get the EMI you can afford, then work back to the loan using the interest rate and tenure.
Does a longer tenure increase the loan I can get?
Yes. The same EMI over more months supports a bigger loan, but you pay more interest in total.
Demo data: prices and specs are approximate and for demonstration only.