Loan eligibility
How much you can borrow, and which bikes fit.
Affordable EMIरु30,00050% × रु60,000 − रु0
Maximum loanरु9,03,00036 months @ 12%
Bike budget (on-road)रु3,75,000capped at 60% loan-to-value
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 (Kathmandu)रु3,47,300Loan amountरु1,97,300Monthly EMIरु6,553
On-road price (Kathmandu)रु3,15,300Loan amountरु1,65,300Monthly EMIरु5,490
On-road price (Kathmandu)रु3,09,300Loan amountरु1,59,300Monthly EMIरु5,291
On-road price (Kathmandu)रु3,09,300Loan amountरु1,59,300Monthly EMIरु5,291
On-road price (Kathmandu)रु3,08,800Loan amountरु1,58,800Monthly EMIरु5,274
On-road price (Kathmandu)रु3,00,300Loan amountरु1,50,300Monthly EMIरु4,992
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.
How much can I borrow for a bike in Nepal?
Banks lend up to 60% of the vehicle value for private vehicles, so you need at least 40% as down payment.
Demo data: prices and specs are approximate and for demonstration only.