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Learn how to finance your Royal Enfield bike with easy EMI options, flexible loan plans, and competitive interest rates to suit your budget and lifestyle.
Last updated on: Oct 27, 2026
With signature powerful engines and exceptional ergonomics, Royal Enfield bikes occupy one of the top spots on many riders’ wishlists. However, the upfront cost can sometimes make potential buyers hesitate. Opting for a bike loan available on Bajaj Markets allows you to bring home your dream motorcycle without draining your hard-earned savings. Let’s dive deeper into how this financing option works and how it can pave the way for your next adventure.
You can borrow up to LTV-100% of the chosen bike’s on-road price with the help of this finance option for the Royal Enfield model. You may be required to make a down payment of up to 2% of the value.
The following table consists of the down payment, Royal Enfield loan amount, and the on-road price (Delhi) of specific Royal Enfield bike models:
| Royal Enfield Model | On-Road Price (Delhi) | Max. Loan Amount & Min. Down Payment |
|---|---|---|
Bullet 350 |
₹1,99,055 |
|
Hunter 350 |
₹1,66,164 |
|
₹2,14,028 |
|
|
Meteor 350 |
₹2,31,441 |
|
Himalayan 450 |
₹3,12,579 |
|
Interceptor 650 |
₹3,49,833 |
|
Scram 411 |
₹2,43,982 |
|
Super Meteor 650 |
₹4,13,272 |
|
Continental GT 650 |
₹3,67,364 |
|
*Disclaimer: Aforementioned details are subject to change as per the policies of dealerships. Check the official website before making any financial decision.
When planning to purchase a Royal Enfield bike with the help of a bike financing option, understanding the monthly repayment obligations is crucial. A Royal Enfield bike loan EMI calculator can simplify this process by giving you an accurate estimate of your Equated Monthly Instalments (EMIs).
This tool ensures transparency and allows you to make informed financial decisions before committing to the loan.
For example, you decide to bring home a Classic 350. After making your down payment, you take out a loan for ₹2,00,000 at an interest rate of 9.5% p.a. Here is how your monthly commitment shifts depending on the tenure you choose:
2-Year Tenure (24 months): Your EMI will be approximately ₹9,182 per month. You will pay less in total interest, making it the cheaper option overall.
3-Year Tenure (36 months): Your EMI drops to around ₹6,406 per month, giving your monthly budget more breathing room, though you will pay more total interest over time.
Securing a two-wheeler loan for your Royal Enfield allows you to hit the open road with custom-tailored repayment plans that safeguard your personal savings. From low upfront costs to comprehensive coverage, here is a breakdown of the key advantages this financing option brings to your purchase journey:
Borrow up to LTV-100% of the bike’s on-road value with the help of this facility
Make a minimum down payment of just 2% of the bike’s on-road price
Submit your basic personal, address, and income proofs to borrow the required amount
Extended warranty, accessories, apparel, and merchandise costs can also be funded with the help of this option
Repay the loan over flexible tenures ranging up to LTV-100%
When you apply for this Royal Enfield finance option, you are provided with offers from leading NBFCs and banks that have a tie-up with Royal Enfield dealerships. These include:
| Bank/NBFC | Maximum Loan Amount | Interest Rate (p.a.) | Fees and Charges | Tenure |
|---|---|---|---|---|
LTV-100% |
Starting from 7.99% |
Processing Fees: Up to 5% |
up to 60 months |
|
LTV-98% |
Starting from 6.65% p.a. |
Processing Fees: Starting from 1% |
up to 60 months |
|
₹3 Lakhs |
Starting from 5.5% p.a. |
Processing Fees: |
up to 48 months |
Disclaimer - To know more about the available offers and any other details, you can contact the nearest Royal Enfield dealership. The mentioned rates are subject to change at the lender’s discretion.
You can apply for this option before and after purchasing the two-wheeler. To check the loan offers available before you buy the bike, follow these steps:
Click here to start the loan application process
Provide the basic details related to your identity and address
Enter detail about your chosen bike and the loan amount you need
Recheck all the provided information and submit your bike loan application
Following this, a representative will reach out to you for further proceedings.
Here are the eligibility criteria you must meet:
Age: Generally between 18 to 70 years
Nationality: Resident Indian citizen
Credit Score: A strong CIBIL score is required
Employment History:
Salaried: Minimum 1 year of continuous work
Self-Employed: Minimum 2 years of filed Income Tax Returns (ITR)
You will also need the following documents to apply for a bike loan:
PAN card
Voter ID
Passport
Driving Licence
Utility bills
Passport
Government-issued documents.
Salary slips
Income tax returns
Bank statements
Audited financial records
Reviewer
Yes, the automotive firm has tie-ups with multiple lenders in India on digital marketplaces like Bajaj Markets, through which it offers financing options to its customers.
Bajaj Markets is a digital marketplace where you can compare various tailored bike loan offers from different lenders side-by-side, securing up to LTV-100% funding of your bike's on-road price. Once you select a preferred interest rate and tenure, you submit a digital application with minimal documentation for quick approval.
Yes, you can finance your bike purchase on EMI. It will be determined on the basis of the loan amount and down payment.
You will be required to pay at least 5% of the bike’s on-road price as a down payment with this facility.
The interest rate for a Royal Enfield two-wheeler loan varies depending on the lender, typically starting from 5.5% p.a.. It may differ based on the applicant’s credit score, income, and loan tenure.
The minimum salary requirement to apply for a Royal Enfield bike loan varies by lender, usually starting from ₹96,000 per annum for salaried applicants. Ensure to check with your preferred lender for precise details.
The monthly EMI is calculated using three main factors, namely your total loan amount, the annual interest rate, and the repayment tenure. Lenders apply a reducing balance formula where interest is calculated on your remaining unpaid balance each month. As you pay off the principal balance, your monthly interest cost steadily decreases.
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