How To Choose The Best Two Wheeler Loan ?

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Are you planning to buy a new bike? If so then make sure that you are applying for a bike loan. Financing your bike is one of the best ways to steer clear of additional financial burdens. Furthermore, applying for a bike loan will also allow you to boost your credit score. With every EMI, your credit score and credit history will get a boost.

Countless lenders in India offer a myriad of bike loans.

So how can you tell which lender and which bike loan is right for you?

Well, that is pretty easy!

All you would need to do is follow the tips mentioned below while you apply for a two wheeler loan –

First of all, always remember to research the lender you are about to choose. Make sure that the lender has a stellar online and offline reputation.
Secondly, talk to people you know who have had previous dealings with the lender. If their experience was a positive one then choose the lender. If that is not the case then look for other options.
Make sure that you are comparing the different bike loans offered by different lenders. Comparing bike loans will reveal the one that comes with terms that are on par with your unique requirements.
Choose a lender that offers online bike loan application facilities.
Make sure that the lender you are choosing is transparent with its terms and conditions.
Always ensure that your credit history and credit score is excellent before you apply for a bike loan.
Finally, always use the online bike loan EMI calculator tool available on the official website of the lender. Using this tool will give you an idea about the EMIs you would need to bear for the bike loan.

Must read:

How We Can Calculate Bike Loan EMI Online / Offline?

Tips To Choose The Best Bike Loan Interest Rates

Bike Loan Interest Rates

Buying a bike is way better than buying a car. The money you would save on fuel is reason enough to put your plans to buy a car on hold.

With that in mind, do not forget to apply for a bike loan. Financing your bike will keep you from breaking into your savings.

Countless lenders in India offer bike loans. Hence, it is natural for them to charge varying interest rates.

So, how can you choose a bike loan that comes with low interest rates?

By learning about the many factors that lenders refer to while selecting bike loan interest rates!

What are those factors?

They are as follows –

Lenders refer to your credit score and history when you apply for a bike loan online (or offline). Hence, make sure that you have never defaulted on a loan repayment before. Furthermore, you would also need to make sure that your credit score is excellent. Spotless credit history and an excellent credit score will allow you to enjoy low interest rates. Loan applicants with spotless credit history and high credit scores are marked as ‘low risk’ cases. Hence, lenders will not charge you more interest rates. It is as simple as that!
Secondly, your source of income plays an important role. Salaried individuals can get low interest rates. Whereas, entrepreneurs may need to pay relatively high interest rates. It all boils down to your spending habits. If you have the means to lead a lavish life then they might charge you high interest rates. For more details, feel free to compare bike loan interest rates offered by several lenders. In the end, settle for one that offers the lowest rates.
The third aspect is your age. If you are young then the lender will charge you a low bike loan interest rate. If you are above 55 then chances are high that you might need to pay more interest rates.

For the best results, be sure to consult with loan experts to make informed decisions.

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Complete Guide To Getting A Two Wheeler Loan

Things That You Need To Know About KTM Duke 200

KTM Bikes

The Duke 200 was the first product offered by KTM when it entered the Indian market. Since its introduction, the bike gained a huge following all over the nation.Why?
Well, many aspects work in favour of the motorcycle.

**Some of them are as follows –**

**Looks**

The latest iteration of the Duke 200 is now in sync with the rest of the available KTM bikes in India.
The design language is refreshed. The bike now comes with an angular headlamp unit with integrated LED DRLs. The fuel tank of the bike is also aggressively designed. The best part is that the capacity of the fuel tank is increased to 13.5 litres from 10.2 litres. The tail end of the bike is now sleeker. The seats are split which adds to the appeal and functionality of the bike.
In terms of colour schemes, KTM offers the bike in two colours. The graphics affixed are also revised. The colour schemes available are Electric Orange and Ceramic White.

**Impressive packaging**

The **KTM Duke 200 price** is justified as soon as one takes a look at the overall packaging. The bike now comes with a completely overhauled sub-frame. The instrument cluster is an all-LED unit with an orange backlight. The layout of the display has been revised. The bike also comes with dual-channel ABS instead of single-channel ABS that was found in the previous generation.

**Mind blowing performance**

The re-engineered split Trellis frame offers a riding stance that does justice to the rest of the bike’s streetfighter looks.The engine of the bike is a BS6-tuned single-cylinder, liquid-cooled, fuel-injected unit. The displacement of the motor stands at 199 CCs. It is tuned to produce 24.7 bhp of peak power and 19.3Nm of peak torque.

**Verdict**

It makes sense to buy a Duke 200 as it offers more than one will be spending on it.

Must Read:
Here Is The List Of Best Sports Bike in India – 2022

Best Bikes for Long Rides(Drive) in India

Bikes Gyan

The Indian motorcycle industry is ever-expanding. Hence, it is no news that OEMs operating in India will offer bikes that are ideal for long trips.

The following is a list of a few motorcycles that are ideal for long rides. Read on to know more –

The Avenger Cruise 220 from Bajaj

Bajaj Avenger 220 Cruise is the top trim in the Avenger range. It has the looks of a miniaturised classic American cruiser bike. It is nimble, comfortable and fuel-efficient. It is available at an average ex-showroom price of Rs. 1, 64,474*.

Trim options are limited to one but the colours available are two. The single-cylinder, fuel-injected, liquid-cooled, BS6-compliant engine has 220 CC displacement. It is capable of belting out 18.4 bhp power and 17.55 Nm torque.

The bike has a large windshield at the front, low saddle-like seat and a cushioned backrest for the pillion rider. It has cruiser-style handlebars, front positioned footpegs and a raked-out front wheel. It comes with front disc brakes and single-channel ABS. The rear wheel however has drum brakes. It has a fuel tank with 13 litres capacity.

The 390 Adventure from KTM

KTM’s 390 Adventure has an average MSRP (ex-showroom) of Rs. 3, 87,828*. The bike comes in a single trim but has two colours on offer. The engine is a 373 CC, single-cylinder, liquid-cooled, fuel-injected unit. It is compliant with the BS6 emission norms. It is quite capable as it can produce 42.3 bhp of peak power.

Peak torque output stands at 37 Nm. It has front and rear disc brakes. ABS is a standard OEM fitment. It has a 14.5-litre fuel tank and a dry weight of just 163 KGs. It is often considered one of the best bikes for long rides currently available in India.

The 400 CC variant of Bajaj’s Dominar

The Dominar range is available in two engine choices – a 400 CC variant and a 250 CC variant. The former is better than the latter in terms of endurance which is a must for long bike trips. The bike is available at an average ex-showroom price of Rs. 2, 42,295*.

Bajaj offers the bike in a single trim but kept 2 colour options. The motor has a displacement of 373.27 CC. It is compliant with BS6 norms. The peak power and torque outputs of the bike are 39.42 bhp and 35 Nm respectively. It has front and rear disc brakes. ABS is OEM standard fitment.

The dry weight of the motorcycle is 187 KGS. It has a massive fuel tank with 13 litres capacity.

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Everything That You Need To Know About Bajaj Avenger Cruise 220

Bajaj Bikes

The Cruise 220 version of the Bajaj Avenger is one of the best selling motorcycles from Bajaj. The bike was first introduced into the Indian market back in 2010. It has the style of a classic American chopper minus the excessive dimensions.

More details about the bike are as follows –

Bajaj bikes in India –

The Bajaj Avenger Cruise 220 is a flagship motorcycle from the Indian OEM. It recently was revamped to meet with the latest BS-6 emission norms. However, it is best to remember that the updates were limited to the engine of the bike.

Styling

The styling of the motorcycle remains unaltered for the most part. It has the appealing looks for a classic cruiser. Styling cues that appeal to one and all are as follows –

A lowered and wide saddle-like seat for the rider
A comfortable pillion seat with cushioned backrest
A tall and sturdy windshield that doubles up as a protection for the instrument cluster against the elements
A cruiser-style handlebar better known as ‘rear-swept handlebar’
Tasteful chrome garnishing all over the bike and
Wire spoke wheels.

Hardware

The hardware of the motorcycle remains unchanged. The shock absorbers at the front are telescopic fork suspension units with anti-friction bushes. The rear units are simple single-spring shock absorbers with five-step adjustment.

The brakes in the bike are 130mm drum units for the rear wheel. The front-wheel has 280mm disc units with single-channel ABS as standard fitment.

Mechanical upgrades

This is where Bajaj engineers did most of the work.

The bike’s 220 CC, single-cylinder, the oil-cooled engine comes with a retuned fuel-injection system that conserves fuel. It has twin spark plugs and comes with a single overhead cam unit.

The engine is now retuned to belt out 18.7bhp of peak power when the engine is at 8,500rpm. At 7,000rpm, the engine can produce a peak torque of 17.5Nm. The gearbox remains the same smooth-shifting five-speed unit.

Check – Best Long Ride Bikes in India

Is the bike worth your time and money?

Absolutely! The price of Avenger 220 Cruise is at an ex-showroom average mark-up of ₹ 1, 36,621 onwards. Furthermore, it has the looks of a classical cruiser. It is comfortable and stylish.

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Here Is The Latest Price of The Bajaj Bikes

Here Is The List Of Best Sports Bikes in India – 2022

Bikes Gyan

There are pretty awesome sportbikes currently on offer in India. This post will shed light on some of them in the following sections –

First on the list is the revered RC 390 from KTM. This behemoth of a bike has a 373 CC, BS6-tuned engine. It can belt out 42.9 bhp of peak power. The peak torque output is 35 Nm. The bike is offered with front and rear disc brakes. ABS is OEM standard fitment.

Next on the list is the **best sports bike under 1 lakh**. It is the Pulsar 125 from the house of Bajaj. The bike comes in six colours and four variants. The top variant has an average ex-showroom price of Rs. 97,548*. It has a 124.4 CC, BS6-tuned engine. The motor is capable enough as it can belt out peak power of 11.64 bhp. The peak torque output stands at 10.8 Nm. The top variant of the bike is equipped with a front disc and rear drum brakes. The combined braking system is OEM standard fitment for all variants.

The final entry in this shortlist is the extremely popular RS 200 variant of Bajaj’s Pulsar range. The bike is available in only one variant but comes in three colours. It has a BS6-tuned 199.5 CC engine. The peak power output of the motor is 24.2 bhp. The peak torque output is 18.7 Nm. The bike comes with a front and rear disc braking system. ABS is OEM standard fitment.

Irrespective of a bike’s MSRP, you can get your hands on your dream bike in no time. All thanks to the impressive **bike loan** schemes offered by leading lenders. Get in touch with your preferred lender today for more details.

Must Read:
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How To Calculate Two Wheeler Loan EMI?

Bike EMI Calculator

It is a good idea to apply for a bike loan instead of buying your dream bike using cash. The reason is simple – you will be able to keep your savings intact. Furthermore, you can also apply for a 0 downpayment loan. In this case, the whole MSRP of the bike will be paid for by the lender. However, the rate of interest and the EMIs will be higher in this case.

Another benefit of applying for a bike loan is that with EMI, your credit score will get a boost. A high credit score will make you automatically eligible for personal, home, car or business loans in the future.

How bike loan EMIs are calculated?

Before applying for two-wheeler loan you must calculate the EMI that you would have to bear each month.

How to do that?

Well, you can use the free-to-use online bike loan EMI calculator tool. These tools are available on the official websites of all leading lenders in India.

Simply input the parameters in the tool, follow on-screen instructions and learn about the EMI of your loan. The process will take just a few minutes of your time.

You can also follow an offline method to calculate bike loan EMIs –

Just follow the formula given below –

EMI = [P x R x (1+R)^N]/[(1+R)^N-1]

P is the borrowed money.
R is the rate of interest on the principal.
N is the number of EMIs to be paid to the lender.

For more details, consult your preferred lender or talk with a financial advisor today!

Must Read:

How To Choose The Best Bike Loan Interest Rates?

Best Bikes In India Under 1 Lakh In India

Bajaj Bikes, KTM Bikes

If you have plans to buy a bike and that too under a lakh then your options are limited. There are hardly any motorcycle brands that offer bikes under a lakh. This doesn’t mean that you would end up buying a boring bike. Bajaj offers a 125 CC sporty commuter motorcycle under a lakh. We are talking about the 125 CC variant of the Bajaj Pulsar.

If you need reasons to buy the bike then they are as follows –

Pricing And Financing

For starters, the Bajaj Pulsar 125 is one of the most affordable sporty commuter bikes in India. One can get their hands on the base variant of the bike at an ex-showroom Mumbai price of INR. 81,178. This makes it the best sports bike in India under 1 lakh.

Furthermore, countless lenders offer amazing deals on the bike thus allowing anyone to buy the bike on EMI easily.

Available Variants And Colours

The bike is available in four variants and six colour schemes.

Engine And Specifications

The bike is powered by a very reliable, BS6-tuned, single-cylinder, air-cooled engine. It has a displacement of 124.4 CC and comes with an electronic carburettor. The addition of an electronic carburettor increased the fuel efficiency of the bike. It has a real-world mileage of 50 KMPL.

Click here – Buy Bike on EMI

The power and torque output of the motor stands at 11.64 bhp and 10.8 Nm respectively. The top variant of the bike is equipped with front disc brakes and the rear wheel has drum brakes. Bajaj equipped the bike with its patented combined braking system. The dry weight of the bike is 142 KGs. It comes with a large fuel tank with 11.5 litres capacity.

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Best Bikes For Long Drive (Ride) in India

Bajaj Pulsar NS 200 – Things You Need to Know

Bajaj Bikes, Bikes Gyan

The NS 200 variant of the Pulsar has been recently given a makeover. The 2021 iteration of the bike has the looks similar to its predecessor.

According to bike lovers, the NS 200 bike can still turn heads.

It still carries the distinctive headlamp unit along with its twin pilot lamps. Its fuel tank still looks muscular, and the bike’s body still carries prominent lines.

More on the Bajaj Pulsar NS 200 are as follows –

Price

Bajaj bikes introduced the latest generation of the NS 200 at an ex-showroom price of Rs. 1,61,177*.

Variants

The bike OEM offers the 2021 version of the NS 200 in one variant but four colors.

Engine And Specs

The Bajaj Pulsar NS200 still has the popular and reliable 199.5 CC engine.
Bajaj equipped the bike with an additional catalytic converter to make it BS6 compliant.
The engine is a single-cylinder, liquid-cooled unit. It now comes with a retuned ECU.
The power and torque outputs of the engine stand at 24.13 bhp and 18.5 Nm, respectively.
The engine of the NS 200 has always been a USP for the motorcycle. The motor offers power delivery from as low as 3,000 RPM.
The redline of the motor is a whopping 10,000 RPM! The top speed of the bike is electronically limited to 145 KMPH.
Long journey riders have always praised the smooth-shifting gearbox of the bike and the light clutch. These USPs are still present in the 2021 edition of the bike.

Check – Latest Bajaj Bikes Price List

The bike is equipped with disc brakes in both the front and back. Bajaj also equipped the bike with single-channel ABS as standard OEM fitment.
The bike is equipped with a telescopic front fork suspension unit and an adjustable rear mono-shock suspension unit.
The dry weight of the bike is a mere 156 kg. It has a massive 12-liter fuel tank.

All these features make the Bajaj Pulsar NS 200 one of the best bikes in the Indian market.

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Pulsar Bikes – Check Latest Price and Choose The Best One

Best Bikes for Long Rides in India -2022

Bikes Gyan

Imagine a bright warm day, your bike, and a long drive? This sounds like heaven to all bike lovers. So, which are the best bikes for long drive in India?

Well, there are plenty. But in case you are looking for reliable bikes that are reasonably priced, then looks for the following –

Bajaj Avenger Cruise 220

The Bajaj Avenger Cruise 220 is an affordable, cruiser-style bike that resembles scaled-down American choppers. It is available at an ex-showroom price of INR. 1,64,474*. The bike comes with a single variant but offers two color options.
It has a powerful, BS-6 tuned 220 CC engine. The power and torque figures of the engine stand at 18.4 bhp and 17.55 Nm, respectively.
Bajaj Avenger Cruise 220 has front disc brakes with single-channel ABS. The rear wheel is equipped with a drum brake setup.
The bike’s dry weight is 163 kg and is equipped with a 13-liter fuel tank.

Bajaj Dominar 400

The 400 CC variant of the Dominar is undoubtedly one of the best long ride bikes in India.
It has the looks and ergonomics of a street bike; hence the riding posture is comfortable.
The price is also in the affordable range, considering it is a 400 CC bike. Bajaj kept the pricing at INR. 2,58,968*, ex-showroom.
The bike is available in two variants and two colors.
The bike is powered by a 373.27 CC motor. It is BS6 compliant and has a power and torque output of 39.42 bhp and 35 Nm, respectively.
The bike is equipped with front and rear disc brakes. ABS is OEM standard equipment.
The bike has a dry curb weight of 187 kg and comes fitted with a 13-liter fuel tank. It has premium features and is well-known for its fantastic highway performance!

You can look for these two best bikes for long drive in India.

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