Personal, home, vehicle & other loans

PNB Saarthi Two-Wheeler Loan

Two-wheeler finance for scooters, motorcycles, scooterettes and mopeds, with ₹10 lakh available for super bikes and up to ₹1.50 lakh for other two-wheelers.

RateFloating 10.85% p.a. for salaried persons and 11.35% p.a. for other borrowers; fixed 11.85% and 12.35% respectively under the current PNB table.Maximum amountUp to ₹10 lakh for super bikes or hybrid two-wheelers with engine capacity 200 cc and above; up to ₹1.50 lakh for other two-wheelers.TenureMaximum 60 EMIs for scooters and motorcycles, 30 EMIs for scooterettes and 24 EMIs for mopeds.

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✓ Manually checked 30 Aug 2026 · active

Offered byPunjab National Bank

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Loan typeTwo-wheeler vehicle loan for a new scooter, motorcycle, scooterette or moped.View source

PNB lists new scooters, motorcycles, scooterettes and mopeds registered with the RTO.

Source: PNB Saarthi — Two-Wheeler Loan for Public
Page / section: Purpose
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

RateFloating 10.85% p.a. for salaried persons and 11.35% p.a. for other borrowers; fixed 11.85% and 12.35% respectively under the current PNB table.View source

The current table publishes separate floating and fixed PNB Saarthi rates for salaried persons and others.

Source: Retail Advances — PNB interest-rate table
Page / section: Two-Wheeler Loans — PNB Saarthi & PNB Power Ride
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

BenchmarkRLLR + BSP + 2.75% for salaried persons and RLLR + BSP + 3.25% for other borrowers.View source

The official table expresses the two PNB Saarthi floating rates as + plus the published borrower-type spread.

Source: Retail Advances — PNB interest-rate table
Page / section: Two-Wheeler Loans — PNB Saarthi & PNB Power Ride
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

APRNot published as a separate APR percentage or calculation for PNB Saarthi.View source

The product page and current rate table publish but no calculation.

Source: PNB Saarthi — complete rate review
Page / section: Rate Of Interest
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Minimum incomeMinimum net monthly salary/income ₹10,000 after all deductions, including the proposed two-wheeler instalment.View source

PNB states a ₹10,000 minimum net monthly salary/income after all deductions.

Source: PNB Saarthi — Two-Wheeler Loan for Public
Page / section: Income Criteria
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Maximum amountUp to ₹10 lakh for super bikes or hybrid two-wheelers with engine capacity 200 cc and above; up to ₹1.50 lakh for other two-wheelers.View source

The official quantum section publishes both vehicle-category ceilings.

Source: PNB Saarthi — Two-Wheeler Loan for Public
Page / section: Quantum Of Finance
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

TenureMaximum 60 EMIs for scooters and motorcycles, 30 EMIs for scooterettes and 24 EMIs for mopeds.View source

PNB publishes separate ceilings for each listed vehicle type.

Source: PNB Saarthi — Two-Wheeler Loan for Public
Page / section: Repayment (Maximum)
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Processing fee0.50% of the loan amount, minimum ₹500 and maximum ₹1,000; GST/taxes are extra.View source

The current schedule lists 0.50% with ₹500 and ₹1,000 bounds.

Source: Services Charges Related to Retail Advances — PNB
Page / section: Two Wheeler Loan — PNB Saarthi
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Prepayment / foreclosureNIL.View source

The official page states nil prepayment charges.

Source: PNB Saarthi — Two-Wheeler Loan for Public
Page / section: Prepayment Charges
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

₹10 lakh maximum for super bikes or hybrid two-wheelers with engine capacity 200 cc and above
₹1.50 lakh maximum for other two-wheelers
Minimum net monthly income ₹10,000 after the proposed instalment
10% margin for salary/check-off applicants and 25% for business concerns
Maximum repayment 60, 30 or 24 by vehicle type
Nil prepayment charge

Eligibility

Applicant must be 18–65 with a valid driving licence; salaried persons with pension may be eligible up to age 70. Existing PNB customers need six months' satisfactory transactions, while new customers need a one-year satisfactory record with another bank or financial institution.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

and valid driving licence
Income or salary proof; parent/guardian income proof for student route
Vehicle quotation and registration documents
and tax challans for business concerns

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees

Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees

Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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PNB Saarthi · Current rate10.85% floating / 11.85% fixed salaried; 11.35% / 12.35% others

This value is copied from PNB vehicle loans — published terms. Check the table notes before relying on it.

Source: PNB Saarthi and Green Car official pages, rate table and charge schedule · Vehicle loans Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 2 rows · 5 columnsPNB vehicle loans — published termsCurrent rates, income rules, limits, tenures and charges from PNB official product pages and shared disclosures.View tableHide table

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PNB vehicle loans — published terms
Product	Current rate	Amount / income	Tenure	Charges
PNB Saarthi	10.85% floating / 11.85% fixed salaried; 11.35% / 12.35% others	₹10 lakh super-bike or ₹1.50 lakh other two-wheeler maximum; ₹10,000 monthly minimum	60/30/24 by vehicle type	0.50%, ₹500–₹1,000; nil prepayment
PNB Green Car	7.60–9.65% floating; 8.60–10.65% fixed e-vehicle bands	25× gross monthly income, max ₹1 crore for individuals; ₹25,000 monthly minimum or 110% term deposit	Up to 120 ; age 70/65 repayment limits	Nil processing, docs and prepayment

PNB Saarthi and Green Car official pages, rate table and charge schedule · Vehicle loans · accessed 30 Aug 2026Open official source ↗

PNB Saarthi Two-Wheeler Loan

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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