IndiaBanks.org · independent research

Personal, home, vehicle & other loans

PNB Saarthi Two-Wheeler Loan

Finance for new scooters, motorcycles, scooterettes and mopeds, with maximum amounts and repayment periods varying by vehicle class.

Current Saarthi rate by borrower typeFloating/fixed: salaried 10.85%/11.85% p.a.; other borrowers, including business concerns, 11.35%/12.35% p.a. The page prints these as current values.Maximum finance by vehicle class₹10 lakh for super-bikes/hybrid two-wheelers with engine capacity 200 cc and above; ₹1.50 lakh for other eligible two-wheelers.Maximum repayment period by vehicle classScooter/motorcycle: 60 months; scooterette: 30 months; moped: 24 months.
Official product page ↗Compare category

Quick eligibility check

PNB Saarthi Two-Wheeler Loan

0 of 5 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: ₹10,000 after all deductions, including the proposed instalment?

Published source: Minimum net monthly income

2Do you meet this requirement: Applicants are generally 18–65 with a valid driving licence?

3Does your age meet this requirement: salaried borrowers with pension may be eligible up to age 70?

4Do you meet this requirement: Existing PNB customers need six months of satisfactory account conduct?

5Do you meet this requirement: new customers need a one-year satisfactory banking record elsewhere?

0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 8 Oct 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 ↗
Current Saarthi rate by borrower typeFloating/fixed: salaried 10.85%/11.85% p.a.; other borrowers, including business concerns, 11.35%/12.35% p.a. The page prints these as current values.View source
Transcribed the separately named salaried and others rows and floating/fixed columns.
Source
PNB Retail Advances — current vehicle-loan rate tables
Page / section
Section 10, Two-Wheelers Loan — PNB Saarthi & PNB Power Ride
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Floating benchmark and spreadSalaried: RLLR + BSP + 2.75 percentage points. Other borrowers, including business concerns: RLLR + BSP + 3.25 percentage points. PNB's current RLLR is 8.35% effective 8 October; printed present rates are retained, not recalculated.View source
The benchmark page publishes current ; the separate vehicle-rate page states the named Saarthi spreads and printed present values. No recomputation is made.
Source
PNB Interest Rates on Advances — current benchmark row
Page / section
table, 8.35% effective 8 October 2026; paired with vehicle rate-page section 10 formulas
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Minimum net monthly income₹10,000 after all deductions, including the proposed instalment.View source
The published income floor is net of all deductions and includes the proposed two-wheeler instalment.
Source
PNB Saarthi — two-wheeler loan scheme for public
Page / section
Income Criteria
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Maximum finance by vehicle class₹10 lakh for super-bikes/hybrid two-wheelers with engine capacity 200 cc and above; ₹1.50 lakh for other eligible two-wheelers.View source
PNB lists different maxima for the 200cc-and-above super/hybrid class and other vehicles.
Source
PNB Saarthi — two-wheeler loan scheme for public
Page / section
Quantum of Finance
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Maximum repayment period by vehicle classScooter/motorcycle: 60 months; scooterette: 30 months; moped: 24 months.View source
The page states separate maximum repayment periods for motorcycles/scooters, scooterettes and mopeds.
Source
PNB Saarthi — two-wheeler loan scheme for public
Page / section
Repayment (Maximum)
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Processing fee0.50% of loan amount; minimum ₹500 and maximum ₹1,000. Taxes/GST are extra.View source
The current Saarthi charge row gives 0.50%, ₹500 minimum, ₹1,000 maximum; tax note applies.
Source
PNB Services Charges Related to Retail Advances — vehicle rows
Page / section
PNB Saarthi charge row and tax note
Accessed
8 Oct 2026
Confidence
high
Open official source ↗
Prepayment chargeNil prepayment charge.View source
PNB explicitly lists nil prepayment charges.
Source
PNB Saarthi — two-wheeler loan scheme for public
Page / section
Prepayment Charges
Accessed
8 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Up to ₹10 lakh for a super-bike/hybrid two-wheeler of 200 cc or more; up to ₹1.50 lakh for other eligible vehicles
  • Minimum net monthly income ₹10,000 after all deductions including the proposed
  • Salaried floating/fixed rates 10.85%/11.85%; other-borrower rates 11.35%/12.35%
  • Maximum 60, 30 or 24 by vehicle class
  • Processing 0.50%, minimum ₹500 and maximum ₹1,000 plus tax; nil prepayment charge

Eligibility

  • Applicants are generally 18–65 with a valid driving licence; salaried borrowers with pension may be eligible up to age 70. Existing PNB customers need six months of satisfactory account conduct; new customers need a one-year satisfactory banking record elsewhere. Students aged 18+ may apply with a salaried parent as co-borrower.

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

Related official documents

PNB Interest Rates on Advances — current MCLR and RLLR benchmarksofficial-bank-rate-page · reused-current-benchmark-reviewed-2026-10-08 · accessed 8 Oct 2026
↗
PNB Display of RBI Norms — retail-loan rates, charges and APR, quarter ended March 2026official-regulatory-disclosure-pdf · all-pages-text-and-visual-review-complete · accessed 8 Oct 2026
↗
Services Charges Related to Retail Advances — PNBofficial-service-charge-page · current · accessed 30 Aug 2026
↗
Retail Advances — PNB interest-rate tableofficial-rate-table · current · accessed 30 Aug 2026
↗
PNB Services Charges Related to Retail Advances — vehicle rowsofficial-service-charge-page · current-vehicle-charge-rows-reviewed · accessed 8 Oct 2026
↗
PNB Retail Advances — current vehicle-loan rate tablesofficial-retail-rate-page · current-vehicle-sections-reviewed · accessed 8 Oct 2026
↗
PNB Saarthi — Two-Wheeler Loan for Publicofficial-product-page · current · accessed 30 Aug 2026
↗
PNB Saarthi — two-wheeler loan scheme for publicofficial-product-page · complete-product-page-reviewed · accessed 8 Oct 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹25,550twenty-five thousand five hundred fifty rupees
Interest paid over the full loan₹36,31,998thirty-six lakh thirty-one thousand nine hundred ninety-eight rupees
Everything you repay₹61,31,998sixty-one lakh thirty-one thousand nine hundred ninety-eight 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.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Two Wheeler Loan · range / mean10.60%–11.85%; mean 11.23%

This value is copied from PNB Saarthi — historical two-wheeler portfolio rates, charges and (March 2026 quarter). Check the table notes before relying on it.

Source: PNB Display of Norms — retail-loan rates, charges and , quarter ended March 2026 · Pages 1–3, Annexures 1A–1C; Two Wheeler Loan row Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 1 row · 6 columnsPNB Saarthi — historical two-wheeler portfolio rates, charges and APR (March 2026 quarter)Historical portfolio disclosure, not a current PNB Saarthi offer. The generic Two Wheeler Loan row is shown as a bank portfolio category; it is not a Saarthi-specific quote. The APR annexure calculates on a ₹1,00,000 loan.View tableHide table

Scroll sideways to view every column

PNB Saarthi — historical two-wheeler portfolio rates, charges and APR (March 2026 quarter)
Scheme row range / meanProcessing feeDocumentation charge rangeScope and conditions
Two Wheeler Loan10.60%–11.85%; mean 11.23%0.50% of loan amount; minimum ₹500 and maximum ₹1,000 plus taxes11.35%–12.55%Past-quarter portfolio figures; the disclosure leaves the documentation-charge cell blank; basis ₹1,00,000.
PNB Display of Norms — retail-loan rates, charges and , quarter ended March 2026 · Pages 1–3, Annexures 1A–1C; Two Wheeler Loan row · accessed 8 Oct 2026Open official source ↗
Table 2 · 9 rows · 2 columnsPNB Saarthi — current vehicle-class terms and ratesAll named borrower-rate rows and product-page class limits, income rule, charge and repayment durations.View tableHide table

Scroll sideways to view every column

PNB Saarthi — current vehicle-class terms and rates
Scheme / caseRate and published condition
SalariedFloating 10.85%; fixed 11.85% p.a.; ++2.75 floating spread.
Others, including business concernsFloating 11.35%; fixed 12.35% p.a.; ++3.25 floating spread.
Super-bike/hybrid 200 cc+Maximum ₹10 lakh.
Other eligible two-wheelersMaximum ₹1.50 lakh.
Minimum income₹10,000 net per month after all deductions including proposed .
RepaymentScooter/motorcycle 60 months; scooterette 30 months; moped 24 months.
Customer/age rulesExisting PNB account satisfactory for 6 months, or new-to-PNB customer with 1-year satisfactory other-bank history; age 18–65, valid licence; salaried-with-pension route up to 70; student 18+ with salaried parent co-borrower.
Margin/guaranteeSalary/check-off margin 10%; business concern margin 25%; guarantor rule depends on finance amount and listed scheme terms.
Processing/prepayment0.50%, minimum ₹500, maximum ₹1,000 plus taxes; prepayment nil.
PNB Saarthi and Retail Advances vehicle rate/charge pages · All applicable product-page headings; rate section 10; Saarthi charge row · accessed 8 Oct 2026Open official source ↗

More from Punjab National Bank

Related products

PNB Advance against FCNR(B) Deposit

A deposit-backed loan for , generally based on a percentage of an (B) deposit. PNB publishes maturity-based margins, a 1–5-year tenure range, and separate rupee and foreign-currency pricing routes.

View product

PNB Agriclinic and Agribusiness Centres Scheme

Need-based finance for eligible agriculture graduates and other listed candidates setting up farm-advisory clinics or agribusiness service centres.

View product

PNB Agriculture Infrastructure Fund Scheme

Term finance for eligible post-harvest infrastructure and community-farming assets, with project-cost-based limits, a published margin schedule and interest subvention on eligible lending.

View product

PNB Agriculture Marketing Infrastructure (AMI) Finance

Need-based finance for agricultural marketing and post-harvest infrastructure. AMI subsidy applications and new sanctions are in abeyance pending fresh budget allocation; PNB's older linked percentage/cap table is preserved as historical reference, not a currently available benefit.

View product