Planning to Buy a Bike Under INR 2 Lakhs? Here’s How a Two-Wheeler Loan Can Help

Bikes offer an appealing blend of style, performance, and modern features, making them ideal for both daily commutes and weekend rides. While the cost of a new bike can feel steep, the good news is that some of the best two-wheelers in 2025 are available in India for under INR 2 lakhs.

Let's look at the key factors to consider when exploring affordable bike options and understand how a two-wheeler loan can make your purchase easier.

Factors to Consider When Buying a Bike Under INR 2 Lakhs

If your goal is to own one of the best bikes under INR 2 lakhs in 2025, you should consider the following factors before your purchase:

Bike Usage

The type of bike you choose should align with your intended usage. Bikes designed for regular commuting within cities are usually lightweight, practical, low-maintenance, and may also offer higher mileage. Sports bikes or off-roading bikes, on the other hand, typically feature more aggressive frames, high-performing engines, and are ideal for touring longer distances. Choose a model that fits your riding needs.

Safety Features

As you explore some of the top bikes in India under INR 2 lakhs, don’t forget to compare the safety features of different bike models. Features like the anti-lock braking system (ABS), disc brakes, and traction control system (TCS) can ensure better grip, preventing skidding on slippery roads. Also, opt for a bike with a sturdy frame and a good suspension system to travel rugged roads with greater stability and ease.

Fuel Efficiency

Fuel efficiency determines how far a bike can travel on a specific quantity of fuel. Considering bike mileage before purchasing can significantly reduce your cost of running the bike, as higher fuel efficiency or mileage can lead to lower recurring fuel expenses.

Engine Capacity

The size of your engine, usually measured in cubic centimetres, affects the power and the overall performance of your bike. Smaller engines (150 to 200 cc) are ideal for city rides because they offer a good balance between performance and mileage. A bike with an engine of 250 cc or more can make your ride more powerful, but it may not be ideal for driving on congested streets.

Maintenance Costs

When you’re choosing to buy a new bike under INR 2 lakhs, don’t forget to factor in its maintenance costs, as they contribute significantly to the total cost of ownership. It's advisable to go for models from well-established manufacturers that offer a wide network of authorised service centres. This ensures easier access to genuine parts and affordable service in the long run.

Why Consider a Two-Wheeler Loan?

A two-wheeler loan is a financing option specifically designed to help you purchase a motorcycle or scooter. It offers several benefits:

• Competitive Interest Rates: Eligible applicants can benefit from competitive two-wheeler loan interest rates, which help reduce the overall loan cost.
• Flexible Repayment Tenures: These loans typically come with flexible tenures of up to 48 months, allowing you to choose a period that aligns with your financial situation.
• Convenient Process: The online application process is quick and easy, requiring minimal documentation.
• Opportunity to Build Credit History: Regular and timely repayments on your two-wheeler loan can help improve your credit score, contributing to a stronger credit profile over time.

Conclusion

With a wide variety of bikes available under INR 2 lakhs in 2025, owning a stylish and reliable two-wheeler has become more accessible than ever. By assessing your needs, budget, and financing options carefully, you can make a well-informed two-wheeler purchase.

At SMFG India Credit, we provide flexible two-wheeler loans with competitive interest rates and flexible repayment tenures. Estimate your monthly payments using our two-wheeler loan EMI calculator and apply online today!