KTM range and what it means for your loan
KTM bikes are sold through Bajaj's network and can be financed by Bajaj Auto Credit or banks. Premium bike loans often come with longer tenures, but insurance for these bikes is also higher.
| Popular model | Type |
|---|---|
| 160 Duke | Premium bike |
| 390 Duke | Premium bike |
| 390 Adventure | Adventure bike |
| 390 Adventure R | Adventure bike |
| 1390 Super Duke R | Superbike |
EMI on a KTM bike or scooter
Worked examples at an example rate of 12% a year over 3 years, with 20% paid upfront. Prices are ex-showroom; the on-road price adds registration, insurance and road tax, so your actual loan may be a little higher.
| Ex-showroom price | Down payment (20%) | Loan | Monthly EMI | Total interest |
|---|---|---|---|---|
| ₹1.84 lakh (entry) | ₹36,800 | ₹1.47 lakh | ₹4,889 | ₹28,809 |
| ₹6.5 lakh (mid) | ₹1.3 lakh | ₹5.2 lakh | ₹17,271 | ₹1,01,772 |
| ₹22.96 lakh (top) | ₹4.59 lakh | ₹18.37 lakh | ₹61,008 | ₹3,59,490 |
Change the price, rate and tenure in the Two Wheeler Loan EMI calculator.
Who finances KTM bikes and scooters
Bajaj Auto Credit Limited (BACL). KTM is sold in India through Bajaj Auto's network; BACL lists KTM Duke, Adventure and RC models among vehicles it finances.
Dealer finance or your own bank? Dealer or brand finance is convenient and sometimes comes with offers, but the rate is not always the lowest. A bank where you already have an account may offer a pre-approved loan. Ask both for the Key Fact Statement and compare the APR and total repayable amount, not just the EMI.
Lenders for a KTM bike or scooter
Any of these lenders can finance a KTM, whether or not it is the brand's partner. Rates as published on each lender's website.
| Lender | Published rate | Max tenure |
|---|---|---|
| IDFC FIRST Bank | From 9% | 60 months |
| HDFC Bank | 9.99% - 25.02% | — |
| Axis Bank | 10% - 28% | 12-48 months |
| Punjab National Bank | From 10.00% | 60 EMIs |
| ICICI Bank | 10.25% - 26.10% | Up to 36 months |
| Union Bank of India | 11.10% - 11.20% | — |
| SBI | 11.70% - 15.70% | Up to 60 months |
| Tata Capital | From 12.5% p.a. | 60 months |
| Federal Bank | 12.60% - 16.00% | 60 months |
| Hero FinCorp | 14% - 36% p.a. | 60 months |
| Chola | 15% - 28% p.a. | — |
| Kotak Mahindra Bank | — | 12 - 36 months |
Tips before you finance a KTM
- On small loans, flat processing fees and add-ons can matter more than the rate, so compare the total cost.
- A 24 to 36 month tenure usually keeps both the EMI and the total interest low.
- First-time borrowers can build a credit history with a two-wheeler loan, as long as every EMI is paid on time.
- Check whether the dealer's "low down payment" scheme comes with a higher rate or fees.
KTM Bike Loan in your city
Pick your city to see the KTM EMI with local on-road costs in mind, the documents lenders ask for there and nearby cities in the same state.
Other brands and guides
Sources
Prices and line-up checked on 4 October 2026 from: autocarindia.com, bajajautocredit.com. Prices change often; confirm the on-road price with your dealer.
Frequently asked questions
What is the EMI on the cheapest KTM?
At about ₹1,84,000 ex-showroom, with 20% down and 12% over 3 years, the EMI is about ₹4,889. Your rate and on-road price will change this.
Does KTM have its own finance company?
Finance is offered through Bajaj Auto Credit Limited (BACL). You can also take a loan from any bank or NBFC.
How much down payment do I need for a KTM?
Many lenders fund 80% to 100% of the on-road price, but a 15% to 20% down payment lowers the EMI and total interest. Check the funding limit with your lender.
Is dealer finance cheaper than a bank loan for a KTM?
Not always. Dealer schemes can be convenient and sometimes discounted, but compare the APR and total repayable amount in the Key Fact Statement with a bank's offer.
Which lender is best for a KTM?
There is no single best lender; it depends on your credit score, income and the model. Public sector banks often publish the lowest starting rates, while NBFCs may approve profiles banks decline.
KhatuLoans is not a lender and is not paid by the lenders or brands named here to rank them. Rates, fees and prices change; always confirm with the lender and dealer. Read our editorial policy and how we make money.