₹1 lakh bike loan: EMI ₹3,500 laga lekin ₹28,000 extra chala gaya
Ek Bhopal ka youth apne two-wheeler loan ka asli cost share karta hai.
5 मिनट पढ़ें
1200 शब्द
1/4/2026
Pulsar 150 li. On-road ₹1.2 lakh. Loan ₹1 lakh. EMI ₹3,500 for 36 months. Socha ₹1 lakh return karunga. 3 saal baad total payment: ₹1,26,000. ₹26,000 extra. Processing fee, insurance bundling, document charges — sab hidden tha. Main hoon Ravi, 24, Bhopal mein delivery executive.
उपयोग विधि
Bike Loan Breakdown:
On-road price: ₹1,20,000
Down payment: ₹20,000
Loan: ₹1,00,000
Interest rate: 14%
EMI: ₹3,420 × 36 = ₹1,23,120
Hidden charges:
Processing fee: ₹3,000
Insurance (forced bundling, 3 years): ₹18,000
Document charges: ₹2,500
Stamp duty: ₹500
Foreclosure penalty clause: 5%
Total paid: ₹1,23,120 + ₹24,000 hidden = ₹1,47,120
Bike value after 3 years: ₹55,000
Net loss: ₹1,47,120 - ₹55,000 - ₹20,000 down = ₹72,120
EMI calculator mein:
Agar cash mein liya hota: ₹1,20,000
Loan se liya: ₹1,47,120
Extra cost: ₹27,120 (22.6% more)
Better option: Second hand bike (2 saal purani)
Pulsar 150, 15,000 km: ₹65,000
No loan, no hidden charges
3 saal baad value: ₹40,000
Net loss: ₹25,000 (vs ₹72,120)
प्रो टिप्स
EMI calculator use karein. Loan amount + total interest + processing fee = actual cost. Yeh number dekhne ke baad decision lein.
Showroom ke insurance mat lein. Bahar se third-party + comprehensive sasta milega. Almost 40% savings.
Second hand bike seriously consider karein. 2 saal purani bike 50% kam price mein milti hai. Engine aur condition almost same hoti hai.
सामान्य गलतियाँ
Sabse badi galti: Zero down payment ke chakkar mein padna. Zero down payment = zyada loan = zyada interest. Hamesha maximum down payment karein.
Doosri galti: Showroom ka insurance bundle accept karna. Yeh almost 40% mehenga hota hai. Policybazaar se compare karein.
Teesri galti: Resale value nahi sochna. 3 saal baad bike 50% value khodeti hai. Agar loan abhi chal raha hai to underwater aa jayenge.