Electric scooters are rapidly becoming the preferred choice for urban commuters in India. Among them, the Ather scooter has carved a niche for itself, thanks to its advanced technology, premium design, and eco-friendly performance. With rising demand for electric mobility, many buyers are now exploring financing options like Two Wheeler Loan to make owning an Ather scooter easier. In this guide, we’ll cover everything from checking the Ather scooter price to planning your EMI using a bike loan calculator.

Why Choose an Ather Scooter?

The Ather scooter stands out in India’s electric two-wheeler market for several reasons:

  • Performance: Ather scooters are equipped with high-capacity batteries, offering smooth acceleration and impressive top speeds.
  • Smart Features: Modern Ather scooters come with digital dashboards, smartphone connectivity, and navigation features.
  • Eco-Friendly: Zero emissions make it an environmentally responsible choice.
  • Low Maintenance: Electric scooters have fewer moving parts than conventional bikes, leading to lower maintenance costs.

These benefits make the Ather scooter a popular choice among city commuters, students, and professionals who value convenience, performance, and sustainability.

Check Ather Scooter Price

Before financing your scooter, it’s important to know the Ather scooter price in your city. Prices can vary based on the model, variant, and location. As of 2025, popular Ather models include:

  • Ather 450X: ₹ 1,47,999 (ex-showroom)

Keep in mind that these prices do not include registration, insurance, or additional accessories, which can add to the overall cost. Checking the exact price at a local Ather dealership ensures accurate budgeting for your purchase.

Financing Options: Two Wheeler Loan

While the upfront cost of an Ather scooter may seem high, a Two Wheeler Loan can make it affordable by spreading payments over a period of time. Banks and NBFCs in India provide flexible financing options for electric scooters, allowing you to choose a loan tenure, interest rate, and down payment that suits your budget.

Benefits of a Two Wheeler Loan:

  • Affordable EMIs: Break down the total cost into manageable monthly payments.
  • Immediate Ownership: Take home your Ather scooter without paying the full amount upfront.
  • Flexible Tenure: Choose a repayment period between 12 to 60 months.
  • Tax Benefits: Some loans for electric scooter may offer incentives or subsidies under government schemes.

Plan Your EMI Using a Bike Loan Calculator

A bike loan EMI calculator is a helpful online tool that allows buyers to estimate monthly payments before applying for a Two Wheeler Loan. By inputting the loan amount, tenure, and interest rate, you can quickly calculate:

  • Monthly EMI
  • Total interest payable
  • Total payment over the loan tenure

This helps you plan your finances effectively and ensures you choose a loan that fits your budget.

Example: Calculating EMI for an Ather 450X

Assume the ex-showroom price of an Ather 450X is ₹1,47,999 and you plan to pay a down payment of ₹50,000. If you opt for a 36-month loan at 12% interest, the EMI calculator will estimate your monthly payment. This ensures transparency and allows you to compare offers from multiple lenders.

Tips for Using a Two Wheeler Loan Effectively

  1. Compare Interest Rates: Banks and NBFCs offer different rates. Always compare before finalizing a lender.
  2. Check Hidden Charges: Some loans include processing fees or prepayment penalties. Factor these into your budget.
  3. Maintain a Good Credit Score: A higher credit score can help secure lower interest rates.
  4. Plan the Tenure Wisely: Shorter tenures mean higher EMIs but lower total interest; longer tenures reduce monthly payments but increase interest costs.

Additional Costs to Consider

When planning your purchase, remember to account for:

  • Registration and RTO charges
  • Insurance premium
  • Accessories like helmets or smart locks
  • Maintenance and battery replacement (if applicable after a few years)

Even with these costs, a Two Wheeler Loan makes the overall investment manageable.

Why Buying an Ather Scooter with EMI is a Smart Choice

  • Budget-Friendly: Spread the cost over months without straining your finances.
  • Access to Premium Models: EMI options make higher-end variants like the Ather 450X affordable.
  • Financial Planning: Using a bike loan calculator ensures you don’t commit to EMIs that exceed your monthly budget.
  • Eco-Conscious Choice: Even with financing, you contribute to reducing emissions and promoting sustainable transport.

Final Thoughts

The Ather scooter is a perfect blend of performance, technology, and sustainability. For buyers who cannot pay the full price upfront, a Two Wheeler Loan is an ideal solution. By checking the Ather scooter price and using a bike loan EMI calculator, you can plan your purchase efficiently and enjoy the benefits of electric mobility without financial strain.

Whether you are a daily commuter, a student, or a professional, financing an Ather scooter ensures you get modern features, low running costs, and a greener lifestyle while managing your budget effectively.