Tools
EMI calculator
Pick a model, set the down payment and tenure, and see the monthly figure — and what the loan adds in interest.
How the figure is worked out
The calculator uses the standard reducing-balance formula every lender applies: interest is charged on the outstanding balance, which falls each month as you repay, so an early instalment is mostly interest and a late one is mostly principal. The monthly figure itself does not change.
Two things it cannot know. Your rate depends on the lender and your credit history — the 9.7% it starts at is a working figure for a two-wheeler loan, not an offer. And most dealers finance the on-road price rather than ex-showroom, so if you are borrowing against the full amount, run the on-road estimate first and put that number into the price slider.