91 Electric FX1 EMI Calculator
Updated on October 2026
91 Electric FX1 EMI and Down Payment
91 Electric FX1 Bike Loan EMI Calculator
- Variant
- Lead Acid 60V 32.9Ah
- On-road price (Delhi)
- Rs. 64,654
- Down payment
- Rs. 14,462
- Loan amount
- Rs. 50,192
- Interest rate
- 9.45%
- Tenure
- 36 months
- Monthly EMI
- Rs. 1,607
91 Electric FX1 Bike Loan EMI & Loan Breakdown
- Down paymentRs. 14,462
- Loan amountRs. 50,192
- Total interestRs. 7,660
- Total loan repayment (EMIs)Rs. 57,852
- Total purchase outlayRs. 72,314
Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the Lead Acid 60V 32.9Ah costs you over the loan; it does not include insurance renewal, fuel, maintenance or lender charges other than the processing fee.
| Year | Principal paid | Interest paid | Outstanding loan |
|---|---|---|---|
| Year 1 Months 1-12 | Rs. 15,187 | Rs. 4,097 | Rs. 35,005 |
| Year 2 Months 13-24 | Rs. 16,687 | Rs. 2,597 | Rs. 18,318 |
| Year 3 Months 25-36 | Rs. 18,318 | Rs. 966 | Rs. 0 |
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91 Electric FX1 Loan Interest Rates by Bank
| Lending Partners | Interest Rate | EMI Starting From (36 Months) |
|---|---|---|
 HDFC Bank |
14.5% onwards | Rs. 1,728 (36 months) |
| ICICI Bank |
10.05% onwards | Rs. 1,621 (36 months) |
| Axis Bank |
11% onwards | Rs. 1,643 (36 months) |
| Bank of Baroda |
13.65% onwards | Rs. 1,707 (36 months) |
91 Electric FX1 EMI by Tenure
For a Rs. 50,192 loan on the Lead Acid 60V 32.9Ah at 9.45%.
| Tenure | EMI | Total Interest | Total Payable |
|---|---|---|---|
| 12 months | Rs. 4,400 | Rs. 2,608 | Rs. 52,800 |
| 24 months | Rs. 2,303 | Rs. 5,080 | Rs. 55,272 |
| 36 months | Rs. 1,607 | Rs. 7,660 | Rs. 57,852 |
| 48 months | Rs. 1,260 | Rs. 10,288 | Rs. 60,480 |
| 60 months | Rs. 1,053 | Rs. 12,988 | Rs. 63,180 |
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91 Electric FX1 Variant-Wise EMI
On-road prices in Delhi. Every variant uses the same rule: the loan runs 36 months at 9.45%, and the down payment is the on-road price minus the loan.
| FX1 Variants | Fuel/Transmission | Ex-showroom | On-road Price | Loan @9.45% | Down Payment | EMI (36 months) |
|---|---|---|---|---|---|---|
| Lead Acid 60V 32.9Ah | Electric | Rs. 60,999 | Rs. 64,654 | Rs. 50,192 | Rs. 14,462 | Rs. 1,607 |
| Lead Acid 72V 32.9Ah | Electric | Rs. 65,999 | Rs. 69,735 | Rs. 54,548 | Rs. 15,187 | Rs. 1,746 |
| Lithium Ion 60V 30Ah | Electric | Rs. 78,999 | Rs. 82,946 | Rs. 65,873 | Rs. 17,073 | Rs. 2,109 |
| Lithium Ion 60V 40Ah | Electric | Rs. 84,999 | Rs. 89,044 | Rs. 71,100 | Rs. 17,944 | Rs. 2,276 |
How Is the 91 Electric FX1 EMI Calculated?
EMI = [P × r × (1 + r)n] ÷ [(1 + r)n − 1], where P is the loan amount, r is the monthly interest rate {(annual rate ÷ 12) ÷ 100} and n is the tenure in months. For the Lead Acid 60V 32.9Ah variant: P = Rs. 50,192, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 1,607.
The calculation starts from the Delhi on-road price of Rs. 64,654 (ex-showroom Rs. 60,999 plus insurance, RTO and other charges).
Factors That Affect Your 91 Electric FX1 Loan EMI
- Down payment: Every Rs. 10,000 of extra down payment lowers the EMI by about Rs. 320 at 9.45% for 36 months.
- Interest rate: A rate 1% higher adds about Rs. 23 to the EMI on a Rs. 50,192 loan. Starting rates from the banks on this page range from 10.05% to 14.5%.
- Loan tenure: Over 12 months the EMI is Rs. 4,400; over 60 months it drops to Rs. 1,053 but you pay Rs. 10,380 more in interest.
- Variant and city: In Delhi the EMI ranges from Rs. 1,607 (Lead Acid 60V 32.9Ah) to Rs. 2,276 (Lithium Ion 60V 40Ah). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.
91 Electric FX1 EMI vs HF Deluxe, Radeon, Pleasure Plus
Starting EMI of each model's base variant, worked out the same way as the 91 Electric FX1: the down payment is the on-road price minus the loan.
| Model | On-road Price | EMI | Tenure | Interest Rate | Compare |
|---|---|---|---|---|---|
| Hero HF Deluxe All Black OBD2B | Rs. 70,955 | Rs. 1,564 | 36 months | 9.45% | Compare with FX1 |
| TVS Radeon All Black Edition | Rs. 69,433 | Rs. 1,577 | 36 months | 9.45% | Compare with FX1 |
| Hero Pleasure Plus LX | Rs. 85,177 | Rs. 1,851 | 36 months | 9.45% | Compare with FX1 |
| Hero HF Deluxe Pro STD | Rs. 84,719 | Rs. 1,931 | 36 months | 9.45% | Compare with FX1 |
Frequently Asked Questions About 91 Electric FX1 EMI
What is the monthly EMI for the 91 Electric FX1?
Rs. 1,607 a month for the Lead Acid 60V 32.9Ah, on a Rs. 50,192 loan at 9.45% for 3 years. The top Lithium Ion 60V 40Ah works out to Rs. 2,276.
How much down payment is required for the 91 Electric FX1?
About Rs. 14,462 for the Lead Acid 60V 32.9Ah in Delhi. That's the on-road price of Rs. 64,654 minus the Rs. 50,192 loan.
How does the loan tenure affect the 91 Electric FX1 EMI?
Over 1 year the EMI is Rs. 4,400 and you pay Rs. 2,608 in interest. Stretch it to 5 years and the EMI drops to Rs. 1,053, but interest rises to Rs. 12,988.
Is the 91 Electric FX1 EMI calculated on the ex-showroom price or the on-road price?
On the on-road price. In Delhi the Lead Acid 60V 32.9Ah costs Rs. 64,654 on-road, which includes Rs. 3,455 insurance and Rs. 200 RTO and other charges.
Does the 91 Electric FX1 EMI calculator include the processing fee?
Yes. The Rs. 2,950 processing fee is paid with the down payment and is not added to the loan.
Which bank has the lowest interest rate for a 91 Electric FX1 loan?
ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 50,192 loan comes to Rs. 1,621 a month.
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