Aoki Sherpa Z1 EMI Calculator


Updated on November 2026
The Aoki Sherpa Z1 EMI is Rs. 993 per month for 36 months at 9.45% on a loan of Rs. 31,025, with a down payment of Rs. 11,272. This is based on the Ice Blue variant's on-road price of Rs. 42,297 in Delhi (ex-showroom Rs. 38,999). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: Sherpa Z1 On-road price | Sherpa Z1 Mileage

Aoki Sherpa Z1 EMI and Down Payment

Ex-showroom
: Rs. 38,999
On-road price
: Rs. 42,297  (Delhi)
Loan amount
: Rs. 31,025  (On-road price - Down payment)
Down payment
: Rs. 11,272  (Amount paid upfront)
Monthly EMI
: Rs. 993  (For Tenure of 36 months @ 9.45%; banks start from 10.05%)
Insurance
: Rs. 3,098
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Aoki Sherpa Z1 Bike Loan EMI Calculator

Variant
Ice Blue
On-road price (Delhi)
Rs. 42,297
Down payment
Rs. 11,272
Loan amount
Rs. 31,025
Interest rate
9.45%
Tenure
36 months
Monthly EMI
Rs. 993
EMI in advance: You pay one EMI instalment in advance to the bank. This amount is EMI in arrears: You don't make any advance EMI payments. The bank disburses the loan

Aoki Sherpa Z1 Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 993
36 months @ 9.45%
  • Down paymentRs. 11,272
  • Loan amountRs. 31,025
  • Total interestRs. 4,723
  • Total loan repayment (EMIs)Rs. 35,748
  • Total purchase outlayRs. 47,020

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the Ice Blue costs you over the loan; it does not include insurance renewal, fuel, maintenance or lender charges other than the processing fee.

YearPrincipal paidInterest paidOutstanding loan
Year 1 Months 1-12Rs. 9,384Rs. 2,532Rs. 21,641
Year 2 Months 13-24Rs. 10,310Rs. 1,606Rs. 11,331
Year 3 Months 25-36Rs. 11,331Rs. 585Rs. 0
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Aoki Sherpa Z1 Loan Interest Rates by Bank

Aoki Sherpa Z1 loan rates, 36 months, loan Rs. 31,025
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 1,068 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 1,002 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 1,016 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 1,055 (36 months)
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Aoki Sherpa Z1 EMI by Tenure

For a Rs. 31,025 loan on the Ice Blue at 9.45%.

Tenure EMI Total Interest Total Payable
12 months Rs. 2,720 Rs. 1,615 Rs. 32,640
24 months Rs. 1,424 Rs. 3,151 Rs. 34,176
36 months Rs. 993 Rs. 4,723 Rs. 35,748
48 months Rs. 779 Rs. 6,367 Rs. 37,392
60 months Rs. 651 Rs. 8,035 Rs. 39,060
Aoki Sherpa Z1
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Aoki Sherpa Z1
Starts at ₹ 38,999
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Aoki Sherpa Z1 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.

Sherpa Z1 Variants Fuel/Transmission Ex-showroom On-road Price Loan @9.45% Down Payment EMI (36 months)
Ice Blue Electric Rs. 38,999 Rs. 42,297 Rs. 31,025 Rs. 11,272 Rs. 993
Grey Electric Rs. 39,999 Rs. 43,314 Rs. 31,897 Rs. 11,417 Rs. 1,021

How Is the Aoki Sherpa Z1 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 Ice Blue variant: P = Rs. 31,025, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 993.

The calculation starts from the Delhi on-road price of Rs. 42,297 (ex-showroom Rs. 38,999 plus insurance, RTO and other charges).

Factors That Affect Your Aoki Sherpa Z1 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. 15 to the EMI on a Rs. 31,025 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. 2,720; over 60 months it drops to Rs. 651 but you pay Rs. 6,420 more in interest.
  • Variant and city: In Delhi the EMI ranges from Rs. 993 (Ice Blue) to Rs. 1,021 (Grey). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

Aoki Sherpa Z1 EMI vs Rubie, X One, Neu

Starting EMI of each model's base variant, worked out the same way as the Aoki Sherpa Z1: the down payment is the on-road price minus the loan.

ModelOn-road PriceEMITenureInterest RateCompare
Yakuza Electric Rubie 48V Rs. 43,640 Rs. 1,030 36 months 9.45% Compare with Sherpa Z1
Komaki X One Graphene Rs. 43,301 Rs. 1,021 36 months 9.45% Compare with Sherpa Z1
Yakuza Electric Neu 48V Rs. 45,347 Rs. 1,077 36 months 9.45% Compare with Sherpa Z1
Komaki XGT KM Graphene Rs. 49,397 Rs. 1,188 36 months 9.45% Compare with Sherpa Z1

Frequently Asked Questions About Aoki Sherpa Z1 EMI

What is the monthly EMI for the Aoki Sherpa Z1?

Rs. 993 a month for the Ice Blue, on a Rs. 31,025 loan at 9.45% for 3 years. The top Grey works out to Rs. 1,021.

How much down payment is required for the Aoki Sherpa Z1?

About Rs. 11,272 for the Ice Blue in Delhi. That's the on-road price of Rs. 42,297 minus the Rs. 31,025 loan.

How does the loan tenure affect the Aoki Sherpa Z1 EMI?

Over 1 year the EMI is Rs. 2,720 and you pay Rs. 1,615 in interest. Stretch it to 5 years and the EMI drops to Rs. 651, but interest rises to Rs. 8,035.

Is the Aoki Sherpa Z1 EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the Ice Blue costs Rs. 42,297 on-road, which includes Rs. 3,098 insurance and Rs. 200 RTO and other charges.

Does the Aoki Sherpa Z1 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 Aoki Sherpa Z1 loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 31,025 loan comes to Rs. 1,002 a month.

Ask or read owner questions on Aoki Sherpa Z1 Q&A

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