Bajaj Freedom 125 EMI Calculator


Updated on November 2026
The Bajaj Freedom 125 EMI is Rs. 2,742 per month for 36 months at 11.99% on a loan of Rs. 82,562, with a down payment of Rs. 37,897. This is based on the NG04 Drum LED variant's on-road price of Rs. 1,20,459 in Delhi (ex-showroom Rs. 1,04,058). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: Freedom 125 On-road price | Freedom 125 Mileage

Bajaj Freedom 125 EMI and Down Payment

Ex-showroom
: Rs. 1,04,058
On-road price
: Rs. 1,20,459  (Delhi)
Loan amount
: Rs. 82,562  (On-road price - Down payment)
Down payment
: Rs. 37,897  (Amount paid upfront)
Monthly EMI
: Rs. 2,742  (For Tenure of 36 months @ 11.99%; banks start from 10.05%)
Insurance
: Rs. 6,527
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Bajaj Freedom 125 Bike Loan EMI Calculator

Variant
NG04 Drum LED
On-road price (Delhi)
Rs. 1,20,459
Down payment
Rs. 37,897
Loan amount
Rs. 82,562
Interest rate
11.99%
Tenure
36 months
Monthly EMI
Rs. 2,742
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

Bajaj Freedom 125 Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 2,742
36 months @ 11.99%
  • Down paymentRs. 37,897
  • Loan amountRs. 82,562
  • Total interestRs. 16,150
  • Total loan repayment (EMIs)Rs. 98,712
  • Total purchase outlayRs. 1,36,609

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the NG04 Drum LED 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. 24,312Rs. 8,592Rs. 58,250
Year 2 Months 13-24Rs. 27,393Rs. 5,511Rs. 30,857
Year 3 Months 25-36Rs. 30,857Rs. 2,047Rs. 0
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Bajaj Freedom 125 Loan Interest Rates by Bank

Bajaj Freedom 125 loan rates, 36 months, loan Rs. 82,562
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 2,842 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 2,666 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 2,703 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 2,808 (36 months)
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Bajaj Freedom 125 EMI by Tenure

For a Rs. 82,562 loan on the NG04 Drum LED at 11.99%.

Tenure EMI Total Interest Total Payable
12 months Rs. 7,335 Rs. 5,458 Rs. 88,020
24 months Rs. 3,886 Rs. 10,702 Rs. 93,264
36 months Rs. 2,742 Rs. 16,150 Rs. 98,712
48 months Rs. 2,174 Rs. 21,790 Rs. 1,04,352
60 months Rs. 1,836 Rs. 27,598 Rs. 1,10,160
Bajaj Freedom 125
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Bajaj Freedom 125
4.6 108 user reviews
Starts at ₹ 1,04,058
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Bajaj Freedom 125 Variant-Wise EMI

On-road prices in Delhi. Every variant uses the same rule: the loan runs 36 months at 11.99%, and the down payment is the on-road price minus the loan.

Freedom 125 Variants Fuel/Transmission Ex-showroom On-road Price Loan @11.99% Down Payment EMI (36 months)
NG04 Drum LED CNG Rs. 1,04,058 Rs. 1,20,459 Rs. 82,562 Rs. 37,897 Rs. 2,742
NG04 Drum CNG Rs. 1,09,095 Rs. 1,25,995 Rs. 86,701 Rs. 39,294 Rs. 2,879
NG04 Disc LED CNG Rs. 1,18,578 Rs. 1,36,417 Rs. 94,494 Rs. 41,923 Rs. 3,138

How Is the Bajaj Freedom 125 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 NG04 Drum LED variant: P = Rs. 82,562, r = (11.99 ÷ 12) ÷ 100 = 0.009992 and n = 36 months, which gives an EMI of Rs. 2,742.

The calculation starts from the Delhi on-road price of Rs. 1,20,459 (ex-showroom Rs. 1,04,058 plus insurance, RTO and other charges).

Factors That Affect Your Bajaj Freedom 125 Loan EMI

  • Down payment: Every Rs. 10,000 of extra down payment lowers the EMI by about Rs. 332 at 11.99% for 36 months.
  • Interest rate: A rate 1% higher adds about Rs. 39 to the EMI on a Rs. 82,562 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. 7,335; over 60 months it drops to Rs. 1,836 but you pay Rs. 22,140 more in interest.
  • Variant and city: In Delhi the EMI ranges from Rs. 2,742 (NG04 Drum LED) to Rs. 3,138 (NG04 Disc LED). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

Bajaj Freedom 125 EMI vs SP125, Raider, Apache RTR 160

Starting EMI of each model's base variant, worked out the same way as the Bajaj Freedom 125: the down payment is the on-road price minus the loan, and the rate depends on the price, so check it in each row.

ModelOn-road PriceEMITenureInterest RateCompare
Honda SP125 STD Rs. 1,07,340 Rs. 2,429 36 months 9.45% Compare with Freedom 125
TVS Raider Drum Rs. 97,759 Rs. 2,261 36 months 9.45% Compare with Freedom 125
TVS Apache RTR 160 RM Drum Black Edition Rs. 1,36,911 Rs. 3,082 36 months 9.45% Compare with Freedom 125
TVS Apache RTR 160 4V RM Disc (Black Edition) Rs. 1,40,716 Rs. 3,257 36 months 9.45% Compare with Freedom 125

Frequently Asked Questions About Bajaj Freedom 125 EMI

What is the monthly EMI for the Bajaj Freedom 125?

Rs. 2,742 a month for the NG04 Drum LED, on a Rs. 82,562 loan at 11.99% for 3 years. The top NG04 Disc LED works out to Rs. 3,138.

How much down payment is required for the Bajaj Freedom 125?

About Rs. 37,897 for the NG04 Drum LED in Delhi. That's the on-road price of Rs. 1,20,459 minus the Rs. 82,562 loan.

How does the loan tenure affect the Bajaj Freedom 125 EMI?

Over 1 year the EMI is Rs. 7,335 and you pay Rs. 5,458 in interest. Stretch it to 5 years and the EMI drops to Rs. 1,836, but interest rises to Rs. 27,598.

Is the Bajaj Freedom 125 EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the NG04 Drum LED costs Rs. 1,20,459 on-road, which includes Rs. 6,527 insurance and Rs. 9,874 RTO and other charges.

Does the Bajaj Freedom 125 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 Bajaj Freedom 125 loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 82,562 loan comes to Rs. 2,666 a month.

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