BMW R 1300 GS EMI Calculator


Updated on November 2026
The BMW R 1300 GS EMI is Rs. 66,330 per month for 36 months at 9% on a loan of Rs. 20,85,863, with a down payment of Rs. 6,07,150. This is based on the Pro variant's on-road price of Rs. 26,93,013 in Deoria (ex-showroom Rs. 24,00,000). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: R 1300 GS On-road price | R 1300 GS Mileage

BMW R 1300 GS EMI and Down Payment

Ex-showroom
: Rs. 24,00,000
On-road price
: Rs. 26,93,013  (Deoria)
Loan amount
: Rs. 20,85,863  (On-road price - Down payment)
Down payment
: Rs. 6,07,150  (Amount paid upfront)
Monthly EMI
: Rs. 66,330  (For Tenure of 36 months @ 9%; banks start from 10.05%)
Insurance
: Rs. 52,813
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BMW R 1300 GS Bike Loan EMI Calculator

Variant
Pro
On-road price (Deoria)
Rs. 26,93,013
Down payment
Rs. 6,07,150
Loan amount
Rs. 20,85,863
Interest rate
9%
Tenure
36 months
Monthly EMI
Rs. 66,330
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

BMW R 1300 GS Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 66,330
36 months @ 9%
  • Down paymentRs. 6,07,150
  • Loan amountRs. 20,85,863
  • Total interestRs. 3,02,017
  • Total loan repayment (EMIs)Rs. 23,87,880
  • Total purchase outlayRs. 29,95,030

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the Pro 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. 6,33,960Rs. 1,62,000Rs. 14,51,903
Year 2 Months 13-24Rs. 6,93,430Rs. 1,02,530Rs. 7,58,473
Year 3 Months 25-36Rs. 7,58,473Rs. 37,487Rs. 0
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BMW R 1300 GS Loan Interest Rates by Bank

BMW R 1300 GS loan rates, 36 months, loan Rs. 20,85,863
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 71,797 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 67,354 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 68,288 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 70,936 (36 months)
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BMW R 1300 GS EMI by Tenure

For a Rs. 20,85,863 loan on the Pro at 9%.

Tenure EMI Total Interest Total Payable
12 months Rs. 1,82,412 Rs. 1,03,081 Rs. 21,88,944
24 months Rs. 95,292 Rs. 2,01,145 Rs. 22,87,008
36 months Rs. 66,330 Rs. 3,02,017 Rs. 23,87,880
48 months Rs. 51,907 Rs. 4,05,673 Rs. 24,91,536
60 months Rs. 43,299 Rs. 5,12,077 Rs. 25,97,940
BMW R 1300 GS
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BMW R 1300 GS
3.3 3 user reviews
Starts at ₹ 24,00,000
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How Is the BMW R 1300 GS 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 Pro variant: P = Rs. 20,85,863, r = (9 ÷ 12) ÷ 100 = 0.0075 and n = 36 months, which gives an EMI of Rs. 66,330.

The calculation starts from the Deoria on-road price of Rs. 26,93,013 (ex-showroom Rs. 24,00,000 plus insurance, RTO and other charges).

Factors That Affect Your BMW R 1300 GS Loan EMI

  • Down payment: Every Rs. 10,000 of extra down payment lowers the EMI by about Rs. 318 at 9% for 36 months.
  • Interest rate: A rate 1% higher adds about Rs. 975 to the EMI on a Rs. 20,85,863 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. 1,82,412; over 60 months it drops to Rs. 43,299 but you pay Rs. 4,08,996 more in interest.
  • Variant and city: The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

BMW R 1300 GS EMI vs Ninja ZX-10R, S 1000 RR, Rocket 3

Starting EMI of each model's base variant, worked out the same way as the BMW R 1300 GS: the down payment is the on-road price minus the loan.

ModelOn-road PriceEMITenureInterest RateCompare
Kawasaki Ninja ZX-10R STD Rs. 23,35,235 Rs. 57,435 36 months 9% Compare with R 1300 GS
BMW S 1000 RR STD Rs. 26,65,148 Rs. 65,637 36 months 9% Compare with R 1300 GS
Triumph Rocket 3 R Rs. 26,96,468 Rs. 66,416 36 months 9% Compare with R 1300 GS
Harley-Davidson Fat Boy STD Rs. 31,42,186 Rs. 77,497 36 months 9% Compare with R 1300 GS

Frequently Asked Questions About BMW R 1300 GS EMI

What is the monthly EMI for the BMW R 1300 GS?

Rs. 66,330 a month for the Pro, on a Rs. 20,85,863 loan at 9% for 3 years.

How much down payment is required for the BMW R 1300 GS?

About Rs. 6,07,150 for the Pro in Deoria. That's the on-road price of Rs. 26,93,013 minus the Rs. 20,85,863 loan.

How does the loan tenure affect the BMW R 1300 GS EMI?

Over 1 year the EMI is Rs. 1,82,412 and you pay Rs. 1,03,081 in interest. Stretch it to 5 years and the EMI drops to Rs. 43,299, but interest rises to Rs. 5,12,077.

Is the BMW R 1300 GS EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Deoria the Pro costs Rs. 26,93,013 on-road, which includes Rs. 52,813 insurance and Rs. 2,40,200 RTO and other charges.

Does the BMW R 1300 GS EMI calculator include the processing fee?

Yes. The Rs. 5,450 processing fee is paid with the down payment and is not added to the loan.

Which bank has the lowest interest rate for a BMW R 1300 GS loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 20,85,863 loan comes to Rs. 67,354 a month.

Ask or read owner questions on BMW R 1300 GS Q&A

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