BSA Gold Star EMI Calculator
Updated on October 2026
BSA Gold Star EMI and Down Payment
BSA Gold Star Bike Loan EMI Calculator
- Variant
- Insignia Red
- On-road price (Delhi)
- Rs. 3,92,327
- Down payment
- Rs. 98,309
- Loan amount
- Rs. 2,94,018
- Interest rate
- 9%
- Tenure
- 36 months
- Monthly EMI
- Rs. 9,350
BSA Gold Star Bike Loan EMI & Loan Breakdown
- Down paymentRs. 98,309
- Loan amountRs. 2,94,018
- Total interestRs. 42,582
- Total loan repayment (EMIs)Rs. 3,36,600
- Total purchase outlayRs. 4,34,909
Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the Insignia Red 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. 89,365 | Rs. 22,835 | Rs. 2,04,653 |
| Year 2 Months 13-24 | Rs. 97,748 | Rs. 14,452 | Rs. 1,06,905 |
| Year 3 Months 25-36 | Rs. 1,06,905 | Rs. 5,295 | Rs. 0 |
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BSA Gold Star Loan Interest Rates by Bank
| Lending Partners | Interest Rate | EMI Starting From (36 Months) |
|---|---|---|
 HDFC Bank |
14.5% onwards | Rs. 10,120 (36 months) |
| ICICI Bank |
10.05% onwards | Rs. 9,494 (36 months) |
| Axis Bank |
11% onwards | Rs. 9,626 (36 months) |
| Bank of Baroda |
13.65% onwards | Rs. 9,999 (36 months) |
BSA Gold Star EMI by Tenure
For a Rs. 2,94,018 loan on the Insignia Red at 9%.
| Tenure | EMI | Total Interest | Total Payable |
|---|---|---|---|
| 12 months | Rs. 25,712 | Rs. 14,526 | Rs. 3,08,544 |
| 24 months | Rs. 13,432 | Rs. 28,350 | Rs. 3,22,368 |
| 36 months | Rs. 9,350 | Rs. 42,582 | Rs. 3,36,600 |
| 48 months | Rs. 7,317 | Rs. 57,198 | Rs. 3,51,216 |
| 60 months | Rs. 6,103 | Rs. 72,162 | Rs. 3,66,180 |
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BSA Gold Star Variant-Wise EMI
On-road prices in Delhi. Every variant uses the same rule: the loan runs 36 months at 9%, and the down payment is the on-road price minus the loan.
| Gold Star Variants | Fuel/Transmission | Ex-showroom | On-road Price | Loan @9% | Down Payment | EMI (36 months) |
|---|---|---|---|---|---|---|
| Insignia Red | Petrol | Rs. 3,41,950 | Rs. 3,92,327 | Rs. 2,94,018 | Rs. 98,309 | Rs. 9,350 |
| Shadow Black | Petrol | Rs. 3,45,950 | Rs. 3,96,705 | Rs. 2,97,504 | Rs. 99,201 | Rs. 9,461 |
| Birmingham Blue | Petrol | Rs. 3,55,950 | Rs. 4,07,651 | Rs. 3,06,218 | Rs. 1,01,433 | Rs. 9,738 |
| Sheen Silver Legacy Edition | Petrol | Rs. 3,59,950 | Rs. 4,12,029 | Rs. 3,09,703 | Rs. 1,02,326 | Rs. 9,848 |
| Brooklands Black Legacy Edition | Petrol | Rs. 3,64,950 | Rs. 4,17,502 | Rs. 3,14,060 | Rs. 1,03,442 | Rs. 9,987 |
How Is the BSA Gold Star 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 Insignia Red variant: P = Rs. 2,94,018, r = (9 ÷ 12) ÷ 100 = 0.0075 and n = 36 months, which gives an EMI of Rs. 9,350.
The calculation starts from the Delhi on-road price of Rs. 3,92,327 (ex-showroom Rs. 3,41,950 plus insurance, RTO and other charges).
Factors That Affect Your BSA Gold Star 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. 137 to the EMI on a Rs. 2,94,018 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. 25,712; over 60 months it drops to Rs. 6,103 but you pay Rs. 57,636 more in interest.
- Variant and city: In Delhi the EMI ranges from Rs. 9,350 (Insignia Red) to Rs. 9,987 (Brooklands Black Legacy Edition). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.
BSA Gold Star EMI vs Continental GT 650, 390 Duke, Himalayan 450
Starting EMI of each model's base variant, worked out the same way as the BSA Gold Star: the down payment is the on-road price minus the loan.
| Model | On-road Price | EMI | Tenure | Interest Rate | Compare |
|---|---|---|---|---|---|
| Royal Enfield Continental GT 650 Base | Rs. 4,24,254 | Rs. 9,806 | 36 months | 9% | Compare with Gold Star |
| KTM 390 Duke STD | Rs. 3,21,885 | Rs. 7,782 | 36 months | 9% | Compare with Gold Star |
| Royal Enfield Himalayan 450 Base | Rs. 3,69,573 | Rs. 8,410 | 36 months | 9% | Compare with Gold Star |
| Royal Enfield Super Meteor 650 Astral | Rs. 4,76,056 | Rs. 11,108 | 36 months | 9% | Compare with Gold Star |
Frequently Asked Questions About BSA Gold Star EMI
What is the monthly EMI for the BSA Gold Star?
Rs. 9,350 a month for the Insignia Red, on a Rs. 2,94,018 loan at 9% for 3 years. The top Brooklands Black Legacy Edition works out to Rs. 9,987.
How much down payment is required for the BSA Gold Star?
About Rs. 98,309 for the Insignia Red in Delhi. That's the on-road price of Rs. 3,92,327 minus the Rs. 2,94,018 loan.
How does the loan tenure affect the BSA Gold Star EMI?
Over 1 year the EMI is Rs. 25,712 and you pay Rs. 14,526 in interest. Stretch it to 5 years and the EMI drops to Rs. 6,103, but interest rises to Rs. 72,162.
Is the BSA Gold Star EMI calculated on the ex-showroom price or the on-road price?
On the on-road price. In Delhi the Insignia Red costs Rs. 3,92,327 on-road, which includes Rs. 22,821 insurance and Rs. 27,556 RTO and other charges.
Does the BSA Gold Star EMI calculator include the processing fee?
Yes. The Rs. 3,950 processing fee is paid with the down payment and is not added to the loan.
Which bank has the lowest interest rate for a BSA Gold Star loan?
ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 2,94,018 loan comes to Rs. 9,494 a month.
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