CFMoto 650GT EMI Calculator

Updated on October 2026

The CFMoto 650GT EMI is Rs. 15,342 per month for 36 months at 9% on a loan of Rs. 4,82,452, with a down payment of Rs. 1,47,452. This is based on the STD variant's on-road price of Rs. 6,29,904 in Delhi (ex-showroom Rs. 5,59,000). Use the bike loan calculator below to change the down payment, interest rate and tenure.

Also see: 650GT On-road price | 650GT Mileage

CFMoto 650GT EMI and Down Payment

Ex-showroom

: Rs. 5,59,000

On-road price

: Rs. 6,29,904 (Delhi)

Loan amount

: Rs. 4,82,452 (On-road price - Down payment)

Down payment

: Rs. 1,47,452 (Amount paid upfront)

Monthly EMI

: Rs. 15,342 (For Tenure of 36 months @ 9%; banks start from 10.05%)

Insurance

: Rs. 25,984

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CFMoto 650GT Bike Loan EMI Calculator

Variant: STD
On-road price (Delhi): Rs. 6,29,904
Down payment: Rs. 1,47,452
Loan amount: Rs. 4,82,452
Interest rate: 9%
Tenure: 36 months
Monthly EMI: Rs. 15,342

EMI in advance: You pay one EMI instalment in advance to the bank. This amount is deducted from the loan amount disbursed to the dealer. Thus it gets added to the down payment that you are to make.
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EMI in arrears: You don't make any advance EMI payments. The bank disburses the loan amount minus any other one time fees. ..Read More ..Read Less

CFMoto 650GT Bike Loan EMI & Loan Breakdown

Monthly EMI

Rs. 15,342

36 months @ 9%

Down paymentRs. 1,47,452
Loan amountRs. 4,82,452
Total interestRs. 69,860
Total loan repayment (EMIs)Rs. 5,52,312
Total purchase outlayRs. 6,99,764

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the STD 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. 1,46,634	Rs. 37,470	Rs. 3,35,818
Year 2 Months 13-24	Rs. 1,60,389	Rs. 23,715	Rs. 1,75,429
Year 3 Months 25-36	Rs. 1,75,429	Rs. 8,675	Rs. 0

CFMoto 650GT Loan Interest Rates by Bank

CFMoto 650GT loan rates, 36 months, loan Rs. 4,82,452
Lending Partners	Interest Rate	EMI Starting From (36 Months)
HDFC Bank	14.5% onwards	Rs. 16,606 (36 months)
ICICI Bank	10.05% onwards	Rs. 15,579 (36 months)
Axis Bank	11% onwards	Rs. 15,795 (36 months)
Bank of Baroda	13.65% onwards	Rs. 16,407 (36 months)

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CFMoto 650GT EMI by Tenure

For a Rs. 4,82,452 loan on the STD at 9%.

Tenure	EMI	Total Interest	Total Payable
12 months	Rs. 42,191	Rs. 23,840	Rs. 5,06,292
24 months	Rs. 22,041	Rs. 46,532	Rs. 5,28,984
36 months	Rs. 15,342	Rs. 69,860	Rs. 5,52,312
48 months	Rs. 12,006	Rs. 93,836	Rs. 5,76,288
60 months	Rs. 10,015	Rs. 1,18,448	Rs. 6,00,900

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CFMoto 650GT

4.8 2 user reviews

Starts at ₹ 5,59,000

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How Is the CFMoto 650GT 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 STD variant: P = Rs. 4,82,452, r = (9 ÷ 12) ÷ 100 = 0.0075 and n = 36 months, which gives an EMI of Rs. 15,342.

The calculation starts from the Delhi on-road price of Rs. 6,29,904 (ex-showroom Rs. 5,59,000 plus insurance, RTO and other charges).

Factors That Affect Your CFMoto 650GT 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. 225 to the EMI on a Rs. 4,82,452 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. 42,191; over 60 months it drops to Rs. 10,015 but you pay Rs. 94,608 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.

CFMoto 650GT EMI vs F 450 GS, V302C, Ninja 500

Starting EMI of each model's base variant, worked out the same way as the CFMoto 650GT: the down payment is the on-road price minus the loan.

Model	On-road Price	EMI	Tenure	Interest Rate	Compare
BMW F 450 GS STD	Rs. 5,59,851	Rs. 13,575	36 months	9%	Compare with 650GT
Keeway V302C STD	Rs. 5,01,360	Rs. 12,300	36 months	9%	Compare with 650GT
Kawasaki Ninja 500 (2025)	Rs. 6,38,200	Rs. 15,536	36 months	9%	Compare with 650GT
Benelli TRK 502 Standard	Rs. 7,42,645	Rs. 18,196	36 months	9%	Compare with 650GT

Frequently Asked Questions About CFMoto 650GT EMI

What is the monthly EMI for the CFMoto 650GT?

Rs. 15,342 a month for the STD, on a Rs. 4,82,452 loan at 9% for 3 years.

How much down payment is required for the CFMoto 650GT?

About Rs. 1,47,452 for the STD in Delhi. That's the on-road price of Rs. 6,29,904 minus the Rs. 4,82,452 loan.

How does the loan tenure affect the CFMoto 650GT EMI?

Over 1 year the EMI is Rs. 42,191 and you pay Rs. 23,840 in interest. Stretch it to 5 years and the EMI drops to Rs. 10,015, but interest rises to Rs. 1,18,448.

Is the CFMoto 650GT EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the STD costs Rs. 6,29,904 on-road, which includes Rs. 25,984 insurance and Rs. 44,920 RTO and other charges.

Does the CFMoto 650GT EMI calculator include the processing fee?

Yes. The Rs. 4,650 processing fee is paid with the down payment and is not added to the loan.

Which bank has the lowest interest rate for a CFMoto 650GT loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 4,82,452 loan comes to Rs. 15,579 a month.

Ask or read owner questions on CFMoto 650GT Q&A

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