DAO Zor 405 EMI Calculator

Updated on November 2026

The DAO Zor 405 EMI is Rs. 2,136 per month for 36 months at 9.45% on a loan of Rs. 66,744, with a down payment of Rs. 21,193. This is based on the STD variant's on-road price of Rs. 87,937 in Alamcode (ex-showroom Rs. 79,999). Use the bike loan calculator below to change the down payment, interest rate and tenure.

Also see: Zor 405 On-road price | Zor 405 Mileage

DAO Zor 405 EMI and Down Payment

Ex-showroom

: Rs. 79,999

On-road price

: Rs. 87,937 (Alamcode)

Loan amount

: Rs. 66,744 (On-road price - Down payment)

Down payment

: Rs. 21,193 (Amount paid upfront)

Monthly EMI

: Rs. 2,136 (For Tenure of 36 months @ 9.45%; banks start from 10.05%)

Insurance

: Rs. 3,739

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DAO Zor 405 Bike Loan EMI Calculator

Variant: STD
On-road price (Alamcode): Rs. 87,937
Down payment: Rs. 21,193
Loan amount: Rs. 66,744
Interest rate: 9.45%
Tenure: 36 months
Monthly EMI: Rs. 2,136

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

DAO Zor 405 Bike Loan EMI & Loan Breakdown

Monthly EMI

Rs. 2,136

36 months @ 9.45%

Down paymentRs. 21,193
Loan amountRs. 66,744
Total interestRs. 10,152
Total loan repayment (EMIs)Rs. 76,896
Total purchase outlayRs. 98,089

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. 20,184	Rs. 5,448	Rs. 46,560
Year 2 Months 13-24	Rs. 22,176	Rs. 3,456	Rs. 24,384
Year 3 Months 25-36	Rs. 24,384	Rs. 1,248	Rs. 0

DAO Zor 405 Loan Interest Rates by Bank

DAO Zor 405 loan rates, 36 months, loan Rs. 66,744
Lending Partners	Interest Rate	EMI Starting From (36 Months)
HDFC Bank	14.5% onwards	Rs. 2,297 (36 months)
ICICI Bank	10.05% onwards	Rs. 2,155 (36 months)
Axis Bank	11% onwards	Rs. 2,185 (36 months)
Bank of Baroda	13.65% onwards	Rs. 2,270 (36 months)

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DAO Zor 405 EMI by Tenure

For a Rs. 66,744 loan on the STD at 9.45%.

Tenure	EMI	Total Interest	Total Payable
12 months	Rs. 5,851	Rs. 3,468	Rs. 70,212
24 months	Rs. 3,063	Rs. 6,768	Rs. 73,512
36 months	Rs. 2,136	Rs. 10,152	Rs. 76,896
48 months	Rs. 1,675	Rs. 13,656	Rs. 80,400
60 months	Rs. 1,400	Rs. 17,256	Rs. 84,000

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DAO Zor 405

4.2 1 user reviews

Starts at ₹ 79,999

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DAO Zor 405 Variant-Wise EMI

On-road prices in Alamcode. 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.

Zor 405 Variants	Fuel/Transmission	Ex-showroom	On-road Price	Loan @9.45%	Down Payment	EMI (36 months)
STD	Electric / Automatic	Rs. 79,999	Rs. 87,937	Rs. 66,744	Rs. 21,193	Rs. 2,136
Z	Electric	Rs. 1,18,697	Rs. 1,29,186	Rs. 1,00,458	Rs. 28,728	Rs. 3,216

How Is the DAO Zor 405 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. 66,744, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 2,136.

The calculation starts from the Alamcode on-road price of Rs. 87,937 (ex-showroom Rs. 79,999 plus insurance, RTO and other charges).

Factors That Affect Your DAO Zor 405 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. 32 to the EMI on a Rs. 66,744 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. 5,851; over 60 months it drops to Rs. 1,400 but you pay Rs. 13,788 more in interest.
Variant and city: In Alamcode the EMI ranges from Rs. 2,136 (STD) to Rs. 3,216 (Z). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

DAO Zor 405 EMI vs Splendor Plus, SP125, Activa

Starting EMI of each model's base variant, worked out the same way as the DAO Zor 405: the down payment is the on-road price minus the loan.

Model	On-road Price	EMI	Tenure	Interest Rate	Compare
Hero Splendor Plus Standard	Rs. 98,582	Rs. 2,137	36 months	9.45%	Compare with Zor 405
Honda SP125 STD	Rs. 1,13,111	Rs. 2,514	36 months	9.45%	Compare with Zor 405
Honda Activa STD	Rs. 99,180	Rs. 2,169	36 months	9.45%	Compare with Zor 405
Hero Splendor Plus XTEC Drum	Rs. 94,550	Rs. 2,085	36 months	9.45%	Compare with Zor 405

Frequently Asked Questions About DAO Zor 405 EMI

What is the monthly EMI for the DAO Zor 405?

Rs. 2,136 a month for the STD, on a Rs. 66,744 loan at 9.45% for 3 years. The top Z works out to Rs. 3,216.

How much down payment is required for the DAO Zor 405?

About Rs. 21,193 for the STD in Alamcode. That's the on-road price of Rs. 87,937 minus the Rs. 66,744 loan.

How does the loan tenure affect the DAO Zor 405 EMI?

Over 1 year the EMI is Rs. 5,851 and you pay Rs. 3,468 in interest. Stretch it to 5 years and the EMI drops to Rs. 1,400, but interest rises to Rs. 17,256.

Is the DAO Zor 405 EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Alamcode the STD costs Rs. 87,937 on-road, which includes Rs. 3,739 insurance and Rs. 4,199 RTO and other charges.

Does the DAO Zor 405 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 DAO Zor 405 loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 66,744 loan comes to Rs. 2,155 a month.

Ask or read owner questions on DAO Zor 405 Q&A

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