Ducati Monster EMI Calculator


Updated on October 2026
The Ducati Monster EMI is Rs. 38,593 per month for 36 months at 9% on a loan of Rs. 12,13,611, with a down payment of Rs. 3,35,734. This is based on the Red variant's on-road price of Rs. 15,49,345 in Delhi (ex-showroom Rs. 13,99,000). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: Monster On-road price

Ducati Monster EMI and Down Payment

Ex-showroom
: Rs. 13,99,000
On-road price
: Rs. 15,49,345  (Delhi)
Loan amount
: Rs. 12,13,611  (On-road price - Down payment)
Down payment
: Rs. 3,35,734  (Amount paid upfront)
Monthly EMI
: Rs. 38,593  (For Tenure of 36 months @ 9%; banks start from 10.05%)
Insurance
: Rs. 38,225
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Ducati Monster Bike Loan EMI Calculator

Variant
Red
On-road price (Delhi)
Rs. 15,49,345
Down payment
Rs. 3,35,734
Loan amount
Rs. 12,13,611
Interest rate
9%
Tenure
36 months
Monthly EMI
Rs. 38,593
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

Ducati Monster Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 38,593
36 months @ 9%
  • Down paymentRs. 3,35,734
  • Loan amountRs. 12,13,611
  • Total interestRs. 1,75,737
  • Total loan repayment (EMIs)Rs. 13,89,348
  • Total purchase outlayRs. 17,25,082

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the Red 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. 3,68,860Rs. 94,256Rs. 8,44,751
Year 2 Months 13-24Rs. 4,03,462Rs. 59,654Rs. 4,41,289
Year 3 Months 25-36Rs. 4,41,289Rs. 21,827Rs. 0
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Ducati Monster Loan Interest Rates by Bank

Ducati Monster loan rates, 36 months, loan Rs. 12,13,611
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 41,774 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 39,188 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 39,732 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 41,272 (36 months)
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Ducati Monster EMI by Tenure

For a Rs. 12,13,611 loan on the Red at 9%.

Tenure EMI Total Interest Total Payable
12 months Rs. 1,06,132 Rs. 59,973 Rs. 12,73,584
24 months Rs. 55,444 Rs. 1,17,045 Rs. 13,30,656
36 months Rs. 38,593 Rs. 1,75,737 Rs. 13,89,348
48 months Rs. 30,201 Rs. 2,36,037 Rs. 14,49,648
60 months Rs. 25,193 Rs. 2,97,969 Rs. 15,11,580
Ducati Monster
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Ducati Monster
Starts at ₹ 13,99,000
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Ducati Monster 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.

Monster Variants Fuel/Transmission Ex-showroom On-road Price Loan @9% Down Payment EMI (36 months)
Red Petrol Rs. 13,99,000 Rs. 15,49,345 Rs. 12,13,611 Rs. 3,35,734 Rs. 38,593
Sport Livery Petrol Rs. 14,23,000 Rs. 15,91,440 Rs. 12,34,524 Rs. 3,56,916 Rs. 39,258
Iceberg White Petrol Rs. 14,23,000 Rs. 15,77,210 Rs. 12,34,524 Rs. 3,42,686 Rs. 39,258
Plus Red Petrol Rs. 14,34,000 Rs. 15,89,263 Rs. 12,44,109 Rs. 3,45,154 Rs. 39,562
Plus Sport Livery Petrol Rs. 14,45,000 Rs. 16,15,765 Rs. 12,53,694 Rs. 3,62,071 Rs. 39,867
Plus Iceberg White Petrol Rs. 14,45,000 Rs. 16,64,521 Rs. 12,53,694 Rs. 4,10,827 Rs. 39,867

How Is the Ducati Monster 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 Red variant: P = Rs. 12,13,611, r = (9 ÷ 12) ÷ 100 = 0.0075 and n = 36 months, which gives an EMI of Rs. 38,593.

The calculation starts from the Delhi on-road price of Rs. 15,49,345 (ex-showroom Rs. 13,99,000 plus insurance, RTO and other charges).

Factors That Affect Your Ducati Monster 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. 567 to the EMI on a Rs. 12,13,611 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. 1,06,132; over 60 months it drops to Rs. 25,193 but you pay Rs. 2,37,996 more in interest.
  • Variant and city: In Delhi the EMI ranges from Rs. 38,593 (Red) to Rs. 39,867 (Plus Sport Livery). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

Ducati Monster EMI vs Ninja ZX-6R, Bonneville T120, C 400 GT

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

ModelOn-road PriceEMITenureInterest RateCompare
Kawasaki Ninja ZX-6R STD Rs. 13,86,559 Rs. 34,436 36 months 9% Compare with Monster
Triumph Bonneville T120 STD Rs. 13,50,133 Rs. 33,549 36 months 9% Compare with Monster
BMW C 400 GT STD Rs. 12,70,227 Rs. 31,693 36 months 9% Compare with Monster
Triumph Bonneville Bobber STD Rs. 14,27,300 Rs. 35,503 36 months 9% Compare with Monster

Frequently Asked Questions About Ducati Monster EMI

What is the monthly EMI for the Ducati Monster?

Rs. 38,593 a month for the Red, on a Rs. 12,13,611 loan at 9% for 3 years. The top Plus Sport Livery works out to Rs. 39,867.

How much down payment is required for the Ducati Monster?

About Rs. 3,35,734 for the Red in Delhi. That's the on-road price of Rs. 15,49,345 minus the Rs. 12,13,611 loan.

How does the loan tenure affect the Ducati Monster EMI?

Over 1 year the EMI is Rs. 1,06,132 and you pay Rs. 59,973 in interest. Stretch it to 5 years and the EMI drops to Rs. 25,193, but interest rises to Rs. 2,97,969.

Is the Ducati Monster EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the Red costs Rs. 15,49,345 on-road, which includes Rs. 38,225 insurance and Rs. 1,12,120 RTO and other charges.

Does the Ducati Monster 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 Ducati Monster loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 12,13,611 loan comes to Rs. 39,188 a month.

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