Fujiyama Spectra EMI Calculator

Updated on October 2026

The Fujiyama Spectra EMI is Rs. 1,343 per month for 36 months at 9.45% on a loan of Rs. 41,941, with a down payment of Rs. 13,073. This is based on the 48 V, 28 Ah variant's on-road price of Rs. 55,014 in Moradabad (ex-showroom Rs. 51,528). Use the bike loan calculator below to change the down payment, interest rate and tenure.

Also see: Spectra On-road price

Fujiyama Spectra EMI and Down Payment (Moradabad)

Fujiyama Spectra 48 V, 28 Ah – EMI calculator

Ex-showroom

: Rs. 51,528

On-road price

: Rs. 55,014 (Moradabad)

Loan amount

: Rs. 41,941 (On-road - Down payment)

Down payment

: Rs. 13,073 (On-road - Loan amount)

Monthly EMI

: Rs. 1,343 (For Tenure of 36 months @ 9.45%; banks start from 10.05%)

Insurance

: Rs. 3,286

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Fujiyama Spectra Bike Loan EMI Calculator

On-road price (Moradabad): Rs. 55,014
Down payment: Rs. 13,073
Loan amount: Rs. 41,941
Interest rate: 9.45%
Tenure: 36 months
Monthly EMI: Rs. 1,343
Total interest: Rs. 6,407
Total payable: Rs. 48,348

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

Fujiyama Spectra Loan Interest Rates by Bank

Fujiyama Spectra loan rates, 36 months, loan Rs. 41,941
Lending Partners	Interest Rate	EMI Starting From (36 Months)
HDFC Bank	14.5% onwards	Rs. 1,444 (36 months)
ICICI Bank	10.05% onwards	Rs. 1,354 (36 months)
Axis Bank	11% onwards	Rs. 1,373 (36 months)
Bank of Baroda	13.65% onwards	Rs. 1,426 (36 months)

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Fujiyama Spectra EMI by Tenure

For a Rs. 41,941 loan on the 48 V, 28 Ah electric at 9.45%.

Tenure	EMI	Total Interest	Total Payable
12 months	Rs. 3,677	Rs. 2,183	Rs. 44,124
24 months	Rs. 1,925	Rs. 4,259	Rs. 46,200
36 months	Rs. 1,343	Rs. 6,407	Rs. 48,348
48 months	Rs. 1,053	Rs. 8,603	Rs. 50,544
60 months	Rs. 880	Rs. 10,859	Rs. 52,800

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Fujiyama Spectra

Starts at ₹ 51,528

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Fujiyama Spectra Variant-wise EMI & Down Payment

Spectra Variants	Fuel/Transmission	Ex-showroom	Loan @9.45%	Down Payment	EMI (36 months)
48 V, 28 Ah	Electric	Rs. 51,528	Rs. 41,941	Rs. 13,073	Rs. 1,343
60 V, 28 Ah	Electric	Rs. 54,146	Rs. 44,221	Rs. 13,453	Rs. 1,415
60 V, 30 Ah	Electric	Rs. 77,119	Rs. 64,235	Rs. 16,777	Rs. 2,056

Fujiyama Spectra EMI vs HF Deluxe, Radeon, HF 100

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Fujiyama Spectra EMI FAQs

What is the EMI for the Fujiyama Spectra?

Rs. 1,343 per month for the 48 V, 28 Ah variant (loan Rs. 41,941, 9.45%, 36 months). Over 60 months it is Rs. 880.

What is the down payment for the Fujiyama Spectra?

Rs. 13,073 for 48 V, 28 Ah, Rs. 13,453 for 60 V, 28 Ah and Rs. 16,777 for 60 V, 30 Ah in ZigWheels' default calculation.

What is the EMI for the Fujiyama Spectra 60 V, 30 Ah variant?

Rs. 2,056 per month on a loan of Rs. 64,235 at 9.45% for 36 months.

Which bank has the lowest rate for a Fujiyama Spectra loan?

Of the listed partners, ICICI Bank starts at 10.05% (EMI Rs. 1,354 for 36 months). Axis Bank 11%, Bank of Baroda 13.65%, HDFC Bank 14.5%.

How much total interest will I pay on a Fujiyama Spectra loan?

Rs. 6,407 over 36 months on the 48 V, 28 Ah loan at 9.45%.

What on-road price is the Fujiyama Spectra EMI based on?

Rs. 55,014 in Moradabad: ex-showroom Rs. 51,528, insurance Rs. 3,286, RTO and other charges Rs. 200.

What is the difference between EMI in advance and EMI in arrears?

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. EMI in arrears: You don't make any advance EMI payments. The bank disburses the loan amount minus any other one time fees.

Ask or read owner questions on Fujiyama Spectra Q&A

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