Hero Karizma XMR EMI Calculator


Updated on September 2026
The Hero Karizma XMR EMI is Rs. 5,114 per month for 36 months at 9.45% on a loan of Rs. 1,59,762, with a down payment of Rs. 67,104. This is based on the Top variant's on-road price of Rs. 2,26,866 in Jaipur (ex-showroom Rs. 1,86,770). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: Karizma XMR On-road price | Karizma XMR Offers | Karizma XMR Mileage

Hero Karizma XMR EMI and Down Payment (Jaipur)

Ex-showroom
: Rs. 1,86,770
On-road price
: Rs. 2,26,866  (Jaipur)
Loan amount
: Rs. 1,59,762  (On-road - Down payment)
Down payment
: Rs. 67,104  (On-road - Loan amount)
Monthly EMI
: Rs. 5,114  (For Tenure of 36 months @ 9.45%; banks start from 10.05%)
Insurance
: Rs. 11,831  (Check Karizma XMR Insurance)
View September Offers View EMI Offers

Hero Karizma XMR Bike Loan EMI Calculator

On-road price (Jaipur)
Rs. 2,26,866
Down payment
Rs. 67,104
Loan amount
Rs. 1,59,762
Interest rate
9.45%
Tenure
36 months
Monthly EMI
Rs. 5,114
Total interest
Rs. 24,342
Total payable
Rs. 1,84,104
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
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Hero Karizma XMR Loan Interest Rates by Bank

Hero Karizma XMR loan rates, 36 months, loan Rs. 1,59,762
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 5,499 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 5,159 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 5,230 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 5,433 (36 months)
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Hero Karizma XMR EMI by Tenure

For a Rs. 1,59,762 loan on the Top petrol at 9.45%.

Tenure EMI Total Interest Total Payable
12 months Rs. 14,005 Rs. 8,298 Rs. 1,68,060
24 months Rs. 7,332 Rs. 16,206 Rs. 1,75,968
36 months Rs. 5,114 Rs. 24,342 Rs. 1,84,104
48 months Rs. 4,010 Rs. 32,718 Rs. 1,92,480
60 months Rs. 3,351 Rs. 41,298 Rs. 2,01,060
Hero Karizma XMR
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Hero Karizma XMR
4.6 81 user reviews
Starts at ₹ 1,86,770
View September Offers
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Hero Karizma XMR Variant-wise EMI & Down Payment

Karizma XMR Variants Fuel/Transmission Ex-showroom Loan @9.45% Down Payment EMI (36 months)
Top Petrol Rs. 1,86,770 Rs. 1,59,762 Rs. 67,104 Rs. 5,114
Combat Edition Petrol Rs. 1,88,383 Rs. 1,61,168 Rs. 67,573 Rs. 5,159

Hero Karizma XMR EMI vs Classic 350, R15 V4, 42 Bobber

Hero Karizma XMR EMI FAQs

What is the EMI for the Hero Karizma XMR?

Rs. 5,114 per month for the Top variant (loan Rs. 1,59,762, 9.45%, 36 months). Over 60 months it is Rs. 3,351.

What is the down payment for the Hero Karizma XMR?

Rs. 67,104 for Top and Rs. 67,573 for Combat Edition in ZigWheels' default calculation.

What is the EMI for the Hero Karizma XMR Combat Edition variant?

Rs. 5,159 per month on a loan of Rs. 1,61,168 at 9.45% for 36 months.

Which bank has the lowest rate for a Hero Karizma XMR loan?

Of the listed partners, ICICI Bank starts at 10.05% (EMI Rs. 5,159 for 36 months). Axis Bank 11%, Bank of Baroda 13.65%, HDFC Bank 14.5%.

How much total interest will I pay on a Hero Karizma XMR loan?

Rs. 24,342 over 36 months on the Top loan at 9.45%.

What on-road price is the Hero Karizma XMR EMI based on?

Rs. 2,26,866 in Jaipur: ex-showroom Rs. 1,86,770, insurance Rs. 11,831, RTO and other charges Rs. 28,265.

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.

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