Hero Splendor Plus XTEC EMI Calculator


Updated on November 2026
The Hero Splendor Plus XTEC EMI is Rs. 2,204 per month for 36 months at 9.45% on a loan of Rs. 68,852, with a down payment of Rs. 26,658. This is based on the Drum variant's on-road price of Rs. 95,510 in Delhi (ex-showroom Rs. 82,418). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: Splendor Plus XTEC On-road price | Splendor Plus XTEC Mileage

Hero Splendor Plus XTEC EMI and Down Payment

Ex-showroom
: Rs. 82,418
On-road price
: Rs. 95,510  (Delhi)
Loan amount
: Rs. 68,852  (On-road price - Down payment)
Down payment
: Rs. 26,658  (Amount paid upfront)
Monthly EMI
: Rs. 2,204  (For Tenure of 36 months @ 9.45%; banks start from 10.05%)
Insurance
: Rs. 6,299
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Hero Splendor Plus XTEC Bike Loan EMI Calculator

Variant
Drum
On-road price (Delhi)
Rs. 95,510
Down payment
Rs. 26,658
Loan amount
Rs. 68,852
Interest rate
9.45%
Tenure
36 months
Monthly EMI
Rs. 2,204
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

Hero Splendor Plus XTEC Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 2,204
36 months @ 9.45%
  • Down paymentRs. 26,658
  • Loan amountRs. 68,852
  • Total interestRs. 10,492
  • Total loan repayment (EMIs)Rs. 79,344
  • Total purchase outlayRs. 1,06,002

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the Drum 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. 20,828Rs. 5,620Rs. 48,024
Year 2 Months 13-24Rs. 22,884Rs. 3,564Rs. 25,140
Year 3 Months 25-36Rs. 25,140Rs. 1,308Rs. 0
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Hero Splendor Plus XTEC Loan Interest Rates by Bank

Hero Splendor Plus XTEC loan rates, 36 months, loan Rs. 68,852
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 2,370 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 2,223 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 2,254 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 2,342 (36 months)
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Hero Splendor Plus XTEC EMI by Tenure

For a Rs. 68,852 loan on the Drum at 9.45%.

Tenure EMI Total Interest Total Payable
12 months Rs. 6,036 Rs. 3,580 Rs. 72,432
24 months Rs. 3,160 Rs. 6,988 Rs. 75,840
36 months Rs. 2,204 Rs. 10,492 Rs. 79,344
48 months Rs. 1,728 Rs. 14,092 Rs. 82,944
60 months Rs. 1,444 Rs. 17,788 Rs. 86,640
Hero Splendor Plus XTEC
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Hero Splendor Plus XTEC
4.4 271 user reviews
Starts at ₹ 82,418
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Hero Splendor Plus XTEC Variant-Wise EMI

On-road prices in Delhi. 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.

Splendor Plus XTEC Variants Fuel/Transmission Ex-showroom On-road Price Loan @9.45% Down Payment EMI (36 months)
Drum Petrol Rs. 82,418 Rs. 95,510 Rs. 68,852 Rs. 26,658 Rs. 2,204
2.0 Petrol Rs. 84,549 Rs. 97,856 Rs. 70,708 Rs. 27,148 Rs. 2,263
Disc Petrol Rs. 85,461 Rs. 98,861 Rs. 71,503 Rs. 27,358 Rs. 2,289

How Is the Hero Splendor Plus XTEC 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 Drum variant: P = Rs. 68,852, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 2,204.

The calculation starts from the Delhi on-road price of Rs. 95,510 (ex-showroom Rs. 82,418 plus insurance, RTO and other charges).

Factors That Affect Your Hero Splendor Plus XTEC 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. 68,852 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. 6,036; over 60 months it drops to Rs. 1,444 but you pay Rs. 14,208 more in interest.
  • Variant and city: In Delhi the EMI ranges from Rs. 2,204 (Drum) to Rs. 2,289 (Disc). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

Hero Splendor Plus XTEC EMI vs Splendor Plus, Sport, Platina 110

Starting EMI of each model's base variant, worked out the same way as the Hero Splendor Plus XTEC: the down payment is the on-road price minus the loan, and the rate depends on the price, so check it in each row.

ModelOn-road PriceEMITenureInterest RateCompare
Hero Splendor Plus Standard Rs. 93,372 Rs. 2,106 36 months 9.45% Compare with Splendor Plus XTEC
TVS Sport Self Start - ES Rs. 70,443 Rs. 1,554 36 months 9.45% Compare with Splendor Plus XTEC
Bajaj Platina 110 Drum Rs. 89,148 Rs. 1,971 36 months 11.99% Compare with Splendor Plus XTEC
Honda Shine 100 DX STD Rs. 87,309 Rs. 1,917 36 months 9.45% Compare with Splendor Plus XTEC

Frequently Asked Questions About Hero Splendor Plus XTEC EMI

What is the monthly EMI for the Hero Splendor Plus XTEC?

Rs. 2,204 a month for the Drum, on a Rs. 68,852 loan at 9.45% for 3 years. The top Disc works out to Rs. 2,289.

How much down payment is required for the Hero Splendor Plus XTEC?

About Rs. 26,658 for the Drum in Delhi. That's the on-road price of Rs. 95,510 minus the Rs. 68,852 loan.

How does the loan tenure affect the Hero Splendor Plus XTEC EMI?

Over 1 year the EMI is Rs. 6,036 and you pay Rs. 3,580 in interest. Stretch it to 5 years and the EMI drops to Rs. 1,444, but interest rises to Rs. 17,788.

Is the Hero Splendor Plus XTEC EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the Drum costs Rs. 95,510 on-road, which includes Rs. 6,299 insurance and Rs. 6,793 RTO and other charges.

Does the Hero Splendor Plus XTEC 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 Hero Splendor Plus XTEC loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 68,852 loan comes to Rs. 2,223 a month.

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