Hero Xoom 110 EMI Calculator


Updated on November 2026
The Hero Xoom 110 EMI is Rs. 1,978 per month for 36 months at 9.45% on a loan of Rs. 61,798, with a down payment of Rs. 24,795. This is based on the VX variant's on-road price of Rs. 86,593 in Delhi (ex-showroom Rs. 74,321). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: Xoom 110 On-road price | Xoom 110 Mileage

Hero Xoom 110 EMI and Down Payment

Ex-showroom
: Rs. 74,321
On-road price
: Rs. 86,593  (Delhi)
Loan amount
: Rs. 61,798  (On-road price - Down payment)
Down payment
: Rs. 24,795  (Amount paid upfront)
Monthly EMI
: Rs. 1,978  (For Tenure of 36 months @ 9.45%; banks start from 10.05%)
Insurance
: Rs. 6,127
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Hero Xoom 110 Bike Loan EMI Calculator

Variant
VX
On-road price (Delhi)
Rs. 86,593
Down payment
Rs. 24,795
Loan amount
Rs. 61,798
Interest rate
9.45%
Tenure
36 months
Monthly EMI
Rs. 1,978
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 Xoom 110 Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 1,978
36 months @ 9.45%
  • Down paymentRs. 24,795
  • Loan amountRs. 61,798
  • Total interestRs. 9,410
  • Total loan repayment (EMIs)Rs. 71,208
  • Total purchase outlayRs. 96,003

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the VX 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. 18,692Rs. 5,044Rs. 43,106
Year 2 Months 13-24Rs. 20,537Rs. 3,199Rs. 22,569
Year 3 Months 25-36Rs. 22,569Rs. 1,167Rs. 0
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Hero Xoom 110 Loan Interest Rates by Bank

Hero Xoom 110 loan rates, 36 months, loan Rs. 61,798
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 2,127 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 1,995 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 2,023 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 2,102 (36 months)
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Hero Xoom 110 EMI by Tenure

For a Rs. 61,798 loan on the VX at 9.45%.

Tenure EMI Total Interest Total Payable
12 months Rs. 5,417 Rs. 3,206 Rs. 65,004
24 months Rs. 2,836 Rs. 6,266 Rs. 68,064
36 months Rs. 1,978 Rs. 9,410 Rs. 71,208
48 months Rs. 1,551 Rs. 12,650 Rs. 74,448
60 months Rs. 1,296 Rs. 15,962 Rs. 77,760
Hero Xoom 110
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Hero Xoom 110
4.7 183 user reviews
Starts at ₹ 74,321
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Hero Xoom 110 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.

Xoom 110 Variants Fuel/Transmission Ex-showroom On-road Price Loan @9.45% Down Payment EMI (36 months)
VX Petrol Rs. 74,321 Rs. 86,593 Rs. 61,798 Rs. 24,795 Rs. 1,978
ZX Petrol Rs. 80,003 Rs. 92,851 Rs. 66,748 Rs. 26,103 Rs. 2,137
Combat Edition Petrol Rs. 80,556 Rs. 93,459 Rs. 67,229 Rs. 26,230 Rs. 2,152

How Is the Hero Xoom 110 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 VX variant: P = Rs. 61,798, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 1,978.

The calculation starts from the Delhi on-road price of Rs. 86,593 (ex-showroom Rs. 74,321 plus insurance, RTO and other charges).

Factors That Affect Your Hero Xoom 110 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. 29 to the EMI on a Rs. 61,798 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. 5,417; over 60 months it drops to Rs. 1,296 but you pay Rs. 12,756 more in interest.
  • Variant and city: In Delhi the EMI ranges from Rs. 1,978 (VX) to Rs. 2,152 (Combat Edition). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

Hero Xoom 110 EMI vs Splendor Plus, Activa, Splendor Plus XTEC

Starting EMI of each model's base variant, worked out the same way as the Hero Xoom 110: the down payment is the on-road price minus the loan.

ModelOn-road PriceEMITenureInterest RateCompare
Hero Splendor Plus Standard Rs. 93,372 Rs. 2,106 36 months 9.45% Compare with Xoom 110
Honda Activa STD Rs. 92,175 Rs. 2,035 36 months 9.45% Compare with Xoom 110
Hero Splendor Plus XTEC Drum Rs. 95,510 Rs. 2,204 36 months 9.45% Compare with Xoom 110
TVS Raider Drum Rs. 97,759 Rs. 2,261 36 months 9.45% Compare with Xoom 110

Frequently Asked Questions About Hero Xoom 110 EMI

What is the monthly EMI for the Hero Xoom 110?

Rs. 1,978 a month for the VX, on a Rs. 61,798 loan at 9.45% for 3 years. The top Combat Edition works out to Rs. 2,152.

How much down payment is required for the Hero Xoom 110?

About Rs. 24,795 for the VX in Delhi. That's the on-road price of Rs. 86,593 minus the Rs. 61,798 loan.

How does the loan tenure affect the Hero Xoom 110 EMI?

Over 1 year the EMI is Rs. 5,417 and you pay Rs. 3,206 in interest. Stretch it to 5 years and the EMI drops to Rs. 1,296, but interest rises to Rs. 15,962.

Is the Hero Xoom 110 EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the VX costs Rs. 86,593 on-road, which includes Rs. 6,127 insurance and Rs. 6,145 RTO and other charges.

Does the Hero Xoom 110 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 Xoom 110 loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 61,798 loan comes to Rs. 1,995 a month.

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