Hero Xoom 125 EMI Calculator


Updated on November 2026
The Hero Xoom 125 EMI is Rs. 2,408 per month for 36 months at 9.45% on a loan of Rs. 75,222, with a down payment of Rs. 30,843. This is based on the VX variant's on-road price of Rs. 1,06,065 in Koderma (ex-showroom Rs. 89,730). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: Xoom 125 On-road price | Xoom 125 Mileage

Hero Xoom 125 EMI and Down Payment

Ex-showroom
: Rs. 89,730
On-road price
: Rs. 1,06,065  (Koderma)
Loan amount
: Rs. 75,222  (On-road price - Down payment)
Down payment
: Rs. 30,843  (Amount paid upfront)
Monthly EMI
: Rs. 2,408  (For Tenure of 36 months @ 9.45%; banks start from 10.05%)
Insurance
: Rs. 6,254
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Hero Xoom 125 Bike Loan EMI Calculator

Variant
VX
On-road price (Koderma)
Rs. 1,06,065
Down payment
Rs. 30,843
Loan amount
Rs. 75,222
Interest rate
9.45%
Tenure
36 months
Monthly EMI
Rs. 2,408
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 125 Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 2,408
36 months @ 9.45%
  • Down paymentRs. 30,843
  • Loan amountRs. 75,222
  • Total interestRs. 11,466
  • Total loan repayment (EMIs)Rs. 86,688
  • Total purchase outlayRs. 1,17,531

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. 22,756Rs. 6,140Rs. 52,466
Year 2 Months 13-24Rs. 25,003Rs. 3,893Rs. 27,463
Year 3 Months 25-36Rs. 27,463Rs. 1,433Rs. 0
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Hero Xoom 125 Loan Interest Rates by Bank

Hero Xoom 125 loan rates, 36 months, loan Rs. 75,222
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 2,589 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 2,429 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 2,463 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 2,558 (36 months)
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Hero Xoom 125 EMI by Tenure

For a Rs. 75,222 loan on the VX at 9.45%.

Tenure EMI Total Interest Total Payable
12 months Rs. 6,594 Rs. 3,906 Rs. 79,128
24 months Rs. 3,452 Rs. 7,626 Rs. 82,848
36 months Rs. 2,408 Rs. 11,466 Rs. 86,688
48 months Rs. 1,888 Rs. 15,402 Rs. 90,624
60 months Rs. 1,578 Rs. 19,458 Rs. 94,680
Hero Xoom 125
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Hero Xoom 125
4.8 9 user reviews
Starts at ₹ 89,730
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Hero Xoom 125 Variant-Wise EMI

On-road prices in Koderma. 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 125 Variants Fuel/Transmission Ex-showroom On-road Price Loan @9.45% Down Payment EMI (36 months)
VX Petrol Rs. 89,730 Rs. 1,06,065 Rs. 75,222 Rs. 30,843 Rs. 2,408
ZX Petrol Rs. 96,075 Rs. 1,12,975 Rs. 80,749 Rs. 32,226 Rs. 2,585

How Is the Hero Xoom 125 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. 75,222, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 2,408.

The calculation starts from the Koderma on-road price of Rs. 1,06,065 (ex-showroom Rs. 89,730 plus insurance, RTO and other charges).

Factors That Affect Your Hero Xoom 125 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. 35 to the EMI on a Rs. 75,222 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. 6,594; over 60 months it drops to Rs. 1,578 but you pay Rs. 15,552 more in interest.
  • Variant and city: In Koderma the EMI ranges from Rs. 2,408 (VX) to Rs. 2,585 (ZX). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

Hero Xoom 125 EMI vs NTORQ 125, Xoom 160, Activa 125

Starting EMI of each model's base variant, worked out the same way as the Hero Xoom 125: the down payment is the on-road price minus the loan.

ModelOn-road PriceEMITenureInterest RateCompare
TVS NTORQ 125 Disc Rs. 1,10,328 Rs. 2,495 36 months 9.45% Compare with Xoom 125
Hero Xoom 160 ZX Rs. 1,77,098 Rs. 3,985 36 months 9.45% Compare with Xoom 125
Honda Activa 125 25 Year Anniversary Edition Rs. 1,06,508 Rs. 2,490 36 months 9.45% Compare with Xoom 125
Honda Dio 125 X-Edition Rs. 1,09,957 Rs. 2,578 36 months 9.45% Compare with Xoom 125

Frequently Asked Questions About Hero Xoom 125 EMI

What is the monthly EMI for the Hero Xoom 125?

Rs. 2,408 a month for the VX, on a Rs. 75,222 loan at 9.45% for 3 years. The top ZX works out to Rs. 2,585.

How much down payment is required for the Hero Xoom 125?

About Rs. 30,843 for the VX in Koderma. That's the on-road price of Rs. 1,06,065 minus the Rs. 75,222 loan.

How does the loan tenure affect the Hero Xoom 125 EMI?

Over 1 year the EMI is Rs. 6,594 and you pay Rs. 3,906 in interest. Stretch it to 5 years and the EMI drops to Rs. 1,578, but interest rises to Rs. 19,458.

Is the Hero Xoom 125 EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Koderma the VX costs Rs. 1,06,065 on-road, which includes Rs. 6,254 insurance and Rs. 10,081 RTO and other charges.

Does the Hero Xoom 125 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 125 loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 75,222 loan comes to Rs. 2,429 a month.

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