Hero Xoom 160 EMI Calculator


Updated on October 2026
The Hero Xoom 160 EMI is Rs. 4,036 per month for 36 months at 9.45% on a loan of Rs. 1,26,097, with a down payment of Rs. 48,223. This is based on the ZX variant's on-road price of Rs. 1,74,320 in Motihari (ex-showroom Rs. 1,48,127). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: Xoom 160 On-road price | Xoom 160 Mileage

Hero Xoom 160 EMI and Down Payment (Motihari)

Ex-showroom
: Rs. 1,48,127
On-road price
: Rs. 1,74,320  (Motihari)
Loan amount
: Rs. 1,26,097  (On-road - Down payment)
Down payment
: Rs. 48,223  (On-road - Loan amount)
Monthly EMI
: Rs. 4,036  (For Tenure of 36 months @ 9.45%; banks start from 10.05%)
Insurance
: Rs. 11,181
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Hero Xoom 160 Bike Loan EMI Calculator

On-road price (Motihari)
Rs. 1,74,320
Down payment
Rs. 48,223
Loan amount
Rs. 1,26,097
Interest rate
9.45%
Tenure
36 months
Monthly EMI
Rs. 4,036
Total interest
Rs. 19,199
Total payable
Rs. 1,45,296
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 Xoom 160 Loan Interest Rates by Bank

Hero Xoom 160 loan rates, 36 months, loan Rs. 1,26,097
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 4,340 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 4,072 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 4,128 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 4,288 (36 months)
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Hero Xoom 160 EMI by Tenure

For a Rs. 1,26,097 loan on the ZX petrol at 9.45%.

Tenure EMI Total Interest Total Payable
12 months Rs. 11,054 Rs. 6,551 Rs. 1,32,648
24 months Rs. 5,787 Rs. 12,791 Rs. 1,38,888
36 months Rs. 4,036 Rs. 19,199 Rs. 1,45,296
48 months Rs. 3,165 Rs. 25,823 Rs. 1,51,920
60 months Rs. 2,645 Rs. 32,603 Rs. 1,58,700
Hero Xoom 160
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Hero Xoom 160
5.0 13 user reviews
Starts at ₹ 1,48,127
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Hero Xoom 160 EMI vs Burgman Street, Aerox 155, NTorq 150

Hero Xoom 160 EMI FAQs

What is the EMI for the Hero Xoom 160?

Rs. 4,036 per month for the ZX variant (loan Rs. 1,26,097, 9.45%, 36 months). Over 60 months it is Rs. 2,645.

What is the down payment for the Hero Xoom 160?

Rs. 48,223 for ZX in ZigWheels' default calculation.

Which bank has the lowest rate for a Hero Xoom 160 loan?

Of the listed partners, ICICI Bank starts at 10.05% (EMI Rs. 4,072 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 Xoom 160 loan?

Rs. 19,199 over 36 months on the ZX loan at 9.45%.

What on-road price is the Hero Xoom 160 EMI based on?

Rs. 1,74,320 in Motihari: ex-showroom Rs. 1,48,127, insurance Rs. 11,181, RTO and other charges Rs. 15,012.

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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