Hero Lectro H4 EMI Calculator


Updated on October 2026
The Hero Lectro H4 EMI is Rs. 812 per month for 36 months at 9.45% on a loan of Rs. 25,363, with a down payment of Rs. 10,329. This is based on the STD variant's on-road price of Rs. 35,692 in Pune (ex-showroom Rs. 32,499). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: H4 On-road price | H4 Mileage

Hero Lectro H4 EMI and Down Payment (Pune)

Ex-showroom
: Rs. 32,499
On-road price
: Rs. 35,692  (Pune)
Loan amount
: Rs. 25,363  (On-road - Down payment)
Down payment
: Rs. 10,329  (On-road - Loan amount)
Monthly EMI
: Rs. 812  (For Tenure of 36 months @ 9.45%; banks start from 10.05%)
Insurance
: Rs. 2,993
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Hero Lectro H4 Bike Loan EMI Calculator

On-road price (Pune)
Rs. 35,692
Down payment
Rs. 10,329
Loan amount
Rs. 25,363
Interest rate
9.45%
Tenure
36 months
Monthly EMI
Rs. 812
Total interest
Rs. 3,869
Total payable
Rs. 29,232
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 Lectro H4 Loan Interest Rates by Bank

Hero Lectro H4 loan rates, 36 months, loan Rs. 25,363
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 873 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 819 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 830 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 863 (36 months)
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Hero Lectro H4 EMI by Tenure

For a Rs. 25,363 loan on the STD electric at 9.45%.

Tenure EMI Total Interest Total Payable
12 months Rs. 2,223 Rs. 1,313 Rs. 26,676
24 months Rs. 1,164 Rs. 2,573 Rs. 27,936
36 months Rs. 812 Rs. 3,869 Rs. 29,232
48 months Rs. 637 Rs. 5,213 Rs. 30,576
60 months Rs. 532 Rs. 6,557 Rs. 31,920
Hero Lectro H4
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Hero Lectro H4
Starts at ₹ 32,499
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Hero Lectro H4 Variant-wise EMI & Down Payment

H4 Variants Fuel/Transmission Ex-showroom Loan @9.45% Down Payment EMI (36 months)
STD Electric Rs. 32,499 Rs. 25,363 Rs. 10,329 Rs. 812
+ Electric Rs. 41,999 Rs. 33,639 Rs. 11,707 Rs. 1,077

Hero Lectro H4 EMI vs X One, Rubie, Sunny

Hero Lectro H4 EMI FAQs

What is the EMI for the Hero Lectro H4?

Rs. 812 per month for the STD variant (loan Rs. 25,363, 9.45%, 36 months). Over 60 months it is Rs. 532.

What is the down payment for the Hero Lectro H4?

Rs. 10,329 for STD and Rs. 11,707 for + in ZigWheels' default calculation.

What is the EMI for the Hero Lectro H4 + variant?

Rs. 1,077 per month on a loan of Rs. 33,639 at 9.45% for 36 months.

Which bank has the lowest rate for a Hero Lectro H4 loan?

Of the listed partners, ICICI Bank starts at 10.05% (EMI Rs. 819 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 Lectro H4 loan?

Rs. 3,869 over 36 months on the STD loan at 9.45%.

What on-road price is the Hero Lectro H4 EMI based on?

Rs. 35,692 in Pune: ex-showroom Rs. 32,499, insurance Rs. 2,993, RTO and other charges Rs. 200.

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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