Honda Gold Wing EMI Calculator


Updated on November 2026
The Honda Gold Wing EMI is Rs. 1,22,580 per month for 36 months at 9% on a loan of Rs. 38,54,764, with a down payment of Rs. 11,89,482. This is based on the STD variant's on-road price of Rs. 50,44,246 in Tiruppur (ex-showroom Rs. 44,30,000). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: Gold Wing On-road price

Honda Gold Wing EMI and Down Payment

Ex-showroom
: Rs. 44,30,000
On-road price
: Rs. 50,44,246  (Tiruppur)
Loan amount
: Rs. 38,54,764  (On-road price - Down payment)
Down payment
: Rs. 11,89,482  (Amount paid upfront)
Monthly EMI
: Rs. 1,22,580  (For Tenure of 36 months @ 9%; banks start from 10.05%)
Insurance
: Rs. 82,396
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Honda Gold Wing Bike Loan EMI Calculator

Variant
STD
On-road price (Tiruppur)
Rs. 50,44,246
Down payment
Rs. 11,89,482
Loan amount
Rs. 38,54,764
Interest rate
9%
Tenure
36 months
Monthly EMI
Rs. 1,22,580
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

Honda Gold Wing Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 1,22,580
36 months @ 9%
  • Down paymentRs. 11,89,482
  • Loan amountRs. 38,54,764
  • Total interestRs. 5,58,116
  • Total loan repayment (EMIs)Rs. 44,12,880
  • Total purchase outlayRs. 56,02,362

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the STD 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. 11,71,576Rs. 2,99,384Rs. 26,83,188
Year 2 Months 13-24Rs. 12,81,479Rs. 1,89,481Rs. 14,01,709
Year 3 Months 25-36Rs. 14,01,709Rs. 69,251Rs. 0
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Honda Gold Wing Loan Interest Rates by Bank

Honda Gold Wing loan rates, 36 months, loan Rs. 38,54,764
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 1,32,685 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 1,24,473 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 1,26,200 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 1,31,092 (36 months)
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Honda Gold Wing EMI by Tenure

For a Rs. 38,54,764 loan on the STD at 9%.

Tenure EMI Total Interest Total Payable
12 months Rs. 3,37,105 Rs. 1,90,496 Rs. 40,45,260
24 months Rs. 1,76,104 Rs. 3,71,732 Rs. 42,26,496
36 months Rs. 1,22,580 Rs. 5,58,116 Rs. 44,12,880
48 months Rs. 95,926 Rs. 7,49,684 Rs. 46,04,448
60 months Rs. 80,019 Rs. 9,46,376 Rs. 48,01,140
Honda Gold Wing
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Honda Gold Wing
4.4 7 user reviews
Starts at ₹ 44,30,000
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How Is the Honda Gold Wing 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 STD variant: P = Rs. 38,54,764, r = (9 ÷ 12) ÷ 100 = 0.0075 and n = 36 months, which gives an EMI of Rs. 1,22,580.

The calculation starts from the Tiruppur on-road price of Rs. 50,44,246 (ex-showroom Rs. 44,30,000 plus insurance, RTO and other charges).

Factors That Affect Your Honda Gold Wing Loan EMI

  • Down payment: Every Rs. 10,000 of extra down payment lowers the EMI by about Rs. 318 at 9% for 36 months.
  • Interest rate: A rate 1% higher adds about Rs. 1,802 to the EMI on a Rs. 38,54,764 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. 3,37,105; over 60 months it drops to Rs. 80,019 but you pay Rs. 7,55,880 more in interest.
  • Variant and city: The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

Honda Gold Wing EMI vs K 1600 GTL, Street Glide, Road Glide

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

ModelOn-road PriceEMITenureInterest RateCompare
BMW K 1600 GTL Pro Rs. 43,29,465 Rs. 1,05,123 36 months 9% Compare with Gold Wing
Harley-Davidson Street Glide STD Rs. 48,40,023 Rs. 1,17,593 36 months 9% Compare with Gold Wing
Harley-Davidson Road Glide STD Rs. 52,08,759 Rs. 1,26,598 36 months 9% Compare with Gold Wing
Indian Roadmaster STD Rs. 55,19,632 Rs. 1,34,191 36 months 9% Compare with Gold Wing

Frequently Asked Questions About Honda Gold Wing EMI

What is the monthly EMI for the Honda Gold Wing?

Rs. 1,22,580 a month for the STD, on a Rs. 38,54,764 loan at 9% for 3 years.

How much down payment is required for the Honda Gold Wing?

About Rs. 11,89,482 for the STD in Tiruppur. That's the on-road price of Rs. 50,44,246 minus the Rs. 38,54,764 loan.

How does the loan tenure affect the Honda Gold Wing EMI?

Over 1 year the EMI is Rs. 3,37,105 and you pay Rs. 1,90,496 in interest. Stretch it to 5 years and the EMI drops to Rs. 80,019, but interest rises to Rs. 9,46,376.

Is the Honda Gold Wing EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Tiruppur the STD costs Rs. 50,44,246 on-road, which includes Rs. 82,396 insurance and Rs. 5,31,850 RTO and other charges.

Does the Honda Gold Wing EMI calculator include the processing fee?

Yes. The Rs. 5,450 processing fee is paid with the down payment and is not added to the loan.

Which bank has the lowest interest rate for a Honda Gold Wing loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 38,54,764 loan comes to Rs. 1,24,473 a month.

Ask or read owner questions on Honda Gold Wing Q&A

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