Honda Shine 100 DX EMI Calculator


Updated on November 2026
The Honda Shine 100 DX EMI is Rs. 1,917 per month for 36 months at 9.45% on a loan of Rs. 59,901, with a down payment of Rs. 23,411. This is based on the STD variant's on-road price of Rs. 83,312 in Jamshedpur (ex-showroom Rs. 72,143). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: Shine 100 DX On-road price | Shine 100 DX Mileage

Honda Shine 100 DX EMI and Down Payment

Ex-showroom
: Rs. 72,143
On-road price
: Rs. 83,312  (Jamshedpur)
Loan amount
: Rs. 59,901  (On-road price - Down payment)
Down payment
: Rs. 23,411  (Amount paid upfront)
Monthly EMI
: Rs. 1,917  (For Tenure of 36 months @ 9.45%; banks start from 10.05%)
Insurance
: Rs. 5,919
Get Diwali Offers View EMI Offers

Honda Shine 100 DX Bike Loan EMI Calculator

Variant
STD
On-road price (Jamshedpur)
Rs. 83,312
Down payment
Rs. 23,411
Loan amount
Rs. 59,901
Interest rate
9.45%
Tenure
36 months
Monthly EMI
Rs. 1,917
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 Shine 100 DX Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 1,917
36 months @ 9.45%
  • Down paymentRs. 23,411
  • Loan amountRs. 59,901
  • Total interestRs. 9,111
  • Total loan repayment (EMIs)Rs. 69,012
  • Total purchase outlayRs. 92,423

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. 18,115Rs. 4,889Rs. 41,786
Year 2 Months 13-24Rs. 19,902Rs. 3,102Rs. 21,884
Year 3 Months 25-36Rs. 21,884Rs. 1,120Rs. 0
Image
Do you own a Car or Bike?
  • Interact with community
  • Become a Top Contributor
Add Car Add Bike

Honda Shine 100 DX Loan Interest Rates by Bank

Honda Shine 100 DX loan rates, 36 months, loan Rs. 59,901
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 2,062 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 1,934 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 1,961 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 2,037 (36 months)
Apply Now

Honda Shine 100 DX EMI by Tenure

For a Rs. 59,901 loan on the STD at 9.45%.

Tenure EMI Total Interest Total Payable
12 months Rs. 5,251 Rs. 3,111 Rs. 63,012
24 months Rs. 2,749 Rs. 6,075 Rs. 65,976
36 months Rs. 1,917 Rs. 9,111 Rs. 69,012
48 months Rs. 1,503 Rs. 12,243 Rs. 72,144
60 months Rs. 1,257 Rs. 15,519 Rs. 75,420
Honda Shine 100 DX
Images | Colours
Honda Shine 100 DX
5.0 3 user reviews
Starts at ₹ 72,143
Get Diwali Offers
Add your question
Have a question in mind?

Get Answers from over 1.2 million owners and auto-experts

Ask Your Question

How Is the Honda Shine 100 DX 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. 59,901, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 1,917.

The calculation starts from the Jamshedpur on-road price of Rs. 83,312 (ex-showroom Rs. 72,143 plus insurance, RTO and other charges).

Factors That Affect Your Honda Shine 100 DX 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. 59,901 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. 5,251; over 60 months it drops to Rs. 1,257 but you pay Rs. 12,408 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 Shine 100 DX EMI vs HF Deluxe Flex Fuel, Shine 100, HF Deluxe

Starting EMI of each model's base variant, worked out the same way as the Honda Shine 100 DX: the down payment is the on-road price minus the loan.

ModelOn-road PriceEMITenureInterest RateCompare
Hero HF Deluxe Flex Fuel STD Rs. 82,089 Rs. 1,886 36 months 9.45% Compare with Shine 100 DX
Honda Shine 100 Standard Rs. 77,323 Rs. 1,741 36 months 9.45% Compare with Shine 100 DX
Hero HF Deluxe Kick Cast OBD2B Rs. 77,842 Rs. 1,729 36 months 9.45% Compare with Shine 100 DX

Frequently Asked Questions About Honda Shine 100 DX EMI

What is the monthly EMI for the Honda Shine 100 DX?

Rs. 1,917 a month for the STD, on a Rs. 59,901 loan at 9.45% for 3 years.

How much down payment is required for the Honda Shine 100 DX?

About Rs. 23,411 for the STD in Jamshedpur. That's the on-road price of Rs. 83,312 minus the Rs. 59,901 loan.

How does the loan tenure affect the Honda Shine 100 DX EMI?

Over 1 year the EMI is Rs. 5,251 and you pay Rs. 3,111 in interest. Stretch it to 5 years and the EMI drops to Rs. 1,257, but interest rises to Rs. 15,519.

Is the Honda Shine 100 DX EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Jamshedpur the STD costs Rs. 83,312 on-road, which includes Rs. 5,919 insurance and Rs. 5,250 RTO and other charges.

Does the Honda Shine 100 DX 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 Honda Shine 100 DX loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 59,901 loan comes to Rs. 1,934 a month.

Ask or read owner questions on Honda Shine 100 DX Q&A

Honda Bikes in India

Honda Bikes in India

Honda Scooters in India

Honda Scooters in India

Popular Electric Bikes

View All Popular Electric Bikes
  1. Home ›
  2. New Bikes ›
  3. Honda ›
  4. Shine 100 DX ›
  5. Honda Shine 100 DX EMI Calculator
×