iGowise BeiGo X4 EMI Calculator

Updated on October 2026

The iGowise BeiGo X4 EMI is Rs. 3,391 per month for 36 months at 9.45% on a loan of Rs. 1,05,949, with a down payment of Rs. 23,707. This is based on the STD variant's on-road price of Rs. 1,29,656 in Delhi (ex-showroom Rs. 1,25,000). Use the bike loan calculator below to change the down payment, interest rate and tenure.

Also see: BeiGo X4 On-road price | BeiGo X4 Mileage

iGowise BeiGo X4 EMI and Down Payment

iGowise Mobility BeiGo X4 STD – EMI calculator

Ex-showroom

: Rs. 1,25,000

On-road price

: Rs. 1,29,656 (Delhi)

Loan amount

: Rs. 1,05,949 (On-road - Down payment)

Down payment

: Rs. 23,707 (On-road - Loan amount)

Monthly EMI

: Rs. 3,391 (For Tenure of 36 months @ 9.45%; banks start from 10.05%)

Insurance

: Rs. 4,456

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iGowise BeiGo X4 Bike Loan EMI Calculator

Variant: STD
On-road price (Delhi): Rs. 1,29,656
Down payment: Rs. 23,707
Loan amount: Rs. 1,05,949
Interest rate: 9.45%
Tenure: 36 months
Monthly EMI: Rs. 3,391

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.
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EMI in arrears: You don't make any advance EMI payments. The bank disburses the loan amount minus any other one time fees. ..Read More ..Read Less

iGowise BeiGo X4 Bike Loan EMI & Loan Breakdown

Monthly EMI

Rs. 3,391

36 months @ 9.45%

Down paymentRs. 23,707
Loan amountRs. 1,05,949
Total interestRs. 16,127
Total loan repayment (EMIs)Rs. 1,22,076
Total purchase outlayRs. 1,45,783

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.

Year	Principal paid	Interest paid	Outstanding loan
Year 1 Months 1-12	Rs. 32,044	Rs. 8,648	Rs. 73,905
Year 2 Months 13-24	Rs. 35,207	Rs. 5,485	Rs. 38,698
Year 3 Months 25-36	Rs. 38,698	Rs. 1,994	Rs. 0

iGowise BeiGo X4 Loan Interest Rates by Bank

iGowise BeiGo X4 loan rates, 36 months, loan Rs. 1,05,949
Lending Partners	Interest Rate	EMI Starting From (36 Months)
HDFC Bank	14.5% onwards	Rs. 3,647 (36 months)
ICICI Bank	10.05% onwards	Rs. 3,421 (36 months)
Axis Bank	11% onwards	Rs. 3,469 (36 months)
Bank of Baroda	13.65% onwards	Rs. 3,603 (36 months)

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iGowise BeiGo X4 EMI by Tenure

For a Rs. 1,05,949 loan on the STD at 9.45%.

Tenure	EMI	Total Interest	Total Payable
12 months	Rs. 9,288	Rs. 5,507	Rs. 1,11,456
24 months	Rs. 4,862	Rs. 10,739	Rs. 1,16,688
36 months	Rs. 3,391	Rs. 16,127	Rs. 1,22,076
48 months	Rs. 2,659	Rs. 21,683	Rs. 1,27,632
60 months	Rs. 2,223	Rs. 27,431	Rs. 1,33,380

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iGowise BeiGo X4

3.7 6 user reviews

Starts at ₹ 1,25,000

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How Is the iGowise BeiGo X4 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. 1,05,949, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 3,391.

The calculation starts from the Delhi on-road price of Rs. 1,29,656 (ex-showroom Rs. 1,25,000 plus insurance, RTO and other charges).

Factors That Affect Your iGowise BeiGo X4 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. 50 to the EMI on a Rs. 1,05,949 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. 9,288; over 60 months it drops to Rs. 2,223 but you pay Rs. 21,924 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.

iGowise BeiGo X4 EMI vs Hunter 350, Pulsar NS200, Ronin

Starting EMI of each model's base variant, worked out the same way as the iGowise BeiGo X4: the down payment is the on-road price minus the loan, and the rate depends on the price, so check it in each row.

Model	On-road Price	EMI	Tenure	Interest Rate	Compare
Royal Enfield Hunter 350 Base	Rs. 1,72,776	Rs. 3,744	36 months	9.45%	Compare with BeiGo X4
Bajaj Pulsar NS200 Dual Channel USD	Rs. 1,73,230	Rs. 3,958	36 months	11.99%	Compare with BeiGo X4
TVS Ronin Base - Lightning Black	Rs. 1,56,308	Rs. 3,553	36 months	9.45%	Compare with BeiGo X4
Bajaj Pulsar N160 S STD	Rs. 1,56,531	Rs. 3,576	36 months	11.99%	Compare with BeiGo X4

Frequently Asked Questions About iGowise BeiGo X4 EMI

What is the monthly EMI for the iGowise BeiGo X4?

Rs. 3,391 a month for the STD, on a Rs. 1,05,949 loan at 9.45% for 3 years.

How much down payment is required for the iGowise BeiGo X4?

About Rs. 23,707 for the STD in Delhi. That's the on-road price of Rs. 1,29,656 minus the Rs. 1,05,949 loan.

How does the loan tenure affect the iGowise BeiGo X4 EMI?

Over 1 year the EMI is Rs. 9,288 and you pay Rs. 5,507 in interest. Stretch it to 5 years and the EMI drops to Rs. 2,223, but interest rises to Rs. 27,431.

Is the iGowise BeiGo X4 EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the STD costs Rs. 1,29,656 on-road, which includes Rs. 4,456 insurance and Rs. 200 RTO and other charges.

Does the iGowise BeiGo X4 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 iGowise BeiGo X4 loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 1,05,949 loan comes to Rs. 3,421 a month.

Ask or read owner questions on iGowise BeiGo X4 Q&A

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