Indian Scout Classic EMI Calculator


Updated on November 2026
The Indian Scout Classic EMI is Rs. 38,676 per month for 36 months at 9% on a loan of Rs. 12,16,225, with a down payment of Rs. 3,36,404. This is based on the STD variant's on-road price of Rs. 15,52,629 in Kundli (ex-showroom Rs. 14,02,000). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: Scout Classic On-road price

Indian Scout Classic EMI and Down Payment

Ex-showroom
: Rs. 14,02,000
On-road price
: Rs. 15,52,629  (Kundli)
Loan amount
: Rs. 12,16,225  (On-road price - Down payment)
Down payment
: Rs. 3,36,404  (Amount paid upfront)
Monthly EMI
: Rs. 38,676  (For Tenure of 36 months @ 9%; banks start from 10.05%)
Insurance
: Rs. 38,269
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Indian Scout Classic Bike Loan EMI Calculator

Variant
STD
On-road price (Kundli)
Rs. 15,52,629
Down payment
Rs. 3,36,404
Loan amount
Rs. 12,16,225
Interest rate
9%
Tenure
36 months
Monthly EMI
Rs. 38,676
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

Indian Scout Classic Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 38,676
36 months @ 9%
  • Down paymentRs. 3,36,404
  • Loan amountRs. 12,16,225
  • Total interestRs. 1,76,111
  • Total loan repayment (EMIs)Rs. 13,92,336
  • Total purchase outlayRs. 17,28,740

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. 3,69,653Rs. 94,459Rs. 8,46,572
Year 2 Months 13-24Rs. 4,04,329Rs. 59,783Rs. 4,42,243
Year 3 Months 25-36Rs. 4,42,243Rs. 21,869Rs. 0
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Indian Scout Classic Loan Interest Rates by Bank

Indian Scout Classic loan rates, 36 months, loan Rs. 12,16,225
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 41,864 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 39,273 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 39,818 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 41,361 (36 months)
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Indian Scout Classic EMI by Tenure

For a Rs. 12,16,225 loan on the STD at 9%.

Tenure EMI Total Interest Total Payable
12 months Rs. 1,06,361 Rs. 60,107 Rs. 12,76,332
24 months Rs. 55,563 Rs. 1,17,287 Rs. 13,33,512
36 months Rs. 38,676 Rs. 1,76,111 Rs. 13,92,336
48 months Rs. 30,266 Rs. 2,36,543 Rs. 14,52,768
60 months Rs. 25,247 Rs. 2,98,595 Rs. 15,14,820
Indian Scout Classic
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Indian Scout Classic
Starts at ₹ 14,02,000
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How Is the Indian Scout Classic 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. 12,16,225, r = (9 ÷ 12) ÷ 100 = 0.0075 and n = 36 months, which gives an EMI of Rs. 38,676.

The calculation starts from the Kundli on-road price of Rs. 15,52,629 (ex-showroom Rs. 14,02,000 plus insurance, RTO and other charges).

Factors That Affect Your Indian Scout Classic 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. 568 to the EMI on a Rs. 12,16,225 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. 1,06,361; over 60 months it drops to Rs. 25,247 but you pay Rs. 2,38,488 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.

Indian Scout Classic EMI vs Ninja ZX-6R, Bonneville T120, C 400 GT

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

ModelOn-road PriceEMITenureInterest RateCompare
Kawasaki Ninja ZX-6R STD Rs. 13,85,159 Rs. 34,436 36 months 9% Compare with Scout Classic
Triumph Bonneville T120 Black Rs. 13,50,133 Rs. 33,549 36 months 9% Compare with Scout Classic
BMW C 400 GT STD Rs. 12,70,227 Rs. 31,693 36 months 9% Compare with Scout Classic
Triumph Bonneville Bobber STD Rs. 14,27,300 Rs. 35,503 36 months 9% Compare with Scout Classic

Frequently Asked Questions About Indian Scout Classic EMI

What is the monthly EMI for the Indian Scout Classic?

Rs. 38,676 a month for the STD, on a Rs. 12,16,225 loan at 9% for 3 years.

How much down payment is required for the Indian Scout Classic?

About Rs. 3,36,404 for the STD in Kundli. That's the on-road price of Rs. 15,52,629 minus the Rs. 12,16,225 loan.

How does the loan tenure affect the Indian Scout Classic EMI?

Over 1 year the EMI is Rs. 1,06,361 and you pay Rs. 60,107 in interest. Stretch it to 5 years and the EMI drops to Rs. 25,247, but interest rises to Rs. 2,98,595.

Is the Indian Scout Classic EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Kundli the STD costs Rs. 15,52,629 on-road, which includes Rs. 38,269 insurance and Rs. 1,12,360 RTO and other charges.

Does the Indian Scout Classic 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 Indian Scout Classic loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 12,16,225 loan comes to Rs. 39,273 a month.

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