JHEV Delta E5 EMI Calculator


Updated on October 2026
The JHEV Delta E5 EMI is Rs. 3,977 per month for 36 months at 9.45% on a loan of Rs. 1,24,243, with a down payment of Rs. 41,921. This is based on the STD variant's on-road price of Rs. 1,66,164 in Delhi (ex-showroom Rs. 1,45,999). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: Delta E5 On-road price | Delta E5 Mileage

JHEV Delta E5 EMI and Down Payment

Ex-showroom
: Rs. 1,45,999
On-road price
: Rs. 1,66,164  (Delhi)
Loan amount
: Rs. 1,24,243  (On-road - Down payment)
Down payment
: Rs. 41,921  (On-road - Loan amount)
Monthly EMI
: Rs. 3,977  (For Tenure of 36 months @ 9.45%; banks start from 10.05%)
Insurance
: Rs. 19,965
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JHEV Delta E5 Bike Loan EMI Calculator

Variant
STD
On-road price (Delhi)
Rs. 1,66,164
Down payment
Rs. 41,921
Loan amount
Rs. 1,24,243
Interest rate
9.45%
Tenure
36 months
Monthly EMI
Rs. 3,977
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

JHEV Delta E5 Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 3,977
36 months @ 9.45%
  • Down paymentRs. 41,921
  • Loan amountRs. 1,24,243
  • Total interestRs. 18,929
  • Total loan repayment (EMIs)Rs. 1,43,172
  • Total purchase outlayRs. 1,85,093

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. 37,583Rs. 10,141Rs. 86,660
Year 2 Months 13-24Rs. 41,293Rs. 6,431Rs. 45,367
Year 3 Months 25-36Rs. 45,367Rs. 2,357Rs. 0
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JHEV Delta E5 Loan Interest Rates by Bank

JHEV Delta E5 loan rates, 36 months, loan Rs. 1,24,243
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 4,277 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 4,012 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 4,068 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 4,225 (36 months)
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JHEV Delta E5 EMI by Tenure

For a Rs. 1,24,243 loan on the STD at 9.45%.

Tenure EMI Total Interest Total Payable
12 months Rs. 10,891 Rs. 6,449 Rs. 1,30,692
24 months Rs. 5,702 Rs. 12,605 Rs. 1,36,848
36 months Rs. 3,977 Rs. 18,929 Rs. 1,43,172
48 months Rs. 3,118 Rs. 25,421 Rs. 1,49,664
60 months Rs. 2,606 Rs. 32,117 Rs. 1,56,360
JHEV Delta E5
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JHEV Delta E5
5.0 1 user reviews
Starts at ₹ 1,45,999
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How Is the JHEV Delta E5 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. 1,24,243, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 3,977.

The calculation starts from the Delhi on-road price of Rs. 1,66,164 (ex-showroom Rs. 1,45,999 plus insurance, RTO and other charges).

Factors That Affect Your JHEV Delta E5 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. 58 to the EMI on a Rs. 1,24,243 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. 10,891; over 60 months it drops to Rs. 2,606 but you pay Rs. 25,668 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.

JHEV Delta E5 EMI vs Hunter 350, Pulsar NS200, R15 V4

Starting EMI of each model's base variant, worked out the same way as the JHEV Delta E5: the down payment is the on-road price minus the loan, and the rate depends on the price, so check it in each row.

ModelOn-road PriceEMITenureInterest RateCompare
Royal Enfield Hunter 350 Base Rs. 1,72,776 Rs. 3,744 36 months 9.45% Compare with Delta E5
Bajaj Pulsar NS200 Dual Channel USD Rs. 1,73,230 Rs. 3,958 36 months 11.99% Compare with Delta E5
Yamaha R15 V4 Metallic Black Rs. 2,00,668 Rs. 4,782 36 months 9.45% Compare with Delta E5
TVS Ronin Base - Lightning Black Rs. 1,56,308 Rs. 3,553 36 months 9.45% Compare with Delta E5

Frequently Asked Questions About JHEV Delta E5 EMI

What is the monthly EMI for the JHEV Delta E5?

Rs. 3,977 a month for the STD, on a Rs. 1,24,243 loan at 9.45% for 3 years.

How much down payment is required for the JHEV Delta E5?

About Rs. 41,921 for the STD in Delhi. That's the on-road price of Rs. 1,66,164 minus the Rs. 1,24,243 loan.

How does the loan tenure affect the JHEV Delta E5 EMI?

Over 1 year the EMI is Rs. 10,891 and you pay Rs. 6,449 in interest. Stretch it to 5 years and the EMI drops to Rs. 2,606, but interest rises to Rs. 32,117.

Is the JHEV Delta E5 EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the STD costs Rs. 1,66,164 on-road, which includes Rs. 19,965 insurance and Rs. 200 RTO and other charges.

Does the JHEV Delta E5 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 JHEV Delta E5 loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 1,24,243 loan comes to Rs. 4,012 a month.

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