Joy e-bike Beast EMI Calculator


Updated on November 2026
The Joy e-bike Beast EMI is Rs. 6,612 per month for 36 months at 9% on a loan of Rs. 2,07,924, with a down payment of Rs. 41,788. This is based on the STD variant's on-road price of Rs. 2,49,712 in Delhi (ex-showroom Rs. 2,42,000). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: Beast On-road price | Beast Mileage

Joy e-bike Beast EMI and Down Payment

Ex-showroom
: Rs. 2,42,000
On-road price
: Rs. 2,49,712  (Delhi)
Loan amount
: Rs. 2,07,924  (On-road price - Down payment)
Down payment
: Rs. 41,788  (Amount paid upfront)
Monthly EMI
: Rs. 6,612  (For Tenure of 36 months @ 9%; banks start from 10.05%)
Insurance
: Rs. 7,512
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Joy e-bike Beast Bike Loan EMI Calculator

Variant
STD
On-road price (Delhi)
Rs. 2,49,712
Down payment
Rs. 41,788
Loan amount
Rs. 2,07,924
Interest rate
9%
Tenure
36 months
Monthly EMI
Rs. 6,612
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

Joy e-bike Beast Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 6,612
36 months @ 9%
  • Down paymentRs. 41,788
  • Loan amountRs. 2,07,924
  • Total interestRs. 30,108
  • Total loan repayment (EMIs)Rs. 2,38,032
  • Total purchase outlayRs. 2,79,820

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. 63,195Rs. 16,149Rs. 1,44,729
Year 2 Months 13-24Rs. 69,124Rs. 10,220Rs. 75,605
Year 3 Months 25-36Rs. 75,605Rs. 3,739Rs. 0
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Joy e-bike Beast Loan Interest Rates by Bank

Joy e-bike Beast loan rates, 36 months, loan Rs. 2,07,924
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 7,157 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 6,714 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 6,807 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 7,071 (36 months)
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Joy e-bike Beast EMI by Tenure

For a Rs. 2,07,924 loan on the STD at 9%.

Tenure EMI Total Interest Total Payable
12 months Rs. 18,183 Rs. 10,272 Rs. 2,18,196
24 months Rs. 9,499 Rs. 20,052 Rs. 2,27,976
36 months Rs. 6,612 Rs. 30,108 Rs. 2,38,032
48 months Rs. 5,174 Rs. 40,428 Rs. 2,48,352
60 months Rs. 4,316 Rs. 51,036 Rs. 2,58,960
Joy e-bike Beast
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Joy e-bike Beast
4.4 8 user reviews
Starts at ₹ 2,42,000
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How Is the Joy e-bike Beast 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. 2,07,924, r = (9 ÷ 12) ÷ 100 = 0.0075 and n = 36 months, which gives an EMI of Rs. 6,612.

The calculation starts from the Delhi on-road price of Rs. 2,49,712 (ex-showroom Rs. 2,42,000 plus insurance, RTO and other charges).

Factors That Affect Your Joy e-bike Beast 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. 97 to the EMI on a Rs. 2,07,924 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. 18,183; over 60 months it drops to Rs. 4,316 but you pay Rs. 40,764 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.

Joy e-bike Beast EMI vs 42 Bobber, 390 Duke, X440

Starting EMI of each model's base variant, worked out the same way as the Joy e-bike Beast: the down payment is the on-road price minus the loan.

ModelOn-road PriceEMITenureInterest RateCompare
Jawa 42 Bobber All Stars Mystic Copper Rs. 2,38,061 Rs. 5,696 36 months 9% Compare with Beast
KTM 390 Duke STD Rs. 3,21,885 Rs. 7,782 36 months 9% Compare with Beast
Harley-Davidson X440 Vivid Rs. 2,75,526 Rs. 6,418 36 months 9% Compare with Beast
Bajaj Dominar 400 STD Rs. 2,40,306 Rs. 5,388 36 months 9% Compare with Beast

Frequently Asked Questions About Joy e-bike Beast EMI

What is the monthly EMI for the Joy e-bike Beast?

Rs. 6,612 a month for the STD, on a Rs. 2,07,924 loan at 9% for 3 years.

How much down payment is required for the Joy e-bike Beast?

About Rs. 41,788 for the STD in Delhi. That's the on-road price of Rs. 2,49,712 minus the Rs. 2,07,924 loan.

How does the loan tenure affect the Joy e-bike Beast EMI?

Over 1 year the EMI is Rs. 18,183 and you pay Rs. 10,272 in interest. Stretch it to 5 years and the EMI drops to Rs. 4,316, but interest rises to Rs. 51,036.

Is the Joy e-bike Beast EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the STD costs Rs. 2,49,712 on-road, which includes Rs. 7,512 insurance and Rs. 200 RTO and other charges.

Does the Joy e-bike Beast 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 Joy e-bike Beast loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 2,07,924 loan comes to Rs. 6,714 a month.

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