Joy e-bike Mihos EMI Calculator


Updated on October 2026
The Joy e-bike Mihos EMI is Rs. 2,907 per month for 36 months at 9.45% on a loan of Rs. 90,807, with a down payment of Rs. 21,163. This is based on the STD variant's on-road price of Rs. 1,11,970 in Delhi (ex-showroom Rs. 1,07,619). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: Mihos On-road price | Mihos Mileage

Joy e-bike Mihos EMI and Down Payment (Delhi)

Ex-showroom
: Rs. 1,07,619
On-road price
: Rs. 1,11,970  (Delhi)
Loan amount
: Rs. 90,807  (On-road - Down payment)
Down payment
: Rs. 21,163  (On-road - Loan amount)
Monthly EMI
: Rs. 2,907  (For Tenure of 36 months @ 9.45%; banks start from 10.05%)
Insurance
: Rs. 4,351
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Joy e-bike Mihos Bike Loan EMI Calculator

On-road price (Delhi)
Rs. 1,11,970
Down payment
Rs. 21,163
Loan amount
Rs. 90,807
Interest rate
9.45%
Tenure
36 months
Monthly EMI
Rs. 2,907
Total interest
Rs. 13,845
Total payable
Rs. 1,04,652
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
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Joy e-bike Mihos Loan Interest Rates by Bank

Joy e-bike Mihos loan rates, 36 months, loan Rs. 90,807
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 3,126 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 2,932 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 2,973 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 3,088 (36 months)
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Joy e-bike Mihos EMI by Tenure

For a Rs. 90,807 loan on the STD electric at 9.45%.

Tenure EMI Total Interest Total Payable
12 months Rs. 7,960 Rs. 4,713 Rs. 95,520
24 months Rs. 4,167 Rs. 9,201 Rs. 1,00,008
36 months Rs. 2,907 Rs. 13,845 Rs. 1,04,652
48 months Rs. 2,279 Rs. 18,585 Rs. 1,09,392
60 months Rs. 1,905 Rs. 23,493 Rs. 1,14,300
Joy e-bike Mihos
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Joy e-bike Mihos
5.0 3 user reviews
Starts at ₹ 1,07,619
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Joy e-bike Mihos EMI FAQs

What is the EMI for the Joy e-bike Mihos?

Rs. 2,907 per month for the STD variant (loan Rs. 90,807, 9.45%, 36 months). Over 60 months it is Rs. 1,905.

What is the down payment for the Joy e-bike Mihos?

Rs. 21,163 for STD in ZigWheels' default calculation.

Which bank has the lowest rate for a Joy e-bike Mihos loan?

Of the listed partners, ICICI Bank starts at 10.05% (EMI Rs. 2,932 for 36 months). Axis Bank 11%, Bank of Baroda 13.65%, HDFC Bank 14.5%.

How much total interest will I pay on a Joy e-bike Mihos loan?

Rs. 13,845 over 36 months on the STD loan at 9.45%.

What on-road price is the Joy e-bike Mihos EMI based on?

Rs. 1,11,970 in Delhi: ex-showroom Rs. 1,07,619, insurance Rs. 4,351, RTO and other charges Rs. 0.

What is the difference between EMI in advance and EMI in arrears?

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

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