Kawasaki KX112 EMI Calculator


Updated on October 2026
The Kawasaki KX112 EMI is Rs. 12,328 per month for 36 months at 9% on a loan of Rs. 3,87,671, with a down payment of Rs. 1,02,448. This is based on the STD variant's on-road price of Rs. 4,90,119 in Nuapada (ex-showroom Rs. 4,50,000). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: KX112 On-road price | KX112 Mileage

Kawasaki KX112 EMI and Down Payment

Ex-showroom
: Rs. 4,50,000
On-road price
: Rs. 4,90,119  (Nuapada)
Loan amount
: Rs. 3,87,671  (On-road - Down payment)
Down payment
: Rs. 1,02,448  (On-road - Loan amount)
Monthly EMI
: Rs. 12,328  (For Tenure of 36 months @ 9%; banks start from 10.05%)
Insurance
: Rs. 13,119
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Kawasaki KX112 Bike Loan EMI Calculator

Variant
STD
On-road price (Nuapada)
Rs. 4,90,119
Down payment
Rs. 1,02,448
Loan amount
Rs. 3,87,671
Interest rate
9%
Tenure
36 months
Monthly EMI
Rs. 12,328
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

Kawasaki KX112 Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 12,328
36 months @ 9%
  • Down paymentRs. 1,02,448
  • Loan amountRs. 3,87,671
  • Total interestRs. 56,137
  • Total loan repayment (EMIs)Rs. 4,43,808
  • Total purchase outlayRs. 5,46,256

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. 1,17,827Rs. 30,109Rs. 2,69,844
Year 2 Months 13-24Rs. 1,28,881Rs. 19,055Rs. 1,40,963
Year 3 Months 25-36Rs. 1,40,963Rs. 6,973Rs. 0
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Kawasaki KX112 Loan Interest Rates by Bank

Kawasaki KX112 loan rates, 36 months, loan Rs. 3,87,671
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 13,344 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 12,518 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 12,692 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 13,184 (36 months)
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Kawasaki KX112 EMI by Tenure

For a Rs. 3,87,671 loan on the STD at 9%.

Tenure EMI Total Interest Total Payable
12 months Rs. 33,902 Rs. 19,153 Rs. 4,06,824
24 months Rs. 17,711 Rs. 37,393 Rs. 4,25,064
36 months Rs. 12,328 Rs. 56,137 Rs. 4,43,808
48 months Rs. 9,647 Rs. 75,385 Rs. 4,63,056
60 months Rs. 8,047 Rs. 95,149 Rs. 4,82,820
Kawasaki KX112
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Kawasaki KX112
Starts at ₹ 4,50,000
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How Is the Kawasaki KX112 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. 3,87,671, r = (9 ÷ 12) ÷ 100 = 0.0075 and n = 36 months, which gives an EMI of Rs. 12,328.

The calculation starts from the Nuapada on-road price of Rs. 4,90,119 (ex-showroom Rs. 4,50,000 plus insurance, RTO and other charges).

Factors That Affect Your Kawasaki KX112 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. 181 to the EMI on a Rs. 3,87,671 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. 33,902; over 60 months it drops to Rs. 8,047 but you pay Rs. 75,996 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.

Kawasaki KX112 EMI vs Super Meteor 650, RS 457, Tuono 457

Starting EMI of each model's base variant, worked out the same way as the Kawasaki KX112: the down payment is the on-road price minus the loan.

ModelOn-road PriceEMITenureInterest RateCompare
Royal Enfield Super Meteor 650 Astral Rs. 4,67,281 Rs. 11,108 36 months 9% Compare with KX112
Aprilia RS 457 STD Rs. 4,79,880 Rs. 11,773 36 months 9% Compare with KX112
Aprilia Tuono 457 Special Edition Rs. 4,70,979 (Delhi) Rs. 10,931 36 months 9% Compare with KX112
Royal Enfield Shotgun 650 Sheet Metal Grey Rs. 4,63,603 Rs. 10,970 36 months 9% Compare with KX112

Frequently Asked Questions About Kawasaki KX112 EMI

What is the monthly EMI for the Kawasaki KX112?

Rs. 12,328 a month for the STD, on a Rs. 3,87,671 loan at 9% for 3 years.

How much down payment is required for the Kawasaki KX112?

About Rs. 1,02,448 for the STD in Nuapada. That's the on-road price of Rs. 4,90,119 minus the Rs. 3,87,671 loan.

How does the loan tenure affect the Kawasaki KX112 EMI?

Over 1 year the EMI is Rs. 33,902 and you pay Rs. 19,153 in interest. Stretch it to 5 years and the EMI drops to Rs. 8,047, but interest rises to Rs. 95,149.

Is the Kawasaki KX112 EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Nuapada the STD costs Rs. 4,90,119 on-road, which includes Rs. 13,119 insurance and Rs. 27,000 RTO and other charges.

Does the Kawasaki KX112 EMI calculator include the processing fee?

Yes. The Rs. 4,450 processing fee is paid with the down payment and is not added to the loan.

Which bank has the lowest interest rate for a Kawasaki KX112 loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 3,87,671 loan comes to Rs. 12,518 a month.

Ask or read owner questions on Kawasaki KX112 Q&A

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