Kawasaki Z650RS EMI Calculator

Updated on October 2026

The Kawasaki Z650RS EMI is Rs. 21,161 per month for 36 months at 9% on a loan of Rs. 6,65,441, with a down payment of Rs. 2,94,293. This is based on the (2025) variant's on-road price of Rs. 9,59,734 in Aluva (ex-showroom Rs. 7,69,000). Use the bike loan calculator below to change the down payment, interest rate and tenure.

Also see: Z650RS On-road price | Z650RS Mileage

Kawasaki Z650RS EMI and Down Payment (Aluva)

Ex-showroom

: Rs. 7,69,000

On-road price

: Rs. 9,59,734 (Aluva)

Loan amount

: Rs. 6,65,441 (On-road - Down payment)

Down payment

: Rs. 2,94,293 (On-road - Loan amount)

Monthly EMI

: Rs. 21,161 (For Tenure of 36 months @ 9%; banks start from 10.05%)

Insurance

: Rs. 29,044

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Kawasaki Z650RS Bike Loan EMI Calculator

On-road price (Aluva): Rs. 9,59,734
Down payment: Rs. 2,94,293
Loan amount: Rs. 6,65,441
Interest rate: 9%
Tenure: 36 months
Monthly EMI: Rs. 21,161
Total interest: Rs. 96,355
Total payable: Rs. 7,61,796

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

Kawasaki Z650RS Loan Interest Rates by Bank

Kawasaki Z650RS loan rates, 36 months, loan Rs. 6,65,441
Lending Partners	Interest Rate	EMI Starting From (36 Months)
HDFC Bank	14.5% onwards	Rs. 22,905 (36 months)
ICICI Bank	10.05% onwards	Rs. 21,488 (36 months)
Axis Bank	11% onwards	Rs. 21,786 (36 months)
Bank of Baroda	13.65% onwards	Rs. 22,630 (36 months)

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Kawasaki Z650RS EMI by Tenure

For a Rs. 6,65,441 loan on the (2025) petrol at 9%.

Tenure	EMI	Total Interest	Total Payable
12 months	Rs. 58,194	Rs. 32,887	Rs. 6,98,328
24 months	Rs. 30,401	Rs. 64,183	Rs. 7,29,624
36 months	Rs. 21,161	Rs. 96,355	Rs. 7,61,796
48 months	Rs. 16,560	Rs. 1,29,439	Rs. 7,94,880
60 months	Rs. 13,813	Rs. 1,63,339	Rs. 8,28,780

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Kawasaki Z650RS

4.9 8 user reviews

Starts at ₹ 7,69,000

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Kawasaki Z650RS Variant-wise EMI & Down Payment

Z650RS Variants	Fuel/Transmission	Ex-showroom	Loan @9%	Down Payment	EMI (36 months)
(2025)	Petrol / Manual	Rs. 7,69,000	Rs. 6,65,441	Rs. 2,94,293	Rs. 21,161
(2026)	Petrol	Rs. 7,83,000	Rs. 6,77,641	Rs. 2,99,237	Rs. 21,549
(2027)	Petrol	Rs. 7,83,000	Rs. 6,77,641	Rs. 2,99,237	Rs. 21,549

Kawasaki Z650RS EMI vs Ninja 650, Z650, TRK 502

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Kawasaki Z650RS EMI FAQs

What is the EMI for the Kawasaki Z650RS?

Rs. 21,161 per month for the (2025) variant (loan Rs. 6,65,441, 9%, 36 months). Over 60 months it is Rs. 13,813.

What is the down payment for the Kawasaki Z650RS?

Rs. 2,94,293 for (2025), Rs. 2,99,237 for (2026) and Rs. 2,99,237 for (2027) in ZigWheels' default calculation.

What is the EMI for the Kawasaki Z650RS (2026) variant?

Rs. 21,549 per month on a loan of Rs. 6,77,641 at 9% for 36 months.

Which bank has the lowest rate for a Kawasaki Z650RS loan?

Of the listed partners, ICICI Bank starts at 10.05% (EMI Rs. 21,488 for 36 months). Axis Bank 11%, Bank of Baroda 13.65%, HDFC Bank 14.5%.

How much total interest will I pay on a Kawasaki Z650RS loan?

Rs. 96,355 over 36 months on the (2025) loan at 9%.

What on-road price is the Kawasaki Z650RS EMI based on?

Rs. 9,59,734 in Aluva: ex-showroom Rs. 7,69,000, insurance Rs. 29,044, RTO and other charges Rs. 1,61,690.

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.

Ask or read owner questions on Kawasaki Z650RS Q&A

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