Komaki SE EMI Calculator

Updated on October 2026

The Komaki SE EMI is Rs. 1,621 per month for 36 months at 9.45% on a loan of Rs. 50,627, with a down payment of Rs. 15,422. This is based on the X4 variant's on-road price of Rs. 66,049 in Delhi (ex-showroom Rs. 61,499). Use the bike loan calculator below to change the down payment, interest rate and tenure.

Also see: SE On-road price | SE Mileage

Komaki SE EMI and Down Payment

Ex-showroom

: Rs. 61,499

On-road price

: Rs. 66,049 (Delhi)

Loan amount

: Rs. 50,627 (On-road price - Down payment)

Down payment

: Rs. 15,422 (Amount paid upfront)

Monthly EMI

: Rs. 1,621 (For Tenure of 36 months @ 9.45%; banks start from 10.05%)

Insurance

: Rs. 4,350

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Komaki SE Bike Loan EMI Calculator

Variant: X4
On-road price (Delhi): Rs. 66,049
Down payment: Rs. 15,422
Loan amount: Rs. 50,627
Interest rate: 9.45%
Tenure: 36 months
Monthly EMI: Rs. 1,621

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

Komaki SE Bike Loan EMI & Loan Breakdown

Monthly EMI

Rs. 1,621

36 months @ 9.45%

Down paymentRs. 15,422
Loan amountRs. 50,627
Total interestRs. 7,729
Total loan repayment (EMIs)Rs. 58,356
Total purchase outlayRs. 73,778

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the X4 costs you over the loan; it does not include insurance renewal, fuel, maintenance or lender charges other than the processing fee.

Year	Principal paid	Interest paid	Outstanding loan
Year 1 Months 1-12	Rs. 15,320	Rs. 4,132	Rs. 35,307
Year 2 Months 13-24	Rs. 16,832	Rs. 2,620	Rs. 18,475
Year 3 Months 25-36	Rs. 18,475	Rs. 977	Rs. 0

Komaki SE Loan Interest Rates by Bank

Komaki SE loan rates, 36 months, loan Rs. 50,627
Lending Partners	Interest Rate	EMI Starting From (36 Months)
HDFC Bank	14.5% onwards	Rs. 1,743 (36 months)
ICICI Bank	10.05% onwards	Rs. 1,635 (36 months)
Axis Bank	11% onwards	Rs. 1,657 (36 months)
Bank of Baroda	13.65% onwards	Rs. 1,722 (36 months)

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Komaki SE EMI by Tenure

For a Rs. 50,627 loan on the X4 at 9.45%.

Tenure	EMI	Total Interest	Total Payable
12 months	Rs. 4,438	Rs. 2,629	Rs. 53,256
24 months	Rs. 2,323	Rs. 5,125	Rs. 55,752
36 months	Rs. 1,621	Rs. 7,729	Rs. 58,356
48 months	Rs. 1,271	Rs. 10,381	Rs. 61,008
60 months	Rs. 1,062	Rs. 13,093	Rs. 63,720

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Komaki SE

4.7 25 user reviews

Starts at ₹ 61,499

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Komaki SE Variant-Wise EMI

On-road prices in Delhi. Every variant uses the same rule: the loan runs 36 months at 9.45%, and the down payment is the on-road price minus the loan.

SE Variants	Fuel/Transmission	Ex-showroom	On-road Price	Loan @9.45%	Down Payment	EMI (36 months)
X4	Electric	Rs. 61,499	Rs. 66,049	Rs. 50,627	Rs. 15,422	Rs. 1,621
LI	Electric	Rs. 71,499	Rs. 76,224	Rs. 59,339	Rs. 16,885	Rs. 1,899
PRO	Electric	Rs. 91,499	Rs. 96,574	Rs. 76,763	Rs. 19,811	Rs. 2,457
Ultra	Electric	Rs. 1,11,499	Rs. 1,16,925	Rs. 94,187	Rs. 22,738	Rs. 3,015

How Is the Komaki SE 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 X4 variant: P = Rs. 50,627, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 1,621.

The calculation starts from the Delhi on-road price of Rs. 66,049 (ex-showroom Rs. 61,499 plus insurance, RTO and other charges).

Factors That Affect Your Komaki SE 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. 23 to the EMI on a Rs. 50,627 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. 4,438; over 60 months it drops to Rs. 1,062 but you pay Rs. 10,464 more in interest.
Variant and city: In Delhi the EMI ranges from Rs. 1,621 (X4) to Rs. 3,015 (Ultra). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

Komaki SE EMI vs HF Deluxe, Radeon, Pleasure Plus

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

Model	On-road Price	EMI	Tenure	Interest Rate	Compare
Hero HF Deluxe All Black OBD2B	Rs. 70,955	Rs. 1,564	36 months	9.45%	Compare with SE
TVS Radeon All Black Edition	Rs. 69,433	Rs. 1,577	36 months	9.45%	Compare with SE
Hero Pleasure Plus LX	Rs. 85,177	Rs. 1,851	36 months	9.45%	Compare with SE
Hero HF Deluxe Pro STD	Rs. 84,719	Rs. 1,931	36 months	9.45%	Compare with SE

Frequently Asked Questions About Komaki SE EMI

What is the monthly EMI for the Komaki SE?

Rs. 1,621 a month for the X4, on a Rs. 50,627 loan at 9.45% for 3 years. The top Ultra works out to Rs. 3,015.

How much down payment is required for the Komaki SE?

About Rs. 15,422 for the X4 in Delhi. That's the on-road price of Rs. 66,049 minus the Rs. 50,627 loan.

How does the loan tenure affect the Komaki SE EMI?

Over 1 year the EMI is Rs. 4,438 and you pay Rs. 2,629 in interest. Stretch it to 5 years and the EMI drops to Rs. 1,062, but interest rises to Rs. 13,093.