Komaki X One EMI Calculator


Updated on November 2026
The Komaki X One EMI is Rs. 1,021 per month for 36 months at 9.45% on a loan of Rs. 31,897, with a down payment of Rs. 11,803. This is based on the Graphene variant's on-road price of Rs. 43,700 in Vapi (ex-showroom Rs. 39,999). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: X One On-road price | X One Mileage

Komaki X One EMI and Down Payment

Ex-showroom
: Rs. 39,999
On-road price
: Rs. 43,700  (Vapi)
Loan amount
: Rs. 31,897  (On-road price - Down payment)
Down payment
: Rs. 11,803  (Amount paid upfront)
Monthly EMI
: Rs. 1,021  (For Tenure of 36 months @ 9.45%; banks start from 10.05%)
Insurance
: Rs. 3,102
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Komaki X One Bike Loan EMI Calculator

Variant
Graphene
On-road price (Vapi)
Rs. 43,700
Down payment
Rs. 11,803
Loan amount
Rs. 31,897
Interest rate
9.45%
Tenure
36 months
Monthly EMI
Rs. 1,021
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

Komaki X One Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 1,021
36 months @ 9.45%
  • Down paymentRs. 11,803
  • Loan amountRs. 31,897
  • Total interestRs. 4,859
  • Total loan repayment (EMIs)Rs. 36,756
  • Total purchase outlayRs. 48,559

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the Graphene 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. 9,649Rs. 2,603Rs. 22,248
Year 2 Months 13-24Rs. 10,600Rs. 1,652Rs. 11,648
Year 3 Months 25-36Rs. 11,648Rs. 604Rs. 0
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Komaki X One Loan Interest Rates by Bank

Komaki X One loan rates, 36 months, loan Rs. 31,897
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 1,098 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 1,030 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 1,044 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 1,085 (36 months)
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Komaki X One EMI by Tenure

For a Rs. 31,897 loan on the Graphene at 9.45%.

Tenure EMI Total Interest Total Payable
12 months Rs. 2,796 Rs. 1,655 Rs. 33,552
24 months Rs. 1,464 Rs. 3,239 Rs. 35,136
36 months Rs. 1,021 Rs. 4,859 Rs. 36,756
48 months Rs. 801 Rs. 6,551 Rs. 38,448
60 months Rs. 669 Rs. 8,243 Rs. 40,140
Komaki X One
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Komaki X One
4.0 61 user reviews
Starts at ₹ 39,999
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Komaki X One Variant-Wise EMI

On-road prices in Vapi. 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.

X One Variants Fuel/Transmission Ex-showroom On-road Price Loan @9.45% Down Payment EMI (36 months)
Graphene Electric Rs. 39,999 Rs. 43,700 Rs. 31,897 Rs. 11,803 Rs. 1,021
Lithium Ion - 1.5 kWh Electric Rs. 45,999 Rs. 49,856 Rs. 37,124 Rs. 12,732 Rs. 1,188
Lithium Ion - 1.75 kWh Electric Rs. 53,999 Rs. 58,956 Rs. 44,093 Rs. 14,863 Rs. 1,411
Prime Electric Rs. 55,999 Rs. 60,115 Rs. 45,836 Rs. 14,279 Rs. 1,467
Ace Electric Rs. 63,699 Rs. 68,015 Rs. 52,544 Rs. 15,471 Rs. 1,682

How Is the Komaki X One 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 Graphene variant: P = Rs. 31,897, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 1,021.

The calculation starts from the Vapi on-road price of Rs. 43,700 (ex-showroom Rs. 39,999 plus insurance, RTO and other charges).

Factors That Affect Your Komaki X One 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. 15 to the EMI on a Rs. 31,897 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. 2,796; over 60 months it drops to Rs. 669 but you pay Rs. 6,588 more in interest.
  • Variant and city: In Vapi the EMI ranges from Rs. 1,021 (Graphene) to Rs. 1,682 (Ace). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

Komaki X One EMI vs Rush, Rubie, X3

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

ModelOn-road PriceEMITenureInterest RateCompare
Yakuza Electric Rush 60V Rs. 65,452 Rs. 1,612 36 months 9.45% Compare with X One
Yakuza Electric Rubie 48V Rs. 44,030 Rs. 1,030 36 months 9.45% Compare with X One
Komaki X3 STD Rs. 62,039 Rs. 1,495 36 months 9.45% Compare with X One
Ampere Reo Vyb Rs. 76,530 Rs. 1,913 36 months 9.45% Compare with X One

Frequently Asked Questions About Komaki X One EMI

What is the monthly EMI for the Komaki X One?

Rs. 1,021 a month for the Graphene, on a Rs. 31,897 loan at 9.45% for 3 years. The top Ace works out to Rs. 1,682.

How much down payment is required for the Komaki X One?

About Rs. 11,803 for the Graphene in Vapi. That's the on-road price of Rs. 43,700 minus the Rs. 31,897 loan.

How does the loan tenure affect the Komaki X One EMI?

Over 1 year the EMI is Rs. 2,796 and you pay Rs. 1,655 in interest. Stretch it to 5 years and the EMI drops to Rs. 669, but interest rises to Rs. 8,243.

Is the Komaki X One EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Vapi the Graphene costs Rs. 43,700 on-road, which includes Rs. 3,102 insurance and Rs. 599 RTO and other charges.

Does the Komaki X One 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 Komaki X One loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 31,897 loan comes to Rs. 1,030 a month.

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