Komaki XR1 EMI Calculator

Updated on November 2026

The Komaki XR1 EMI is Rs. 896 per month for 36 months at 9.45% on a loan of Rs. 27,976, with a down payment of Rs. 12,173. This is based on the STD variant's on-road price of Rs. 40,149 in Bilaspur (ex-showroom Rs. 35,499). Use the bike loan calculator below to change the down payment, interest rate and tenure.

Also see: XR1 On-road price | XR1 Mileage

Komaki XR1 EMI and Down Payment

Ex-showroom

: Rs. 35,499

On-road price

: Rs. 40,149 (Bilaspur)

Loan amount

: Rs. 27,976 (On-road price - Down payment)

Down payment

: Rs. 12,173 (Amount paid upfront)

Monthly EMI

: Rs. 896 (For Tenure of 36 months @ 9.45%; banks start from 10.05%)

Insurance

: Rs. 3,031

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Komaki XR1 Bike Loan EMI Calculator

Variant: STD
On-road price (Bilaspur): Rs. 40,149
Down payment: Rs. 12,173
Loan amount: Rs. 27,976
Interest rate: 9.45%
Tenure: 36 months
Monthly EMI: Rs. 896

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 XR1 Bike Loan EMI & Loan Breakdown

Monthly EMI

Rs. 896

36 months @ 9.45%

Down paymentRs. 12,173
Loan amountRs. 27,976
Total interestRs. 4,280
Total loan repayment (EMIs)Rs. 32,256
Total purchase outlayRs. 44,429

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.

Year	Principal paid	Interest paid	Outstanding loan
Year 1 Months 1-12	Rs. 8,469	Rs. 2,283	Rs. 19,507
Year 2 Months 13-24	Rs. 9,305	Rs. 1,447	Rs. 10,202
Year 3 Months 25-36	Rs. 10,202	Rs. 550	Rs. 0

Komaki XR1 Loan Interest Rates by Bank

Komaki XR1 loan rates, 36 months, loan Rs. 27,976
Lending Partners	Interest Rate	EMI Starting From (36 Months)
HDFC Bank	14.5% onwards	Rs. 963 (36 months)
ICICI Bank	10.05% onwards	Rs. 903 (36 months)
Axis Bank	11% onwards	Rs. 916 (36 months)
Bank of Baroda	13.65% onwards	Rs. 951 (36 months)

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Komaki XR1 EMI by Tenure

For a Rs. 27,976 loan on the STD at 9.45%.

Tenure	EMI	Total Interest	Total Payable
12 months	Rs. 2,452	Rs. 1,448	Rs. 29,424
24 months	Rs. 1,284	Rs. 2,840	Rs. 30,816
36 months	Rs. 896	Rs. 4,280	Rs. 32,256
48 months	Rs. 702	Rs. 5,720	Rs. 33,696
60 months	Rs. 587	Rs. 7,244	Rs. 35,220

Colours

Komaki XR1

Starts at ₹ 35,499

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How Is the Komaki XR1 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. 27,976, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 896.

The calculation starts from the Bilaspur on-road price of Rs. 40,149 (ex-showroom Rs. 35,499 plus insurance, RTO and other charges).

Factors That Affect Your Komaki XR1 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. 13 to the EMI on a Rs. 27,976 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. 2,452; over 60 months it drops to Rs. 587 but you pay Rs. 5,796 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.

Komaki XR1 EMI vs X One, Rubie, Neu

Starting EMI of each model's base variant, worked out the same way as the Komaki XR1: the down payment is the on-road price minus the loan.

Model	On-road Price	EMI	Tenure	Interest Rate	Compare
Komaki X One Graphene	Rs. 44,900	Rs. 1,021	36 months	9.45%	Compare with XR1
Yakuza Electric Rubie 48V	Rs. 45,239	Rs. 1,030	36 months	9.45%	Compare with XR1
Yakuza Electric Neu 48V	Rs. 47,014	Rs. 1,077	36 months	9.45%	Compare with XR1
Yakuza Electric Duster STD	Rs. 43,466	Rs. 983	36 months	9.45%	Compare with XR1

Frequently Asked Questions About Komaki XR1 EMI

What is the monthly EMI for the Komaki XR1?

Rs. 896 a month for the STD, on a Rs. 27,976 loan at 9.45% for 3 years.

How much down payment is required for the Komaki XR1?

About Rs. 12,173 for the STD in Bilaspur. That's the on-road price of Rs. 40,149 minus the Rs. 27,976 loan.

How does the loan tenure affect the Komaki XR1 EMI?

Over 1 year the EMI is Rs. 2,452 and you pay Rs. 1,448 in interest. Stretch it to 5 years and the EMI drops to Rs. 587, but interest rises to Rs. 7,244.