KTM 1290 Super Adventure S EMI Calculator


Updated on October 2026
The KTM 1290 Super Adventure S EMI is Rs. 62,836 per month for 36 months at 9% on a loan of Rs. 19,75,982, with a down payment of Rs. 5,31,005. This is based on the STD variant's on-road price of Rs. 25,06,987 in Delhi (ex-showroom Rs. 22,73,900). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: 1290 Super Adventure S On-road price | 1290 Super Adventure S Mileage

KTM 1290 Super Adventure S EMI and Down Payment

Ex-showroom
: Rs. 22,73,900
On-road price
: Rs. 25,06,987  (Delhi)
Loan amount
: Rs. 19,75,982  (On-road - Down payment)
Down payment
: Rs. 5,31,005  (On-road - Loan amount)
Monthly EMI
: Rs. 62,836  (For Tenure of 36 months @ 9%; banks start from 10.05%)
Insurance
: Rs. 50,975
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KTM 1290 Super Adventure S Bike Loan EMI Calculator

Variant
STD
On-road price (Delhi)
Rs. 25,06,987
Down payment
Rs. 5,31,005
Loan amount
Rs. 19,75,982
Interest rate
9%
Tenure
36 months
Monthly EMI
Rs. 62,836
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

KTM 1290 Super Adventure S Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 62,836
36 months @ 9%
  • Down paymentRs. 5,31,005
  • Loan amountRs. 19,75,982
  • Total interestRs. 2,86,114
  • Total loan repayment (EMIs)Rs. 22,62,096
  • Total purchase outlayRs. 27,93,101

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. 6,00,566Rs. 1,53,466Rs. 13,75,416
Year 2 Months 13-24Rs. 6,56,903Rs. 97,129Rs. 7,18,513
Year 3 Months 25-36Rs. 7,18,513Rs. 35,519Rs. 0
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KTM 1290 Super Adventure S Loan Interest Rates by Bank

KTM 1290 Super Adventure S loan rates, 36 months, loan Rs. 19,75,982
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 68,015 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 63,806 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 64,691 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 67,199 (36 months)
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KTM 1290 Super Adventure S EMI by Tenure

For a Rs. 19,75,982 loan on the STD at 9%.

Tenure EMI Total Interest Total Payable
12 months Rs. 1,72,803 Rs. 97,654 Rs. 20,73,636
24 months Rs. 90,272 Rs. 1,90,546 Rs. 21,66,528
36 months Rs. 62,836 Rs. 2,86,114 Rs. 22,62,096
48 months Rs. 49,172 Rs. 3,84,274 Rs. 23,60,256
60 months Rs. 41,018 Rs. 4,85,098 Rs. 24,61,080
KTM 1290 Super Adventure S
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KTM 1290 Super Adventure S
3.6 2 user reviews
Starts at ₹ 22,73,900
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How Is the KTM 1290 Super Adventure S 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. 19,75,982, r = (9 ÷ 12) ÷ 100 = 0.0075 and n = 36 months, which gives an EMI of Rs. 62,836.

The calculation starts from the Delhi on-road price of Rs. 25,06,987 (ex-showroom Rs. 22,73,900 plus insurance, RTO and other charges).

Factors That Affect Your KTM 1290 Super Adventure S 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. 923 to the EMI on a Rs. 19,75,982 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. 1,72,803; over 60 months it drops to Rs. 41,018 but you pay Rs. 3,87,444 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.

KTM 1290 Super Adventure S EMI vs Ninja ZX-10R, Rocket 3, S 1000 RR

Starting EMI of each model's base variant, worked out the same way as the KTM 1290 Super Adventure S: the down payment is the on-road price minus the loan.

ModelOn-road PriceEMITenureInterest RateCompare
Kawasaki Ninja ZX-10R STD Rs. 22,95,985 Rs. 57,435 36 months 9% Compare with 1290 Super Adventure S
Triumph Rocket 3 R Rs. 26,48,406 Rs. 66,416 36 months 9% Compare with 1290 Super Adventure S
BMW S 1000 RR STD Rs. 26,17,648 Rs. 65,637 36 months 9% Compare with 1290 Super Adventure S
Suzuki Hayabusa STD Rs. 20,98,760 Rs. 52,447 36 months 9% Compare with 1290 Super Adventure S

Frequently Asked Questions About KTM 1290 Super Adventure S EMI

What is the monthly EMI for the KTM 1290 Super Adventure S?

Rs. 62,836 a month for the STD, on a Rs. 19,75,982 loan at 9% for 3 years.

How much down payment is required for the KTM 1290 Super Adventure S?

About Rs. 5,31,005 for the STD in Delhi. That's the on-road price of Rs. 25,06,987 minus the Rs. 19,75,982 loan.

How does the loan tenure affect the KTM 1290 Super Adventure S EMI?

Over 1 year the EMI is Rs. 1,72,803 and you pay Rs. 97,654 in interest. Stretch it to 5 years and the EMI drops to Rs. 41,018, but interest rises to Rs. 4,85,098.

Is the KTM 1290 Super Adventure S EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the STD costs Rs. 25,06,987 on-road, which includes Rs. 50,975 insurance and Rs. 1,82,112 RTO and other charges.

Does the KTM 1290 Super Adventure S EMI calculator include the processing fee?

Yes. The Rs. 5,450 processing fee is paid with the down payment and is not added to the loan.

Which bank has the lowest interest rate for a KTM 1290 Super Adventure S loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 19,75,982 loan comes to Rs. 63,806 a month.

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