KTM 390 Enduro R EMI Calculator


Updated on November 2026
The KTM 390 Enduro R EMI is Rs. 9,903 per month for 36 months at 9% on a loan of Rs. 3,11,429, with a down payment of Rs. 1,05,096. This is based on the Global-Spec variant's on-road price of Rs. 4,16,525 in Delhi (ex-showroom Rs. 3,61,930). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: 390 Enduro R On-road price | 390 Enduro R Mileage

KTM 390 Enduro R EMI and Down Payment

Ex-showroom
: Rs. 3,61,930
On-road price
: Rs. 4,16,525  (Delhi)
Loan amount
: Rs. 3,11,429  (On-road price - Down payment)
Down payment
: Rs. 1,05,096  (Amount paid upfront)
Monthly EMI
: Rs. 9,903  (For Tenure of 36 months @ 9%; banks start from 10.05%)
Insurance
: Rs. 21,974
View November Offers View EMI Offers

KTM 390 Enduro R Bike Loan EMI Calculator

Variant
Global-Spec
On-road price (Delhi)
Rs. 4,16,525
Down payment
Rs. 1,05,096
Loan amount
Rs. 3,11,429
Interest rate
9%
Tenure
36 months
Monthly EMI
Rs. 9,903
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 390 Enduro R Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 9,903
36 months @ 9%
  • Down paymentRs. 1,05,096
  • Loan amountRs. 3,11,429
  • Total interestRs. 45,079
  • Total loan repayment (EMIs)Rs. 3,56,508
  • Total purchase outlayRs. 4,61,604

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the Global-Spec 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. 94,648Rs. 24,188Rs. 2,16,781
Year 2 Months 13-24Rs. 1,03,528Rs. 15,308Rs. 1,13,253
Year 3 Months 25-36Rs. 1,13,253Rs. 5,583Rs. 0
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KTM 390 Enduro R Loan Interest Rates by Bank

KTM 390 Enduro R loan rates, 36 months, loan Rs. 3,11,429
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 10,720 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 10,056 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 10,196 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 10,591 (36 months)
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KTM 390 Enduro R EMI by Tenure

For a Rs. 3,11,429 loan on the Global-Spec at 9%.

Tenure EMI Total Interest Total Payable
12 months Rs. 27,235 Rs. 15,391 Rs. 3,26,820
24 months Rs. 14,228 Rs. 30,043 Rs. 3,41,472
36 months Rs. 9,903 Rs. 45,079 Rs. 3,56,508
48 months Rs. 7,750 Rs. 60,571 Rs. 3,72,000
60 months Rs. 6,465 Rs. 76,471 Rs. 3,87,900
KTM 390 Enduro R
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KTM 390 Enduro R
Starts at ₹ 3,61,930
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KTM 390 Enduro R Variant-Wise EMI

On-road prices in Delhi. Every variant uses the same rule: the loan runs 36 months at 9%, and the down payment is the on-road price minus the loan.

390 Enduro R Variants Fuel/Transmission Ex-showroom On-road Price Loan @9% Down Payment EMI (36 months)
Global-Spec Petrol Rs. 3,61,930 Rs. 4,16,525 Rs. 3,11,429 Rs. 1,05,096 Rs. 9,903
STD Petrol Rs. 3,63,546 Rs. 4,15,965 Rs. 3,12,836 Rs. 1,03,129 Rs. 9,948

How Is the KTM 390 Enduro R 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 Global-Spec variant: P = Rs. 3,11,429, r = (9 ÷ 12) ÷ 100 = 0.0075 and n = 36 months, which gives an EMI of Rs. 9,903.

The calculation starts from the Delhi on-road price of Rs. 4,16,525 (ex-showroom Rs. 3,61,930 plus insurance, RTO and other charges).

Factors That Affect Your KTM 390 Enduro R 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. 146 to the EMI on a Rs. 3,11,429 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. 27,235; over 60 months it drops to Rs. 6,465 but you pay Rs. 61,080 more in interest.
  • Variant and city: In Delhi the EMI ranges from Rs. 9,903 (Global-Spec) to Rs. 9,948 (STD). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

KTM 390 Enduro R EMI vs Continental GT 650, 390 Duke, Himalayan 450

Starting EMI of each model's base variant, worked out the same way as the KTM 390 Enduro R: the down payment is the on-road price minus the loan.

ModelOn-road PriceEMITenureInterest RateCompare
Royal Enfield Continental GT 650 Base Rs. 4,24,254 Rs. 9,806 36 months 9% Compare with 390 Enduro R
KTM 390 Duke STD Rs. 3,21,885 Rs. 7,782 36 months 9% Compare with 390 Enduro R
Royal Enfield Himalayan 450 Base Rs. 3,69,573 Rs. 8,410 36 months 9% Compare with 390 Enduro R
Royal Enfield Super Meteor 650 Astral Rs. 4,76,056 Rs. 11,108 36 months 9% Compare with 390 Enduro R

Frequently Asked Questions About KTM 390 Enduro R EMI

What is the monthly EMI for the KTM 390 Enduro R?

Rs. 9,903 a month for the Global-Spec, on a Rs. 3,11,429 loan at 9% for 3 years. The top STD works out to Rs. 9,948.

How much down payment is required for the KTM 390 Enduro R?

About Rs. 1,05,096 for the Global-Spec in Delhi. That's the on-road price of Rs. 4,16,525 minus the Rs. 3,11,429 loan.

How does the loan tenure affect the KTM 390 Enduro R EMI?

Over 1 year the EMI is Rs. 27,235 and you pay Rs. 15,391 in interest. Stretch it to 5 years and the EMI drops to Rs. 6,465, but interest rises to Rs. 76,471.

Is the KTM 390 Enduro R EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the Global-Spec costs Rs. 4,16,525 on-road, which includes Rs. 21,974 insurance and Rs. 32,621 RTO and other charges.

Does the KTM 390 Enduro R EMI calculator include the processing fee?

Yes. The Rs. 3,950 processing fee is paid with the down payment and is not added to the loan.

Which bank has the lowest interest rate for a KTM 390 Enduro R loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 3,11,429 loan comes to Rs. 10,056 a month.

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