KTM 85 SX EMI Calculator


Updated on October 2026
The KTM 85 SX EMI is Rs. 18,390 per month for 36 months at 9% on a loan of Rs. 5,78,303, with a down payment of Rs. 1,61,710. This is based on the STD variant's on-road price of Rs. 7,40,013 in Delhi (ex-showroom Rs. 6,69,000). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: 85 SX On-road price

KTM 85 SX EMI and Down Payment

Ex-showroom
: Rs. 6,69,000
On-road price
: Rs. 7,40,013  (Delhi)
Loan amount
: Rs. 5,78,303  (On-road price - Down payment)
Down payment
: Rs. 1,61,710  (Amount paid upfront)
Monthly EMI
: Rs. 18,390  (For Tenure of 36 months @ 9%; banks start from 10.05%)
Insurance
: Rs. 17,293
View October Offers View EMI Offers

KTM 85 SX Bike Loan EMI Calculator

Variant
STD
On-road price (Delhi)
Rs. 7,40,013
Down payment
Rs. 1,61,710
Loan amount
Rs. 5,78,303
Interest rate
9%
Tenure
36 months
Monthly EMI
Rs. 18,390
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 85 SX Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 18,390
36 months @ 9%
  • Down paymentRs. 1,61,710
  • Loan amountRs. 5,78,303
  • Total interestRs. 83,737
  • Total loan repayment (EMIs)Rs. 6,62,040
  • Total purchase outlayRs. 8,23,750

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. 1,75,766Rs. 44,914Rs. 4,02,537
Year 2 Months 13-24Rs. 1,92,253Rs. 28,427Rs. 2,10,284
Year 3 Months 25-36Rs. 2,10,284Rs. 10,396Rs. 0
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KTM 85 SX Loan Interest Rates by Bank

KTM 85 SX loan rates, 36 months, loan Rs. 5,78,303
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 19,906 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 18,674 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 18,933 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 19,667 (36 months)
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KTM 85 SX EMI by Tenure

For a Rs. 5,78,303 loan on the STD at 9%.

Tenure EMI Total Interest Total Payable
12 months Rs. 50,573 Rs. 28,573 Rs. 6,06,876
24 months Rs. 26,420 Rs. 55,777 Rs. 6,34,080
36 months Rs. 18,390 Rs. 83,737 Rs. 6,62,040
48 months Rs. 14,391 Rs. 1,12,465 Rs. 6,90,768
60 months Rs. 12,005 Rs. 1,41,997 Rs. 7,20,300
KTM 85 SX
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KTM 85 SX
Starts at ₹ 6,69,000
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How Is the KTM 85 SX 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. 5,78,303, r = (9 ÷ 12) ÷ 100 = 0.0075 and n = 36 months, which gives an EMI of Rs. 18,390.

The calculation starts from the Delhi on-road price of Rs. 7,40,013 (ex-showroom Rs. 6,69,000 plus insurance, RTO and other charges).

Factors That Affect Your KTM 85 SX 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. 270 to the EMI on a Rs. 5,78,303 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. 50,573; over 60 months it drops to Rs. 12,005 but you pay Rs. 1,13,424 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 85 SX EMI vs Ninja 650, TRK 552, Z650

Starting EMI of each model's base variant, worked out the same way as the KTM 85 SX: the down payment is the on-road price minus the loan.

ModelOn-road PriceEMITenureInterest RateCompare
Kawasaki Ninja 650 (2025) Rs. 8,69,392 Rs. 21,383 36 months 9% Compare with 85 SX
Benelli TRK 552 STD Rs. 8,08,319 Rs. 19,859 36 months 9% Compare with 85 SX
Kawasaki Z650 STD Rs. 8,13,511 Rs. 19,969 36 months 9% Compare with 85 SX
Kawasaki Ninja 500 (2025) Rs. 6,38,200 Rs. 15,536 36 months 9% Compare with 85 SX

Frequently Asked Questions About KTM 85 SX EMI

What is the monthly EMI for the KTM 85 SX?

Rs. 18,390 a month for the STD, on a Rs. 5,78,303 loan at 9% for 3 years.

How much down payment is required for the KTM 85 SX?

About Rs. 1,61,710 for the STD in Delhi. That's the on-road price of Rs. 7,40,013 minus the Rs. 5,78,303 loan.

How does the loan tenure affect the KTM 85 SX EMI?

Over 1 year the EMI is Rs. 50,573 and you pay Rs. 28,573 in interest. Stretch it to 5 years and the EMI drops to Rs. 12,005, but interest rises to Rs. 1,41,997.

Is the KTM 85 SX EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the STD costs Rs. 7,40,013 on-road, which includes Rs. 17,293 insurance and Rs. 53,720 RTO and other charges.

Does the KTM 85 SX EMI calculator include the processing fee?

Yes. The Rs. 4,650 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 85 SX loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 5,78,303 loan comes to Rs. 18,674 a month.

Ask or read owner questions on KTM 85 SX Q&A

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