KTM 890 Duke EMI Calculator


Updated on November 2026
The KTM 890 Duke EMI is Rs. 40,006 per month for 36 months at 9% on a loan of Rs. 12,58,051, with a down payment of Rs. 3,47,117. This is based on the R variant's on-road price of Rs. 16,05,168 in Delhi (ex-showroom Rs. 14,50,000). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: 890 Duke On-road price | 890 Duke Mileage

KTM 890 Duke EMI and Down Payment

Ex-showroom
: Rs. 14,50,000
On-road price
: Rs. 16,05,168  (Delhi)
Loan amount
: Rs. 12,58,051  (On-road price - Down payment)
Down payment
: Rs. 3,47,117  (Amount paid upfront)
Monthly EMI
: Rs. 40,006  (For Tenure of 36 months @ 9%; banks start from 10.05%)
Insurance
: Rs. 38,968
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KTM 890 Duke Bike Loan EMI Calculator

Variant
R
On-road price (Delhi)
Rs. 16,05,168
Down payment
Rs. 3,47,117
Loan amount
Rs. 12,58,051
Interest rate
9%
Tenure
36 months
Monthly EMI
Rs. 40,006
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 890 Duke Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 40,006
36 months @ 9%
  • Down paymentRs. 3,47,117
  • Loan amountRs. 12,58,051
  • Total interestRs. 1,82,165
  • Total loan repayment (EMIs)Rs. 14,40,216
  • Total purchase outlayRs. 17,87,333

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the R 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. 3,82,365Rs. 97,707Rs. 8,75,686
Year 2 Months 13-24Rs. 4,18,233Rs. 61,839Rs. 4,57,453
Year 3 Months 25-36Rs. 4,57,453Rs. 22,619Rs. 0
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KTM 890 Duke Loan Interest Rates by Bank

KTM 890 Duke loan rates, 36 months, loan Rs. 12,58,051
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 43,303 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 40,623 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 41,187 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 42,784 (36 months)
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KTM 890 Duke EMI by Tenure

For a Rs. 12,58,051 loan on the R at 9%.

Tenure EMI Total Interest Total Payable
12 months Rs. 1,10,018 Rs. 62,165 Rs. 13,20,216
24 months Rs. 57,474 Rs. 1,21,325 Rs. 13,79,376
36 months Rs. 40,006 Rs. 1,82,165 Rs. 14,40,216
48 months Rs. 31,307 Rs. 2,44,685 Rs. 15,02,736
60 months Rs. 26,115 Rs. 3,08,849 Rs. 15,66,900
KTM 890 Duke
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KTM 890 Duke
5.0 5 user reviews
Starts at ₹ 14,50,000
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How Is the KTM 890 Duke 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 R variant: P = Rs. 12,58,051, r = (9 ÷ 12) ÷ 100 = 0.0075 and n = 36 months, which gives an EMI of Rs. 40,006.

The calculation starts from the Delhi on-road price of Rs. 16,05,168 (ex-showroom Rs. 14,50,000 plus insurance, RTO and other charges).

Factors That Affect Your KTM 890 Duke 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. 588 to the EMI on a Rs. 12,58,051 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. 1,10,018; over 60 months it drops to Rs. 26,115 but you pay Rs. 2,46,684 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 890 Duke EMI vs Ninja ZX-6R, Bonneville T120, Bonneville Bobber

Starting EMI of each model's base variant, worked out the same way as the KTM 890 Duke: the down payment is the on-road price minus the loan.

ModelOn-road PriceEMITenureInterest RateCompare
Kawasaki Ninja ZX-6R STD Rs. 13,86,559 Rs. 34,436 36 months 9% Compare with 890 Duke
Triumph Bonneville T120 STD Rs. 13,50,133 Rs. 33,549 36 months 9% Compare with 890 Duke
Triumph Bonneville Bobber STD Rs. 14,27,300 Rs. 35,503 36 months 9% Compare with 890 Duke
Indian Scout Bobber STD Rs. 15,50,913 Rs. 38,593 36 months 9% Compare with 890 Duke

Frequently Asked Questions About KTM 890 Duke EMI

What is the monthly EMI for the KTM 890 Duke?

Rs. 40,006 a month for the R, on a Rs. 12,58,051 loan at 9% for 3 years.

How much down payment is required for the KTM 890 Duke?

About Rs. 3,47,117 for the R in Delhi. That's the on-road price of Rs. 16,05,168 minus the Rs. 12,58,051 loan.

How does the loan tenure affect the KTM 890 Duke EMI?

Over 1 year the EMI is Rs. 1,10,018 and you pay Rs. 62,165 in interest. Stretch it to 5 years and the EMI drops to Rs. 26,115, but interest rises to Rs. 3,08,849.

Is the KTM 890 Duke EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the R costs Rs. 16,05,168 on-road, which includes Rs. 38,968 insurance and Rs. 1,16,200 RTO and other charges.

Does the KTM 890 Duke 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 890 Duke loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 12,58,051 loan comes to Rs. 40,623 a month.

Ask or read owner questions on KTM 890 Duke Q&A

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