KTM 390 Adventure EMI Calculator


Updated on November 2026
The KTM 390 Adventure EMI is Rs. 7,885 per month for 36 months at 9% on a loan of Rs. 2,47,949, with a down payment of Rs. 78,008. This is based on the STD variant's on-road price of Rs. 3,25,957 in Delhi (ex-showroom Rs. 2,89,080). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: 390 Adventure On-road price

KTM 390 Adventure EMI and Down Payment

Ex-showroom
: Rs. 2,89,080
On-road price
: Rs. 3,25,957  (Delhi)
Loan amount
: Rs. 2,47,949  (On-road price - Down payment)
Down payment
: Rs. 78,008  (Amount paid upfront)
Monthly EMI
: Rs. 7,885  (For Tenure of 36 months @ 9%; banks start from 10.05%)
Insurance
: Rs. 13,551
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KTM 390 Adventure Bike Loan EMI Calculator

Variant
STD
On-road price (Delhi)
Rs. 3,25,957
Down payment
Rs. 78,008
Loan amount
Rs. 2,47,949
Interest rate
9%
Tenure
36 months
Monthly EMI
Rs. 7,885
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 Adventure Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 7,885
36 months @ 9%
  • Down paymentRs. 78,008
  • Loan amountRs. 2,47,949
  • Total interestRs. 35,911
  • Total loan repayment (EMIs)Rs. 2,83,860
  • Total purchase outlayRs. 3,61,868

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. 75,363Rs. 19,257Rs. 1,72,586
Year 2 Months 13-24Rs. 82,433Rs. 12,187Rs. 90,153
Year 3 Months 25-36Rs. 90,153Rs. 4,467Rs. 0
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KTM 390 Adventure Loan Interest Rates by Bank

KTM 390 Adventure loan rates, 36 months, loan Rs. 2,47,949
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 8,535 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 8,006 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 8,118 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 8,432 (36 months)
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KTM 390 Adventure EMI by Tenure

For a Rs. 2,47,949 loan on the STD at 9%.

Tenure EMI Total Interest Total Payable
12 months Rs. 21,684 Rs. 12,259 Rs. 2,60,208
24 months Rs. 11,327 Rs. 23,899 Rs. 2,71,848
36 months Rs. 7,885 Rs. 35,911 Rs. 2,83,860
48 months Rs. 6,170 Rs. 48,211 Rs. 2,96,160
60 months Rs. 5,147 Rs. 60,871 Rs. 3,08,820
KTM 390 Adventure
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KTM 390 Adventure
Starts at ₹ 2,89,080
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How Is the KTM 390 Adventure 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. 2,47,949, r = (9 ÷ 12) ÷ 100 = 0.0075 and n = 36 months, which gives an EMI of Rs. 7,885.

The calculation starts from the Delhi on-road price of Rs. 3,25,957 (ex-showroom Rs. 2,89,080 plus insurance, RTO and other charges).

Factors That Affect Your KTM 390 Adventure 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. 116 to the EMI on a Rs. 2,47,949 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. 21,684; over 60 months it drops to Rs. 5,147 but you pay Rs. 48,612 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 390 Adventure EMI vs 250 Adventure, Scrambler 400 X, Dominar 400

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

ModelOn-road PriceEMITenureInterest RateCompare
KTM 250 Adventure STD Rs. 2,86,928 Rs. 6,899 36 months 9% Compare with 390 Adventure
Triumph Scrambler 400 X STD Rs. 3,00,825 Rs. 7,250 36 months 9% Compare with 390 Adventure
Bajaj Dominar 400 STD Rs. 2,40,306 Rs. 5,388 36 months 9% Compare with 390 Adventure
Royal Enfield Himalayan 450 Base Rs. 3,69,573 Rs. 8,410 36 months 9% Compare with 390 Adventure

Frequently Asked Questions About KTM 390 Adventure EMI

What is the monthly EMI for the KTM 390 Adventure?

Rs. 7,885 a month for the STD, on a Rs. 2,47,949 loan at 9% for 3 years.

How much down payment is required for the KTM 390 Adventure?

About Rs. 78,008 for the STD in Delhi. That's the on-road price of Rs. 3,25,957 minus the Rs. 2,47,949 loan.

How does the loan tenure affect the KTM 390 Adventure EMI?

Over 1 year the EMI is Rs. 21,684 and you pay Rs. 12,259 in interest. Stretch it to 5 years and the EMI drops to Rs. 5,147, but interest rises to Rs. 60,871.

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

On the on-road price. In Delhi the STD costs Rs. 3,25,957 on-road, which includes Rs. 13,551 insurance and Rs. 23,326 RTO and other charges.

Does the KTM 390 Adventure 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 Adventure loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 2,47,949 loan comes to Rs. 8,006 a month.

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