Lectrix NDuro EMI Calculator

Updated on October 2026

The Lectrix NDuro EMI is Rs. 2,347 per month for 36 months at 9.45% on a loan of Rs. 73,323, with a down payment of Rs. 18,286. This is based on the 2.0 variant's on-road price of Rs. 91,609 in Delhi (ex-showroom Rs. 87,550). Use the bike loan calculator below to change the down payment, interest rate and tenure.

Also see: NDuro On-road price | NDuro Mileage

Lectrix NDuro EMI and Down Payment

Ex-showroom

: Rs. 87,550

On-road price

: Rs. 91,609 (Delhi)

Loan amount

: Rs. 73,323 (On-road - Down payment)

Down payment

: Rs. 18,286 (On-road - Loan amount)

Monthly EMI

: Rs. 2,347 (For Tenure of 36 months @ 9.45%; banks start from 10.05%)

Insurance

: Rs. 3,859

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Lectrix NDuro Bike Loan EMI Calculator

Variant: 2.0
On-road price (Delhi): Rs. 91,609
Down payment: Rs. 18,286
Loan amount: Rs. 73,323
Interest rate: 9.45%
Tenure: 36 months
Monthly EMI: Rs. 2,347

EMI in advance: You pay one EMI instalment in advance to the bank. This amount is deducted from the loan amount disbursed to the dealer. Thus it gets added to the down payment that you are to make.
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EMI in arrears: You don't make any advance EMI payments. The bank disburses the loan amount minus any other one time fees. ..Read More ..Read Less

Lectrix NDuro Bike Loan EMI & Loan Breakdown

Monthly EMI

Rs. 2,347

36 months @ 9.45%

Down paymentRs. 18,286
Loan amountRs. 73,323
Total interestRs. 11,169
Total loan repayment (EMIs)Rs. 84,492
Total purchase outlayRs. 1,02,778

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the 2.0 costs you over the loan; it does not include insurance renewal, fuel, maintenance or lender charges other than the processing fee.

Year	Principal paid	Interest paid	Outstanding loan
Year 1 Months 1-12	Rs. 22,179	Rs. 5,985	Rs. 51,144
Year 2 Months 13-24	Rs. 24,369	Rs. 3,795	Rs. 26,775
Year 3 Months 25-36	Rs. 26,775	Rs. 1,389	Rs. 0

Lectrix NDuro Loan Interest Rates by Bank

Lectrix NDuro loan rates, 36 months, loan Rs. 73,323
Lending Partners	Interest Rate	EMI Starting From (36 Months)
HDFC Bank	14.5% onwards	Rs. 2,524 (36 months)
ICICI Bank	10.05% onwards	Rs. 2,368 (36 months)
Axis Bank	11% onwards	Rs. 2,401 (36 months)
Bank of Baroda	13.65% onwards	Rs. 2,494 (36 months)

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Lectrix NDuro EMI by Tenure

For a Rs. 73,323 loan on the 2.0 at 9.45%.

Tenure	EMI	Total Interest	Total Payable
12 months	Rs. 6,428	Rs. 3,813	Rs. 77,136
24 months	Rs. 3,365	Rs. 7,437	Rs. 80,760
36 months	Rs. 2,347	Rs. 11,169	Rs. 84,492
48 months	Rs. 1,840	Rs. 14,997	Rs. 88,320
60 months	Rs. 1,538	Rs. 18,957	Rs. 92,280

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Lectrix NDuro

5.0 0 user reviews

Starts at ₹ 87,550

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Lectrix NDuro Variant-Wise EMI

On-road prices in Delhi. Every variant uses the same rule: the loan runs 36 months at 9.45%, and the down payment is the on-road price minus the loan.

NDuro Variants	Fuel/Transmission	Ex-showroom	On-road Price	Loan @9.45%	Down Payment	EMI (36 months)
2.0	Electric	Rs. 87,550	Rs. 91,609	Rs. 73,323	Rs. 18,286	Rs. 2,347
3.0	Electric	Rs. 99,999	Rs. 1,04,257	Rs. 84,168	Rs. 20,089	Rs. 2,694

How Is the Lectrix NDuro 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 2.0 variant: P = Rs. 73,323, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 2,347.

The calculation starts from the Delhi on-road price of Rs. 91,609 (ex-showroom Rs. 87,550 plus insurance, RTO and other charges).

Factors That Affect Your Lectrix NDuro Loan EMI

Down payment: Every Rs. 10,000 of extra down payment lowers the EMI by about Rs. 320 at 9.45% for 36 months.
Interest rate: A rate 1% higher adds about Rs. 34 to the EMI on a Rs. 73,323 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. 6,428; over 60 months it drops to Rs. 1,538 but you pay Rs. 15,144 more in interest.
Variant and city: In Delhi the EMI ranges from Rs. 2,347 (2.0) to Rs. 2,694 (3.0). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

Lectrix NDuro EMI vs Splendor Plus, Activa, Splendor Plus XTEC

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

Model	On-road Price	EMI	Tenure	Interest Rate	Compare
Hero Splendor Plus Standard	Rs. 93,372	Rs. 2,106	36 months	9.45%	Compare with NDuro
Honda Activa STD	Rs. 92,175	Rs. 2,035	36 months	9.45%	Compare with NDuro
Hero Splendor Plus XTEC Drum	Rs. 95,510	Rs. 2,204	36 months	9.45%	Compare with NDuro
Honda SP125 STD	Rs. 1,07,340	Rs. 2,429	36 months	9.45%	Compare with NDuro

Frequently Asked Questions About Lectrix NDuro EMI

What is the monthly EMI for the Lectrix NDuro?

Rs. 2,347 a month for the 2.0, on a Rs. 73,323 loan at 9.45% for 3 years. The top 3.0 works out to Rs. 2,694.

How much down payment is required for the Lectrix NDuro?

About Rs. 18,286 for the 2.0 in Delhi. That's the on-road price of Rs. 91,609 minus the Rs. 73,323 loan.

How does the loan tenure affect the Lectrix NDuro EMI?

Over 1 year the EMI is Rs. 6,428 and you pay Rs. 3,813 in interest. Stretch it to 5 years and the EMI drops to Rs. 1,538, but interest rises to Rs. 18,957.

Is the Lectrix NDuro EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the 2.0 costs Rs. 91,609 on-road, which includes Rs. 3,859 insurance and Rs. 200 RTO and other charges.

Does the Lectrix NDuro EMI calculator include the processing fee?

Yes. The Rs. 2,950 processing fee is paid with the down payment and is not added to the loan.

Which bank has the lowest interest rate for a Lectrix NDuro loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 73,323 loan comes to Rs. 2,368 a month.

Ask or read owner questions on Lectrix NDuro Q&A

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