Motovolt Hum EMI Calculator


Updated on November 2026
The Motovolt Hum EMI is Rs. 893 per month for 36 months at 9.45% on a loan of Rs. 27,889, with a down payment of Rs. 10,739. This is based on the Standard - Normal Range variant's on-road price of Rs. 38,628 in Dadri (ex-showroom Rs. 35,399). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: Hum On-road price | Hum Mileage

Motovolt Hum EMI and Down Payment

Ex-showroom
: Rs. 35,399
On-road price
: Rs. 38,628  (Dadri)
Loan amount
: Rs. 27,889  (On-road price - Down payment)
Down payment
: Rs. 10,739  (Amount paid upfront)
Monthly EMI
: Rs. 893  (For Tenure of 36 months @ 9.45%; banks start from 10.05%)
Insurance
: Rs. 3,029
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Motovolt Hum Bike Loan EMI Calculator

Variant
Standard - Normal Range
On-road price (Dadri)
Rs. 38,628
Down payment
Rs. 10,739
Loan amount
Rs. 27,889
Interest rate
9.45%
Tenure
36 months
Monthly EMI
Rs. 893
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

Motovolt Hum Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 893
36 months @ 9.45%
  • Down paymentRs. 10,739
  • Loan amountRs. 27,889
  • Total interestRs. 4,259
  • Total loan repayment (EMIs)Rs. 32,148
  • Total purchase outlayRs. 42,887

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the Standard - Normal Range 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. 8,440Rs. 2,276Rs. 19,449
Year 2 Months 13-24Rs. 9,273Rs. 1,443Rs. 10,176
Year 3 Months 25-36Rs. 10,176Rs. 540Rs. 0
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Motovolt Hum Loan Interest Rates by Bank

Motovolt Hum loan rates, 36 months, loan Rs. 27,889
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 960 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 901 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 913 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 948 (36 months)
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Motovolt Hum EMI by Tenure

For a Rs. 27,889 loan on the Standard - Normal Range at 9.45%.

Tenure EMI Total Interest Total Payable
12 months Rs. 2,445 Rs. 1,451 Rs. 29,340
24 months Rs. 1,280 Rs. 2,831 Rs. 30,720
36 months Rs. 893 Rs. 4,259 Rs. 32,148
48 months Rs. 700 Rs. 5,711 Rs. 33,600
60 months Rs. 585 Rs. 7,211 Rs. 35,100
Motovolt Hum
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Motovolt Hum
3.2 10 user reviews
Starts at ₹ 35,399
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Motovolt Hum Variant-Wise EMI

On-road prices in Dadri. 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.

Hum Variants Fuel/Transmission Ex-showroom On-road Price Loan @9.45% Down Payment EMI (36 months)
Standard - Normal Range Electric Rs. 35,399 Rs. 38,628 Rs. 27,889 Rs. 10,739 Rs. 893
Standard - Mid Range Electric Rs. 38,299 Rs. 41,574 Rs. 30,416 Rs. 11,158 Rs. 974
Smart Plus - Normal Range Electric Rs. 41,869 Rs. 45,201 Rs. 33,526 Rs. 11,675 Rs. 1,073
Standard - Long Range Fast Charge Electric Rs. 44,413 Rs. 47,786 Rs. 35,743 Rs. 12,043 Rs. 1,144
Standard - Long Range Electric Rs. 44,413 Rs. 47,786 Rs. 35,743 Rs. 12,043 Rs. 1,144
Smart Plus - Mid Range Electric Rs. 45,155 Rs. 48,539 Rs. 36,388 Rs. 12,151 Rs. 1,165
Smart Plus - Long Range Electric Rs. 48,699 Rs. 52,140 Rs. 39,476 Rs. 12,664 Rs. 1,264
Smart Plus - Long Range Fast Charge Electric Rs. 49,699 Rs. 53,156 Rs. 40,347 Rs. 12,809 Rs. 1,291

How Is the Motovolt Hum 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 Standard - Normal Range variant: P = Rs. 27,889, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 893.

The calculation starts from the Dadri on-road price of Rs. 38,628 (ex-showroom Rs. 35,399 plus insurance, RTO and other charges).

Factors That Affect Your Motovolt Hum 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. 13 to the EMI on a Rs. 27,889 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. 2,445; over 60 months it drops to Rs. 585 but you pay Rs. 5,760 more in interest.
  • Variant and city: In Dadri the EMI ranges from Rs. 893 (Standard - Normal Range) to Rs. 1,291 (Smart Plus - Long Range Fast Charge). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

Motovolt Hum EMI vs Rubie, X One, Neu

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

ModelOn-road PriceEMITenureInterest RateCompare
Yakuza Electric Rubie 48V Rs. 43,627 Rs. 1,030 36 months 9.45% Compare with Hum
Komaki X One Graphene Rs. 43,301 Rs. 1,021 36 months 9.45% Compare with Hum
Yakuza Electric Neu 48V Rs. 45,334 Rs. 1,077 36 months 9.45% Compare with Hum
Komaki XR1 STD Rs. 38,730 Rs. 896 36 months 9.45% Compare with Hum

Frequently Asked Questions About Motovolt Hum EMI

What is the monthly EMI for the Motovolt Hum?

Rs. 893 a month for the Standard - Normal Range, on a Rs. 27,889 loan at 9.45% for 3 years. The top Smart Plus - Long Range Fast Charge works out to Rs. 1,291.

How much down payment is required for the Motovolt Hum?

About Rs. 10,739 for the Standard - Normal Range in Dadri. That's the on-road price of Rs. 38,628 minus the Rs. 27,889 loan.

How does the loan tenure affect the Motovolt Hum EMI?

Over 1 year the EMI is Rs. 2,445 and you pay Rs. 1,451 in interest. Stretch it to 5 years and the EMI drops to Rs. 585, but interest rises to Rs. 7,211.

Is the Motovolt Hum EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Dadri the Standard - Normal Range costs Rs. 38,628 on-road, which includes Rs. 3,029 insurance and Rs. 200 RTO and other charges.

Does the Motovolt Hum 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 Motovolt Hum loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 27,889 loan comes to Rs. 901 a month.

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