Ola Roadster X+ EMI Calculator


Updated on November 2026
The Ola Roadster X+ EMI is Rs. 3,363 per month for 36 months at 9.45% on a loan of Rs. 1,05,077, with a down payment of Rs. 27,595. This is based on the 4.5 kWh variant's on-road price of Rs. 1,32,672 in Delhi (ex-showroom Rs. 1,23,999). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: Roadster X+ On-road price | Roadster X+ Mileage

Ola Roadster X+ EMI and Down Payment

Ex-showroom
: Rs. 1,23,999
On-road price
: Rs. 1,32,672  (Delhi)
Loan amount
: Rs. 1,05,077  (On-road price - Down payment)
Down payment
: Rs. 27,595  (Amount paid upfront)
Monthly EMI
: Rs. 3,363  (For Tenure of 36 months @ 9.45%; banks start from 10.05%)
Insurance
: Rs. 8,473
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Ola Roadster X+ Bike Loan EMI Calculator

Variant
4.5 kWh
On-road price (Delhi)
Rs. 1,32,672
Down payment
Rs. 27,595
Loan amount
Rs. 1,05,077
Interest rate
9.45%
Tenure
36 months
Monthly EMI
Rs. 3,363
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

Ola Roadster X+ Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 3,363
36 months @ 9.45%
  • Down paymentRs. 27,595
  • Loan amountRs. 1,05,077
  • Total interestRs. 15,991
  • Total loan repayment (EMIs)Rs. 1,21,068
  • Total purchase outlayRs. 1,48,663

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the 4.5 kWh 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. 31,779Rs. 8,577Rs. 73,298
Year 2 Months 13-24Rs. 34,916Rs. 5,440Rs. 38,382
Year 3 Months 25-36Rs. 38,382Rs. 1,974Rs. 0
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Ola Roadster X+ Loan Interest Rates by Bank

Ola Roadster X+ loan rates, 36 months, loan Rs. 1,05,077
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 3,617 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 3,393 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 3,440 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 3,573 (36 months)
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Ola Roadster X+ EMI by Tenure

For a Rs. 1,05,077 loan on the 4.5 kWh at 9.45%.

Tenure EMI Total Interest Total Payable
12 months Rs. 9,211 Rs. 5,455 Rs. 1,10,532
24 months Rs. 4,822 Rs. 10,651 Rs. 1,15,728
36 months Rs. 3,363 Rs. 15,991 Rs. 1,21,068
48 months Rs. 2,637 Rs. 21,499 Rs. 1,26,576
60 months Rs. 2,204 Rs. 27,163 Rs. 1,32,240
Ola Roadster X+
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Ola Roadster X+
4.2 5 user reviews
Starts at ₹ 1,23,999
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Ola Roadster X+ 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.

Roadster X+ Variants Fuel/Transmission Ex-showroom On-road Price Loan @9.45% Down Payment EMI (36 months)
4.5 kWh Electric Rs. 1,23,999 Rs. 1,32,672 Rs. 1,05,077 Rs. 27,595 Rs. 3,363
9.1 kWh Electric Rs. 1,90,000 Rs. 1,99,851 Rs. 1,62,576 Rs. 37,275 Rs. 5,204

How Is the Ola Roadster X+ 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 4.5 kWh variant: P = Rs. 1,05,077, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 3,363.

The calculation starts from the Delhi on-road price of Rs. 1,32,672 (ex-showroom Rs. 1,23,999 plus insurance, RTO and other charges).

Factors That Affect Your Ola Roadster X+ 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. 50 to the EMI on a Rs. 1,05,077 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. 9,211; over 60 months it drops to Rs. 2,204 but you pay Rs. 21,708 more in interest.
  • Variant and city: In Delhi the EMI ranges from Rs. 3,363 (4.5 kWh) to Rs. 5,204 (9.1 kWh). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

Ola Roadster X+ EMI vs Hunter 350, Pulsar N160 S, Apache RTR 160

Starting EMI of each model's base variant, worked out the same way as the Ola Roadster X+: the down payment is the on-road price minus the loan, and the rate depends on the price, so check it in each row.

ModelOn-road PriceEMITenureInterest RateCompare
Royal Enfield Hunter 350 Base Rs. 1,72,776 Rs. 3,744 36 months 9.45% Compare with Roadster X+
Bajaj Pulsar N160 S STD Rs. 1,56,531 Rs. 3,576 36 months 11.99% Compare with Roadster X+
TVS Apache RTR 160 RM Drum Black Edition Rs. 1,36,911 Rs. 3,082 36 months 9.45% Compare with Roadster X+
TVS Ronin Base - Lightning Black Rs. 1,56,308 Rs. 3,553 36 months 9.45% Compare with Roadster X+

Frequently Asked Questions About Ola Roadster X+ EMI

What is the monthly EMI for the Ola Roadster X+?

Rs. 3,363 a month for the 4.5 kWh, on a Rs. 1,05,077 loan at 9.45% for 3 years. The top 9.1 kWh works out to Rs. 5,204.

How much down payment is required for the Ola Roadster X+?

About Rs. 27,595 for the 4.5 kWh in Delhi. That's the on-road price of Rs. 1,32,672 minus the Rs. 1,05,077 loan.

How does the loan tenure affect the Ola Roadster X+ EMI?

Over 1 year the EMI is Rs. 9,211 and you pay Rs. 5,455 in interest. Stretch it to 5 years and the EMI drops to Rs. 2,204, but interest rises to Rs. 27,163.

Is the Ola Roadster X+ EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the 4.5 kWh costs Rs. 1,32,672 on-road, which includes Rs. 8,473 insurance and Rs. 200 RTO and other charges.

Does the Ola Roadster X+ 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 Ola Roadster X+ loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 1,05,077 loan comes to Rs. 3,393 a month.

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