One Moto Byka EMI Calculator

Updated on November 2026

The One Moto Byka EMI is Rs. 4,925 per month for 36 months at 9.45% on a loan of Rs. 1,53,864, with a down payment of Rs. 32,762. This is based on the STD variant's on-road price of Rs. 1,86,626 in Delhi (ex-showroom Rs. 1,80,000). Use the bike loan calculator below to change the down payment, interest rate and tenure.

Also see: Byka On-road price | Byka Mileage

One Moto Byka EMI and Down Payment

Ex-showroom

: Rs. 1,80,000

On-road price

: Rs. 1,86,626 (Delhi)

Loan amount

: Rs. 1,53,864 (On-road price - Down payment)

Down payment

: Rs. 32,762 (Amount paid upfront)

Monthly EMI

: Rs. 4,925 (For Tenure of 36 months @ 9.45%; banks start from 10.05%)

Insurance

: Rs. 6,426

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One Moto Byka Bike Loan EMI Calculator

Variant: STD
On-road price (Delhi): Rs. 1,86,626
Down payment: Rs. 32,762
Loan amount: Rs. 1,53,864
Interest rate: 9.45%
Tenure: 36 months
Monthly EMI: Rs. 4,925

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

One Moto Byka Bike Loan EMI & Loan Breakdown

Monthly EMI

Rs. 4,925

36 months @ 9.45%

Down paymentRs. 32,762
Loan amountRs. 1,53,864
Total interestRs. 23,436
Total loan repayment (EMIs)Rs. 1,77,300
Total purchase outlayRs. 2,10,062

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.

Year	Principal paid	Interest paid	Outstanding loan
Year 1 Months 1-12	Rs. 46,541	Rs. 12,559	Rs. 1,07,323
Year 2 Months 13-24	Rs. 51,136	Rs. 7,964	Rs. 56,187
Year 3 Months 25-36	Rs. 56,187	Rs. 2,913	Rs. 0

One Moto Byka Loan Interest Rates by Bank

One Moto Byka loan rates, 36 months, loan Rs. 1,53,864
Lending Partners	Interest Rate	EMI Starting From (36 Months)
HDFC Bank	14.5% onwards	Rs. 5,296 (36 months)
ICICI Bank	10.05% onwards	Rs. 4,968 (36 months)
Axis Bank	11% onwards	Rs. 5,037 (36 months)
Bank of Baroda	13.65% onwards	Rs. 5,233 (36 months)

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One Moto Byka EMI by Tenure

For a Rs. 1,53,864 loan on the STD at 9.45%.

Tenure	EMI	Total Interest	Total Payable
12 months	Rs. 13,488	Rs. 7,992	Rs. 1,61,856
24 months	Rs. 7,061	Rs. 15,600	Rs. 1,69,464
36 months	Rs. 4,925	Rs. 23,436	Rs. 1,77,300
48 months	Rs. 3,862	Rs. 31,512	Rs. 1,85,376
60 months	Rs. 3,228	Rs. 39,816	Rs. 1,93,680

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One Moto Byka

Starts at ₹ 1,80,000

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How Is the One Moto Byka 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. 1,53,864, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 4,925.

The calculation starts from the Delhi on-road price of Rs. 1,86,626 (ex-showroom Rs. 1,80,000 plus insurance, RTO and other charges).

Factors That Affect Your One Moto Byka 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. 72 to the EMI on a Rs. 1,53,864 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. 13,488; over 60 months it drops to Rs. 3,228 but you pay Rs. 31,824 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.

One Moto Byka EMI vs Classic 350, R15 V4, 42 Bobber

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

Model	On-road Price	EMI	Tenure	Interest Rate	Compare
Royal Enfield Classic 350 Redditch	Rs. 2,27,415	Rs. 5,174	36 months	9.45%	Compare with Byka
Yamaha R15 V4 Racing Blue Without Quickshifter	Rs. 2,00,668	Rs. 4,782	36 months	9.45%	Compare with Byka
Jawa 42 Bobber All Stars Mystic Copper	Rs. 2,38,061	Rs. 5,696	36 months	9%	Compare with Byka
Bajaj Pulsar NS200 Dual Channel USD	Rs. 1,73,230	Rs. 3,958	36 months	11.99%	Compare with Byka

Frequently Asked Questions About One Moto Byka EMI

What is the monthly EMI for the One Moto Byka?

Rs. 4,925 a month for the STD, on a Rs. 1,53,864 loan at 9.45% for 3 years.

How much down payment is required for the One Moto Byka?

About Rs. 32,762 for the STD in Delhi. That's the on-road price of Rs. 1,86,626 minus the Rs. 1,53,864 loan.

How does the loan tenure affect the One Moto Byka EMI?

Over 1 year the EMI is Rs. 13,488 and you pay Rs. 7,992 in interest. Stretch it to 5 years and the EMI drops to Rs. 3,228, but interest rises to Rs. 39,816.

Is the One Moto Byka EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the STD costs Rs. 1,86,626 on-road, which includes Rs. 6,426 insurance and Rs. 200 RTO and other charges.

Does the One Moto Byka 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 One Moto Byka loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 1,53,864 loan comes to Rs. 4,968 a month.

Ask or read owner questions on One Moto Byka Q&A

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