One Moto Commuta EMI Calculator

Updated on November 2026

The One Moto Commuta EMI is Rs. 3,531 per month for 36 months at 9.45% on a loan of Rs. 1,10,305, with a down payment of Rs. 24,638. This is based on the STD variant's on-road price of Rs. 1,34,943 in Delhi (ex-showroom Rs. 1,30,000). Use the bike loan calculator below to change the down payment, interest rate and tenure.

Also see: Commuta On-road price | Commuta Mileage

One Moto Commuta EMI and Down Payment

Ex-showroom

: Rs. 1,30,000

On-road price

: Rs. 1,34,943 (Delhi)

Loan amount

: Rs. 1,10,305 (On-road price - Down payment)

Down payment

: Rs. 24,638 (Amount paid upfront)

Monthly EMI

: Rs. 3,531 (For Tenure of 36 months @ 9.45%; banks start from 10.05%)

Insurance

: Rs. 4,743

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One Moto Commuta Bike Loan EMI Calculator

Variant: STD
On-road price (Delhi): Rs. 1,34,943
Down payment: Rs. 24,638
Loan amount: Rs. 1,10,305
Interest rate: 9.45%
Tenure: 36 months
Monthly EMI: Rs. 3,531

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 Commuta Bike Loan EMI & Loan Breakdown

Monthly EMI

Rs. 3,531

36 months @ 9.45%

Down paymentRs. 24,638
Loan amountRs. 1,10,305
Total interestRs. 16,811
Total loan repayment (EMIs)Rs. 1,27,116
Total purchase outlayRs. 1,51,754

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. 33,369	Rs. 9,003	Rs. 76,936
Year 2 Months 13-24	Rs. 36,662	Rs. 5,710	Rs. 40,274
Year 3 Months 25-36	Rs. 40,274	Rs. 2,098	Rs. 0

One Moto Commuta Loan Interest Rates by Bank

One Moto Commuta loan rates, 36 months, loan Rs. 1,10,305
Lending Partners	Interest Rate	EMI Starting From (36 Months)
HDFC Bank	14.5% onwards	Rs. 3,797 (36 months)
ICICI Bank	10.05% onwards	Rs. 3,562 (36 months)
Axis Bank	11% onwards	Rs. 3,611 (36 months)
Bank of Baroda	13.65% onwards	Rs. 3,751 (36 months)

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One Moto Commuta EMI by Tenure

For a Rs. 1,10,305 loan on the STD at 9.45%.

Tenure	EMI	Total Interest	Total Payable
12 months	Rs. 9,669	Rs. 5,723	Rs. 1,16,028
24 months	Rs. 5,062	Rs. 11,183	Rs. 1,21,488
36 months	Rs. 3,531	Rs. 16,811	Rs. 1,27,116
48 months	Rs. 2,769	Rs. 22,607	Rs. 1,32,912
60 months	Rs. 2,314	Rs. 28,535	Rs. 1,38,840

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One Moto Commuta

Starts at ₹ 1,30,000

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How Is the One Moto Commuta 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. 1,10,305, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 3,531.

The calculation starts from the Delhi on-road price of Rs. 1,34,943 (ex-showroom Rs. 1,30,000 plus insurance, RTO and other charges).

Factors That Affect Your One Moto Commuta 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. 52 to the EMI on a Rs. 1,10,305 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. 9,669; over 60 months it drops to Rs. 2,314 but you pay Rs. 22,812 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 Commuta EMI vs Hunter 350, Pulsar N160 S, Ronin

Starting EMI of each model's base variant, worked out the same way as the One Moto Commuta: 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 Hunter 350 Base	Rs. 1,72,776	Rs. 3,744	36 months	9.45%	Compare with Commuta
Bajaj Pulsar N160 S STD	Rs. 1,56,531	Rs. 3,576	36 months	11.99%	Compare with Commuta
TVS Ronin Base - Lightning Black	Rs. 1,56,308	Rs. 3,553	36 months	9.45%	Compare with Commuta
Bajaj Pulsar NS200 Dual Channel USD	Rs. 1,73,230	Rs. 3,958	36 months	11.99%	Compare with Commuta

Frequently Asked Questions About One Moto Commuta EMI

What is the monthly EMI for the One Moto Commuta?

Rs. 3,531 a month for the STD, on a Rs. 1,10,305 loan at 9.45% for 3 years.

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

About Rs. 24,638 for the STD in Delhi. That's the on-road price of Rs. 1,34,943 minus the Rs. 1,10,305 loan.

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

Over 1 year the EMI is Rs. 9,669 and you pay Rs. 5,723 in interest. Stretch it to 5 years and the EMI drops to Rs. 2,314, but interest rises to Rs. 28,535.

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

On the on-road price. In Delhi the STD costs Rs. 1,34,943 on-road, which includes Rs. 4,743 insurance and Rs. 200 RTO and other charges.

Does the One Moto Commuta 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 Commuta loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 1,10,305 loan comes to Rs. 3,562 a month.

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

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