OPG FEV 650 EMI Calculator


Updated on November 2026
The OPG FEV 650 EMI is Rs. 4,367 per month for 36 months at 9.45% on a loan of Rs. 1,36,440, with a down payment of Rs. 29,888. This is based on the STD variant's on-road price of Rs. 1,66,328 in Delhi (ex-showroom Rs. 1,59,999). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: FEV 650 On-road price | FEV 650 Mileage

OPG FEV 650 EMI and Down Payment

Ex-showroom
: Rs. 1,59,999
On-road price
: Rs. 1,66,328  (Delhi)
Loan amount
: Rs. 1,36,440  (On-road price - Down payment)
Down payment
: Rs. 29,888  (Amount paid upfront)
Monthly EMI
: Rs. 4,367  (For Tenure of 36 months @ 9.45%; banks start from 10.05%)
Insurance
: Rs. 6,129
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OPG FEV 650 Bike Loan EMI Calculator

Variant
STD
On-road price (Delhi)
Rs. 1,66,328
Down payment
Rs. 29,888
Loan amount
Rs. 1,36,440
Interest rate
9.45%
Tenure
36 months
Monthly EMI
Rs. 4,367
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

OPG FEV 650 Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 4,367
36 months @ 9.45%
  • Down paymentRs. 29,888
  • Loan amountRs. 1,36,440
  • Total interestRs. 20,772
  • Total loan repayment (EMIs)Rs. 1,57,212
  • Total purchase outlayRs. 1,87,100

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.

YearPrincipal paidInterest paidOutstanding loan
Year 1 Months 1-12Rs. 41,267Rs. 11,137Rs. 95,173
Year 2 Months 13-24Rs. 45,341Rs. 7,063Rs. 49,832
Year 3 Months 25-36Rs. 49,832Rs. 2,572Rs. 0
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OPG FEV 650 Loan Interest Rates by Bank

OPG FEV 650 loan rates, 36 months, loan Rs. 1,36,440
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 4,696 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 4,406 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 4,467 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 4,640 (36 months)
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OPG FEV 650 EMI by Tenure

For a Rs. 1,36,440 loan on the STD at 9.45%.

Tenure EMI Total Interest Total Payable
12 months Rs. 11,960 Rs. 7,080 Rs. 1,43,520
24 months Rs. 6,261 Rs. 13,824 Rs. 1,50,264
36 months Rs. 4,367 Rs. 20,772 Rs. 1,57,212
48 months Rs. 3,425 Rs. 27,960 Rs. 1,64,400
60 months Rs. 2,862 Rs. 35,280 Rs. 1,71,720
OPG FEV 650
Colours
OPG FEV 650
Starts at ₹ 1,59,999
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How Is the OPG FEV 650 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. 1,36,440, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 4,367.

The calculation starts from the Delhi on-road price of Rs. 1,66,328 (ex-showroom Rs. 1,59,999 plus insurance, RTO and other charges).

Factors That Affect Your OPG FEV 650 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. 64 to the EMI on a Rs. 1,36,440 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. 11,960; over 60 months it drops to Rs. 2,862 but you pay Rs. 28,200 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.

OPG FEV 650 EMI vs Classic 350, Hunter 350, R15 V4

Starting EMI of each model's base variant, worked out the same way as the OPG FEV 650: 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 Classic 350 Redditch Rs. 2,27,415 Rs. 5,174 36 months 9.45% Compare with FEV 650
Royal Enfield Hunter 350 Base Rs. 1,72,776 Rs. 3,744 36 months 9.45% Compare with FEV 650
Yamaha R15 V4 Matte Pearl White Without Quickshifter Rs. 2,00,668 Rs. 4,782 36 months 9.45% Compare with FEV 650
Bajaj Pulsar N160 S STD Rs. 1,56,531 Rs. 3,576 36 months 11.99% Compare with FEV 650

Frequently Asked Questions About OPG FEV 650 EMI

What is the monthly EMI for the OPG FEV 650?

Rs. 4,367 a month for the STD, on a Rs. 1,36,440 loan at 9.45% for 3 years.

How much down payment is required for the OPG FEV 650?

About Rs. 29,888 for the STD in Delhi. That's the on-road price of Rs. 1,66,328 minus the Rs. 1,36,440 loan.

How does the loan tenure affect the OPG FEV 650 EMI?

Over 1 year the EMI is Rs. 11,960 and you pay Rs. 7,080 in interest. Stretch it to 5 years and the EMI drops to Rs. 2,862, but interest rises to Rs. 35,280.

Is the OPG FEV 650 EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the STD costs Rs. 1,66,328 on-road, which includes Rs. 6,129 insurance and Rs. 200 RTO and other charges.

Does the OPG FEV 650 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 OPG FEV 650 loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 1,36,440 loan comes to Rs. 4,406 a month.

Ask or read owner questions on OPG FEV 650 Q&A

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