Polarity Smart Executive EMI Calculator


Updated on October 2026
The Polarity Smart Executive EMI is Rs. 965 per month for 36 months at 9.45% on a loan of Rs. 30,155, with a down payment of Rs. 11,116. This is based on the E1K variant's on-road price of Rs. 41,271 in Delhi (ex-showroom Rs. 38,000). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: Executive On-road price | Executive Mileage

Polarity Smart Executive EMI and Down Payment (Delhi)

Ex-showroom
: Rs. 38,000
On-road price
: Rs. 41,271  (Delhi)
Loan amount
: Rs. 30,155  (On-road - Down payment)
Down payment
: Rs. 11,116  (On-road - Loan amount)
Monthly EMI
: Rs. 965  (For Tenure of 36 months @ 9.45%; banks start from 10.05%)
Insurance
: Rs. 3,071
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Polarity Smart Executive Bike Loan EMI Calculator

On-road price (Delhi)
Rs. 41,271
Down payment
Rs. 11,116
Loan amount
Rs. 30,155
Interest rate
9.45%
Tenure
36 months
Monthly EMI
Rs. 965
Total interest
Rs. 4,585
Total payable
Rs. 34,740
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
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Polarity Smart Executive Loan Interest Rates by Bank

Polarity Smart Executive loan rates, 36 months, loan Rs. 30,155
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 1,038 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 974 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 987 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 1,026 (36 months)
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Polarity Smart Executive EMI by Tenure

For a Rs. 30,155 loan on the E1K electric at 9.45%.

Tenure EMI Total Interest Total Payable
12 months Rs. 2,643 Rs. 1,561 Rs. 31,716
24 months Rs. 1,384 Rs. 3,061 Rs. 33,216
36 months Rs. 965 Rs. 4,585 Rs. 34,740
48 months Rs. 757 Rs. 6,181 Rs. 36,336
60 months Rs. 633 Rs. 7,825 Rs. 37,980
Polarity Smart Executive
Colours
Polarity Smart Executive
3.6 3 user reviews
Starts at ₹ 38,000
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Polarity Smart Executive Variant-wise EMI & Down Payment

Executive Variants Fuel/Transmission Ex-showroom Loan @9.45% Down Payment EMI (36 months)
E1K Electric / Automatic Rs. 38,000 Rs. 30,155 Rs. 11,116 Rs. 965
E2K Electric / Automatic Rs. 65,000 Rs. 53,677 Rs. 15,127 Rs. 1,718
E3K Electric / Automatic Rs. 1,05,000 Rs. 88,525 Rs. 20,980 Rs. 2,834

Polarity Smart Executive EMI vs X One, Rubie, Neu

Polarity Smart Executive EMI FAQs

What is the EMI for the Polarity Smart Executive?

Rs. 965 per month for the E1K variant (loan Rs. 30,155, 9.45%, 36 months). Over 60 months it is Rs. 633.

What is the down payment for the Polarity Smart Executive?

Rs. 11,116 for E1K, Rs. 15,127 for E2K and Rs. 20,980 for E3K in ZigWheels' default calculation.

What is the EMI for the Polarity Smart Executive E3K variant?

Rs. 2,834 per month on a loan of Rs. 88,525 at 9.45% for 36 months.

Which bank has the lowest rate for a Polarity Smart Executive loan?

Of the listed partners, ICICI Bank starts at 10.05% (EMI Rs. 974 for 36 months). Axis Bank 11%, Bank of Baroda 13.65%, HDFC Bank 14.5%.

How much total interest will I pay on a Polarity Smart Executive loan?

Rs. 4,585 over 36 months on the E1K loan at 9.45%.

What on-road price is the Polarity Smart Executive EMI based on?

Rs. 41,271 in Delhi: ex-showroom Rs. 38,000, insurance Rs. 3,071, RTO and other charges Rs. 200.

What is the difference between EMI in advance and EMI in arrears?

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. EMI in arrears: You don't make any advance EMI payments. The bank disburses the loan amount minus any other one time fees.

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