Polarity Smart Sport EMI Calculator


Updated on October 2026
The Polarity Smart Sport EMI is Rs. 1,021 per month for 36 months at 9.45% on a loan of Rs. 31,898, with a down payment of Rs. 11,204. This is based on the S1K variant's on-road price of Rs. 43,102 in Delhi (ex-showroom Rs. 40,000). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: Sport On-road price | Sport Mileage

Polarity Smart Sport EMI and Down Payment (Delhi)

Ex-showroom
: Rs. 40,000
On-road price
: Rs. 43,102  (Delhi)
Loan amount
: Rs. 31,898  (On-road - Down payment)
Down payment
: Rs. 11,204  (On-road - Loan amount)
Monthly EMI
: Rs. 1,021  (For Tenure of 36 months @ 9.45%; banks start from 10.05%)
Insurance
: Rs. 3,102
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Polarity Smart Sport Bike Loan EMI Calculator

On-road price (Delhi)
Rs. 43,102
Down payment
Rs. 11,204
Loan amount
Rs. 31,898
Interest rate
9.45%
Tenure
36 months
Monthly EMI
Rs. 1,021
Total interest
Rs. 4,858
Total payable
Rs. 36,756
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 Sport Loan Interest Rates by Bank

Polarity Smart Sport loan rates, 36 months, loan Rs. 31,898
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 1,098 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 1,030 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 1,044 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 1,085 (36 months)
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Polarity Smart Sport EMI by Tenure

For a Rs. 31,898 loan on the S1K electric at 9.45%.

Tenure EMI Total Interest Total Payable
12 months Rs. 2,796 Rs. 1,654 Rs. 33,552
24 months Rs. 1,464 Rs. 3,238 Rs. 35,136
36 months Rs. 1,021 Rs. 4,858 Rs. 36,756
48 months Rs. 801 Rs. 6,550 Rs. 38,448
60 months Rs. 669 Rs. 8,242 Rs. 40,140
Polarity Smart Sport
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Polarity Smart Sport
4.1 4 user reviews
Starts at ₹ 40,000
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Polarity Smart Sport Variant-wise EMI & Down Payment

Sport Variants Fuel/Transmission Ex-showroom Loan @9.45% Down Payment EMI (36 months)
S1K Electric / Automatic Rs. 40,000 Rs. 31,898 Rs. 11,204 Rs. 1,021
S2K Electric / Automatic Rs. 70,000 Rs. 58,033 Rs. 15,659 Rs. 1,858
S3K Electric / Automatic Rs. 1,10,000 Rs. 92,881 Rs. 22,318 Rs. 2,973

Polarity Smart Sport EMI vs X One, Rubie, Neu

Polarity Smart Sport EMI FAQs

What is the EMI for the Polarity Smart Sport?

Rs. 1,021 per month for the S1K variant (loan Rs. 31,898, 9.45%, 36 months). Over 60 months it is Rs. 669.

What is the down payment for the Polarity Smart Sport?

Rs. 11,204 for S1K, Rs. 15,659 for S2K and Rs. 22,318 for S3K in ZigWheels' default calculation.

What is the EMI for the Polarity Smart Sport S3K variant?

Rs. 2,973 per month on a loan of Rs. 92,881 at 9.45% for 36 months.

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

Of the listed partners, ICICI Bank starts at 10.05% (EMI Rs. 1,030 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 Sport loan?

Rs. 4,858 over 36 months on the S1K loan at 9.45%.

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

Rs. 43,102 in Delhi: ex-showroom Rs. 40,000, insurance Rs. 3,102, RTO and other charges Rs. 0.

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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