Royal Enfield Scram 440 EMI Calculator


Updated on October 2026
The Royal Enfield Scram 440 EMI is Rs. 6,135 per month for 36 months at 9% on a loan of Rs. 1,92,940, with a down payment of Rs. 71,215. This is based on the Trail variant's on-road price of Rs. 2,64,155 in Delhi (ex-showroom Rs. 2,24,805). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: Scram 440 On-road price | Scram 440 Mileage

Royal Enfield Scram 440 EMI and Down Payment (Delhi)

Ex-showroom
: Rs. 2,24,805
On-road price
: Rs. 2,64,155  (Delhi)
Loan amount
: Rs. 1,92,940  (On-road - Down payment)
Down payment
: Rs. 71,215  (On-road - Loan amount)
Monthly EMI
: Rs. 6,135  (For Tenure of 36 months @ 9%; banks start from 10.05%)
Insurance
: Rs. 21,366
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Royal Enfield Scram 440 Bike Loan EMI Calculator

On-road price (Delhi)
Rs. 2,64,155
Down payment
Rs. 71,215
Loan amount
Rs. 1,92,940
Interest rate
9%
Tenure
36 months
Monthly EMI
Rs. 6,135
Total interest
Rs. 27,920
Total payable
Rs. 2,20,860
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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Royal Enfield Scram 440 Loan Interest Rates by Bank

Royal Enfield Scram 440 loan rates, 36 months, loan Rs. 1,92,940
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 6,641 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 6,230 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 6,317 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 6,561 (36 months)
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Royal Enfield Scram 440 EMI by Tenure

For a Rs. 1,92,940 loan on the Trail petrol at 9%.

Tenure EMI Total Interest Total Payable
12 months Rs. 16,873 Rs. 9,536 Rs. 2,02,476
24 months Rs. 8,814 Rs. 18,596 Rs. 2,11,536
36 months Rs. 6,135 Rs. 27,920 Rs. 2,20,860
48 months Rs. 4,801 Rs. 37,508 Rs. 2,30,448
60 months Rs. 4,005 Rs. 47,360 Rs. 2,40,300
Royal Enfield Scram 440
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Royal Enfield Scram 440
4.5 8 user reviews
Starts at ₹ 2,24,805
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Royal Enfield Scram 440 Variant-wise EMI & Down Payment

Scram 440 Variants Fuel/Transmission Ex-showroom Loan @9% Down Payment EMI (36 months)
Trail Petrol Rs. 2,24,805 Rs. 1,92,940 Rs. 71,215 Rs. 6,135
Force Petrol Rs. 2,32,371 Rs. 1,99,534 Rs. 72,910 Rs. 6,345

Royal Enfield Scram 440 EMI vs Classic 350, 42 Bobber, Pulsar NS400Z

Royal Enfield Scram 440 EMI FAQs

What is the EMI for the Royal Enfield Scram 440?

Rs. 6,135 per month for the Trail variant (loan Rs. 1,92,940, 9%, 36 months). Over 60 months it is Rs. 4,005.

What is the down payment for the Royal Enfield Scram 440?

Rs. 71,215 for Trail and Rs. 72,910 for Force in ZigWheels' default calculation.

What is the EMI for the Royal Enfield Scram 440 Force variant?

Rs. 6,345 per month on a loan of Rs. 1,99,534 at 9% for 36 months.

Which bank has the lowest rate for a Royal Enfield Scram 440 loan?

Of the listed partners, ICICI Bank starts at 10.05% (EMI Rs. 6,230 for 36 months). Axis Bank 11%, Bank of Baroda 13.65%, HDFC Bank 14.5%.

How much total interest will I pay on a Royal Enfield Scram 440 loan?

Rs. 27,920 over 36 months on the Trail loan at 9%.

What on-road price is the Royal Enfield Scram 440 EMI based on?

Rs. 2,64,155 in Delhi: ex-showroom Rs. 2,24,805, insurance Rs. 21,366, RTO and other charges Rs. 17,984.

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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