Shema Tuff EMI Calculator

Updated on October 2026

The Shema Tuff EMI is Rs. 2,127 per month for 36 months at 9.45% on a loan of Rs. 66,444, with a down payment of Rs. 16,945. This is based on the STD variant's on-road price of Rs. 83,389 in Delhi (ex-showroom Rs. 79,655). Use the bike loan calculator below to change the down payment, interest rate and tenure.

Also see: Tuff On-road price | Tuff Mileage

Shema Tuff EMI and Down Payment (Delhi)

Shema E-Vehicle Tuff STD – EMI calculator

Ex-showroom

: Rs. 79,655

On-road price

: Rs. 83,389 (Delhi)

Loan amount

: Rs. 66,444 (On-road - Down payment)

Down payment

: Rs. 16,945 (On-road - Loan amount)

Monthly EMI

: Rs. 2,127 (For Tenure of 36 months @ 9.45%; banks start from 10.05%)

Insurance

: Rs. 3,734

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Shema Tuff Bike Loan EMI Calculator

On-road price (Delhi): Rs. 83,389
Down payment: Rs. 16,945
Loan amount: Rs. 66,444
Interest rate: 9.45%
Tenure: 36 months
Monthly EMI: Rs. 2,127
Total interest: Rs. 10,128
Total payable: Rs. 76,572

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

Shema Tuff Loan Interest Rates by Bank

Shema Tuff loan rates, 36 months, loan Rs. 66,444
Lending Partners	Interest Rate	EMI Starting From (36 Months)
HDFC Bank	14.5% onwards	Rs. 2,287 (36 months)
ICICI Bank	10.05% onwards	Rs. 2,146 (36 months)
Axis Bank	11% onwards	Rs. 2,175 (36 months)
Bank of Baroda	13.65% onwards	Rs. 2,260 (36 months)

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Shema Tuff EMI by Tenure

For a Rs. 66,444 loan on the STD electric at 9.45%.

Tenure	EMI	Total Interest	Total Payable
12 months	Rs. 5,825	Rs. 3,456	Rs. 69,900
24 months	Rs. 3,049	Rs. 6,732	Rs. 73,176
36 months	Rs. 2,127	Rs. 10,128	Rs. 76,572
48 months	Rs. 1,668	Rs. 13,620	Rs. 80,064
60 months	Rs. 1,394	Rs. 17,196	Rs. 83,640

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Shema Tuff

Starts at ₹ 79,655

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Shema Tuff Variant-wise EMI & Down Payment

Tuff Variants	Fuel/Transmission	Ex-showroom	Loan @9.45%	Down Payment	EMI (36 months)
STD	Electric / Automatic	Rs. 79,655	Rs. 66,444	Rs. 16,945	Rs. 2,127
+ 2.5	Electric	Rs. 1,16,199	Rs. 98,281	Rs. 22,419	Rs. 3,146
+ 4.0	Electric	Rs. 1,40,399	Rs. 1,19,364	Rs. 25,960	Rs. 3,821

Shema Tuff EMI vs Splendor Plus, SP125, Activa

Hero Splendor Plus
Rs. 78,912
Splendor Plus EMI Compare with Tuff
Honda SP125
Rs. 90,498
SP125 EMI Compare with Tuff
Honda Activa
Rs. 76,358
Activa EMI Compare with Tuff
Hero Splendor Plus XTEC
Rs. 82,418
Splendor Plus XTEC EMI Compare with Tuff
Suzuki Access 125
Rs. 82,185
Access 125 EMI Compare with Tuff

Shema Tuff EMI FAQs

What is the EMI for the Shema Tuff?

Rs. 2,127 per month for the STD variant (loan Rs. 66,444, 9.45%, 36 months). Over 60 months it is Rs. 1,394.

What is the down payment for the Shema Tuff?

Rs. 16,945 for STD, Rs. 22,419 for + 2.5 and Rs. 25,960 for + 4.0 in ZigWheels' default calculation.

What is the EMI for the Shema Tuff + 4.0 variant?

Rs. 3,821 per month on a loan of Rs. 1,19,364 at 9.45% for 36 months.

Which bank has the lowest rate for a Shema Tuff loan?

Of the listed partners, ICICI Bank starts at 10.05% (EMI Rs. 2,146 for 36 months). Axis Bank 11%, Bank of Baroda 13.65%, HDFC Bank 14.5%.

How much total interest will I pay on a Shema Tuff loan?

Rs. 10,128 over 36 months on the STD loan at 9.45%.

What on-road price is the Shema Tuff EMI based on?

Rs. 83,389 in Delhi: ex-showroom Rs. 79,655, insurance Rs. 3,734, 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.

Ask or read owner questions on Shema Tuff Q&A

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