Triumph Speed 400 EMI Calculator


Updated on November 2026
The Triumph Speed 400 EMI is Rs. 6,427 per month for 36 months at 9% on a loan of Rs. 2,02,109, with a down payment of Rs. 74,304. This is based on the STD variant's on-road price of Rs. 2,76,413 in Latur (ex-showroom Rs. 2,35,327). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: Speed 400 On-road price

Triumph Speed 400 EMI and Down Payment

Ex-showroom
: Rs. 2,35,327
On-road price
: Rs. 2,76,413  (Latur)
Loan amount
: Rs. 2,02,109  (On-road price - Down payment)
Down payment
: Rs. 74,304  (Amount paid upfront)
Monthly EMI
: Rs. 6,427  (For Tenure of 36 months @ 9%; banks start from 10.05%)
Insurance
: Rs. 12,647
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Triumph Speed 400 Bike Loan EMI Calculator

Variant
STD
On-road price (Latur)
Rs. 2,76,413
Down payment
Rs. 74,304
Loan amount
Rs. 2,02,109
Interest rate
9%
Tenure
36 months
Monthly EMI
Rs. 6,427
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

Triumph Speed 400 Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 6,427
36 months @ 9%
  • Down paymentRs. 74,304
  • Loan amountRs. 2,02,109
  • Total interestRs. 29,263
  • Total loan repayment (EMIs)Rs. 2,31,372
  • Total purchase outlayRs. 3,05,676

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. 61,427Rs. 15,697Rs. 1,40,682
Year 2 Months 13-24Rs. 67,189Rs. 9,935Rs. 73,493
Year 3 Months 25-36Rs. 73,493Rs. 3,631Rs. 0
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Triumph Speed 400 Loan Interest Rates by Bank

Triumph Speed 400 loan rates, 36 months, loan Rs. 2,02,109
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 6,957 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 6,526 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 6,617 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 6,873 (36 months)
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Triumph Speed 400 EMI by Tenure

For a Rs. 2,02,109 loan on the STD at 9%.

Tenure EMI Total Interest Total Payable
12 months Rs. 17,675 Rs. 9,991 Rs. 2,12,100
24 months Rs. 9,233 Rs. 19,483 Rs. 2,21,592
36 months Rs. 6,427 Rs. 29,263 Rs. 2,31,372
48 months Rs. 5,029 Rs. 39,283 Rs. 2,41,392
60 months Rs. 4,195 Rs. 49,591 Rs. 2,51,700
Triumph Speed 400
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Triumph Speed 400
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Starts at ₹ 2,35,327
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How Is the Triumph Speed 400 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. 2,02,109, r = (9 ÷ 12) ÷ 100 = 0.0075 and n = 36 months, which gives an EMI of Rs. 6,427.

The calculation starts from the Latur on-road price of Rs. 2,76,413 (ex-showroom Rs. 2,35,327 plus insurance, RTO and other charges).

Factors That Affect Your Triumph Speed 400 Loan EMI

  • Down payment: Every Rs. 10,000 of extra down payment lowers the EMI by about Rs. 318 at 9% for 36 months.
  • Interest rate: A rate 1% higher adds about Rs. 94 to the EMI on a Rs. 2,02,109 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. 17,675; over 60 months it drops to Rs. 4,195 but you pay Rs. 39,600 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.

Triumph Speed 400 EMI vs Scrambler 400 X, Classic 350, Pulsar NS400Z

Starting EMI of each model's base variant, worked out the same way as the Triumph Speed 400: 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
Triumph Scrambler 400 X STD Rs. 3,11,471 Rs. 7,250 36 months 9% Compare with Speed 400
Royal Enfield Classic 350 Redditch Rs. 2,34,973 Rs. 5,174 36 months 9.45% Compare with Speed 400
Bajaj Pulsar NS400Z STD Rs. 2,27,960 Rs. 5,121 36 months 11.99% Compare with Speed 400
Triumph Bonneville T40 T4 Rs. 2,98,776 Rs. 6,940 36 months 9% Compare with Speed 400

Frequently Asked Questions About Triumph Speed 400 EMI

What is the monthly EMI for the Triumph Speed 400?

Rs. 6,427 a month for the STD, on a Rs. 2,02,109 loan at 9% for 3 years.

How much down payment is required for the Triumph Speed 400?

About Rs. 74,304 for the STD in Latur. That's the on-road price of Rs. 2,76,413 minus the Rs. 2,02,109 loan.

How does the loan tenure affect the Triumph Speed 400 EMI?

Over 1 year the EMI is Rs. 17,675 and you pay Rs. 9,991 in interest. Stretch it to 5 years and the EMI drops to Rs. 4,195, but interest rises to Rs. 49,591.

Is the Triumph Speed 400 EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Latur the STD costs Rs. 2,76,413 on-road, which includes Rs. 12,647 insurance and Rs. 28,439 RTO and other charges.

Does the Triumph Speed 400 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 Triumph Speed 400 loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 2,02,109 loan comes to Rs. 6,526 a month.

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