TVS Star City Plus EMI Calculator


Updated on November 2026
The TVS Star City Plus EMI is Rs. 1,927 per month for 36 months at 9.45% on a loan of Rs. 60,211, with a down payment of Rs. 24,214. This is based on the Drum variant's on-road price of Rs. 84,425 in Delhi (ex-showroom Rs. 72,500). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: Star City Plus On-road price

TVS Star City Plus EMI and Down Payment

Ex-showroom
: Rs. 72,500
On-road price
: Rs. 84,425  (Delhi)
Loan amount
: Rs. 60,211  (On-road price - Down payment)
Down payment
: Rs. 24,214  (Amount paid upfront)
Monthly EMI
: Rs. 1,927  (For Tenure of 36 months @ 9.45%; banks start from 10.05%)
Insurance
: Rs. 5,925
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TVS Star City Plus Bike Loan EMI Calculator

Variant
Drum
On-road price (Delhi)
Rs. 84,425
Down payment
Rs. 24,214
Loan amount
Rs. 60,211
Interest rate
9.45%
Tenure
36 months
Monthly EMI
Rs. 1,927
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

TVS Star City Plus Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 1,927
36 months @ 9.45%
  • Down paymentRs. 24,214
  • Loan amountRs. 60,211
  • Total interestRs. 9,161
  • Total loan repayment (EMIs)Rs. 69,372
  • Total purchase outlayRs. 93,586

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the Drum 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. 18,209Rs. 4,915Rs. 42,002
Year 2 Months 13-24Rs. 20,007Rs. 3,117Rs. 21,995
Year 3 Months 25-36Rs. 21,995Rs. 1,129Rs. 0
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TVS Star City Plus Loan Interest Rates by Bank

TVS Star City Plus loan rates, 36 months, loan Rs. 60,211
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 2,073 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 1,944 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 1,971 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 2,048 (36 months)
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TVS Star City Plus EMI by Tenure

For a Rs. 60,211 loan on the Drum at 9.45%.

Tenure EMI Total Interest Total Payable
12 months Rs. 5,278 Rs. 3,125 Rs. 63,336
24 months Rs. 2,763 Rs. 6,101 Rs. 66,312
36 months Rs. 1,927 Rs. 9,161 Rs. 69,372
48 months Rs. 1,511 Rs. 12,317 Rs. 72,528
60 months Rs. 1,263 Rs. 15,569 Rs. 75,780
TVS Star City Plus
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TVS Star City Plus
4.1 233 user reviews
Starts at ₹ 72,500
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TVS Star City Plus Variant-Wise EMI

On-road prices in Delhi. Every variant uses the same rule: the loan runs 36 months at 9.45%, and the down payment is the on-road price minus the loan.

Star City Plus Variants Fuel/Transmission Ex-showroom On-road Price Loan @9.45% Down Payment EMI (36 months)
Drum Petrol / Manual Rs. 72,500 Rs. 84,425 Rs. 60,211 Rs. 24,214 Rs. 1,927
Disc Petrol / Manual Rs. 75,200 Rs. 87,393 Rs. 62,564 Rs. 24,829 Rs. 2,003

How Is the TVS Star City Plus 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 Drum variant: P = Rs. 60,211, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 1,927.

The calculation starts from the Delhi on-road price of Rs. 84,425 (ex-showroom Rs. 72,500 plus insurance, RTO and other charges).

Factors That Affect Your TVS Star City Plus Loan EMI

  • Down payment: Every Rs. 10,000 of extra down payment lowers the EMI by about Rs. 320 at 9.45% for 36 months.
  • Interest rate: A rate 1% higher adds about Rs. 29 to the EMI on a Rs. 60,211 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. 5,278; over 60 months it drops to Rs. 1,263 but you pay Rs. 12,444 more in interest.
  • Variant and city: In Delhi the EMI ranges from Rs. 1,927 (Drum) to Rs. 2,003 (Disc). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

TVS Star City Plus EMI vs Sport, Splendor Plus, Radeon

Starting EMI of each model's base variant, worked out the same way as the TVS Star City Plus: the down payment is the on-road price minus the loan.

ModelOn-road PriceEMITenureInterest RateCompare
TVS Sport Self Start - ES Rs. 70,443 Rs. 1,554 36 months 9.45% Compare with Star City Plus
Hero Splendor Plus Standard Rs. 93,372 Rs. 2,106 36 months 9.45% Compare with Star City Plus
TVS Radeon All Black Edition Rs. 69,433 Rs. 1,577 36 months 9.45% Compare with Star City Plus
Honda Shine Drum Rs. 99,616 Rs. 2,232 36 months 9.45% Compare with Star City Plus

Frequently Asked Questions About TVS Star City Plus EMI

What is the monthly EMI for the TVS Star City Plus?

Rs. 1,927 a month for the Drum, on a Rs. 60,211 loan at 9.45% for 3 years. The top Disc works out to Rs. 2,003.

How much down payment is required for the TVS Star City Plus?

About Rs. 24,214 for the Drum in Delhi. That's the on-road price of Rs. 84,425 minus the Rs. 60,211 loan.

How does the loan tenure affect the TVS Star City Plus EMI?

Over 1 year the EMI is Rs. 5,278 and you pay Rs. 3,125 in interest. Stretch it to 5 years and the EMI drops to Rs. 1,263, but interest rises to Rs. 15,569.

Is the TVS Star City Plus EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the Drum costs Rs. 84,425 on-road, which includes Rs. 5,925 insurance and Rs. 6,000 RTO and other charges.

Does the TVS Star City Plus 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 TVS Star City Plus loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 60,211 loan comes to Rs. 1,944 a month.

Ask or read owner questions on TVS Star City Plus Q&A

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