TVS X EMI Calculator

Updated on November 2026

The TVS X EMI is Rs. 7,249 per month for 36 months at 9% on a loan of Rs. 2,27,960, with a down payment of Rs. 40,934. This is based on the STD variant's on-road price of Rs. 2,68,894 in Thane (ex-showroom Rs. 2,66,141). Use the bike loan calculator below to change the down payment, interest rate and tenure.

Also see: X Electric Scooter On-road price | X Electric Scooter Mileage

TVS X EMI and Down Payment

TVS X Electric Scooter STD – EMI calculator

Ex-showroom

: Rs. 2,66,141

On-road price

: Rs. 2,68,894 (Thane)

Loan amount

: Rs. 2,27,960 (On-road price - Down payment)

Down payment

: Rs. 40,934 (Amount paid upfront)

Monthly EMI

: Rs. 7,249 (For Tenure of 36 months @ 9%; banks start from 10.05%)

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TVS X Bike Loan EMI Calculator

Variant: STD
On-road price (Thane): Rs. 2,68,894
Down payment: Rs. 40,934
Loan amount: Rs. 2,27,960
Interest rate: 9%
Tenure: 36 months
Monthly EMI: Rs. 7,249

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

TVS X Bike Loan EMI & Loan Breakdown

Monthly EMI

Rs. 7,249

36 months @ 9%

Down paymentRs. 40,934
Loan amountRs. 2,27,960
Total interestRs. 33,004
Total loan repayment (EMIs)Rs. 2,60,964
Total purchase outlayRs. 3,01,898

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.

Year	Principal paid	Interest paid	Outstanding loan
Year 1 Months 1-12	Rs. 69,283	Rs. 17,705	Rs. 1,58,677
Year 2 Months 13-24	Rs. 75,783	Rs. 11,205	Rs. 82,894
Year 3 Months 25-36	Rs. 82,894	Rs. 4,094	Rs. 0

TVS X Loan Interest Rates by Bank

TVS X loan rates, 36 months, loan Rs. 2,27,960
Lending Partners	Interest Rate	EMI Starting From (36 Months)
HDFC Bank	14.5% onwards	Rs. 7,847 (36 months)
ICICI Bank	10.05% onwards	Rs. 7,361 (36 months)
Axis Bank	11% onwards	Rs. 7,463 (36 months)
Bank of Baroda	13.65% onwards	Rs. 7,752 (36 months)

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TVS X EMI by Tenure

For a Rs. 2,27,960 loan on the STD at 9%.

Tenure	EMI	Total Interest	Total Payable
12 months	Rs. 19,935	Rs. 11,260	Rs. 2,39,220
24 months	Rs. 10,414	Rs. 21,976	Rs. 2,49,936
36 months	Rs. 7,249	Rs. 33,004	Rs. 2,60,964
48 months	Rs. 5,673	Rs. 44,344	Rs. 2,72,304
60 months	Rs. 4,732	Rs. 55,960	Rs. 2,83,920

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TVS X

4.6 50 user reviews

Starts at ₹ 2,66,141

View November Offers

How Is the TVS X 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. 2,27,960, r = (9 ÷ 12) ÷ 100 = 0.0075 and n = 36 months, which gives an EMI of Rs. 7,249.

The calculation starts from the Thane on-road price of Rs. 2,68,894 (ex-showroom Rs. 2,66,141 plus RTO and other charges).

Factors That Affect Your TVS X 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. 107 to the EMI on a Rs. 2,27,960 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. 19,935; over 60 months it drops to Rs. 4,732 but you pay Rs. 44,700 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.

TVS X EMI vs 390 Duke, X440, Himalayan 450

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

Model	On-road Price	EMI	Tenure	Interest Rate	Compare
KTM 390 Duke STD	Rs. 3,32,830	Rs. 7,770	36 months	9%	Compare with X Electric Scooter
Harley-Davidson X440 Vivid	Rs. 2,84,662	Rs. 6,418	36 months	9%	Compare with X Electric Scooter
Royal Enfield Himalayan 450 Base	Rs. 3,81,548	Rs. 8,410	36 months	9%	Compare with X Electric Scooter
Triumph Speed 400 STD	Rs. 2,76,413	Rs. 6,427	36 months	9%	Compare with X Electric Scooter

Frequently Asked Questions About TVS X EMI

What is the monthly EMI for the TVS X?

Rs. 7,249 a month for the STD, on a Rs. 2,27,960 loan at 9% for 3 years.

How much down payment is required for the TVS X?

About Rs. 40,934 for the STD in Thane. That's the on-road price of Rs. 2,68,894 minus the Rs. 2,27,960 loan.

How does the loan tenure affect the TVS X EMI?

Over 1 year the EMI is Rs. 19,935 and you pay Rs. 11,260 in interest. Stretch it to 5 years and the EMI drops to Rs. 4,732, but interest rises to Rs. 55,960.