TVS XL100 EMI Calculator

Updated on November 2026

The TVS XL100 EMI is Rs. 1,251 per month for 36 months at 9.45% on a loan of Rs. 39,085, with a down payment of Rs. 17,723. This is based on the Heavy Duty variant's on-road price of Rs. 56,808 in Delhi (ex-showroom Rs. 48,250). Use the bike loan calculator below to change the down payment, interest rate and tenure.

Also see: XL100 On-road price | XL100 Mileage

TVS XL100 EMI and Down Payment

Ex-showroom

: Rs. 48,250

On-road price

: Rs. 56,808 (Delhi)

Loan amount

: Rs. 39,085 (On-road price - Down payment)

Down payment

: Rs. 17,723 (Amount paid upfront)

Monthly EMI

: Rs. 1,251 (For Tenure of 36 months @ 9.45%; banks start from 10.05%)

Insurance

: Rs. 5,463

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TVS XL100 Bike Loan EMI Calculator

Variant: Heavy Duty
On-road price (Delhi): Rs. 56,808
Down payment: Rs. 17,723
Loan amount: Rs. 39,085
Interest rate: 9.45%
Tenure: 36 months
Monthly EMI: Rs. 1,251

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 XL100 Bike Loan EMI & Loan Breakdown

Monthly EMI

Rs. 1,251

36 months @ 9.45%

Down paymentRs. 17,723
Loan amountRs. 39,085
Total interestRs. 5,951
Total loan repayment (EMIs)Rs. 45,036
Total purchase outlayRs. 62,759

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the Heavy Duty 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. 11,822	Rs. 3,190	Rs. 27,263
Year 2 Months 13-24	Rs. 12,988	Rs. 2,024	Rs. 14,275
Year 3 Months 25-36	Rs. 14,275	Rs. 737	Rs. 0

TVS XL100 Loan Interest Rates by Bank

TVS XL100 loan rates, 36 months, loan Rs. 39,085
Lending Partners	Interest Rate	EMI Starting From (36 Months)
HDFC Bank	14.5% onwards	Rs. 1,345 (36 months)
ICICI Bank	10.05% onwards	Rs. 1,262 (36 months)
Axis Bank	11% onwards	Rs. 1,280 (36 months)
Bank of Baroda	13.65% onwards	Rs. 1,329 (36 months)

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TVS XL100 EMI by Tenure

For a Rs. 39,085 loan on the Heavy Duty at 9.45%.

Tenure	EMI	Total Interest	Total Payable
12 months	Rs. 3,426	Rs. 2,027	Rs. 41,112
24 months	Rs. 1,794	Rs. 3,971	Rs. 43,056
36 months	Rs. 1,251	Rs. 5,951	Rs. 45,036
48 months	Rs. 981	Rs. 8,003	Rs. 47,088
60 months	Rs. 820	Rs. 10,115	Rs. 49,200

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TVS XL100

3.8 180 user reviews

Starts at ₹ 48,250

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TVS XL100 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.

XL100 Variants	Fuel/Transmission	Ex-showroom	On-road Price	Loan @9.45%	Down Payment	EMI (36 months)
Heavy Duty	Petrol / Automatic	Rs. 48,250	Rs. 56,808	Rs. 39,085	Rs. 17,723	Rs. 1,251
Heavy Duty i Touch Start	Petrol / Automatic	Rs. 57,460	Rs. 66,746	Rs. 47,109	Rs. 19,637	Rs. 1,508
Comfort i-Touch Start	Petrol / Automatic	Rs. 60,180	Rs. 70,885	Rs. 49,478	Rs. 21,407	Rs. 1,584
Win Edition	Petrol / Automatic	Rs. 60,480	Rs. 71,214	Rs. 49,740	Rs. 21,474	Rs. 1,592
Heavy Duty Alloy	Petrol	Rs. 61,860	Rs. 72,731	Rs. 50,942	Rs. 21,789	Rs. 1,631

How Is the TVS XL100 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 Heavy Duty variant: P = Rs. 39,085, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 1,251.

The calculation starts from the Delhi on-road price of Rs. 56,808 (ex-showroom Rs. 48,250 plus insurance, RTO and other charges).

Factors That Affect Your TVS XL100 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. 18 to the EMI on a Rs. 39,085 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. 3,426; over 60 months it drops to Rs. 820 but you pay Rs. 8,088 more in interest.
Variant and city: In Delhi the EMI ranges from Rs. 1,251 (Heavy Duty) to Rs. 1,631 (Heavy Duty Alloy). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

TVS XL100 EMI vs X One, Rubie, Neu

Starting EMI of each model's base variant, worked out the same way as the TVS XL100: the down payment is the on-road price minus the loan.

Model	On-road Price	EMI	Tenure	Interest Rate	Compare
Komaki X One Graphene	Rs. 43,301	Rs. 1,021	36 months	9.45%	Compare with XL100
Yakuza Electric Rubie 48V	Rs. 43,640	Rs. 1,030	36 months	9.45%	Compare with XL100
Yakuza Electric Neu 48V	Rs. 45,347	Rs. 1,077	36 months	9.45%	Compare with XL100
Warivo Motors Neo STD	Rs. 58,541	Rs. 1,439	36 months	9.45%	Compare with XL100

Frequently Asked Questions About TVS XL100 EMI

What is the monthly EMI for the TVS XL100?

Rs. 1,251 a month for the Heavy Duty, on a Rs. 39,085 loan at 9.45% for 3 years. The top Heavy Duty Alloy works out to Rs. 1,631.

How much down payment is required for the TVS XL100?

About Rs. 17,723 for the Heavy Duty in Delhi. That's the on-road price of Rs. 56,808 minus the Rs. 39,085 loan.

How does the loan tenure affect the TVS XL100 EMI?

Over 1 year the EMI is Rs. 3,426 and you pay Rs. 2,027 in interest. Stretch it to 5 years and the EMI drops to Rs. 820, but interest rises to Rs. 10,115.