Ujaas eSpa LA EMI Calculator


Updated on November 2026
The Ujaas eSpa LA EMI is Rs. 1,103 per month for 36 months at 9.45% on a loan of Rs. 34,445, with a down payment of Rs. 11,841. This is based on the STD variant's on-road price of Rs. 46,286 in Delhi (ex-showroom Rs. 42,924). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: eSpa LA On-road price | eSpa LA Mileage

Ujaas eSpa LA EMI and Down Payment

Ex-showroom
: Rs. 42,924
On-road price
: Rs. 46,286  (Delhi)
Loan amount
: Rs. 34,445  (On-road price - Down payment)
Down payment
: Rs. 11,841  (Amount paid upfront)
Monthly EMI
: Rs. 1,103  (For Tenure of 36 months @ 9.45%; banks start from 10.05%)
Insurance
: Rs. 3,162
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Ujaas eSpa LA Bike Loan EMI Calculator

Variant
STD
On-road price (Delhi)
Rs. 46,286
Down payment
Rs. 11,841
Loan amount
Rs. 34,445
Interest rate
9.45%
Tenure
36 months
Monthly EMI
Rs. 1,103
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

Ujaas eSpa LA Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 1,103
36 months @ 9.45%
  • Down paymentRs. 11,841
  • Loan amountRs. 34,445
  • Total interestRs. 5,263
  • Total loan repayment (EMIs)Rs. 39,708
  • Total purchase outlayRs. 51,549

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. 10,425Rs. 2,811Rs. 24,020
Year 2 Months 13-24Rs. 11,454Rs. 1,782Rs. 12,566
Year 3 Months 25-36Rs. 12,566Rs. 670Rs. 0
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Ujaas eSpa LA Loan Interest Rates by Bank

Ujaas eSpa LA loan rates, 36 months, loan Rs. 34,445
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 1,186 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 1,112 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 1,128 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 1,171 (36 months)
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Ujaas eSpa LA EMI by Tenure

For a Rs. 34,445 loan on the STD at 9.45%.

Tenure EMI Total Interest Total Payable
12 months Rs. 3,019 Rs. 1,783 Rs. 36,228
24 months Rs. 1,581 Rs. 3,499 Rs. 37,944
36 months Rs. 1,103 Rs. 5,263 Rs. 39,708
48 months Rs. 865 Rs. 7,075 Rs. 41,520
60 months Rs. 723 Rs. 8,935 Rs. 43,380
Ujaas eSpa LA
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Ujaas eSpa LA
4.6 3 user reviews
Starts at ₹ 42,924
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How Is the Ujaas eSpa LA 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. 34,445, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 1,103.

The calculation starts from the Delhi on-road price of Rs. 46,286 (ex-showroom Rs. 42,924 plus insurance, RTO and other charges).

Factors That Affect Your Ujaas eSpa LA 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. 16 to the EMI on a Rs. 34,445 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. 3,019; over 60 months it drops to Rs. 723 but you pay Rs. 7,152 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.

Ujaas eSpa LA EMI vs Rubie, X One, Neu

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

ModelOn-road PriceEMITenureInterest RateCompare
Yakuza Electric Rubie 48V Rs. 43,640 Rs. 1,030 36 months 9.45% Compare with eSpa LA
Komaki X One Graphene Rs. 43,301 Rs. 1,021 36 months 9.45% Compare with eSpa LA
Yakuza Electric Neu 48V Rs. 45,347 Rs. 1,077 36 months 9.45% Compare with eSpa LA
Komaki XGT KM Graphene Rs. 49,397 Rs. 1,188 36 months 9.45% Compare with eSpa LA

Frequently Asked Questions About Ujaas eSpa LA EMI

What is the monthly EMI for the Ujaas eSpa LA?

Rs. 1,103 a month for the STD, on a Rs. 34,445 loan at 9.45% for 3 years.

How much down payment is required for the Ujaas eSpa LA?

About Rs. 11,841 for the STD in Delhi. That's the on-road price of Rs. 46,286 minus the Rs. 34,445 loan.

How does the loan tenure affect the Ujaas eSpa LA EMI?

Over 1 year the EMI is Rs. 3,019 and you pay Rs. 1,783 in interest. Stretch it to 5 years and the EMI drops to Rs. 723, but interest rises to Rs. 8,935.

Is the Ujaas eSpa LA EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the STD costs Rs. 46,286 on-road, which includes Rs. 3,162 insurance and Rs. 200 RTO and other charges.

Does the Ujaas eSpa LA 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 Ujaas eSpa LA loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 34,445 loan comes to Rs. 1,112 a month.

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