Vida V2 EMI Calculator

Updated on November 2026

The Vida V2 EMI is Rs. 4,116 per month for 36 months at 9.45% on a loan of Rs. 1,28,599, with a down payment of Rs. 30,457. This is based on the Plus variant's on-road price of Rs. 1,59,056 in Delhi (ex-showroom Rs. 1,50,999). Use the bike loan calculator below to change the down payment, interest rate and tenure.

Also see: V2 On-road price | V2 Mileage

Vida V2 EMI and Down Payment

Ex-showroom

: Rs. 1,50,999

On-road price

: Rs. 1,59,056 (Delhi)

Loan amount

: Rs. 1,28,599 (On-road price - Down payment)

Down payment

: Rs. 30,457 (Amount paid upfront)

Monthly EMI

: Rs. 4,116 (For Tenure of 36 months @ 9.45%; banks start from 10.05%)

Insurance

: Rs. 5,918

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Vida V2 Bike Loan EMI Calculator

Variant: Plus
On-road price (Delhi): Rs. 1,59,056
Down payment: Rs. 30,457
Loan amount: Rs. 1,28,599
Interest rate: 9.45%
Tenure: 36 months
Monthly EMI: Rs. 4,116

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

Vida V2 Bike Loan EMI & Loan Breakdown

Monthly EMI

Rs. 4,116

36 months @ 9.45%

Down paymentRs. 30,457
Loan amountRs. 1,28,599
Total interestRs. 19,577
Total loan repayment (EMIs)Rs. 1,48,176
Total purchase outlayRs. 1,78,633

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the Plus 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. 38,895	Rs. 10,497	Rs. 89,704
Year 2 Months 13-24	Rs. 42,735	Rs. 6,657	Rs. 46,969
Year 3 Months 25-36	Rs. 46,969	Rs. 2,423	Rs. 0

Vida V2 Loan Interest Rates by Bank

Vida V2 loan rates, 36 months, loan Rs. 1,28,599
Lending Partners	Interest Rate	EMI Starting From (36 Months)
HDFC Bank	14.5% onwards	Rs. 4,427 (36 months)
ICICI Bank	10.05% onwards	Rs. 4,153 (36 months)
Axis Bank	11% onwards	Rs. 4,210 (36 months)
Bank of Baroda	13.65% onwards	Rs. 4,373 (36 months)

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Vida V2 EMI by Tenure

For a Rs. 1,28,599 loan on the Plus at 9.45%.

Tenure	EMI	Total Interest	Total Payable
12 months	Rs. 11,273	Rs. 6,677	Rs. 1,35,276
24 months	Rs. 5,902	Rs. 13,049	Rs. 1,41,648
36 months	Rs. 4,116	Rs. 19,577	Rs. 1,48,176
48 months	Rs. 3,228	Rs. 26,345	Rs. 1,54,944
60 months	Rs. 2,698	Rs. 33,281	Rs. 1,61,880

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Vida V2

3.0 2 user reviews

Starts at ₹ 1,50,999

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Vida V2 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.

V2 Variants	Fuel/Transmission	Ex-showroom	On-road Price	Loan @9.45%	Down Payment	EMI (36 months)
Plus	Electric	Rs. 1,50,999	Rs. 1,59,056	Rs. 1,28,599	Rs. 30,457	Rs. 4,116
Pro	Electric	Rs. 1,55,000	Rs. 1,61,188	Rs. 1,32,085	Rs. 29,103	Rs. 4,228

How Is the Vida V2 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 Plus variant: P = Rs. 1,28,599, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 4,116.

The calculation starts from the Delhi on-road price of Rs. 1,59,056 (ex-showroom Rs. 1,50,999 plus insurance, RTO and other charges).

Factors That Affect Your Vida V2 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. 61 to the EMI on a Rs. 1,28,599 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. 11,273; over 60 months it drops to Rs. 2,698 but you pay Rs. 26,604 more in interest.
Variant and city: In Delhi the EMI ranges from Rs. 4,116 (Plus) to Rs. 4,228 (Pro). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

Vida V2 EMI vs Hunter 350, Pulsar N160 S, R15 V4

Starting EMI of each model's base variant, worked out the same way as the Vida V2: the down payment is the on-road price minus the loan, and the rate depends on the price, so check it in each row.

Model	On-road Price	EMI	Tenure	Interest Rate	Compare
Royal Enfield Hunter 350 Base	Rs. 1,72,776	Rs. 3,744	36 months	9.45%	Compare with V2
Bajaj Pulsar N160 S STD	Rs. 1,56,531	Rs. 3,576	36 months	11.99%	Compare with V2
Yamaha R15 V4 Metallic Black	Rs. 2,00,668	Rs. 4,782	36 months	9.45%	Compare with V2
TVS Ronin Base - Lightning Black	Rs. 1,56,308	Rs. 3,553	36 months	9.45%	Compare with V2

Frequently Asked Questions About Vida V2 EMI

What is the monthly EMI for the Vida V2?

Rs. 4,116 a month for the Plus, on a Rs. 1,28,599 loan at 9.45% for 3 years. The top Pro works out to Rs. 4,228.

How much down payment is required for the Vida V2?

About Rs. 30,457 for the Plus in Delhi. That's the on-road price of Rs. 1,59,056 minus the Rs. 1,28,599 loan.

How does the loan tenure affect the Vida V2 EMI?

Over 1 year the EMI is Rs. 11,273 and you pay Rs. 6,677 in interest. Stretch it to 5 years and the EMI drops to Rs. 2,698, but interest rises to Rs. 33,281.