Warivo Neo EMI Calculator

Updated on October 2026

The Warivo Neo EMI is Rs. 1,021 per month for 36 months at 9.45% on a loan of Rs. 31,897, with a down payment of Rs. 11,204. This is based on the STD variant's on-road price of Rs. 43,101 in Bhayandar (ex-showroom Rs. 39,999). Use the bike loan calculator below to change the down payment, interest rate and tenure.

Also see: Neo On-road price | Neo Mileage

Warivo Neo EMI and Down Payment (Bhayandar)

Ex-showroom

: Rs. 39,999

On-road price

: Rs. 43,101 (Bhayandar)

Loan amount

: Rs. 31,897 (On-road - Down payment)

Down payment

: Rs. 11,204 (On-road - Loan amount)

Monthly EMI

: Rs. 1,021 (For Tenure of 36 months @ 9.45%; banks start from 10.05%)

Insurance

: Rs. 3,102

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Warivo Neo Bike Loan EMI Calculator

On-road price (Bhayandar): Rs. 43,101
Down payment: Rs. 11,204
Loan amount: Rs. 31,897
Interest rate: 9.45%
Tenure: 36 months
Monthly EMI: Rs. 1,021
Total interest: Rs. 4,859
Total payable: Rs. 36,756

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

Warivo Neo Loan Interest Rates by Bank

Warivo Neo loan rates, 36 months, loan Rs. 31,897
Lending Partners	Interest Rate	EMI Starting From (36 Months)
HDFC Bank	14.5% onwards	Rs. 1,098 (36 months)
ICICI Bank	10.05% onwards	Rs. 1,030 (36 months)
Axis Bank	11% onwards	Rs. 1,044 (36 months)
Bank of Baroda	13.65% onwards	Rs. 1,085 (36 months)

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Warivo Neo EMI by Tenure

For a Rs. 31,897 loan on the STD electric at 9.45%.

Tenure	EMI	Total Interest	Total Payable
12 months	Rs. 2,796	Rs. 1,655	Rs. 33,552
24 months	Rs. 1,464	Rs. 3,239	Rs. 35,136
36 months	Rs. 1,021	Rs. 4,859	Rs. 36,756
48 months	Rs. 801	Rs. 6,551	Rs. 38,448
60 months	Rs. 669	Rs. 8,243	Rs. 40,140

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Warivo Neo

Starts at ₹ 39,999

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Warivo Neo EMI vs X One, Rubie, Neu

Komaki X One
Rs. 34,999
X One EMI Compare with Neo
Yakuza Electric Rubie
Rs. 38,080
Rubie EMI Compare with Neo
Yakuza Electric Neu
Rs. 39,760
Neu EMI Compare with Neo
Warivo Motors Edge
Rs. 44,999
Edge EMI Compare with Neo

Warivo Neo EMI FAQs

What is the EMI for the Warivo Neo?

Rs. 1,021 per month for the STD variant (loan Rs. 31,897, 9.45%, 36 months). Over 60 months it is Rs. 669.

What is the down payment for the Warivo Neo?

Rs. 11,204 for STD in ZigWheels' default calculation.

Which bank has the lowest rate for a Warivo Neo loan?

Of the listed partners, ICICI Bank starts at 10.05% (EMI Rs. 1,030 for 36 months). Axis Bank 11%, Bank of Baroda 13.65%, HDFC Bank 14.5%.

How much total interest will I pay on a Warivo Neo loan?

Rs. 4,859 over 36 months on the STD loan at 9.45%.

What on-road price is the Warivo Neo EMI based on?

Rs. 43,101 in Bhayandar: ex-showroom Rs. 39,999, insurance Rs. 3,102, RTO and other charges Rs. 0.

What is the difference between EMI in advance and EMI in arrears?

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. EMI in arrears: You don't make any advance EMI payments. The bank disburses the loan amount minus any other one time fees.

Ask or read owner questions on Warivo Neo Q&A

Warivo Motors Bikes in India

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