Yakuza Rubie EMI Calculator

Updated on November 2026

The Yakuza Rubie EMI is Rs. 1,030 per month for 36 months at 9.45% on a loan of Rs. 32,176, with a down payment of Rs. 11,451. This is based on the 48V variant's on-road price of Rs. 43,627 in Nanded (ex-showroom Rs. 40,320). Use the bike loan calculator below to change the down payment, interest rate and tenure.

Also see: Rubie On-road price | Rubie Mileage

Yakuza Rubie EMI and Down Payment

Yakuza Electric Rubie 48V – EMI calculator

Ex-showroom

: Rs. 40,320

On-road price

: Rs. 43,627 (Nanded)

Loan amount

: Rs. 32,176 (On-road price - Down payment)

Down payment

: Rs. 11,451 (Amount paid upfront)

Monthly EMI

: Rs. 1,030 (For Tenure of 36 months @ 9.45%; banks start from 10.05%)

Insurance

: Rs. 3,107

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Yakuza Rubie Bike Loan EMI Calculator

Variant: 48V
On-road price (Nanded): Rs. 43,627
Down payment: Rs. 11,451
Loan amount: Rs. 32,176
Interest rate: 9.45%
Tenure: 36 months
Monthly EMI: Rs. 1,030

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

Yakuza Rubie Bike Loan EMI & Loan Breakdown

Monthly EMI

Rs. 1,030

36 months @ 9.45%

Down paymentRs. 11,451
Loan amountRs. 32,176
Total interestRs. 4,904
Total loan repayment (EMIs)Rs. 37,080
Total purchase outlayRs. 48,531

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the 48V 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. 9,734	Rs. 2,626	Rs. 22,442
Year 2 Months 13-24	Rs. 10,694	Rs. 1,666	Rs. 11,748
Year 3 Months 25-36	Rs. 11,748	Rs. 612	Rs. 0

Yakuza Rubie Loan Interest Rates by Bank

Yakuza Rubie loan rates, 36 months, loan Rs. 32,176
Lending Partners	Interest Rate	EMI Starting From (36 Months)
HDFC Bank	14.5% onwards	Rs. 1,108 (36 months)
ICICI Bank	10.05% onwards	Rs. 1,039 (36 months)
Axis Bank	11% onwards	Rs. 1,053 (36 months)
Bank of Baroda	13.65% onwards	Rs. 1,094 (36 months)

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Yakuza Rubie EMI by Tenure

For a Rs. 32,176 loan on the 48V at 9.45%.

Tenure	EMI	Total Interest	Total Payable
12 months	Rs. 2,821	Rs. 1,676	Rs. 33,852
24 months	Rs. 1,477	Rs. 3,272	Rs. 35,448
36 months	Rs. 1,030	Rs. 4,904	Rs. 37,080
48 months	Rs. 808	Rs. 6,608	Rs. 38,784
60 months	Rs. 675	Rs. 8,324	Rs. 40,500

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Yakuza Rubie

4.3 3 user reviews

Starts at ₹ 40,320

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Yakuza Rubie Variant-Wise EMI

On-road prices in Nanded. 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.

Rubie Variants	Fuel/Transmission	Ex-showroom	On-road Price	Loan @9.45%	Down Payment	EMI (36 months)
48V	Electric	Rs. 40,320	Rs. 43,627	Rs. 32,176	Rs. 11,451	Rs. 1,030
60V	Electric	Rs. 42,560	Rs. 45,903	Rs. 34,128	Rs. 11,775	Rs. 1,092
72V	Electric	Rs. 45,360	Rs. 48,748	Rs. 36,567	Rs. 12,181	Rs. 1,170
60V, 43Ah	Electric	Rs. 48,160	Rs. 51,592	Rs. 39,007	Rs. 12,585	Rs. 1,249

How Is the Yakuza Rubie 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 48V variant: P = Rs. 32,176, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 1,030.

The calculation starts from the Nanded on-road price of Rs. 43,627 (ex-showroom Rs. 40,320 plus insurance, RTO and other charges).

Factors That Affect Your Yakuza Rubie 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. 15 to the EMI on a Rs. 32,176 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. 2,821; over 60 months it drops to Rs. 675 but you pay Rs. 6,648 more in interest.
Variant and city: In Nanded the EMI ranges from Rs. 1,030 (48V) to Rs. 1,249 (60V, 43Ah). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

Yakuza Rubie EMI vs X One, Neu, XGT KM

Starting EMI of each model's base variant, worked out the same way as the Yakuza Rubie: 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 Rubie
Yakuza Electric Neu 48V	Rs. 45,334	Rs. 1,077	36 months	9.45%	Compare with Rubie
Komaki XGT KM Graphene	Rs. 49,397	Rs. 1,188	36 months	9.45%	Compare with Rubie
Zelo Zoop Graphene 48V	Rs. 49,296	Rs. 1,186	36 months	9.45%	Compare with Rubie

Frequently Asked Questions About Yakuza Rubie EMI

What is the monthly EMI for the Yakuza Rubie?

Rs. 1,030 a month for the 48V, on a Rs. 32,176 loan at 9.45% for 3 years. The top 60V, 43Ah works out to Rs. 1,249.

How much down payment is required for the Yakuza Rubie?

About Rs. 11,451 for the 48V in Nanded. That's the on-road price of Rs. 43,627 minus the Rs. 32,176 loan.

How does the loan tenure affect the Yakuza Rubie EMI?

Over 1 year the EMI is Rs. 2,821 and you pay Rs. 1,676 in interest. Stretch it to 5 years and the EMI drops to Rs. 675, but interest rises to Rs. 8,324.

Is the Yakuza Rubie EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Nanded the 48V costs Rs. 43,627 on-road, which includes Rs. 3,107 insurance and Rs. 200 RTO and other charges.

Does the Yakuza Rubie 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 Yakuza Rubie loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 32,176 loan comes to Rs. 1,039 a month.

Ask or read owner questions on Yakuza Rubie Q&A

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