Zelio Eeva Eco EMI Calculator

Updated on November 2026

The Zelio Eeva Eco EMI is Rs. 1,340 per month for 36 months at 9.45% on a loan of Rs. 41,859, with a down payment of Rs. 13,059. This is based on the Lead Acid 48V 32Ah variant's on-road price of Rs. 54,918 in Delhi (ex-showroom Rs. 51,434). Use the bike loan calculator below to change the down payment, interest rate and tenure.

Also see: Eeva Eco On-road price | Eeva Eco Mileage

Zelio Eeva Eco EMI and Down Payment

Zelio Eeva Eco Lead Acid 48V 32Ah – EMI calculator

Ex-showroom

: Rs. 51,434

On-road price

: Rs. 54,918 (Delhi)

Loan amount

: Rs. 41,859 (On-road price - Down payment)

Down payment

: Rs. 13,059 (Amount paid upfront)

Monthly EMI

: Rs. 1,340 (For Tenure of 36 months @ 9.45%; banks start from 10.05%)

Insurance

: Rs. 3,284

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Zelio Eeva Eco Bike Loan EMI Calculator

Variant: Lead Acid 48V 32Ah
On-road price (Delhi): Rs. 54,918
Down payment: Rs. 13,059
Loan amount: Rs. 41,859
Interest rate: 9.45%
Tenure: 36 months
Monthly EMI: Rs. 1,340

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

Zelio Eeva Eco Bike Loan EMI & Loan Breakdown

Monthly EMI

Rs. 1,340

36 months @ 9.45%

Down paymentRs. 13,059
Loan amountRs. 41,859
Total interestRs. 6,381
Total loan repayment (EMIs)Rs. 48,240
Total purchase outlayRs. 61,299

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the Lead Acid 48V 32Ah 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. 12,663	Rs. 3,417	Rs. 29,196
Year 2 Months 13-24	Rs. 13,914	Rs. 2,166	Rs. 15,282
Year 3 Months 25-36	Rs. 15,282	Rs. 798	Rs. 0

Zelio Eeva Eco Loan Interest Rates by Bank

Zelio Eeva Eco loan rates, 36 months, loan Rs. 41,859
Lending Partners	Interest Rate	EMI Starting From (36 Months)
HDFC Bank	14.5% onwards	Rs. 1,441 (36 months)
ICICI Bank	10.05% onwards	Rs. 1,352 (36 months)
Axis Bank	11% onwards	Rs. 1,370 (36 months)
Bank of Baroda	13.65% onwards	Rs. 1,424 (36 months)

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Zelio Eeva Eco EMI by Tenure

For a Rs. 41,859 loan on the Lead Acid 48V 32Ah at 9.45%.

Tenure	EMI	Total Interest	Total Payable
12 months	Rs. 3,669	Rs. 2,169	Rs. 44,028
24 months	Rs. 1,921	Rs. 4,245	Rs. 46,104
36 months	Rs. 1,340	Rs. 6,381	Rs. 48,240
48 months	Rs. 1,051	Rs. 8,589	Rs. 50,448
60 months	Rs. 878	Rs. 10,821	Rs. 52,680

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Zelio Eeva Eco

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Starts at ₹ 51,434

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Zelio Eeva Eco 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.

Eeva Eco Variants	Fuel/Transmission	Ex-showroom	On-road Price	Loan @9.45%	Down Payment	EMI (36 months)
Lead Acid 48V 32Ah	Electric	Rs. 51,434	Rs. 54,918	Rs. 41,859	Rs. 13,059	Rs. 1,340
ZX Lead Acid 60V 32 Ah	Electric	Rs. 51,509	Rs. 54,795	Rs. 41,924	Rs. 12,871	Rs. 1,342
LX Lead Acid 60V 32 Ah	Electric	Rs. 51,551	Rs. 54,853	Rs. 41,961	Rs. 12,892	Rs. 1,343
Lead Acid 60V 32Ah	Electric	Rs. 54,309	Rs. 57,839	Rs. 44,363	Rs. 13,476	Rs. 1,420
Lead Acid 60V 42Ah	Electric	Rs. 61,209	Rs. 64,868	Rs. 50,375	Rs. 14,493	Rs. 1,612
Lithium Ion 60V 32Ah	Electric	Rs. 68,484	Rs. 72,240	Rs. 56,713	Rs. 15,527	Rs. 1,815

How Is the Zelio Eeva Eco 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 Lead Acid 48V 32Ah variant: P = Rs. 41,859, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 1,340.

The calculation starts from the Delhi on-road price of Rs. 54,918 (ex-showroom Rs. 51,434 plus insurance, RTO and other charges).

Factors That Affect Your Zelio Eeva Eco 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. 20 to the EMI on a Rs. 41,859 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. 3,669; over 60 months it drops to Rs. 878 but you pay Rs. 8,652 more in interest.
Variant and city: In Delhi the EMI ranges from Rs. 1,340 (Lead Acid 48V 32Ah) to Rs. 1,815 (Lithium Ion 60V 32Ah). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

Zelio Eeva Eco EMI vs HF Deluxe, Radeon, HF 100

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

Model	On-road Price	EMI	Tenure	Interest Rate	Compare
Hero HF Deluxe All Black OBD2B	Rs. 70,955	Rs. 1,564	36 months	9.45%	Compare with Eeva Eco
TVS Radeon All Black Edition	Rs. 69,433	Rs. 1,577	36 months	9.45%	Compare with Eeva Eco
Hero HF 100 Standard	Rs. 71,347	Rs. 1,574	36 months	9.45%	Compare with Eeva Eco
Yakuza Electric Neu 48V	Rs. 45,347	Rs. 1,077	36 months	9.45%	Compare with Eeva Eco

Frequently Asked Questions About Zelio Eeva Eco EMI

What is the monthly EMI for the Zelio Eeva Eco ?

Rs. 1,340 a month for the Lead Acid 48V 32Ah, on a Rs. 41,859 loan at 9.45% for 3 years. The top Lithium Ion 60V 32Ah works out to Rs. 1,815.

How much down payment is required for the Zelio Eeva Eco ?

About Rs. 13,059 for the Lead Acid 48V 32Ah in Delhi. That's the on-road price of Rs. 54,918 minus the Rs. 41,859 loan.

How does the loan tenure affect the Zelio Eeva Eco EMI?

Over 1 year the EMI is Rs. 3,669 and you pay Rs. 2,169 in interest. Stretch it to 5 years and the EMI drops to Rs. 878, but interest rises to Rs. 10,821.

Is the Zelio Eeva Eco EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the Lead Acid 48V 32Ah costs Rs. 54,918 on-road, which includes Rs. 3,284 insurance and Rs. 200 RTO and other charges.

Does the Zelio Eeva Eco 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 Zelio Eeva Eco loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 41,859 loan comes to Rs. 1,352 a month.

Ask or read owner questions on Zelio Eeva Eco Q&A

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