Zelio Gracy i EMI Calculator

Updated on October 2026

The Zelio Gracy i EMI is Rs. 1,597 per month for 36 months at 9.45% on a loan of Rs. 49,895, with a down payment of Rs. 14,395. This is based on the Lead Acid 60V 32Ah variant's on-road price of Rs. 64,290 in Delhi (ex-showroom Rs. 60,659). Use the bike loan calculator below to change the down payment, interest rate and tenure.

Also see: Gracy i On-road price | Gracy i Mileage

Zelio Gracy i EMI and Down Payment (Delhi)

Zelio Gracy i Lead Acid 60V 32Ah – EMI calculator

Ex-showroom

: Rs. 60,659

On-road price

: Rs. 64,290 (Delhi)

Loan amount

: Rs. 49,895 (On-road - Down payment)

Down payment

: Rs. 14,395 (On-road - Loan amount)

Monthly EMI

: Rs. 1,597 (For Tenure of 36 months @ 9.45%; banks start from 10.05%)

Insurance

: Rs. 3,431

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Zelio Gracy i Bike Loan EMI Calculator

On-road price (Delhi): Rs. 64,290
Down payment: Rs. 14,395
Loan amount: Rs. 49,895
Interest rate: 9.45%
Tenure: 36 months
Monthly EMI: Rs. 1,597
Total interest: Rs. 7,597
Total payable: Rs. 57,492

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 Gracy i Loan Interest Rates by Bank

Zelio Gracy i loan rates, 36 months, loan Rs. 49,895
Lending Partners	Interest Rate	EMI Starting From (36 Months)
HDFC Bank	14.5% onwards	Rs. 1,717 (36 months)
ICICI Bank	10.05% onwards	Rs. 1,611 (36 months)
Axis Bank	11% onwards	Rs. 1,633 (36 months)
Bank of Baroda	13.65% onwards	Rs. 1,697 (36 months)

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Zelio Gracy i EMI by Tenure

For a Rs. 49,895 loan on the Lead Acid 60V 32Ah electric at 9.45%.

Tenure	EMI	Total Interest	Total Payable
12 months	Rs. 4,374	Rs. 2,593	Rs. 52,488
24 months	Rs. 2,290	Rs. 5,065	Rs. 54,960
36 months	Rs. 1,597	Rs. 7,597	Rs. 57,492
48 months	Rs. 1,252	Rs. 10,201	Rs. 60,096
60 months	Rs. 1,047	Rs. 12,925	Rs. 62,820

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Zelio Gracy i

Starts at ₹ 60,659

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Zelio Gracy i Variant-wise EMI & Down Payment

Gracy i Variants	Fuel/Transmission	Ex-showroom	Loan @9.45%	Down Payment	EMI (36 months)
Lead Acid 60V 32Ah	Electric	Rs. 60,659	Rs. 49,895	Rs. 14,395	Rs. 1,597
Lead Acid 72V 32Ah	Electric	Rs. 63,534	Rs. 52,401	Rs. 14,829	Rs. 1,677
Lead Acid 60V 42Ah	Electric	Rs. 67,559	Rs. 55,907	Rs. 15,414	Rs. 1,790
Lead Acid 72V 42Ah	Electric	Rs. 69,314	Rs. 57,436	Rs. 15,647	Rs. 1,839
Lithium-Ion 60V 32Ah	Electric	Rs. 74,834	Rs. 62,245	Rs. 16,446	Rs. 1,992
Lithium-Ion 74V 32Ah	Electric	Rs. 80,584	Rs. 67,254	Rs. 17,279	Rs. 2,153

Zelio Gracy i EMI vs HF Deluxe, Radeon, Pleasure Plus

Hero HF Deluxe
Rs. 59,477
HF Deluxe EMI Compare with Gracy i
TVS Radeon
Rs. 58,850
Radeon EMI Compare with Gracy i
Hero Pleasure Plus
Rs. 69,766
Pleasure Plus EMI Compare with Gracy i
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Rs. 65,643
Shine 100 EMI Compare with Gracy i
Hero HF Deluxe Pro
Rs. 72,620
HF Deluxe Pro EMI Compare with Gracy i

Zelio Gracy i EMI FAQs

What is the EMI for the Zelio Gracy i?

Rs. 1,597 per month for the Lead Acid 60V 32Ah variant (loan Rs. 49,895, 9.45%, 36 months). Over 60 months it is Rs. 1,047.

What is the down payment for the Zelio Gracy i?

Rs. 14,395 for Lead Acid 60V 32Ah, Rs. 14,829 for Lead Acid 72V 32Ah, Rs. 15,414 for Lead Acid 60V 42Ah and Rs. 17,279 for Lithium-Ion 74V 32Ah in ZigWheels' default calculation.

What is the EMI for the Zelio Gracy i Lithium-Ion 74V 32Ah variant?

Rs. 2,153 per month on a loan of Rs. 67,254 at 9.45% for 36 months.

Which bank has the lowest rate for a Zelio Gracy i loan?

Of the listed partners, ICICI Bank starts at 10.05% (EMI Rs. 1,611 for 36 months). Axis Bank 11%, Bank of Baroda 13.65%, HDFC Bank 14.5%.

How much total interest will I pay on a Zelio Gracy i loan?

Rs. 7,597 over 36 months on the Lead Acid 60V 32Ah loan at 9.45%.

What on-road price is the Zelio Gracy i EMI based on?

Rs. 64,290 in Delhi: ex-showroom Rs. 60,659, insurance Rs. 3,431, RTO and other charges Rs. 200.

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 Zelio Gracy i Q&A

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