Zelio Gracy Pro EMI Calculator

Updated on November 2026

The Zelio Gracy Pro EMI is Rs. 1,976 per month for 36 months at 9.45% on a loan of Rs. 61,722, with a down payment of Rs. 16,359. This is based on the Lead Acid 60V 32Ah variant's on-road price of Rs. 78,081 in Delhi (ex-showroom Rs. 74,234). Use the bike loan calculator below to change the down payment, interest rate and tenure.

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

Zelio Gracy Pro EMI and Down Payment

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

Ex-showroom

: Rs. 74,234

On-road price

: Rs. 78,081 (Delhi)

Loan amount

: Rs. 61,722 (On-road price - Down payment)

Down payment

: Rs. 16,359 (Amount paid upfront)

Monthly EMI

: Rs. 1,976 (For Tenure of 36 months @ 9.45%; banks start from 10.05%)

Insurance

: Rs. 3,647

View November Offers View EMI Offers

Zelio Gracy Pro Bike Loan EMI Calculator

Variant: Lead Acid 60V 32Ah
On-road price (Delhi): Rs. 78,081
Down payment: Rs. 16,359
Loan amount: Rs. 61,722
Interest rate: 9.45%
Tenure: 36 months
Monthly EMI: Rs. 1,976

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.
..Read More
..Read Less
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 Pro Bike Loan EMI & Loan Breakdown

Monthly EMI

Rs. 1,976

36 months @ 9.45%

Down paymentRs. 16,359
Loan amountRs. 61,722
Total interestRs. 9,414
Total loan repayment (EMIs)Rs. 71,136
Total purchase outlayRs. 87,495

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the Lead Acid 60V 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. 18,674	Rs. 5,038	Rs. 43,048
Year 2 Months 13-24	Rs. 20,518	Rs. 3,194	Rs. 22,530
Year 3 Months 25-36	Rs. 22,530	Rs. 1,182	Rs. 0

Zelio Gracy Pro Loan Interest Rates by Bank

Zelio Gracy Pro loan rates, 36 months, loan Rs. 61,722
Lending Partners	Interest Rate	EMI Starting From (36 Months)
HDFC Bank	14.5% onwards	Rs. 2,125 (36 months)
ICICI Bank	10.05% onwards	Rs. 1,993 (36 months)
Axis Bank	11% onwards	Rs. 2,021 (36 months)
Bank of Baroda	13.65% onwards	Rs. 2,099 (36 months)

Apply Now

Zelio Gracy Pro EMI by Tenure

For a Rs. 61,722 loan on the Lead Acid 60V 32Ah at 9.45%.

Tenure	EMI	Total Interest	Total Payable
12 months	Rs. 5,411	Rs. 3,210	Rs. 64,932
24 months	Rs. 2,833	Rs. 6,270	Rs. 67,992
36 months	Rs. 1,976	Rs. 9,414	Rs. 71,136
48 months	Rs. 1,549	Rs. 12,630	Rs. 74,352
60 months	Rs. 1,295	Rs. 15,978	Rs. 77,700

Images | Colours

Zelio Gracy Pro

4.6 2 user reviews

Starts at ₹ 74,234

View November Offers

Zelio Gracy Pro 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.

Gracy Pro Variants	Fuel/Transmission	Ex-showroom	On-road Price	Loan @9.45%	Down Payment	EMI (36 months)
Lead Acid 60V 32Ah	Electric	Rs. 74,234	Rs. 78,081	Rs. 61,722	Rs. 16,359	Rs. 1,976
Lead Acid 72V 32Ah	Electric	Rs. 77,109	Rs. 81,002	Rs. 64,227	Rs. 16,775	Rs. 2,056
Lithium-Ion 60V 32Ah	Electric	Rs. 90,909	Rs. 95,022	Rs. 76,249	Rs. 18,773	Rs. 2,441
Lithium-Ion 74V 32Ah	Electric	Rs. 96,659	Rs. 1,00,864	Rs. 81,258	Rs. 19,606	Rs. 2,601

How Is the Zelio Gracy Pro 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 60V 32Ah variant: P = Rs. 61,722, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 1,976.

The calculation starts from the Delhi on-road price of Rs. 78,081 (ex-showroom Rs. 74,234 plus insurance, RTO and other charges).

Factors That Affect Your Zelio Gracy Pro 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. 29 to the EMI on a Rs. 61,722 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. 5,411; over 60 months it drops to Rs. 1,295 but you pay Rs. 12,768 more in interest.
Variant and city: In Delhi the EMI ranges from Rs. 1,976 (Lead Acid 60V 32Ah) to Rs. 2,601 (Lithium-Ion 74V 32Ah). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

Zelio Gracy Pro EMI vs Splendor Plus, Activa, Splendor Plus XTEC

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

Model	On-road Price	EMI	Tenure	Interest Rate	Compare
Hero Splendor Plus Standard	Rs. 93,372	Rs. 2,106	36 months	9.45%	Compare with Gracy Pro
Honda Activa STD	Rs. 92,175	Rs. 2,035	36 months	9.45%	Compare with Gracy Pro
Hero Splendor Plus XTEC Drum	Rs. 95,510	Rs. 2,204	36 months	9.45%	Compare with Gracy Pro
TVS Raider Drum	Rs. 97,759	Rs. 2,261	36 months	9.45%	Compare with Gracy Pro

Frequently Asked Questions About Zelio Gracy Pro EMI

What is the monthly EMI for the Zelio Gracy Pro?

Rs. 1,976 a month for the Lead Acid 60V 32Ah, on a Rs. 61,722 loan at 9.45% for 3 years. The top Lithium-Ion 74V 32Ah works out to Rs. 2,601.

How much down payment is required for the Zelio Gracy Pro?

About Rs. 16,359 for the Lead Acid 60V 32Ah in Delhi. That's the on-road price of Rs. 78,081 minus the Rs. 61,722 loan.

How does the loan tenure affect the Zelio Gracy Pro EMI?

Over 1 year the EMI is Rs. 5,411 and you pay Rs. 3,210 in interest. Stretch it to 5 years and the EMI drops to Rs. 1,295, but interest rises to Rs. 15,978.

Is the Zelio Gracy Pro EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the Lead Acid 60V 32Ah costs Rs. 78,081 on-road, which includes Rs. 3,647 insurance and Rs. 200 RTO and other charges.

Does the Zelio Gracy Pro 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 Gracy Pro loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 61,722 loan comes to Rs. 1,993 a month.

Ask or read owner questions on Zelio Gracy Pro Q&A

Zelio Bikes in India

Zelio Eeva Rs. 58,334
Zelio Gracy Rs. 63,884
Zelio Gracy i Rs. 60,659
Zelio Eeva Eco Rs. 51,434
Zelio X Men 2.0 Rs. 75,384

Zelio Bikes in India

Popular Electric Bikes

Flying Flea C6 (Royal Enfield) Rs. 1.99 Lakh
Oben Rorr Evo Rs. 1.40 Lakh
Ultraviolette F77 Rs. 3.09 Lakh
Revolt RV400 Rs. 1.40 Lakh
Ultraviolette X47 Venom Rs. 2.65 Lakh

View All Popular Electric Bikes