Zelio Gracy EMI Calculator

Updated on October 2026

The Zelio Gracy EMI is Rs. 1,687 per month for 36 months at 9.45% on a loan of Rs. 52,706, with a down payment of Rs. 14,661. This is based on the Lead Acid 60V 32AH variant's on-road price of Rs. 67,367 in Delhi (ex-showroom Rs. 63,884). Use the bike loan calculator below to change the down payment, interest rate and tenure.

Also see: Gracy On-road price | Gracy Mileage

Zelio Gracy EMI and Down Payment (Delhi)

Zelio Gracy Lead Acid 60V 32AH – EMI calculator

Ex-showroom

: Rs. 63,884

On-road price

: Rs. 67,367 (Delhi)

Loan amount

: Rs. 52,706 (On-road - Down payment)

Down payment

: Rs. 14,661 (On-road - Loan amount)

Monthly EMI

: Rs. 1,687 (For Tenure of 36 months @ 9.45%; banks start from 10.05%)

Insurance

: Rs. 3,483

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Zelio Gracy Bike Loan EMI Calculator

On-road price (Delhi): Rs. 67,367
Down payment: Rs. 14,661
Loan amount: Rs. 52,706
Interest rate: 9.45%
Tenure: 36 months
Monthly EMI: Rs. 1,687
Total interest: Rs. 8,026
Total payable: Rs. 60,732

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 Loan Interest Rates by Bank

Zelio Gracy loan rates, 36 months, loan Rs. 52,706
Lending Partners	Interest Rate	EMI Starting From (36 Months)
HDFC Bank	14.5% onwards	Rs. 1,814 (36 months)
ICICI Bank	10.05% onwards	Rs. 1,702 (36 months)
Axis Bank	11% onwards	Rs. 1,726 (36 months)
Bank of Baroda	13.65% onwards	Rs. 1,792 (36 months)

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Zelio Gracy EMI by Tenure

For a Rs. 52,706 loan on the Lead Acid 60V 32AH electric at 9.45%.

Tenure	EMI	Total Interest	Total Payable
12 months	Rs. 4,620	Rs. 2,734	Rs. 55,440
24 months	Rs. 2,419	Rs. 5,350	Rs. 58,056
36 months	Rs. 1,687	Rs. 8,026	Rs. 60,732
48 months	Rs. 1,323	Rs. 10,798	Rs. 63,504
60 months	Rs. 1,106	Rs. 13,654	Rs. 66,360

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Zelio Gracy

Starts at ₹ 63,884

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Zelio Gracy Variant-wise EMI & Down Payment

Gracy Variants	Fuel/Transmission	Ex-showroom	Loan @9.45%	Down Payment	EMI (36 months)
Lead Acid 60V 32AH	Electric	Rs. 63,884	Rs. 52,706	Rs. 14,661	Rs. 1,687
Lead Acid 72V 32AH	Electric	Rs. 66,759	Rs. 55,210	Rs. 15,077	Rs. 1,767
Lead Acid 60V 42AH	Electric	Rs. 70,784	Rs. 58,717	Rs. 15,660	Rs. 1,880
Lead Acid 72V 42AH	Electric	Rs. 75,039	Rs. 62,423	Rs. 16,276	Rs. 1,998
Lithium-ion 60V 32AH	Electric	Rs. 80,559	Rs. 67,232	Rs. 17,075	Rs. 2,152
Lithium-ion 74V 32AH	Electric	Rs. 86,309	Rs. 72,242	Rs. 17,907	Rs. 2,312

Zelio Gracy EMI vs Activa, HF Deluxe, Jupiter

Honda Activa
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Hero HF Deluxe
Rs. 59,477
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Jupiter EMI Compare with Gracy
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TVS Radeon
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Radeon EMI Compare with Gracy

Zelio Gracy EMI FAQs

What is the EMI for the Zelio Gracy?

Rs. 1,687 per month for the Lead Acid 60V 32AH variant (loan Rs. 52,706, 9.45%, 36 months). Over 60 months it is Rs. 1,106.

What is the down payment for the Zelio Gracy?

Rs. 14,661 for Lead Acid 60V 32AH, Rs. 15,077 for Lead Acid 72V 32AH, Rs. 15,660 for Lead Acid 60V 42AH and Rs. 17,907 for Lithium-ion 74V 32AH in ZigWheels' default calculation.

What is the EMI for the Zelio Gracy Lithium-ion 74V 32AH variant?

Rs. 2,312 per month on a loan of Rs. 72,242 at 9.45% for 36 months.

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

Of the listed partners, ICICI Bank starts at 10.05% (EMI Rs. 1,702 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 loan?

Rs. 8,026 over 36 months on the Lead Acid 60V 32AH loan at 9.45%.

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

Rs. 67,367 in Delhi: ex-showroom Rs. 63,884, insurance Rs. 3,483, 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 Zelio Gracy Q&A

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