Zelio Little Gracy EMI Calculator


Updated on November 2026
The Zelio Little Gracy EMI is Rs. 1,334 per month for 36 months at 9.45% on a loan of Rs. 41,685, with a down payment of Rs. 13,030. This is based on the Lead Acid 48V 32AH variant's on-road price of Rs. 54,715 in Delhi (ex-showroom Rs. 51,234). Use the bike loan calculator below to change the down payment, interest rate and tenure.
Also see: Little Gracy On-road price | Little Gracy Mileage

Zelio Little Gracy EMI and Down Payment

Ex-showroom
: Rs. 51,234
On-road price
: Rs. 54,715  (Delhi)
Loan amount
: Rs. 41,685  (On-road price - Down payment)
Down payment
: Rs. 13,030  (Amount paid upfront)
Monthly EMI
: Rs. 1,334  (For Tenure of 36 months @ 9.45%; banks start from 10.05%)
Insurance
: Rs. 3,281
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Zelio Little Gracy Bike Loan EMI Calculator

Variant
Lead Acid 48V 32AH
On-road price (Delhi)
Rs. 54,715
Down payment
Rs. 13,030
Loan amount
Rs. 41,685
Interest rate
9.45%
Tenure
36 months
Monthly EMI
Rs. 1,334
EMI in advance: You pay one EMI instalment in advance to the bank. This amount is EMI in arrears: You don't make any advance EMI payments. The bank disburses the loan

Zelio Little Gracy Bike Loan EMI & Loan Breakdown

Monthly EMI
Rs. 1,334
36 months @ 9.45%
  • Down paymentRs. 13,030
  • Loan amountRs. 41,685
  • Total interestRs. 6,339
  • Total loan repayment (EMIs)Rs. 48,024
  • Total purchase outlayRs. 61,054

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.

YearPrincipal paidInterest paidOutstanding loan
Year 1 Months 1-12Rs. 12,605Rs. 3,403Rs. 29,080
Year 2 Months 13-24Rs. 13,850Rs. 2,158Rs. 15,230
Year 3 Months 25-36Rs. 15,230Rs. 778Rs. 0
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Zelio Little Gracy Loan Interest Rates by Bank

Zelio Little Gracy loan rates, 36 months, loan Rs. 41,685
Lending Partners Interest Rate EMI Starting From (36 Months)
Loans From HDFC BankHDFC Bank 14.5% onwards Rs. 1,435 (36 months)
Loans From ICICI BankICICI Bank 10.05% onwards Rs. 1,346 (36 months)
Loans From Axis BankAxis Bank 11% onwards Rs. 1,365 (36 months)
Loans From Bank of Baroda BankBank of Baroda 13.65% onwards Rs. 1,418 (36 months)
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Zelio Little Gracy EMI by Tenure

For a Rs. 41,685 loan on the Lead Acid 48V 32AH at 9.45%.

Tenure EMI Total Interest Total Payable
12 months Rs. 3,654 Rs. 2,163 Rs. 43,848
24 months Rs. 1,913 Rs. 4,227 Rs. 45,912
36 months Rs. 1,334 Rs. 6,339 Rs. 48,024
48 months Rs. 1,046 Rs. 8,523 Rs. 50,208
60 months Rs. 874 Rs. 10,755 Rs. 52,440
Zelio Little Gracy
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Zelio Little Gracy
Starts at ₹ 51,234
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Zelio Little Gracy 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.

Little Gracy Variants Fuel/Transmission Ex-showroom On-road Price Loan @9.45% Down Payment EMI (36 months)
Lead Acid 48V 32AH Electric Rs. 51,234 Rs. 54,715 Rs. 41,685 Rs. 13,030 Rs. 1,334
Lead Acid 60V 32AH Electric Rs. 54,109 Rs. 57,636 Rs. 44,189 Rs. 13,447 Rs. 1,414
Lithium-ion 60V 32AH Electric Rs. 70,784 Rs. 74,577 Rs. 58,717 Rs. 15,860 Rs. 1,880

How Is the Zelio Little Gracy 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. 41,685, r = (9.45 ÷ 12) ÷ 100 = 0.007875 and n = 36 months, which gives an EMI of Rs. 1,334.

The calculation starts from the Delhi on-road price of Rs. 54,715 (ex-showroom Rs. 51,234 plus insurance, RTO and other charges).

Factors That Affect Your Zelio Little Gracy 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. 41,685 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. 3,654; over 60 months it drops to Rs. 874 but you pay Rs. 8,592 more in interest.
  • Variant and city: In Delhi the EMI ranges from Rs. 1,334 (Lead Acid 48V 32AH) to Rs. 1,880 (Lithium-ion 60V 32AH). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

Zelio Little Gracy EMI vs HF Deluxe, Radeon, HF 100

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

ModelOn-road PriceEMITenureInterest RateCompare
Hero HF Deluxe All Black OBD2B Rs. 70,955 Rs. 1,564 36 months 9.45% Compare with Little Gracy
TVS Radeon All Black Edition Rs. 69,433 Rs. 1,577 36 months 9.45% Compare with Little Gracy
Hero HF 100 Standard Rs. 71,347 Rs. 1,574 36 months 9.45% Compare with Little Gracy
Yakuza Electric Neu 48V Rs. 45,347 Rs. 1,077 36 months 9.45% Compare with Little Gracy

Frequently Asked Questions About Zelio Little Gracy EMI

What is the monthly EMI for the Zelio Little Gracy?

Rs. 1,334 a month for the Lead Acid 48V 32AH, on a Rs. 41,685 loan at 9.45% for 3 years. The top Lithium-ion 60V 32AH works out to Rs. 1,880.

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

About Rs. 13,030 for the Lead Acid 48V 32AH in Delhi. That's the on-road price of Rs. 54,715 minus the Rs. 41,685 loan.

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

Over 1 year the EMI is Rs. 3,654 and you pay Rs. 2,163 in interest. Stretch it to 5 years and the EMI drops to Rs. 874, but interest rises to Rs. 10,755.

Is the Zelio Little Gracy 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. 54,715 on-road, which includes Rs. 3,281 insurance and Rs. 200 RTO and other charges.

Does the Zelio Little Gracy 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 Little Gracy loan?

ICICI Bank, from 10.05%. At that rate the EMI on the same Rs. 41,685 loan comes to Rs. 1,346 a month.

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