Bajaj NS 200 EMI Calculation (3 Year Loan, 10% Interest)
On-road price: ₹1,50,000
Downpayment: ₹15,000
Loan amount: ₹1,35,000
EMI (3 years): Around ₹4,500 per month
Monthly Bike Expenses
Petrol (500 km monthly, 35 kmpl, ₹100/ltr): ₹1,400 – ₹1,500
Service & maintenance (average per month): ₹500
Insurance (₹5,000 yearly): ₹400
Total running cost = ₹2,300 per month
Total Bike Cost Per Month
EMI + Running cost = ₹4,500 + ₹2,300 = ₹6,800
Personal Life Expenses
Food & kitchen: ₹4,000 – ₹5,000
Mobile recharge & internet: ₹300 – ₹500
Medicines / health: ₹500
Entertainment & outings: ₹1,000 – ₹1,500
Other daily expenses (clothes, gifts, travel): ₹1,000
Total personal = Around ₹8,000
Grand Total Needed
Bike expenses (₹6,800) + Personal life (₹8,000) = ₹14,800 per month
Minimum income required: ₹15,000
Safe income (no pressure, comfortable lifestyle): ₹18,000+
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