Yamaha R15 EMI Calculation (5 Year Loan, 10% Interest)
On-road price: ₹2,00,000
Downpayment: ₹20,000
Loan amount: ₹1,80,000
EMI (5 years): Around ₹3,825 per month
Monthly Bike Expenses
Petrol (500 km, 40 kmpl, ₹100/ltr): ₹1,200 – ₹1,300
Service & maintenance (average): ₹600
Insurance (₹6,000 yearly): ₹500
Total running cost = ₹2,400 per month
Total Bike Cost Per Month
EMI + Running cost = ₹3,825 + ₹2,400 = ₹6,225
Personal Life Expenses
Food & kitchen: ₹4,000 – ₹5,000
Mobile recharge & internet: ₹300 – ₹500
Medicines / health: ₹500
Entertainment & outings: ₹1,000 – ₹1,500
Other expenses (clothes, gifts, travel): ₹1,000
Total personal = Around ₹8,000
Grand Total Needed
Bike expenses (₹6,225) + Personal life (₹8,000) = ₹14,225 per month
Minimum income required: ₹15,000
Safe income (no pressure): ₹20,000+
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