2025 Hero HF 100 EMI Calculator: Most Affordable Bike To Finance [₹1,807/month]

Hero HF 100 is the most affordable bike from Hero MotoCorp, launched in 2021 and now, the OBD update has further increased its popularity.

Table of Contents

Hero HF 100 EMI Calculator

Select Variant

Bike Price

50K

10L

20L

Down Payment

10K

25K

50K

Illustrative Interest Rate (p.a.)*

10%

15%

20%

30%

Loan Tenure

12M

24M

36M

48M

60M

Monthly Income

10K

25K

50K

Monthly EMI

₹0

Loan Amount: ₹0

Total Interest Payable: ₹0

Total Amount Payable: ₹0

Final Amount (Down Payment + Total Amount): ₹0

12 Months EMI: ₹0

24 Months EMI: ₹0

36 Months EMI: ₹0

Loan Amount

Interest

Hero HF 100 EMI On Road Price All Variants

In the 2025 Hero HF 100 new model, sleek graphics and two attractive color options (Red Black and Blue Black) have been added. Besides this, the bike lacks premium features like the ideal i3S technology, which saves fuel when the bike stops in traffic.

The on road price of Hero HF 100 in Mumbai starts at ₹63,536 so it become obvious why i3S feature is exclusive to Hero HF Deluxe (₹ 79,750). Hero sells this bike in two variants, both catered for daily commuters.

Variant	Ex-Showroom Price (Mumbai)	On-Road Price (Mumbai)
STD (non-OBD-2B)	₹51,099	₹63,536
STD (OBD-2B)	₹60,118	₹68,360 – ₹70,751

Source: Bikewale

Hero HF 100 Down Payment And EMI

This bike offers one of the most affordable EMI plans in India starting at ₹1,804/month for a loan of ₹55,912 at 10% interest rate for 36 months. Please note all numerical details may vary based on location and even individual dealers.

12-Month Tenure (Lowest Interest)

Variant	On-Road	Down	Loan	EMI	Total	Interest
STD (non-OBD-2B)	₹63,536	₹7,624	₹55,912	₹4,916	₹66,611	₹3,075
STD (OBD-2B)	₹70,751	₹8,490	₹62,261	₹5,474	₹74,175	₹3,424

24-Month Tenure (Balanced)

Variant	On-Road	Down	Loan	EMI	Total	Interest
STD (non-OBD-2B)	₹63,536	₹7,624	₹55,912	₹2,580	₹69,545	₹6,009
STD (OBD-2B)	₹70,751	₹8,490	₹62,261	₹2,873	₹77,443	₹6,692

EMI drops 47% vs 12-month plan
Interest doubles

36-Month Tenure (Budget EMI)

Variant	On-Road	Down P.	Loan	EMI	Total	Interest
STD (non-OBD-2B)	₹63,536	₹7,624	₹55,912	₹1,804	₹72,572	₹9,036
STD (OBD-2B)	₹70,751	₹8,490	₹62,261	₹2,009	₹80,814	₹10,063

Lowest EMI (₹1,790)
3X interest vs 12-month plan

0% Down Payment (36-Month)

Variant	On-Road	Down	Loan	EMI	Total	Interest	Extra vs 12% Down
STD (non-OBD-2B)	₹63,536	₹0	₹63,536	₹2,050	₹73,805	₹10,269	₹1,233
STD (OBD-2B)	₹70,751	₹0	₹70,751	₹2,283	₹82,186	₹11,435	₹1,372

Please note the 0 down payment plan is for informational purposes only, there are high chances for its unavailability in your area.

Some Key Insights of Hero HF 100 Down Payment And EMI

1. Cost Comparison Cheatsheet:

Metric	Non-OBD (3Y)	OBD-2B (3Y)	Difference
On-Road Price	₹63,536	₹70,751	+₹7,215
12% Down EMI	₹1,804	₹2,009	+₹205
Total Interest	₹9,036	₹10,063	+₹,1027

2. Smart Buying Tips

Pay ₹7,215 extra for OBD-2B to avoid potential resale/value drop post-2025
If you have ₹8,490 saved, using it as down payment gives better returns (18.5%) than most FDs!

Hero HF 100 down Key Specs

Category	Specification
Engine	97.2cc air-cooled, single-cylinder
Power	7.91 HP @ 8,000 rpm
Torque	8.05 Nm @ 6,000 rpm
Mileage	70-75 kmpl (tested)
Fuel System	Carburetor
Transmission	4-speed gearbox
Fuel Tank	9.2 liters
Kerb Weight	110 kg
Seat Height	805 mm
Brakes (F/R)	130mm drum / 110mm drum
Suspension	Telescopic fork (Front), Twin shocks (Rear)
Tyres	2.75 x 18 (Front), 3.00 x 18 (Rear)
Compliance	BS6 Phase 2 (OBD-2B)
Colors	Black, Red, Blue, Grey
Warranty	5 years / 70,000 km
Unique Feature	i3S start-stop technology

Hero HF 100 EMI Comparison With Competitors (36 Months At 10% Interest Rate)

Hero HF 100 EMI Comparison

Bike (Base Variant)	On-Road Price	Down (0%)	Loan Amount	EMI	Total Payable
HF Deluxe	₹75,872	₹9,104	₹66,767	₹2,154	₹86,663
Splendor Plus	₹94,937	₹11,392	₹83,545	₹2,696	₹1,08,439
Splendor Xtec	₹94,802	₹11,376	₹83,426	₹2,692	₹1,08,285
Platina 100	₹84,150	₹10,098	₹74,052	₹2,389	₹96,118