Royal Enfield 350 : Royal Enfield lovers, here’s some exciting news! Now you can own the powerful and iconic Royal Enfield 350 with just ₹20,000 as a down payment. Whether you’re a daily commuter or a long-distance rider, this offer makes it easier than ever to bring home this legendary bike. Let’s explore the full EMI plan, features, and everything you need to know about this incredible deal.
What Makes the Royal Enfield 350 a Must-Have?
The Royal Enfield 350 is not just a motorcycle—it’s an emotion for millions of riders across India. With its timeless retro looks, thumping engine sound, and dependable build, it’s a preferred choice for both young riders and seasoned tourers.
Here’s what makes it special:
- Iconic design that blends retro style with modern elements
- A powerful and refined 349cc single-cylinder engine
- Comfortable seating posture ideal for city and highway rides
- Excellent build quality and heavy-duty presence
- Wide service network and trusted brand value
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Minimum Down Payment Offer – How it Works
Thanks to tie-ups with multiple banks and NBFCs, you can now buy the Royal Enfield 350 with a minimum down payment of just ₹20,000. This plan makes it more affordable for middle-class buyers who dream of owning a Royal Enfield.
Key Details of the Offer:
- Minimum down payment: ₹20,000
- Loan coverage: Up to 90-95% of on-road price
- EMI starts from: ₹4,000 – ₹5,500/month (approx.)
- Loan tenure: 24 to 60 months
- Interest rates: 6.99% to 11.5% depending on credit score and bank
Let’s compare different EMI plans based on tenure and loan amount:
EMI Plans for Royal Enfield 350 (Based on ₹2.30 Lakh On-Road Price)
| Tenure | Loan Amount | Interest Rate (Approx.) | EMI (Approx.) | Total Interest | Total Amount Payable |
|---|---|---|---|---|---|
| 24 Months | ₹2,10,000 | 9.5% | ₹10,000 | ₹30,000 | ₹2,40,000 |
| 36 Months | ₹2,10,000 | 10% | ₹7,000 | ₹42,000 | ₹2,52,000 |
| 48 Months | ₹2,10,000 | 10.5% | ₹5,600 | ₹58,800 | ₹2,68,800 |
| 60 Months | ₹2,10,000 | 11% | ₹4,500 | ₹69,000 | ₹2,79,000 |
| 36 Months | ₹2,00,000 | 9.5% | ₹6,700 | ₹41,200 | ₹2,41,200 |
| 48 Months | ₹2,00,000 | 10% | ₹5,300 | ₹54,400 | ₹2,54,400 |
| 60 Months | ₹2,00,000 | 10.5% | ₹4,300 | ₹58,000 | ₹2,58,000 |
*Actual EMI may vary depending on lender policies and customer credit profile.
Top Features of Royal Enfield Classic 350
The Royal Enfield Classic 350 has undergone significant upgrades in its new version, especially after the launch of the J-series engine. Here are the standout features:
- Engine: 349cc air-oil cooled, single-cylinder engine (20.2 bhp, 27 Nm torque)
- Gearbox: 5-speed manual
- Fuel Tank: 13 litres
- Mileage: 35-40 km/l (real-world)
- Brakes: Dual-channel ABS with disc brakes front and rear
- Suspension: Telescopic front forks and twin rear shock absorbers
- Instrument Console: Semi-digital with trip meter and fuel gauge
- Color Variants: Halcyon Black, Redditch Red, Signals Desert Sand, Gunmetal Grey, etc.
Color Variants & Price Range
Here’s a quick table showing price differences among color variants (Ex-showroom Delhi):
| Variant | Color | Ex-Showroom Price | Approx. On-Road Price |
|---|---|---|---|
| Redditch | Red, Grey | ₹1.93 Lakh | ₹2.20 Lakh |
| Halcyon | Green, Black, Grey | ₹1.96 Lakh | ₹2.23 Lakh |
| Signals | Marsh Grey, Desert Sand | ₹2.10 Lakh | ₹2.38 Lakh |
| Dark | Stealth Black, Gunmetal Grey | ₹2.17 Lakh | ₹2.45 Lakh |
| Chrome | Chrome Red, Bronze | ₹2.24 Lakh | ₹2.52 Lakh |
Eligibility Criteria for EMI/Loan
Before you apply for the EMI plan, check the eligibility conditions:
- Age: 21 to 60 years (salaried/self-employed)
- Credit Score: 700+ recommended
- Income Proof: Salary slips or ITRs for the last 2 years
- Documents Required: Aadhaar, PAN, bank statement, passport-size photo
- Co-applicant can be added for higher loan eligibility
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Should You Buy Royal Enfield 350 on EMI?
Yes, if:
- You have a stable monthly income and can afford ₹4,000-₹5,000 EMI
- You prefer keeping your savings for emergencies rather than spending all at once
- You want to build your credit score through consistent EMI repayments
But avoid if:
- You already have multiple ongoing loans
- You don’t have stable income
- You dislike long-term financial commitments
Dealer & Bank Tie-ups – Where to Apply
Most Royal Enfield dealerships offer in-house financing through:
- HDFC Bank
- ICICI Bank
- IDFC First Bank
- Kotak Mahindra
- TVS Credit
- Bajaj Finserv
You can also apply online or pre-check your EMI eligibility via official Royal Enfield website or partner NBFCs.
Owning a Royal Enfield 350 is no longer just a dream—it’s a very real possibility with EMI plans starting as low as ₹4,000/month. With just ₹20,000 upfront, you can hit the road with one of India’s most iconic motorcycles. Whether it’s daily commuting or weekend road trips, the RE 350 adds thrill and pride to every ride. Just make sure to understand the terms of the loan and assess your repayment capacity before signing up.
Prices, interest rates, and offers may vary by location and lender. Always consult with your local dealer or bank for the most accurate and updated information.
