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2 min read6.2K Views

Triumph Speed 400: EMI Buying Guide

If you are considering buying the Speed 400 on loan, then this guide will help you choose the right loan tenure

The Triumph Speed 400 is one of the friendliest 350cc bikes in India, and is priced at Rs 2,34,140 (ex-showroom). If you are planning to buy it on loan, here's a detailed EMI breakdown for different loan tenures, with a down payment of Rs 27,000 and an interest rate of 9.7%

18 Month Loan 

For an 18-month loan, you have to pay an EMI of Rs 14,291. While the EMI is comparatively higher than the other loan tenures, the total interest is lower at Rs 18,740. The total repayment cost comes out to Rs 2,57,238. 

24 Month Loan 

This tenure scheme balances EMI and the interest amount as it offers lower EMI than the 18-month tenure. For a 24-month loan, you will have to pay an EMI of Rs 10,972. The total repayment cost is Rs 2,63,328, including the interest of Rs 24,830.

36 Month Loan 

The 36-month loan offers the lowest EMI at Rs 7,662, which is significantly lower than the other loan tenures. However, the interest is the highest at Rs 37,334, and the total repayment cost comes to Rs 2,75,832. 

BikeDekho Says 

Getting a bike on loan is a convenient way to avoid paying the full price of the bike upfront, making the purchase easier. However, it also increases the overall cost of the bike. Additionally, the downpayment, EMI and the interest rates ultimately depend on your CIBIL score and loan eligibility. Also, ensure you review the loan terms and conditions with your bank before you sign for it.

 

Triumph Speed 400 User Reviews

K
kiran on Jul 19, 2026
4.8
Absolutely love the bike!

Looks and Performance. Checked out a few bikes like the Duke 250 and the V-Storm. But this was much more refined and the best-looking one in terms of class. Fell in love with this after the test drive and decided I have to get this one. Feels a bit expensive, but you will forget the price tag once you own it. It's been amazing, especially on the highways. It's like a rocket on the right roads. The bike handles well in the city. It gets a bit too hot for long rides, but overall no issues. Gives a mileage of 32-33 kmpl on highways and around 20-25kmpl in the city. Would absolutely recommend this bike. If you love riding regularly and want a bike that's good for daily commuting and for long rides, I highly recommend this bike. People who are generally 5 feet 8 inches and above would be more comfortable, although I have noticed people who are much shorter handle it quite well.Read More

P
prasanna on Jun 10, 2026
5.0
It is the best.

I chose the Triumph Speed 400 for its perfect blend of timeless british styling, refined performance, premium build quality, everyday comfort and the pure joy it brings on every ride. Love it. Try it. The Speed 400 feels smooth, confident and fun on every ride. Whether it's city streets or open highways, it delivers comfort, performance. I smile every time I twist the throttle. You should go for long ride too. I would recommend this bike to everyone who is very keen to riding. Go for the extra aux lights, the present stock one is bit lower side, compare to the cars it is low. Bike is best for daily commute. Read More

A
abhishek on Jun 09, 2026
5.0
Triumph speed 400 is game changer

Features an upright, neutral seating position with wide handlebars, making it a perfect fit for a variety of rider heights. It rarely causes wrist or lower back pain, even during long rides. Suspension is good. Speed 400 delivers a balanced, premium riding experience. It shines with punchy low-end torque for city planted highway stability. While it delivers 25- 30 and easy maintenance, the short gearing takes getting used to, and engine heat is noticeable in heavy traffic. It is incredibly easy to dense city traffic the comfortable reduce fatigue, making your daily ride with a light torque assist clutch, tractable midrange power and a very manageable kerb weight, it shines brilliantly as an everyday city bike.Read More

B
baivab on May 29, 2026
4.7
Very Nicely driven bike

My dream bike and one my friend rode the same so he suggested that I should buy triumph. I chose the Triumph 400 because it offers a perfect mix of power, comfort, style, and performance. Its premium design, smooth ride, and strong road presence make it ideal for both daily use and long rides. Its really really cool and fantastic. Riding the Triumph Speed 400 has been smooth, powerful, and confidence-boosting. Great balance of comfort, pickup, and road presence makes every ride enjoyable and exciting. My dream and friends suggested.Yes, I would recommend the Triumph Speed 400 for its strong performance, premium feel, comfort, and smooth handling. A great choice for daily rides and weekend touring alike. Read More

K
kaushik on May 09, 2026
4.0
very good performance but limited service network

I did choose this bike because of the logo of the triumph. The performance, the comfort and the build quality is best. The build quality is the best in this segment and also the look of the bike is sporty. The comfort is good. Till now, I have driven around 7000 kilometers on this bike. Till now, I have never really had any problem or anything. No issues at all. Performance good, suspension also good, smooth engine and also triumph engine. Yes, I would definitely recommend this bike because I love this bike. The performance of driving this bike is very good and I also want to recommend that this. Cost of its maintenance is too high. Overall good.Read More

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AmoghJunior Correspondent Follow on Instagram
Amogh Wadikhaye is a Junior Correspondent with the CarDekho Group and an automotive journalist with experience covering motorcycles and the latest industry trends. As a Mechanical Engineering graduate, he specialises in automotive news reporting and getting into finer details of bikes and scooters. He is passionate about motorsports and enjoys working on his own bikes. His technical knowledge helps him better understand two-wheelers, and he strives to make that knowledge accessible and enjoyable for readers.
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