Honda Dio 110 BS6 Finance Options in Nepal: EMI Plans, Interest Rates & Down Payment
The Honda Dio 110 BS6 is popular in Nepal because it is stylish and fuel-efficient. You can choose between STD and DLX, which combine good performance with up-to-date design. This article provides detailed information on the financing and EMI plans available for the Honda Dio 110 BS6, helping you make your dream of owning the scooter come true in Nepal.
Overview of Honda Dio 110 BS6 (STD & DLX Variants)
The Honda Dio 110 BS6 is made available in two styles to suit a variety of buyers.
STD Variant
The Honda Dio 110 BS6 STD is considered affordable, which means it’s available to many potential riders. It includes an analog-style instrument cluster and fundamental features to make your commute comfortable.
DLX Variant
The DLX model of the Honda Dio 110 BS6 is a bit more upgraded, thanks to a digital instrument panel and an LED headlight, which add modern flair and more visibility. The sporty style makes its overall look more refined.
Here’s a comparison of features and current prices for the Honda Dio STD and DLX variants in Nepal:
| Feature | Honda Dio STD | Honda Dio DLX |
| Price (NPR) | 259,900.00 | 269,900.00 |
| Instrument Cluster | Analog | Digital |
| Headlamp | Halogen | LED |
| Rim Color | Black | Grey |
| Graphics | Basic | Sporty |
| Underseat Storage | Yes | Yes |
| Braking System | Combi Brake System (CBS) | Combi Brake System (CBS) |
| Tyres | Tubeless | Tubeless |
| Suspension | Telescopic Front, 3-Step Adjustable Rear | Telescopic Front, 3-Step Adjustable Rear |
| Engine | 109.51cc, Fan Cooled, 4-Stroke, SI Engine | 109.51cc, Fan Cooled, 4-Stroke, SI Engine |
| Max Power | 7.65 bhp @ 8000 rpm | 7.65 bhp @ 8000 rpm |
| Max Torque | 9 Nm @ 4750 rpm | 9 Nm @ 4750 rpm |
| Fuel Tank Capacity | 5.3 Liters | 5.3 Liters |
| Mileage | Approx. 50 kmpl | Approx. 50 kmpl |
| Weight | 103 kg | 104 kg |
| Ground Clearance | 160 mm | 160 mm |
Why Choose a Finance Option?
A finance scheme makes the Honda Dio DLX more affordable by offering a gradual payment option, rather than requiring payment in full up front. By financing, you will be able to afford a new scooter and organise your budget.
Honda Dio 110 BS6 Finance Options & EMI Breakdown (STD & DLX Variants)
Financing options for both Honda Dio 110 BS6 STD and DLX variants typically involve down payments at 40%, 50%, and 60%, with interest rates ranging from 12% to 15% and loan durations of 12, 24, and 36 months. While these terms apply to both variants, the EMI and total costs will differ due to the price variations.
Option 1: 60% Down Payment, 12% Interest Rate with 12 Months Loan Duration
This plan is best suited to individuals who can make a large upfront payment and want to pay off the loan in a short duration with reduced interest charges. The shorter loan duration means less total interest paid over time.
Dio BS6 STD:
- Price: 259,900.00
- Down Payment: 155,940.00
- Loan Amount: 103,960.00
- EMI: 9,236.72
- Registration Amount: 2,000.00
- Insurance: 6,410.00
- Total Down Payment: 164,350.00
Dio BS6 DLX:
- Price: 269,900.00
- Down Payment: 161,940.00
- Loan Amount: 107,960.00
- EMI: 9,592.12
- Registration Amount: 2,000.00
- Insurance: 6,580.00
- Total Down Payment: 170,520.00
Option 2: 60% Down Payment, 13% Interest Rate, 24 Months Loan Duration
To those who want to make a higher down payment, yet want to spread the repayment over a little longer time, this 24-month plan would provide a middle path, as the monthly EMIs would be easier on the pockets than the 12-month tenure.
Dio BS6 STD:
- Price: 259,900.00
- Down Payment: 155,940.00
- Loan Amount: 103,960.00
- EMI: 4,942.45
- Registration Amount: 2,000.00
- Insurance: 12,820.00 (6,410.00 * 2)
- Total Down Payment: 170,760.00
Dio BS6 DLX:
- Price: 269,900.00
- Down Payment: 161,940.00
- Loan Amount: 107,960.00
- EMI: 5,132.62
- Registration Amount: 2,000.00
- Insurance: 13,160.00 (6,580.00 * 2)
- Total Down Payment: 177,100.00
Option 3: 60% Down Payment, 14% Interest Rate, 36 Months Loan Duration
The plan is a 36-month tenure, which is ideal in case one wants to pay as low as possible monthly EMI but wants to pay a substantial amount as the down payment. It spreads the loan amount over a longer period, making monthly payments highly affordable.
Dio BS6 STD:
- Price: 259,900.00
- Down Payment: 155,940.00
- Loan Amount: 103,960.00
- EMI: 3,553.11
- Registration Amount: 2,000.00
- Insurance: 19,230.00 (6,410.00 * 3)
- Total Down Payment: 177,170.00
Dio BS6 DLX:
- Price: 269,900.00
- Down Payment: 161,940.00
- Loan Amount: 107,960.00
- EMI: 3,689.82
- Registration Amount: 2,000.00
- Insurance: 19,740.00 (6,580.00 * 3)
- Total Down Payment: 183,680.00
Option 4: 50% Down Payment, 12.50% Interest Rate, 12 Months Loan Duration
This option provides a good balance between a manageable down payment and a quick loan repayment. With a 50% down payment and a 12-month tenure, the total interest paid remains relatively low.
Dio BS6 STD:
- Price: 259,900.00
- Down Payment: 129,950.00
- Loan Amount: 129,950.00
- EMI: 11,576.32
- Registration Amount: 2,000.00
- Insurance: 6,410.00
- Total Down Payment: 138,360.00
Dio BS6 DLX:
- Price: 269,900.00
- Down Payment: 134,950.00
- Loan Amount: 134,950.00
- EMI: 12,021.73
- Registration Amount: 2,000.00
- Insurance: 6,580.00
- Total Down Payment: 143,530.00
Option 5: 50% Down Payment, 13.25% Interest Rate, 24 Months Loan Duration
Dio BS6 STD:
- Price: 259,900.00
- Down Payment: 129,950.00
- Loan Amount: 129,950.00
- EMI: 6,193.33
- Registration Amount: 2,000.00
- Insurance: 12,820.00 (6,410.00 * 2)
- Total Down Payment: 144,770.00
Dio BS6 DLX:
- Price: 269,900.00
- Down Payment: 134,950.00
- Loan Amount: 134,950.00
- EMI: 6,432.90
- Registration Amount: 2,000.00
- Insurance: 13,160.00 (6,580.00 * 2)
- Total Down Payment: 150,110.00
Option 6: 50% Down Payment, 14.50% Interest Rate, 36 Months Loan Duration
To have the highest flexibility in monthly budgeting, this alternative with a 50 percent down payment and 36 36-month repayment plan provides the lowest monthly EMIs in the 50 percent down payment scheme, but with a higher total interest.
Dio BS6 STD:
- Price: 259,900.00
- Down Payment: 129,950.00
- Loan Amount: 129,950.00
- EMI: 4,473.01
- Registration Amount: 2,000.00
- Insurance: 19,230.00 (6,410.00 * 3)
- Total Down Payment: 151,180.00
Dio BS6 DLX:
- Price: 269,900.00
- Down Payment: 134,950.00
- Loan Amount: 134,950.00
- EMI: 4,646.68
- Registration Amount: 2,000.00
- Insurance: 19,740.00 (6,580.00 * 3)
- Total Down Payment: 157,690.00
Option 7: 40% Down Payment, 12.75% Interest Rate, 12 Months Loan Duration
This scheme has a reduced down payment, so the scooter is more accessible in the short term. The loan tenure of 12 months provides a comparatively short time of repayment, appropriate to individuals who wish to repay their loan at an earlier period.
Dio BS6 STD:
- Price: 259,900.00
- Down Payment: 103,960.00
- Loan Amount: 155,940.00
- EMI: 13,909.85
- Registration Amount: 2,000.00
- Insurance: 6,410.00
- Total Down Payment: 112,370.00
Dio BS6 DLX:
- Price: 269,900.00
- Down Payment: 107,960.00
- Loan Amount: 161,940.00
- EMI: 14,443.08
- Registration Amount: 2,000.00
- Insurance: 6,580.00
- Total Down Payment: 116,540.00
Option 8: 40% Down Payment, 13.50% Interest Rate, 24 Months Loan Duration
A popular choice for many, this option combines a lower down payment with a manageable 24-month repayment period. It strikes a balance between initial cost and monthly EMI, fitting various budgets.
Dio BS6 STD:
- Price: 259,900.00
- Down Payment: 103,960.00
- Loan Amount: 155,940.00
- EMI: 7,450.35
- Registration Amount: 2,000.00
- Insurance: 12,820.00 (6,410.00 * 2)
- Total Down Payment: 118,780.00
Dio BS6 DLX:
- Price: 269,900.00
- Down Payment: 107,960.00
- Loan Amount: 161,940.00
- EMI: 7,737.01
- Registration Amount: 2,000.00
- Insurance: 13,160.00 (6,580.00 * 2)
- Total Down Payment: 123,120.00
Option 9: 40% Down Payment, 15% Interest Rate, 36 Months Loan Duration
It is the cheapest alternative both in terms of down payment and monthly payments, so it is aimed at people who are concerned with the minimum possible down payment and the longest possible payment period to reduce the direct impact on their finances.
Dio BS6 STD:
- Price: 259,900.00
- Down Payment: 103,960.00
- Loan Amount: 155,940.00
- EMI: 5,404.14
- Registration Amount: 2,000.00
- Insurance: 19,230.00 (6,410.00 * 3)
- Total Down Payment: 125,190.00
Dio BS6 DLX:
- Price: 269,900.00
- Down Payment: 107,960.00
- Loan Amount: 161,940.00
- EMI: 5,609.91
- Registration Amount: 2,000.00
- Insurance: 19,740.00 (6,580.00 * 3)
- Total Down Payment: 130,700.00
Summary Table of Honda Dio 110 BS6 Finance Options
| Variant | Down Payment (%) | Interest Rate (%) | Loan Duration (Months) | Down Payment (NPR) | Loan Amount (NPR) | Monthly EMI (NPR) | Registration (NPR) | Insurance (NPR) | Total Down Payment (NPR) |
| Dio BS6 STD | 60% | 12% | 12 | 155,940.00 | 103,960.00 | 9,236.72 | 2,000.00 | 6,410.00 | 164,350.00 |
| Dio BS6 DLX | 60% | 12% | 12 | 161,940.00 | 107,960.00 | 9,592.12 | 2,000.00 | 6,580.00 | 170,520.00 |
| Dio BS6 STD | 60% | 13% | 24 | 155,940.00 | 103,960.00 | 4,942.45 | 2,000.00 | 12,820.00 | 170,760.00 |
| Dio BS6 DLX | 60% | 13% | 24 | 161,940.00 | 107,960.00 | 5,132.62 | 2,000.00 | 13,160.00 | 177,100.00 |
| Dio BS6 STD | 60% | 14% | 36 | 155,940.00 | 103,960.00 | 3,553.11 | 2,000.00 | 19,230.00 | 177,170.00 |
| Dio BS6 DLX | 60% | 14% | 36 | 161,940.00 | 107,960.00 | 3,689.82 | 2,000.00 | 19,740.00 | 183,680.00 |
| Dio BS6 STD | 50% | 12.50% | 12 | 129,950.00 | 129,950.00 | 11,576.32 | 2,000.00 | 6,410.00 | 138,360.00 |
| Dio BS6 DLX | 50% | 12.50% | 12 | 134,950.00 | 134,950.00 | 12,021.73 | 2,000.00 | 6,580.00 | 143,530.00 |
| Dio BS6 STD | 50% | 13.25% | 24 | 129,950.00 | 129,950.00 | 6,193.33 | 2,000.00 | 12,820.00 | 144,770.00 |
| Dio BS6 DLX | 50% | 13.25% | 24 | 134,950.00 | 134,950.00 | 6,432.90 | 2,000.00 | 13,160.00 | 150,110.00 |
| Dio BS6 STD | 50% | 14.50% | 36 | 129,950.00 | 129,950.00 | 4,473.01 | 2,000.00 | 19,230.00 | 151,180.00 |
| Dio BS6 DLX | 50% | 14.50% | 36 | 134,950.00 | 134,950.00 | 4,646.68 | 2,000.00 | 19,740.00 | 157,690.00 |
| Dio BS6 STD | 40% | 12.75% | 12 | 103,960.00 | 155,940.00 | 13,909.85 | 2,000.00 | 6,410.00 | 112,370.00 |
| Dio BS6 DLX | 40% | 12.75% | 12 | 107,960.00 | 161,940.00 | 14,443.08 | 2,000.00 | 6,580.00 | 116,540.00 |
| Dio BS6 STD | 40% | 13.50% | 24 | 103,960.00 | 155,940.00 | 7,450.35 | 2,000.00 | 12,820.00 | 118,780.00 |
| Dio BS6 DLX | 40% | 13.50% | 24 | 107,960.00 | 161,940.00 | 7,737.01 | 2,000.00 | 13,160.00 | 123,120.00 |
| Dio BS6 STD | 40% | 15% | 36 | 103,960.00 | 155,940.00 | 5,404.14 | 2,000.00 | 19,230.00 | 125,190.00 |
| Dio BS6 DLX | 40% | 15% | 36 | 107,960.00 | 161,940.00 | 5,609.91 | 2,000.00 | 19,740.00 | 130,700.00 |
Which Finance Plan Suits You Best?
Choosing between the Honda Dio STD and DLX, as well as selecting the right EMI plan, depends largely on your budget and personal preferences.
- For Students and Young Professionals: Options with lower down payments (40-50%) and longer durations (24 or 36 months) might be ideal for managing monthly expenses.
- For Daily Commuters: Consider plans with a balanced down payment and moderate loan duration to minimise total interest paid while maintaining manageable EMIs.
For low EMI, look for plans with longer durations. For low interest rates, opt for shorter loan durations and higher down payments.
Documents Required for Scooter Financing in Nepal
When applying for a two-wheeler loan for either the Honda Dio STD or DLX, you will typically need the following documents:
- Citizenship copy
- Passport-size photos
- Salary/income proof or guarantor documents
Where to Buy Honda Dio STD & DLX on EMI in Nepal
Qualified Honda dealers across Nepal and in Kathmandu normally help with making EMI simple and taking care of the necessary documents. You may use online calculators to see what your possible monthly payments could be.
Additional Costs Beyond EMI (Both Variants)
Beyond the EMI, there are additional expenses to consider when purchasing a scooter:
- 3-year Insurance: This is typically a significant cost and might be covered in the EMI or paid separately, depending on your finance plan.
- Road Tax: An annual or periodic tax.
- Registration Fees: A one-time fee for registering your vehicle.
- Servicing and Maintenance: Ongoing costs for keeping your scooter in good condition.
Always confirm with your dealer whether these costs are integrated into your EMI or if they need to be paid separately.
Tips for First-Time Scooter Buyers in Nepal
- Cost-price: Look at your budget and what features you prefer to help you decide about STD or DLX. The STD remains one of the best options when budget is a top priority. The extra money for the DLX pays off when you care about having a digital meter and LED headlamp.
- Research before taking a Loan: Before taking a loan, check the interest rates, how long the loan will last, and the full cost of the loan. Be certain that you can include the monthly EMI in your budget expenses.
- Additional Costs: Should budget for things like helmets, protective equipment, and a future service plan too.
- Insurance and Resale Value: Ensure you understand the insurance policy and verify whether you can sell the scooter in the future.
Is Honda Dio on EMI Worth It?
Honda Dio 110 BS6 can be bought using EMI in Nepal for its elegant appearance, low fuel use, and affordable payments. Having multiple financial options means the STD and DLX versions can be bought by more people. With information about the price, available financing, and extras, you are more likely to choose what fits both your budget and commute.
Need Help Choosing the Right Honda Dio Finance Plan? Contact us Today!
Unsure about which Honda Dio Finance Plan to choose? Feel free to contact us anytime! Should you want help buying the Honda Dio 110 BS6 on a loan, you can get advice with your application and discover the most suitable plan for you.
