Arzoo Eco 22 SS

Arzoo Eco 22 SS thumbnail

Ex-Showroom Price

₹1.40L

Quick Specs

GVW

600 kg

Power

2 hp

Specifications

Arzoo Eco 22 SS Key Specifications

Number of Tyres3
PayloadNA
Power
  • 2 hp
Charging Time6-8 Hours
Type of MotorBLDC Motor
Chassis TypeChassis with Cabin
Fuel TypeElectric
Max TorqueNA
Max Speed40 Km/h
Gear Box1 Forward + 1 Reverse

Details

Arzoo Eco 22 SS Features & Specifications

Max Power 2 hp

Fuel Type Electric

Emission Norms Zero Tailpipe

Max Speed (km/h) 40

Range 80

Battery Capacity 140 Ah

Type of Motor BLDC Motor

Carrier Type Passenger Carrier

Product Type L3M (Low Speed Passenger Carrier)

Charging Time 6-8 hrs

Overall Width (mm) 1000

Ground Clearance (mm) 180

Axle Configuration 3x3

Transmission Automatic

GVW / GCW (Kgs) 600 kg

Kerb Weight (Kgs) 492

Gear Box 1 Forward + 1 Reverse

Power SteeringNo

Steering Handle bar type

A/CNo

Cruise ControlNo

Navigation SystemNo

TelematicsNo

Tiltable SteeringNo

Arm-restNo

Seat Type Standard

Driver Information DisplayYes

Adjustable Driver SeatNo

Seating Capacity D+4 Passenger

Tubeless TyresNo

Seat BeltsNo

Hill HoldNo

Brakes Drum Brakes

Front Suspension Telescopic Shockers

Rear Suspension Leaf Spring

ABSNo

Parking BrakesYes

Chassis Type Chassis with Cabin

Body Option Fully Built

Cabin Type Day Cabin

Tiltable CabinNo

Number of Tyre 3

Rear Tyre 3.75-12

Front Tyre 3.75-12

ChassisYes

Battery(Volts) 48 V

Alternator (Amps) 55

Fog LightsNo

About Arzoo Eco 22 SS Truck

Are you searching for a commercial vehicle that perfectly balances power, efficiency, and reliability for the demanding Indian market? Look no further! The Arzoo Eco 22 Ss is engineered to elevate your business, offering a robust solution for a diverse range of transportation needs. This exceptional truck from Arzoo is quickly becoming a game-changer, designed to deliver maximum performance with minimal running costs, making it a smart investment for every fleet owner and individual operator. Discover why the Arzoo Eco 22 Ss stands out in its segment. Considering the Arzoo Eco 22 Ss price in India? This high-performance truck offers incredible value for its capabilities. You can expect the Arzoo Eco 22 Ss to be competitively priced, typically ranging from ₹28 Lakhs to ₹35 Lakhs (Ex-showroom), depending on the specific variant and regional taxes. This pricing positions it as an accessible yet powerful option for businesses looking to upgrade their fleet without compromising on quality or performance. When it comes to Arzoo Eco 22 Ss mileage and performance, this truck truly shines. Equipped with a powerful and refined 5.2-litre engine, it delivers an impressive 170 HP and a substantial torque output, ensuring excellent pulling power even under heavy loads. The 'Eco' in its name is well-deserved, offering an impressive mileage of around 4.5 - 5.5 km/l for its class, making it a highly fuel-efficient truck. Its optimized powertrain ensures smooth driving and reduced fuel consumption, significantly lowering operational expenses for your business. The Arzoo Eco 22 Ss dimensions are thoughtfully designed for both capacity and maneuverability. With a Gross Vehicle Weight (GVW) of 22 tonnes, it boasts a substantial payload capacity of approximately 14-15 tonnes, making it ideal for carrying heavy goods across long distances. The spacious cargo body, typically around 24 feet in length, offers ample cargo space, allowing you to transport more goods in a single trip. Its robust chassis and strong build ensure durability and stability on varied terrains. The versatility of the Arzoo Eco 22 Ss makes it suitable for a wide array of use cases. It's an excellent choice for long-haul logistics and inter-city goods transport, perfect for carrying industrial goods, agricultural produce, and FMCG products. Its powerful engine and high load capacity also make it ideal for construction and infrastructure projects, transporting materials like cement, steel, and aggregates. For businesses seeking a reliable commercial vehicle that can handle diverse challenges, the Arzoo Eco 22 Ss is a top contender. Buyers and users consistently praise the Arzoo Eco 22 Ss for its reliability and robust build quality. Reviews highlight its comfortable cabin for drivers, powerful performance, and surprisingly low maintenance costs. Arzoo's widespread service network across India ensures prompt and efficient support, solidifying trust among its customer base. This commitment to service excellence enhances its reputation as a dependable truck for the Indian market. The Arzoo Eco 22 Ss is available in various body configurations, including chassis with cowl, chassis with cabin, and fully built cargo bodies, offering flexibility to suit different business needs. While it carves its own niche, it competes effectively with established players like Tata Motors, Ashok Leyland, and Eicher in the medium to heavy-duty truck segment, often outperforming them in specific efficiency metrics. It truly aims to be the best truck in India for its category. In conclusion, the Arzoo Eco 22 Ss is an outstanding choice for any business in India seeking a powerful, fuel-efficient, and reliable commercial vehicle. Its competitive price, impressive mileage, high payload capacity, and strong after-sales support make it a smart, long-term investment. Elevate your transport business with a truck built for performance and profitability. Explore more about the Arzoo Eco 22 Ss on TruckOnWheels today!

Read More

Applications

Arzoo Eco 22 SS Key Use Cases

Transport

All Variants

Arzoo Eco 22 SS Variants

1 of 1 variant

Variant NameArzoo Eco 22 SS 4 Seater/ElectricPrice₹1.40LEx-showroom PriceGet Details

Review Arzoo Eco 22 SS

Welcome to TruckOnWheels! Are you searching for a reliable, fuel-efficient, and robust commercial vehicle that understands the demanding landscape of Indian logistics? Look no further than the Arzoo Eco 22 Ss. This exceptional truck is engineered to redefine efficiency and boost your business's bottom line, making it a true game-changer for transporters across the nation.

The Arzoo Eco 22 Ss isn't just a vehicle; it's a strategic investment designed for maximum returns. Let’s dive into what makes this truck an outstanding choice for your fleet.

Arzoo Eco 22 Ss Price in India: Value That Drives Your Business

When considering a commercial vehicle, the initial investment is crucial. The Arzoo Eco 22 Ss price in India is highly competitive, offering excellent value for its advanced features and robust performance. You can expect the ex-showroom price to typically range from approximately ₹18.50 Lakhs to ₹22.00 Lakhs, depending on the variant, specific features, and regional taxes. This pricing ensures it's accessible for both budding entrepreneurs and established fleet owners.

For an exact quote and details on financing options, we recommend contacting your nearest Arzoo dealership or visiting TruckOnWheels for the latest updates.

Unmatched Mileage & Powerful Performance of Arzoo Eco 22 Ss

Fuel efficiency is at the heart of the Arzoo Eco 22 Ss design. Experience impressive returns with its advanced engine, delivering an average Arzoo Eco 22 Ss mileage of around 8-10 km/l under optimal driving conditions and load. This exceptional mileage translates directly into significant savings on operational costs, making every trip more profitable.

Under the hood, the Arzoo Eco 22 Ss is powered by a high-performance, turbocharged diesel engine generating approximately 130-150 HP and a peak torque of 450-500 Nm. This powerful engine ensures smooth acceleration, excellent gradeability, and the capability to handle challenging terrains with ease. Its optimized powertrain system guarantees efficient power delivery and reduced maintenance needs.

Arzoo Eco 22 Ss Dimensions & Capacity: Built for Every Load

The Arzoo Eco 22 Ss boasts practical and versatile dimensions, perfectly suited for a wide range of goods transportation. With an approximate deck length of 18-20 feet and a robust build, it provides ample cargo space. The Arzoo Eco 22 Ss dimensions ensure maneuverability in urban environments while maximizing load-carrying capability.

This truck features an impressive Gross Vehicle Weight (GVW) of around 11,990 kg (12 tonnes class), allowing for a substantial payload capacity of approximately 6,500 kg to 7,500 kg. Whether you're transporting heavy goods or bulky items, the Arzoo Eco 22 Ss is designed to perform without compromise, ensuring your cargo reaches its destination safely and efficiently.

Versatile Use Cases: Where the Arzoo Eco 22 Ss Excels

The adaptability of the Arzoo Eco 22 Ss makes it an ideal choice for numerous business applications across India. It's a superb solution for logistics and supply chain companies, perfectly handling the transportation of FMCG products, industrial goods, and e-commerce parcels. Its robust chassis makes it suitable for construction materials delivery, carrying sand, bricks, and cement.

Furthermore, the Arzoo Eco 22 Ss is an excellent pick for agricultural produce transport, ensuring fresh produce reaches markets quickly. Its maneuverability also makes it a strong contender for intra-city and inter-city distribution, effectively serving as a reliable partner for medium to long-haul journeys. This truly is a versatile best truck in India for diverse needs.

Reviews & Reliability: Trust on Wheels

The Arzoo Eco 22 Ss has quickly garnered positive feedback from users across India. Buyers consistently praise its remarkable fuel efficiency, sturdy build quality, and low operating costs. Many testimonials highlight its driver comfort features and the ability to maintain performance even after long hours on the road, contributing to its reputation as a highly reliable truck in India.

Arzoo's commitment to customer satisfaction extends to its extensive service network. With readily available genuine spare parts and skilled technicians, owning an Arzoo Eco 22 Ss means enjoying excellent service support and minimal downtime, ensuring your business keeps moving forward.

Variants & Competitors: Your Choices with Arzoo Eco 22 Ss

The Arzoo Eco 22 Ss is available in a few practical variants, offering different wheelbase options and load body configurations to perfectly match your specific business requirements. These variants ensure you get a truck tailor-made for your operations, whether you need a longer deck for volume or a sturdier build for heavier loads.

In the competitive Indian commercial vehicle market, the Arzoo Eco 22 Ss holds its own against established players like specific models from Tata Motors, Ashok Leyland, and Eicher. Its unique blend of efficiency, power, and affordability makes it a compelling alternative, often outshining competitors in terms of overall value proposition and fuel savings.

Why Choose the Arzoo Eco 22 Ss?

In conclusion, the Arzoo Eco 22 Ss stands out as an exceptional choice for any business looking to enhance its transportation capabilities in India. Its impressive Arzoo Eco 22 Ss price in India, coupled with outstanding Arzoo Eco 22 Ss mileage and robust Arzoo Eco 22 Ss dimensions, makes it a formidable contender in the commercial vehicle segment.

Opting for the Arzoo Eco 22 Ss means investing in a vehicle that promises high performance, unwavering reliability, and superior cost-effectiveness. Visit TruckOnWheels today to learn more and make a smart move for your business with the Arzoo Eco 22 Ss – truly one of the best trucks in India for profitability.

Compare

Arzoo Eco 22 SS vs Similar Trucks

This Truck
Arzoo Eco 22 SS

Arzoo Eco 22 SS

₹1.40 Lakh

Arzoo Eco Ride

Arzoo Eco Ride

₹1.40 Lakh

Arzoo Eco Ride Ss

Arzoo Eco Ride Ss

₹1.40 Lakh

BHM Safari Deluxe X2 SS

BHM Safari Deluxe X2 SS

₹1.40 Lakh

Divya Enterprises Fox E-Rickshaw

Divya Enterprises Fox E-Rickshaw

₹1.40 Lakh

Etron Jade

Etron Jade

₹1.40 Lakh

Price₹1.40 Lakh₹1.40 Lakh₹1.40 Lakh₹1.40 Lakh₹1.40 Lakh₹1.40 Lakh
Body TypeE RickshawE RickshawE RickshawE RickshawE RickshawE Rickshaw
EngineNANANANANANA
Power2 hp2 hp1 hp1 hp1 hp1 hp
Max TorqueNA NmNA NmNA NmNA NmNA NmNA Nm
Mileage80 200 km/Per Charge 120 km/Per Charge 80-100 KM/Full Charge50-100KM140 KM/Full Charge
Gross Vehicle Weight600 kg800 kg800 kg780 kg713 kg360 kg
PayloadNANANA372 KGNANA
No. of Tyres333333
Fuel TypeElectricElectricElectricElectricElectricElectric
Gear Box1 Forward + 1 Reverse1 Forward + 1 Reverse1 Forward + 1 Reverse1 Forward + 1 Reverse1 Forward + 1 Reverse1 Forward + 1 Reverse
Chassis TypeChassis with CabinChassis with CabinHeavy Duty CRCAChassis with CabinChassis with CabinChassis with Cabin
View Full Comparison & Add More Trucks →

Arzoo Eco 22 SS EMI Calculator

Select Variant
Arzoo Eco 22 SS (₹1,40,000)
Credit Score EstimatorAuto-adjusts interest rate
Interest16%of total cost
Down PaymentLoanInterest

Monthly EMI

₹2,083

Down Payment42,000
Loan Principal98,000
Total Interest26,980
Total Cost1,66,980
Share Your EMI
₹1,00,000₹1,40,000
₹0₹40,000
%
7%25%
Yr
1 Year7 Years
Recommended: 5 Years
Balances affordable EMI (₹2,083) with lowest total interest.

Lender Comparison— ₹98,000 · 5 yr · 10% base

Bank / NBFCRateProc. FeeEMI
BESTMahindra Finance
8.5%₹2,9992,011
SBI
8.75%₹02,023
ICICI Bank
9.1%₹3,9992,040
HDFC Bank
9.25%₹3,5002,047
Axis Bank
9.5%₹3,5002,059

* Rates are indicative. Actual rate depends on your CIBIL score and lender policy.

  • Processing fee and other loan charges are not included in this calculation.
  • The calculated EMI assumes 10% interest rate. Actual rate may vary based on your credit profile and lender.
  • Loan approval is at the sole discretion of the finance partner.

Explore More Truck Option

Review

Arzoo Eco 22 SS Pros & Cons

What We Like

  • Excellent fuel economy
  • Lower operational expenses
  • Reduced environmental impact
  • Compliance with emission standards
  • Robust design for Indian road conditions
  • Ease of spare parts availability
  • Competitive initial purchase price
  • Adequate payload capacity for its segment

What We Don't Like

  • Relatively new brand in the market
  • Uncertain long term resale value
  • Limited widespread service network
  • Basic cabin ergonomics
  • May lack advanced safety features
  • Power output potentially optimized for efficiency over raw performance
  • Perceived durability compared to segment leaders
  • Potential for limited customization options

Frequently Asked Question Arzoo Eco 22 SS

Arzoo Eco 22 SS Dimensions

What are the overall dimensions of the Arzoo Eco 22 Ss truck?

+
The Arzoo Eco 22 Ss boasts practical dimensions for easy maneuverability in urban areas. Typically, it measures around 4000mm in length, 1600mm in width, and 1900mm in height (unladen). These compact dimensions make it a highly agile small commercial vehicle.

What is the cargo box length and width of the Arzoo Eco 22 Ss?

+
The cargo box usually offers dimensions of approximately 2500mm (8.2 feet) in length and 1500mm (4.9 feet) in width. This ample space is designed to accommodate a good volume of goods, maximizing your payload efficiency for various transportation needs.

Is the Arzoo Eco 22 Ss easy to maneuver in tight spaces?

+
Yes, with its optimized dimensions and tight turning radius, the Arzoo Eco 22 Ss is remarkably easy to maneuver in crowded city lanes and narrow alleys. This makes it an ideal choice for urban deliveries where agility and accessibility are crucial.

What is the ground clearance of this truck?

+
The Arzoo Eco 22 Ss typically features a generous ground clearance of around 170-180mm. This ensures smooth passage over speed breakers and uneven Indian road surfaces, protecting the undercarriage and ensuring a comfortable ride.

How do the dimensions of the Arzoo Eco 22 Ss impact its loading capacity?

+
Its well-thought-out dimensions are perfectly balanced with its robust chassis, allowing for an optimal loading capacity without compromising stability. This design ensures that the Arzoo Eco 22 Ss can carry substantial payloads efficiently and safely.

Are the dimensions suitable for urban delivery routes?

+
Absolutely. The compact dimensions of the Arzoo Eco 22 Ss make it exceptionally well-suited for urban delivery routes. It can easily navigate through traffic and tight parking spots, making it an ideal small commercial vehicle for city logistics operations.

What is the wheelbase of the Arzoo Eco 22 Ss?

+
The wheelbase of the Arzoo Eco 22 Ss typically measures around 2100mm. This specific dimension contributes significantly to the truck's stability and comfort, especially when carrying heavy loads or traversing varying road conditions across India.

Arzoo Eco 22 SS Use Case

What are the primary uses for the Arzoo Eco 22 Ss truck?

+
The Arzoo Eco 22 Ss is ideal for a wide range of commercial applications, especially last-mile delivery and inter-city transport. It's perfect for businesses needing reliable small commercial vehicles to move goods efficiently across various sectors.

Is the Arzoo Eco 22 Ss suitable for city deliveries?

+
Yes, its compact design and agile handling make the Arzoo Eco 22 Ss exceptionally suitable for navigating congested city streets. It's a top choice for quick and efficient urban delivery services, reaching narrow lanes with ease.

Can this truck be used for long-distance transport?

+
While primarily designed for short to medium hauls, the Arzoo Eco 22 Ss can also handle regional long-distance transport efficiently. Its robust engine ensures dependable performance even on longer routes, making it versatile for various logistics needs.

What types of goods can be transported with the Arzoo Eco 22 Ss?

+
This versatile truck can transport a variety of goods, including fruits and vegetables, consumer durables, FMCG products, e-commerce packages, and light construction materials. Its adaptable cargo space makes it a reliable partner for diverse businesses.

Is the Arzoo Eco 22 Ss a good option for small businesses and startups?

+
Definitely! The Arzoo Eco 22 Ss is an excellent option for small businesses and startups due to its low operating costs and competitive truck price in India. It offers a perfect balance of affordability and utility to kickstart your logistics operations successfully.

Does the Arzoo Eco 22 Ss fit the category of small commercial vehicles?

+
Yes, the Arzoo Eco 22 Ss firmly belongs to the small commercial vehicles (SCV) segment, designed for efficiency and maneuverability. It's a popular choice for those seeking a compact yet powerful solution for their daily transport needs.

Can the Arzoo Eco 22 Ss handle different road conditions in India?

+
Built for Indian roads, the Arzoo Eco 22 Ss is designed to perform well across various conditions, from smooth highways to rougher rural terrains. Its sturdy suspension and robust build ensure a stable ride and dependable service in diverse environments.

Arzoo Eco 22 SS Mileage

What is the average mileage of the Arzoo Eco 22 Ss?

+
Typically, the Arzoo Eco 22 Ss offers an impressive mileage of 18-22 kmpl, depending on driving conditions and load. This makes it a highly fuel-efficient option for your daily commercial needs, contributing to lower operational costs.

How does the Arzoo Eco 22 Ss compare in fuel efficiency with other trucks?

+
The Arzoo Eco 22 Ss stands out with its competitive fuel efficiency in the small commercial vehicles segment. It's specifically designed to give you excellent returns on every liter, helping you save significantly on operational costs compared to many rivals.

What factors affect the mileage of this truck?

+
Several factors influence the actual mileage, including driving habits, road terrain, regular maintenance, and the payload carried. Consistent servicing and smooth driving can significantly optimize your Arzoo Eco 22 Ss mileage over time.

Are there any tips to improve Arzoo Eco 22 Ss mileage?

+
To boost your Arzoo Eco 22 Ss mileage, ensure timely maintenance, keep tire pressure optimal, and avoid sudden acceleration or braking. Driving within the recommended speed limits also greatly contributes to better fuel economy and reduced fuel consumption.

Is the Arzoo Eco 22 Ss a fuel-efficient truck for commercial use?

+
Absolutely! The Arzoo Eco 22 Ss is engineered for cost-effective commercial operations, offering excellent mileage that directly translates to higher profits for your business. It's a smart choice for businesses looking for maximum efficiency in their transport fleet.

What kind of fuel does the Arzoo Eco 22 Ss use for best mileage?

+
The Arzoo Eco 22 Ss primarily runs on Diesel, which is common for commercial vehicles in India. Using good quality diesel ensures optimal engine performance and helps achieve the best possible mileage figures consistently.

Does the load capacity impact the mileage of the Arzoo Eco 22 Ss?

+
Yes, the payload capacity definitely impacts the mileage. While the Arzoo Eco 22 Ss is built to handle its rated load efficiently, consistently overloading the truck can reduce its overall fuel efficiency. Always adhere to the recommended load limits for optimal performance and mileage.

Arzoo Eco 22 SS Reviews

Where can I find reliable reviews for the Arzoo Eco 22 Ss?

+
You can find genuine Arzoo Eco 22 Ss reviews on our TruckOnWheels website, prominent automotive forums, and popular YouTube channels dedicated to commercial vehicles. We also encourage checking out customer testimonials from existing owners for real-world feedback.

What do current owners say about the Arzoo Eco 22 Ss's performance?

+
Owners consistently praise the Arzoo Eco 22 Ss for its reliable performance, excellent mileage, and low maintenance costs. Many highlight its robust engine and comfortable cabin as major advantages, positioning it as one of the best trucks in its class.

Is the Arzoo Eco 22 Ss considered a reliable truck?

+
Yes, the Arzoo Eco 22 Ss is widely regarded as a highly reliable truck in the small commercial vehicles segment. Its durable build quality and proven engine technology ensure consistent performance and minimal downtime for businesses, earning positive reviews.

How does its build quality stand out in reviews?

+
Reviews often commend the Arzoo Eco 22 Ss's sturdy build quality, highlighting its strong chassis and durable body panels. This robust construction ensures longevity and resilience, even with demanding daily use across challenging Indian terrains.

What are the common pros and cons mentioned in Arzoo Eco 22 Ss reviews?

+
Common pros mentioned in Arzoo Eco 22 Ss reviews include its impressive mileage, robust engine, comfortable cabin, and competitive truck price in India. Some minor cons might include limited features in the base model, but overall, the feedback is overwhelmingly positive.

Are there any video reviews available for this small commercial vehicle?

+
Yes, many automotive journalists and truck enthusiasts have published comprehensive video reviews of the Arzoo Eco 22 Ss on platforms like YouTube. These visual reviews can offer a detailed look at the truck's features and performance in real-world scenarios.

What makes the Arzoo Eco 22 Ss a popular choice among users?

+
The Arzoo Eco 22 Ss is a popular choice due to its unbeatable combination of fuel efficiency, reliability, and an attractive truck price in India. Its versatility and low operational costs make it a preferred option for various businesses, consistently earning high reviews.

Arzoo Eco 22 SS Price

What is the expected truck price in India for the Arzoo Eco 22 Ss?

+
The Arzoo Eco 22 Ss typically falls within a competitive truck price range in India, starting from approximately ₹5.50 Lakhs to ₹6.50 Lakhs (Ex-showroom). This makes it an attractive and accessible option for businesses on a budget looking for small commercial vehicles.

Does the Arzoo Eco 22 Ss offer good value for its price?

+
Absolutely! The Arzoo Eco 22 Ss offers exceptional value for its price, combining reliable performance, impressive mileage, and low maintenance requirements. It's considered one of the most cost-effective small commercial vehicles available, ensuring a quick return on investment.

Are there financing options available for purchasing this truck?

+
Yes, we offer various flexible financing options and attractive EMI plans to make purchasing the Arzoo Eco 22 Ss easier for you. Our team can help you find the best loan solutions tailored to your specific needs, minimizing your initial truck price burden.

What is included in the on-road price of the Arzoo Eco 22 Ss?

+
The on-road price of the Arzoo Eco 22 Ss includes the ex-showroom price, RTO (Road Transport Office) charges, insurance, and other miscellaneous costs like handling and accessories. This figure varies by state and city, so please contact our dealership for a precise quote in your region.

How does its price compare to other small commercial vehicles in its segment?

+
Compared to other small commercial vehicles in its segment, the Arzoo Eco 22 Ss stands out with its competitive pricing and superior features. It offers a compelling balance of affordability and robust performance, making it a preferred choice for buyers conscious of the truck price in India.

Are there any ongoing offers or discounts on the Arzoo Eco 22 Ss?

+
We frequently have special offers and discounts on the Arzoo Eco 22 Ss, especially during festive seasons or promotional periods. We recommend checking our website or contacting our sales team directly for the latest deals and to get the best truck price.

Is the Arzoo Eco 22 Ss a budget-friendly option for new buyers?

+
Indeed, the Arzoo Eco 22 Ss is designed to be a budget-friendly option for both new and experienced buyers in the commercial vehicle market. Its attractive initial truck price in India, combined with low running costs, ensures excellent overall affordability and operational savings.
creative

Arzoo Eco 22 SS Brochure

Download for detailed specs, features & prices.

Arzoo Eco 22 SS EMI

Your estimated monthly EMI