Car loan EMI calculator

What the loan costs per month, and what it costs in total. Pick a car and variant to start from its on-road price in your state, or set the price yourself.

Car

Variant

State

State follows your selected city, Delhi. Change it here or in the header.

Vehicle price₹12,00,000

₹3 L₹50 L

Down payment · 20%₹2,40,000

You borrow ₹9,60,000.

Tenure

Interest rate (per annum)8.75%

7%15%

Monthly EMI

₹19,812

over 60 months at 8.75%

Loan amount: ₹9,60,000
Interest over 5 years: ₹2,28,720
Total repaid to the bank: ₹11,88,720
Total cost incl. down payment: ₹14,28,720

Principal 81%Interest 19%

Raising the down payment to 30% would cut the EMI by ₹2,477 a month and save ₹28,620 in interest over 5 years.

On-road price Compare variants

An estimate. Banks add processing fees and their rate depends on your credit profile.

What to put in the box

Ex-showroom price for every car we hold

A loan is written against the on-road price, not the ex-showroom one — road tax, insurance and registration are all financed with the car, and they are not in the ranges below. Pick the car and variant at the top of this page and the calculator puts its on-road price in the box for you; each car below opens its own on-road breakdown, state by state.

*Ex-showroom, Delhi · Prices checked Oct 2026