For the base model
Optra 2005 , whose price is
₹ 8.60 Lakh, you will need to do a down payment of
₹ 77,638. One generally gets a loan for a 100% ex-showroom value of the car. The remaining money is required to be paid upfront as down-payment. Your EMI amount will be
₹ 15,941 for a 5 years loan.