Hyundai Xcent Car Loan EMI Calculator

₹ 11,782.
Here is how - Hyundai Xcent price starts from ₹ 6,45,304 in Delhi. If you pay a down payment of ₹ 64,226 for a 5-year loan available at 8% interest rate, your EMI amount will be ₹ 11,782.

The cheapest Xcent model is E which is priced at ₹ 6,45,304 in Delhi. You will need to pay at least a ₹ 64,226 down payment to buy this model.

Note: Down payment is the amount you would pay upfront to buy your car. Bank give you a loan for the remaining amount.

Here is a model wise list of max loan amount for Xcent.

Version	On-road price in Delhi	Max Loan
E	₹ 6,45,304	₹ 5,81,078
E Plus	₹ 6,56,640	₹ 5,99,990
S	₹ 7,31,662	₹ 6,43,769
SX	₹ 8,03,450	₹ 7,05,546
SX (O)	₹ 8,84,019	₹ 7,82,346
S AT	₹ 8,30,572	₹ 7,33,734
E CRDi	₹ 7,75,868	₹ 6,73,261
E Plus CRDi	₹ 7,93,546	₹ 6,97,046
S CRDi	₹ 8,52,683	₹ 7,42,033
SX CRDi	₹ 9,15,818	₹ 7,98,558
SX (O)CRDi	₹ 10,01,599	₹ 8,75,358

As a thumb rule, you can get a maximun loan of up to 100% of the ex-showroom price.

Good Practice will be to chose the shortest possible tenure for which you can afford an EMI amount.

• 1. If you select a higher tenure loan, let's say 7 years, your EMI for Xcent E will be ₹ 10,058 but you will have to pay interest of ₹ 2,63,794 over the period of 7 years.
• 2. If you select a lower tenure loan, let's say 3 years, your EMI amount will be higher at ₹ 20,221, but your interest payment will be only ₹ 1,46,878 over the 3 years period.

₹ 11,782
Hyundai Xcent price starts from ₹ 6,45,304 in Delhi.

We have considered
Down-payement : ₹ 64,226
Tenure : 5 years
Interest Rate : 8%

You will need to fulfill the following 2 criteria to buy Xcent with a loan

• 1. Age should be above 21
• 2. Your annual income should be above ₹ 2,16,000

As a general rule, banks or other lenders offer you a car loan 3 to 4 times your annual income. Considering the on-road price of Xcent starts from ₹ 6.45 Lakh, you can get a loan with an annual income as low as ₹ 2.16 lakh.

Here are the most important things you should consider while getting a car loan for a new Xcent

• 1. Interest rate - Go for the loan with the lowest interest rate.
• 2. Additional Charges - processing fee, prepayment charges, late payment penalty are some of the important points you need to check before taking a loan.
• 3. Tenue and Max Loan Amount - Select a lender who gives you a loan that you can afford.
  -If Max loan amount is lower, you will have to shell out more money upfront to buy the car.
  -If Tenue is lower, your per month instalment amount will increase.
• 4. Eligibility - Banks may have stricter eligibility requirements compared to NBFCs or other financial institutions.