Maruti Suzuki Dzire Car Loan EMI Calculator

₹ 13,310.
Here is how - Maruti Suzuki Dzire price starts from ₹ 7,66,598 in Darjeeling. If you pay a down payment of ₹ 1,10,150 for a 5-year loan available at 8% interest rate, your EMI amount will be ₹ 13,310.

The cheapest Dzire model is LXi which is priced at ₹ 7,66,598 in Darjeeling. You will need to pay at least a ₹ 1,10,150 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 Dzire.

Version	On-road price in Darjeeling	Max Loan
LXi	₹ 7,66,598	₹ 6,56,448
VXi	₹ 8,71,941	₹ 7,49,198
VXi AGS	₹ 9,28,729	₹ 7,99,198
ZXi	₹ 9,52,173	₹ 8,17,198
ZXi AGS	₹ 10,08,962	₹ 8,67,198
ZXi Plus	₹ 10,33,381	₹ 8,88,698
ZXi Plus AGS	₹ 10,90,169	₹ 9,38,698
VXi CNG	₹ 9,82,839	₹ 8,44,198
ZXi CNG	₹ 10,60,071	₹ 9,12,198

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 Dzire LXi will be ₹ 11,948 but you will have to pay interest of ₹ 3,47,184 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 ₹ 24,022, but your interest payment will be only ₹ 2,08,344 over the 3 years period.

₹ 13,310
Maruti Suzuki Dzire price starts from ₹ 7,66,598 in Darjeeling.

We have considered
Down-payement : ₹ 1,10,150
Tenure : 5 years
Interest Rate : 8%

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

• 1. Age should be above 21
• 2. Your annual income should be above ₹ 2,56,000

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 Dzire starts from ₹ 7.67 Lakh, you can get a loan with an annual income as low as ₹ 2.56 lakh.

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

• 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.