Maruti Suzuki Swift Dzire [2015-2017] Car Loan EMI Calculator

₹ 10,924.
Here is how - Maruti Suzuki Swift Dzire [2015-2017] price starts from ₹ 6,08,329 in Batala. If you pay a down payment of ₹ 69,571 for a 5-year loan available at 8% interest rate, your EMI amount will be ₹ 10,924.

The cheapest Swift Dzire [2015-2017] model is LXI which is priced at ₹ 6,08,329 in Batala. You will need to pay at least a ₹ 69,571 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 Swift Dzire [2015-2017].

Version	On-road price in Batala	Max Loan
LXI	₹ 6,08,329	₹ 5,38,758
LXI (O)	₹ 6,13,020	₹ 5,42,967
VXI	₹ 6,87,531	₹ 6,09,801
ZXI	₹ 7,98,310	₹ 7,09,167
LDI	₹ 7,48,797	₹ 6,64,755
VDI	₹ 8,03,074	₹ 7,13,440
ZDI	₹ 9,15,406	₹ 8,11,507
VXI AT	₹ 7,81,828	₹ 6,94,382
VXI AT ABS	₹ 8,04,458	₹ 7,14,681
LXI ABS	₹ 6,35,653	₹ 5,63,268
LDI ABS	₹ 7,71,724	₹ 6,85,319
VXI ABS	₹ 7,10,161	₹ 6,30,099
VDi ABS	₹ 8,16,828	₹ 7,25,777
ZDI AMT	₹ 9,71,579	₹ 8,61,893

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 Swift Dzire [2015-2017] LXI will be ₹ 9,482 but you will have to pay interest of ₹ 2,57,730 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 ₹ 19,063, but your interest payment will be only ₹ 1,47,510 over the 3 years period.

₹ 10,924
Maruti Suzuki Swift Dzire [2015-2017] price starts from ₹ 6,08,329 in Batala.

We have considered
Down-payement : ₹ 69,571
Tenure : 5 years
Interest Rate : 8%

You will need to fulfill the following 2 criteria to buy Swift Dzire [2015-2017] with a loan

• 1. Age should be above 21
• 2. Your annual income should be above ₹ 2,03,000

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 Swift Dzire [2015-2017] starts from ₹ 6.08 Lakh, you can get a loan with an annual income as low as ₹ 2.03 lakh.

Here are the most important things you should consider while getting a car loan for a new Swift Dzire [2015-2017]

• 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.