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

₹ 11,192.
Here is how - Maruti Suzuki Swift Dzire [2015-2017] price starts from ₹ 6,12,973 in Patna. If you pay a down payment of ₹ 60,988 for a 5-year loan available at 8% interest rate, your EMI amount will be ₹ 11,192.

The cheapest Swift Dzire [2015-2017] model is LXI which is priced at ₹ 6,12,973 in Patna. You will need to pay at least a ₹ 60,988 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 Patna	Max Loan
LXI	₹ 6,12,973	₹ 5,51,985
LXI (O)	₹ 6,13,856	₹ 5,57,119
VXI	₹ 6,91,565	₹ 6,28,413
ZXI	₹ 7,98,117	₹ 7,27,115
LDI	₹ 7,53,515	₹ 6,85,249
VDI	₹ 8,07,464	₹ 7,34,745
ZDI	₹ 9,16,067	₹ 8,34,385
VXI AT	₹ 7,91,686	₹ 7,14,961
VXI AT ABS	₹ 8,14,298	₹ 7,35,582
LXI ABS	₹ 6,36,338	₹ 5,77,744
LDI ABS	₹ 7,76,285	₹ 7,06,140
VXI ABS	₹ 7,14,043	₹ 6,49,034
VDi ABS	₹ 8,26,585	₹ 7,46,786
ZDI AMT	₹ 9,70,830	₹ 8,85,572

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 ₹ 9,554 but you will have to pay interest of ₹ 2,50,551 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 ₹ 19,208, but your interest payment will be only ₹ 1,39,503 over the 3 years period.

₹ 11,192
Maruti Suzuki Swift Dzire [2015-2017] price starts from ₹ 6,12,973 in Patna.

We have considered
Down-payement : ₹ 60,988
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 ₹ 2,05,000

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 ₹ 6.13 Lakh, you can get a loan with an annual income as low as ₹ 2.05 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.