For the base model
XF 2012 , whose price is
₹ 1.02 Crore, you will need to do a down payment of
₹ 18,97,257. 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
₹ 1,68,869 for a 5 years loan.