For the base model
XF , whose price is
₹ 86.16 Lakh, you will need to do a down payment of
₹ 14,55,713. 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
₹ 1,45,179 for a 5 years loan.