Tata Harrier Car Loan EMI Calculator

₹ 30,413.
Here is how - Tata Harrier price starts from ₹ 18,28,537 in Mumbai. If you pay a down payment of ₹ 3,28,637 for a 5-year loan available at 8% interest rate, your EMI amount will be ₹ 30,413.

The cheapest Harrier model is XE which is priced at ₹ 18,28,537 in Mumbai. You will need to pay at least a ₹ 3,28,637 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 Harrier.

Version	On-road price in Mumbai	Max Loan
XE	₹ 18,28,537	₹ 14,99,900
XM	₹ 20,05,364	₹ 16,44,900
XT	₹ 21,60,241	₹ 17,74,900
XZ	₹ 23,27,032	₹ 19,14,900
XZ Plus	₹ 25,62,845	₹ 20,94,900
XZ Dual Tone	₹ 23,50,859	₹ 19,34,900
XMA	₹ 21,60,241	₹ 17,74,900
XZA	₹ 25,02,767	₹ 20,44,900
XZA Plus	₹ 27,19,048	₹ 22,24,900
XZ Plus Dual Tone	₹ 25,86,877	₹ 21,14,900
XZA Dual Tone	₹ 25,26,798	₹ 20,64,900
XZA Plus Dual Tone	₹ 27,43,080	₹ 22,44,900
XT Plus	₹ 22,55,550	₹ 18,54,900
2021 XT Plus Dark Editon	₹ 22,97,248	₹ 18,89,900
2021 XZ Plus Dark Edition	₹ 26,04,900	₹ 21,29,900
2021 XZA Plus Dark Edition	₹ 27,61,103	₹ 22,59,900
XTA Plus	₹ 24,10,427	₹ 19,84,900
XTA Plus Dark Edition	₹ 24,72,728	₹ 20,19,900
Kaziranga XZ Plus	₹ 25,88,078	₹ 21,15,900
Kaziranga XZA Plus	₹ 27,44,281	₹ 22,45,900
XZS	₹ 24,98,562	₹ 20,41,400
XZS Dual Tone	₹ 25,22,593	₹ 20,61,400
XZS Dark Edition	₹ 25,40,617	₹ 20,76,400
XZAS	₹ 26,54,765	₹ 21,71,400
XZAS Dual Tone	₹ 26,78,797	₹ 21,91,400
XZAS Dark Edition	₹ 26,96,820	₹ 22,06,400
XZA Plus Jet	₹ 27,49,087	₹ 22,49,900
XZ Plus Jet	₹ 25,92,884	₹ 21,19,900
XMS	₹ 21,37,129	₹ 17,55,500
XMAS	₹ 22,92,006	₹ 18,85,500

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 Harrier XE will be ₹ 28,500 but you will have to pay interest of ₹ 8,94,100 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 ₹ 57,300, but your interest payment will be only ₹ 5,62,900 over the 3 years period.

₹ 30,413
Tata Harrier price starts from ₹ 18,28,537 in Mumbai.

We have considered
Down-payement : ₹ 3,28,637
Tenure : 5 years
Interest Rate : 8%

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

• 1. Age should be above 21
• 2. Your annual income should be above ₹ 6,10,000

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 Harrier starts from ₹ 18.29 Lakh, you can get a loan with an annual income as low as ₹ 6.10 lakh.

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

• 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.