Maruti Suzuki Brezza EMI Calculator: Car Loan EMI for November 2026

Maruti Suzuki Brezza EMI calculator: what the entry car costs each month

Start from the ₹7,49,900 entry variant: 10% down leaves a loan of roughly ₹6,75,000, 20% down about ₹6,00,000.

Over 5 years, ₹6,75,000 costs ₹13,590 a month at 7.7% p.a. and ₹13,849 at 8.5%. The smaller loan costs ₹12,080 and ₹12,310, so the extra 10% down saves ₹1,510 a month at the floor (₹13,590 less ₹12,080).

All figures are ex-showroom Delhi; registration, road tax and insurance sit on top, and banks lend against that on-road total. The ₹13,70,500 top variant needs a far bigger loan; set it above.

Three, five or seven years: what tenure does to the Brezza loan

Same ₹6,00,000 loan:

Seven years instead of three trims the EMI by ₹9,457 at 7.7% (₹18,719 less ₹9,262), yet interest more than doubles, up ₹1,04,153 (₹1,78,033 less ₹73,880). Rate matters less: 8.5% against 7.7% adds ₹230 a month over 5 years (₹12,310 less ₹12,080) and ₹13,803 of interest (₹1,38,595 less ₹1,24,792).

Which lenders start lowest on a Brezza car loan, and who gets that floor

Nobody prints a Brezza rate; your credit score sets your floor. Lowest of the 30 lenders printing a new car rate:

• UCO Bank: 7.7% p.a. for a CIBIL score of 825 or above; lends 90% of on-road price.
• Bank of Maharashtra: 7.7% p.a. if you're salaried with a score of 800 or more.
• Indian Bank: 7.75% to 9.1% p.a., no score condition printed.

HDFC Bank and ICICI Bank open at 8.4% p.a. with 100% on-road funding for those who qualify (ICICI only beyond 36 months). The car loan interest rates page lists every lender.

Pricing a different variant, or the dealer's on-road quote

The preset: 20% down on the entry variant at the 8.5% median. For another Brezza, enter its ex-showroom figure from Maruti Suzuki's list, or the dealer's on-road total, then your down payment, offered rate and tenure. The main car loan EMI calculator covers any car.

The EMI skips the processing fee (UCO Bank: 0.50%, capped at ₹5,000 plus GST) and any foreclosure charge. Since 1 January 2026 the RBI's 2025 directions on pre-payment charges have barred foreclosure and part-payment fees on personal floating-rate car loans; a fixed-rate loan may still carry one, and it must appear in your Key Facts Statement. More in the processing fee and charges guide.

Choosing the right car loan for a Brezza, and the mistakes to skip

Know your score first: 825 opens UCO's 7.7%, 800 opens Bank of Maharashtra's. Then weigh rate against fee, and prefer floating if you may prepay. See the car loan eligibility guide and the car loan section.

Common mistakes: buying on EMI alone (7 years feels light at ₹9,262 yet costs ₹1,78,033 in interest); trusting an introductory price to hold on delivery day; letting the dealer pick your lender.