Maruti Suzuki Dzire EMI Calculator: EMI from ₹7,780 (November 2026)

EMI calculator for Maruti Suzuki Dzire: what you borrow

Maruti Suzuki's own price list, read on 10 November 2026, shows the entry Dzire at ₹6,30,600 ex-showroom Delhi and the top of its 11 variants at ₹9,53,700. The on-road price adds registration, road tax and insurance and varies by state.

Put down ₹62,600 (6,30,600 minus 5,68,000), close to 10%, and you borrow ₹5,68,000: the 5-year EMI is ₹11,436 at 7.7% p.a. or ₹11,653 at 8.5%. Put down ₹1,26,600 (6,30,600 minus 5,04,000), close to 20%, and the ₹5,04,000 loan costs ₹10,147 or ₹10,340.

UCO Bank owns the 7.7% p.a. floor, for CIBIL scores of 825 and above; 8.5% p.a. is the median of the 30 floors on our car loan interest rates page.

How tenure changes the Dzire EMI

On the ₹5,04,000 loan (20% down):

Going from 5 to 7 years at 7.7% p.a. cuts the EMI by ₹2,367 (10,147 minus 7,780) but adds ₹44,722 of interest (1,49,548 minus 1,04,826). Choosing 3 years instead of 5 saves ₹42,767 (1,04,826 minus 62,059).

Who starts lowest on a Dzire car loan

UCO Bank prints the lowest new-car floor, 7.7% p.a., for CIBIL scores of 825 or more. Bank of Maharashtra matches it for salaried borrowers at 800 and above.

IDBI Bank and Indian Bank start at 7.75% p.a. with no printed condition. Canara Bank's 7.75% is only for women in its top credit grade borrowing above ₹15 lakh; a Dzire gets 7.80%. SBI starts at 8.55% p.a. for scores of 800 and above on 3 to 5 year loans, so a 7-year loan misses it. Our car loan eligibility guide covers income and age tests.

Your own quote in the calculator

Type the price of the variant you're after, or better, the dealer's on-road figure, since lenders fund that, then set the down payment, tenure and your bank's floor. The car loan EMI calculator page has the blank version.

It skips the processing fee (UCO Bank's is 0.50% of the loan, up to ₹5,000 plus GST), insurance and the exit cost. Under the RBI's 2025 directions on pre-payment charges, a personal floating-rate car loan sanctioned from 1 January 2026 can be closed or part-paid free; fixed-rate loans aren't covered.

Since 1 October 2024 lenders must hand you a Key Facts Statement with the APR, fees included, before signing.

Choosing well, and mistakes to avoid

How to choose: fix the tenure your budget carries, not the longest on offer; extra years cost more than the rate does. Shortlist two or three lenders whose floor condition you meet, get each KFS and compare APRs. See every lender on our car loan hub.

The usual mistakes: working from the ex-showroom price when the loan rests on the on-road figure; counting on a 7.7% floor without the 825 score it needs; signing a fixed rate without reading the foreclosure clause. The 5 lakh car loan EMI page has the full grid.