Compare the on-road price, not only ex-showroom price.
Free financial planning tools
Car Loan EMI Calculator
Estimate your car loan EMI and balance the down payment, tenure and interest cost before choosing a vehicle.
Calculate now ↓Simple, transparent planning
Calculate your Education Loan EMIs
Enter your details or use the sliders to compare repayment scenarios instantly.Your estimated monthly EMI
₹00%interest
Principal ₹0 Interest ₹0
Total interest₹0Total repayment₹0
View repayment scheduleIndicative estimate only. Actual rates, fees and moratorium treatment depend on the lender’s terms.Year-wise repayment
See how your balance reduces.
| Year | Principal paid | Interest paid | Balance |
|---|
About this calculator
Choose a car without over-stretching the monthly budget.
A larger down payment reduces both EMI and total interest. Remember to keep room for insurance, maintenance, fuel and registration expenses.
Explore related loan guidance →Check new-car and used-car rates separately.
Choose a down payment that preserves emergency savings.
Review foreclosure terms before signing.
Frequently asked questions
Helpful answers for smarter planning.
Does a higher down payment help?+
Yes. A higher down payment lowers the financed principal, which generally reduces both EMI and total interest.
How is EMI calculated?+
EMI is calculated using the principal, monthly interest rate and total number of monthly instalments under the reducing-balance method.
Does the estimate include processing fees?+
No. The estimate covers principal and interest only. Processing fees, insurance, taxes and other lender charges may apply separately.
Will my actual EMI be exactly the same?+
The final EMI can differ based on the sanctioned amount, lender rate, disbursal structure, fees and repayment terms.
Plan with an expert
Found the right car? Let’s find a sensible finance route.
Get clear, personalised guidance on eligibility, documentation, lenders and next steps.