🚗 Maruti Swift Car Loan EMI Calculator
Hatchback (B-segment) - On-road price: Rs. 7.50 lakh-Rs. 10.00 lakh
EMI (20% down)
Rs. 14,116
Loan: Rs. 6.80 lakh | 5 yrs
EMI (30% down)
Rs. 12,351
Loan: Rs. 5.95 lakh | 5 yrs
Total interest (20% down)
Rs. 1.67 lakh
Over 5 years at 9%
Maruti Swift - Available variants
Calculate your Maruti Swift loan EMI
Popular cars
Approx. mid-variant on-road prices (2025-26). Actual prices vary by city and variant.
Loan amount: ₹6.80 L
Monthly EMI
₹14,116
Loan Amount
₹6.80 L
Total Interest
₹1.67 L
Total Payment
₹8.47 L
Down Payment
₹1.70 L
Total cost of ownership (financing)
On-Road Price
₹8.50 L
Interest Cost
₹1.67 L
Effective Total
₹10.17 L
Maruti Swift - Key Facts
- -India's best-selling car for over a decade - massive resale value
- -Ex-showroom: Rs. 6.49-9.64 lakh; on-road adds 12-15% for registration + insurance
- -Insurance: ~Rs. 20,000-30,000/year for comprehensive cover
- -Mileage: ~23 km/L (manual) - low running cost
- -Available with Maruti Finance - typically 9-10% for existing Maruti customers
- -Ideal for city commuting; 1.2L petrol engine, 5-speed gearbox
Depreciation
20% in year 1, 10-15% per year after. After 5 years, Maruti Swift retains ~45-50% of on-road value due to high demand.
FAQs - Maruti Swift Car Loan
What is the EMI for Maruti Swift car loan?▾
For a Maruti Swift at on-road price of Rs. 8.50 lakh with 20% down payment (Rs. 1.70 lakh): Loan amount = Rs. 6.80 lakh, at 9% for 5 years, EMI = Rs. 14,116/month. Total interest paid = Rs. 1.67 lakh. With 30% down: EMI = Rs. 12,351/month.
What is the on-road price of Maruti Swift?▾
Maruti Swift on-road price ranges from Rs. 7.50 lakh to Rs. 10.00 lakh depending on variant (LXi, VXi, ZXi, ZXi+, AMT variants) and city. On-road price includes ex-showroom price, RTO registration (7-12%), comprehensive insurance (first year ~Rs. 20,000-50,000), and accessories if any.
How much down payment for Maruti Swift car loan?▾
Banks finance up to 80-85% of Maruti Swift's on-road price. Recommended down payment: 20-25%. For on-road price of Rs. 8.50 lakh: 20% down = Rs. 1.70 lakh, 25% down = Rs. 2.13 lakh. A higher down payment reduces EMI and total interest significantly.