BMW X1 EMI calculator
Calculate the BMW X1 EMI on the on-road price, not the ex-showroom price: on-road is the full amount you actually pay, and the amount a loan has to cover.
EMIs start from about ₹88,880 a month, for the sDrive18d M Sport Diesel AT at ₹52.90 lakh ex-showroom, at 9.5% a year over 5 years with 20% down. Every variant's figure is below, and each one moves with your own rate, tenure and down payment.
Good choice. The on-road price is the full amount you pay, so this EMI is the complete picture.
Rates differ by lender and credit record. Drag this to the rate your bank actually quotes you.
- Amount financed
- ₹42,32,000
- Interest over 5 years
- ₹11,00,800
- Total paid, down payment included
- ₹63,90,800
Year-by-year scheduleHow each year's payments split between interest and the loan
2026₹1,11,192₹66,568₹41,20,809
2027₹7,05,265₹3,61,291₹34,15,543
2028₹7,75,262₹2,91,297₹26,40,281
2029₹8,52,203₹2,14,356₹17,88,077
2030₹9,36,783₹1,29,777₹8,51,294
2031₹8,51,294₹37,505₹0
Arithmetic on your inputs, not a loan offer: lenders set their own rates, fees and margins, and the quote that matters is theirs.
The price slider spans the BMW X1's own range. Open a variant below and this calculator arrives with that variant's exact price already in place, on-road for your city.
EMI for every BMW X1 variant
Ex-showroom price and the monthly figure at 9.5% a year over 5 years with 20% down. Starting points, not quotes: the calculator recomputes them the moment you set your own numbers.
A loan covers the on-road price, which runs higher than this. Switch to On-road at the top and pick your city to see that figure instead.
| Variant | Ex-showroom | EMI a month |
|---|---|---|
| sDrive18d M Sport Diesel AT | ₹52.90 lakh | about ₹88,880 |
Financing the on-road total instead? The BMW X1 on-road price page shows what it costs on the road, state by state.
Worth knowing before you sign the loan
- Financed on the road in Delhi rather than ex-showroom, the sDrive18d M Sport Diesel AT's instalment is ₹1,01,400 a month instead of ₹88,880: ₹12,520 a month more, because road tax and registration are in the loan too.
BMW X1 EMI, answered
The monthly figure, the down payment, and which price to finance.
- What is the monthly EMI for the BMW X1?
- From about ₹88,880 a month, at 9.5% a year over 5 years with 20% down on the ex-showroom price. These are starting points, not quotes: your bank's rate and your own down payment move the figure, and the calculator on this page recomputes it as you set them.
- How much down payment does the BMW X1 need?
- At the 20% the calculator opens on, that is ₹10,58,000 upfront on the sDrive18d M Sport Diesel AT. That share is yours to choose: the calculator accepts anything from 0% to 90%, and a bigger down payment trades cash today for a smaller EMI every month.
- Should the BMW X1 EMI be on the ex-showroom or the on-road price?
- On-road. Ex-showroom leaves out road tax, insurance and charges, which is real money a loan usually has to cover. The table on this page starts from ex-showroom so every variant is comparable; open any variant and set your city, and the same calculator finances the full on-road amount instead.
Looking at a different car? The car loan EMI calculator works with any price, and the BMW X1 page holds every variant, each carrying it pre-filled.