Maruti Suzuki Swift EMI calculator
Calculate the Maruti Suzuki Swift 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 ₹10,450 a month, for the LXi Petrol MT at ₹6.22 lakh on the road in Delhi.
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.
This starts on the full on-road price in Delhi, with road tax, registration and insurance included. Drag it to the variant you want.
Rates differ by lender and credit record. Drag this to the rate your bank actually quotes you.
- Amount financed
- ₹4,97,360
- Interest over 5 years
- ₹1,29,640
- Total paid, down payment included
- ₹7,51,340
Year-by-year scheduleHow each year's payments split between interest and the loan
2026₹13,068₹7,823₹4,84,292
2027₹82,887₹42,462₹4,01,407
2028₹91,112₹34,235₹3,10,295
2029₹1,00,153₹25,192₹2,10,141
2030₹1,10,093₹15,251₹1,00,047
2031₹1,00,047₹4,408₹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 Maruti Suzuki Swift'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 Maruti Suzuki Swift variant
On-road price in Delhi 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.
Your road tax depends on where you register. and every figure on this page moves to yours.
| Variant | On-road in Delhi | EMI a month |
|---|---|---|
| LXi Petrol MT | ₹6.22 lakh | about ₹10,450 |
| VXi Petrol MT | ₹7.19 lakh | about ₹12,090 |
| VXi (O) Petrol MT | ₹7.47 lakh | about ₹12,560 |
| VXi Petrol AT | ₹7.68 lakh | about ₹12,900 |
| VXi (O) Petrol AT | ₹7.95 lakh | about ₹13,360 |
| VXi CNG MT | ₹8.11 lakh | about ₹13,630 |
| ZXi Petrol MT | ₹8.20 lakh | about ₹13,780 |
| VXi (O) CNG MT | ₹8.39 lakh | about ₹14,100 |
| VXi CNG AT | ₹8.62 lakh | about ₹14,480 |
| ZXi Petrol AT | ₹8.68 lakh | about ₹14,590 |
| VXi (O) CNG AT | ₹8.90 lakh | about ₹14,950 |
| ZXi+ Petrol MT | ₹8.92 lakh | about ₹14,980 |
| ZXi CNG MT | ₹9.12 lakh | about ₹15,320 |
| ZXi+ Petrol AT | ₹9.40 lakh | about ₹15,790 |
| ZXi CNG AT | ₹9.62 lakh | about ₹16,170 |
What goes into the on-road total? The Maruti Suzuki Swift on-road price page itemises it, state by state. And which Swift variant to buy says where the money works hardest.
The Swift ladder, a month at a time
Seven of the 15 variants, spread up the ladder; the table above has every one.
- LXi Petrol MT₹10,450
- VXi (O) Petrol MT₹12,560
- VXi CNG MT₹13,630
- VXi (O) CNG MT₹14,100
- ZXi Petrol AT₹14,590
- ZXi CNG MT₹15,320
- ZXi CNG AT₹16,170
Worth knowing before you sign the loan
- From ₹10,450 to ₹16,170 a month across the ladder: the ZXi CNG AT costs ₹5,720 a month more than the LXi Petrol MT, ₹3,43,200 over the 5 years.
- The biggest jump between neighbours on the ladder is the LXi Petrol MT to the VXi Petrol MT: ₹1,640 a month more for that one move up.
- On the road in Delhi rather than ex-showroom, the LXi Petrol MT's instalment is ₹10,450 a month instead of ₹9,810: ₹640 a month more, because road tax and registration are in the loan too.
What your monthly budget buys
Shopping on the instalment rather than the price? At 9.5% a year over 5 years with 20% down on the on-road price in Delhi, here is the variant each monthly budget reaches.
- About ₹11,000 a monthreaches theLXi Petrol MTat about ₹10,450
- About ₹13,000 a monthreaches theVXi Petrol ATat about ₹12,900
- About ₹14,000 a monthreaches theZXi Petrol MTat about ₹13,780
- About ₹15,000 a monthreaches theZXi+ Petrol MTat about ₹14,980
The top ZXi CNG AT needs about ₹16,170 a month.
Maruti Suzuki Swift EMI, answered
The monthly figure, the down payment, and which price to finance.
- What is the monthly EMI for the Maruti Suzuki Swift?
- From about ₹10,450 a month, up to about ₹16,170 on the top variant, at 9.5% a year over 5 years with 20% down on the on-road price in Delhi. 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.
- Which Maruti Suzuki Swift variant fits my monthly budget?
- At 9.5% a year over 5 years with 20% down on the on-road price in Delhi, the LXi Petrol MT is the way in at about ₹10,450 a month. From there about ₹13,000 a month reaches the VXi Petrol AT, about ₹14,000 a month reaches the ZXi Petrol MT, about ₹15,000 a month reaches the ZXi+ Petrol MT, and the top ZXi CNG AT needs about ₹16,170. Treat those as starting points rather than quotes: your own rate, tenure and down payment move every one of them, and stretching the tenure brings a dearer variant inside the same instalment at the cost of more interest overall.
- How much down payment does the Maruti Suzuki Swift need?
- At 20% down on the on-road price in Delhi, the upfront amount runs from ₹1,24,340 on the LXi Petrol MT to ₹1,92,472 on the ZXi CNG 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 Maruti Suzuki Swift EMI be on the ex-showroom or the on-road price?
- On-road. Ex-showroom leaves out road tax, registration and insurance, which is real money a loan usually has to cover, so every figure on this page is on the on-road price in Delhi. The city in the header decides which city that is.
Looking at a different car? The car loan EMI calculator works with any price, and the Maruti Suzuki Swift page holds every variant, each carrying it pre-filled.