EMI Calculator
Lotus Emira EMI in Surat
Monthly installment, down payment, and city-specific stamp duty for Lotus Emira in Surat.
Your Loan Parameters
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10%60%
1 yr7 yrs
Ex-showroom
₹322.32 L
On-road (Surat)
₹355.19 L
Down payment
₹71,03,877
Loan amount
₹2,84,15,509
EMI by Lender
Best rate in green · Based on typical published rates
| Bank | Rate | EMI | Total Interest | Processing |
|---|---|---|---|---|
| HDFC Bank | 8.5% p.a. | ₹5,82,988/mo | ₹65,63,752 | ₹2,13,116 |
| ICICI Bank | 8.75% p.a. | ₹5,86,417/mo | ₹67,69,539 | ₹1,42,078 |
| SBIBest | 8.25% p.a. | ₹5,79,570/mo | ₹63,58,683 | ₹99,454 |
| Axis Bank | 8.9% p.a. | ₹5,88,481/mo | ₹68,93,356 | ₹2,84,155 |
| Kotak Bank | 8.6% p.a. | ₹5,84,358/mo | ₹66,45,981 | ₹2,13,116 |
Surat On-Road Breakup
- Ex-showroom₹322.32 L
- Registration + RTO₹16,11,587
- Insurance (1 yr)₹12,89,270
- Stamp duty (0.2%)₹64,463
- On-road Surat₹355.19 L
Total Repayment (5 yrs)
- Monthly EMI (best rate)₹5,79,570
- Total paid to bank₹3,47,74,192
- Interest paid₹63,58,683
- Total cost (incl. DP)₹4,18,78,069
FAQs — Lotus Emira EMI in Surat
What is the EMI for Lotus Emira in Surat?
With 20% down payment over 5 years at the best rate (8.25%), EMI is approximately ₹5,79,570/month.
Which bank offers the lowest car loan rate?
SBI has the lowest rate at 8.25% p.a. for EV loans. Rates vary based on credit score — confirm with each bank.
What is the down payment for Lotus Emira?
Most banks require 10-20% down. With 20% down in Surat, you'd pay ₹71,03,877 upfront.
Is the on-road price in Surat different from ex-showroom?
Yes. Surat on-road price includes RTO (~5%), insurance (~4%), and stamp duty (0.2%) — adding about 10% to ex-showroom.
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