EMI Calculator
Tata Xpres-T EV EMI in Surat
Monthly installment, down payment, and city-specific stamp duty for Tata Xpres-T EV in Surat.
Your Loan Parameters
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10%60%
1 yr7 yrs
Ex-showroom
₹13.04 L
On-road (Surat)
₹14.37 L
Down payment
₹2,87,402
Loan amount
₹11,49,606
EMI by Lender
Best rate in green · Based on typical published rates
| Bank | Rate | EMI | Total Interest | Processing |
|---|---|---|---|---|
| HDFC Bank | 8.5% p.a. | ₹23,586/mo | ₹2,65,550 | ₹8,622 |
| ICICI Bank | 8.75% p.a. | ₹23,725/mo | ₹2,73,875 | ₹5,748 |
| SBIBest | 8.25% p.a. | ₹23,448/mo | ₹2,57,253 | ₹4,024 |
| Axis Bank | 8.9% p.a. | ₹23,808/mo | ₹2,78,884 | ₹11,496 |
| Kotak Bank | 8.6% p.a. | ₹23,641/mo | ₹2,68,876 | ₹8,622 |
Surat On-Road Breakup
- Ex-showroom₹13.04 L
- Registration + RTO₹65,200
- Insurance (1 yr)₹52,160
- Stamp duty (0.2%)₹2,608
- On-road Surat₹14.37 L
Total Repayment (5 yrs)
- Monthly EMI (best rate)₹23,448
- Total paid to bank₹14,06,859
- Interest paid₹2,57,253
- Total cost (incl. DP)₹16,94,261
FAQs — Tata Xpres-T EV EMI in Surat
What is the EMI for Tata Xpres-T EV in Surat?
With 20% down payment over 5 years at the best rate (8.25%), EMI is approximately ₹23,448/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 Tata Xpres-T EV?
Most banks require 10-20% down. With 20% down in Surat, you'd pay ₹2,87,402 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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