BMW iX1 EMI Calculator


Updated on November 2026
BMW iX1 EMI starts at ₹1,03,423 per month for the LWB electric (₹54.70 Lakh ex-showroom, ₹58.37 Lakh on-road Delhi), on a ₹48.12 Lakh loan at 10.5% for 60 months. Down payment: ₹10.26 Lakh. Total interest: ₹13.94 Lakh.
Also see: iX1 On-road price | iX1 Variants | iX1 Offers | iX1 Mileage

BMW iX1 EMI and Down Payment

Ex-showroom
: Rs. 54,70,000
On-road price
: Rs. 58,37,359  (Delhi)
Loan amount
: Rs. 48,11,736  (On-road price - Down payment)
Down payment
: Rs. 10,25,623  (Amount paid upfront)
Monthly EMI
: Rs. 1,03,423  (For Tenure of 60 months @ 10.5%; banks start from 8.7%)
Insurance
: Rs. 2,29,859
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BMW iX1 Car Loan EMI Calculator

Variant
LWB
On-road price (Delhi)
Rs. 58,37,359
Down payment
Rs. 10,25,623
Loan amount
Rs. 48,11,736
Interest rate
10.5%
Tenure
60 months
Monthly EMI
Rs. 1,03,423
EMI in advance: You pay one EMI instalment in advance to the bank. This amount is EMI in arrears: You don't make any advance EMI payments. The bank disburses the loan

BMW iX1 Car Loan EMI & Loan Breakdown

Monthly EMI
Rs. 1,03,423
60 months @ 10.5%
  • Down paymentRs. 10,25,623
  • Loan amountRs. 48,11,736
  • Total interestRs. 13,93,644
  • Total loan repayment (EMIs)Rs. 62,05,380
  • Total purchase outlayRs. 72,31,003

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the LWB costs you over the loan; it does not include insurance renewal, fuel, maintenance or lender charges other than the processing fee.

YearPrincipal paidInterest paidOutstanding loan
Year 1 Months 1-12Rs. 7,72,310Rs. 4,68,766Rs. 40,39,426
Year 2 Months 13-24Rs. 8,57,421Rs. 3,83,655Rs. 31,82,005
Year 3 Months 25-36Rs. 9,51,911Rs. 2,89,165Rs. 22,30,094
Year 4 Months 37-48Rs. 10,56,816Rs. 1,84,260Rs. 11,73,278
Year 5 Months 49-60Rs. 11,73,278Rs. 67,798Rs. 0
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BMW iX1 Car Loan Interest Rates – Bank Comparison

Lending Partners Interest Rate EMI Starting From (60 Months)
Loans From HDFC BankHDFC Bank 8.85% onwards Rs. 99,534 (60 months)
Loans From ICICI BankICICI Bank 9% onwards Rs. 99,884 (60 months)
Loans From Axis BankAxis Bank 9.15% onwards Rs. 1,00,234 (60 months)
Loans From Bank of Baroda BankBank of Baroda 8.7% onwards Rs. 99,185 (60 months)
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BMW iX1 EMI by Loan Tenure

For a Rs. 48,11,736 loan on the LWB electric at 10.5%.

Tenure EMI Total Interest Total Payable
36 months Rs. 1,56,393 Rs. 8,18,412 Rs. 56,30,148
48 months Rs. 1,23,197 Rs. 11,01,720 Rs. 59,13,456
60 months Rs. 1,03,423 Rs. 13,93,644 Rs. 62,05,380
84 months Rs. 81,129 Rs. 20,03,100 Rs. 68,14,836
BMW iX1
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BMW iX1
5.0 2 user reviews
Starts at ₹ 54.70 Lakh
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How Is the BMW iX1 EMI Calculated?

EMI = [P × r × (1 + r)n] ÷ [(1 + r)n − 1], where P is the loan amount, r is the monthly interest rate {(annual rate ÷ 12) ÷ 100} and n is the tenure in months. For the LWB electric variant: P = ₹48.12 Lakh, r = (10.5 ÷ 12) ÷ 100 = 0.00875 and n = 60 months, which gives an EMI of ₹1,03,423.

The calculation starts from the Delhi on-road price of ₹58.37 Lakh (ex-showroom ₹54.70 Lakh plus insurance, RTO and other charges).

Factors That Affect Your BMW iX1 Loan EMI

  • Down payment: Every ₹1 lakh of extra down payment lowers the EMI by about ₹2,149 at 10.5% for 60 months.
  • Interest rate: A rate 1% higher adds about ₹2,400 to the EMI on a ₹48.12 Lakh loan. Starting rates from the banks on this page range from 8.7% to 9.15%.
  • Loan tenure: Over 36 months the EMI is ₹1,56,393; over 84 months it drops to ₹81,129 but you pay ₹11.85 Lakh more in interest.
  • Variant and city: The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

EMI of BMW iX1 Rivals – Roadster, Camry, Majestor

Starting EMI of each model's base variant, worked out the same way as the BMW iX1: the down payment is the on-road price minus the loan.

ModelOn-road PriceEMITenureInterest RateCompare
Tesla Roadster Performance Rs. 50,60,660 Rs. 94,640 60 months 10.5% Compare with iX1
Toyota Camry Elegance Rs. 57,73,374 Rs. 92,047 60 months 10.5% Compare with iX1
MG Majestor Savvy 4x2 6STR Rs. 50,62,980 Rs. 80,311 60 months 10.5% Compare with iX1
Toyota Fortuner Legender 4x2 AT Rs. 52,98,266 Rs. 81,939 60 months 10.5% Compare with iX1

Frequently Asked Questions About BMW iX1 EMI

What is the monthly EMI for the BMW iX1?

₹1,03,423 a month for the LWB electric, on a ₹48.12 Lakh loan at 10.5% for 5 years.

How much down payment is required for the BMW iX1?

About ₹10.26 Lakh for the LWB electric in Delhi. That's the on-road price of ₹58.37 Lakh minus the ₹48.12 Lakh loan.

How does the loan tenure affect the BMW iX1 EMI?

Over 3 years the EMI is ₹1,56,393 and you pay ₹8.18 Lakh in interest. Stretch it to 7 years and the EMI drops to ₹81,129, but interest rises to ₹20.03 Lakh.

Is the BMW iX1 EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the LWB electric costs ₹58.37 Lakh on-road, which includes ₹2.30 Lakh insurance and ₹1.38 Lakh RTO and other charges.

Does the BMW iX1 EMI calculator include the processing fee?

Yes. The ₹5,450 processing fee is paid with the down payment and is not added to the loan.

Which bank has the lowest interest rate for a BMW iX1 loan?

Bank of Baroda, from 8.7%. At that rate the EMI on the same ₹48.12 Lakh loan comes to ₹99,185 a month.

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Starts at Rs. 54.70 Lakh
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