BMW X1 EMI Calculator


Updated on October 2026
BMW X1 EMI starts at ₹1,00,016 per month for the sDrive18i M Sport petrol (₹52.90 Lakh ex-showroom, ₹61.16 Lakh on-road Delhi), on a ₹46.53 Lakh loan at 10.5% for 60 months. Down payment: ₹14.63 Lakh. Total interest: ₹13.48 Lakh.
Also see: X1 On-road price | X1 Variants | X1 Mileage

BMW X1 sDrive18i M Sport EMI & Down Payment

Ex-showroom
: Rs. 52,90,000
On-road price
: Rs. 61,15,840  (Delhi)
Loan amount
: Rs. 46,53,218  (On-road - Down payment)
Down payment
: Rs. 14,62,622  (On-road - Loan amount)
Monthly EMI
: Rs. 1,00,016  (For Tenure of 60 months @ 10.5%; banks start from 8.7%)
Insurance
: Rs. 2,07,440
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BMW X1 Car Loan EMI Calculator

On-road price (Delhi)
Rs. 61,15,840
Down payment
Rs. 14,62,622
Loan amount
Rs. 46,53,218
Interest rate
10.5%
Tenure
60 months
Monthly EMI
Rs. 1,00,016
Total interest
Rs. 13,47,742
Total payable
Rs. 60,00,960
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
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BMW X1 Car Loan Interest Rates – Bank Comparison

Lending Partners Interest Rate EMI Starting From (60 Months)
Loans From HDFC BankHDFC Bank 8.85% onwards Rs. 96,255 (60 months)
Loans From ICICI BankICICI Bank 9% onwards Rs. 96,593 (60 months)
Loans From Axis BankAxis Bank 9.15% onwards Rs. 96,932 (60 months)
Loans From Bank of Baroda BankBank of Baroda 8.7% onwards Rs. 95,917 (60 months)
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BMW X1 EMI by Loan Tenure

For a Rs. 46,53,218 loan on the sDrive18i M Sport petrol at 10.5%.

Tenure EMI Total Interest Total Payable
36 months Rs. 1,51,241 Rs. 7,91,458 Rs. 54,44,676
48 months Rs. 1,19,138 Rs. 10,65,406 Rs. 57,18,624
60 months Rs. 1,00,016 Rs. 13,47,742 Rs. 60,00,960
84 months Rs. 78,456 Rs. 19,37,086 Rs. 65,90,304
BMW X1
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BMW X1
4.7 49 user reviews
Starts at ₹ 52.90 Lakh
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BMW X1 EMI – Frequently Asked Questions

What is the starting EMI of the BMW X1?

The BMW X1 EMI starts at ₹1,00,016 per month for the sDrive18i M Sport petrol on a ₹46.53 Lakh loan at 10.5% for 60 months. Its on-road price in Delhi is ₹61.16 Lakh.

What is the minimum down payment for the BMW X1?

About ₹14.63 Lakh for the sDrive18i M Sport petrol in Delhi: the on-road price of ₹61.16 Lakh minus a ₹46.53 Lakh loan.

How much total interest will I pay on a BMW X1 loan?

On a ₹46.53 Lakh loan at 10.5% for 60 months you pay ₹13.48 Lakh in interest, or ₹60.01 Lakh in total.

What is the BMW X1 EMI for a 3-year versus a 7-year tenure?

For a ₹46.53 Lakh loan at 10.5%, the EMI is ₹1,51,241 per month over 3 years (₹7.91 Lakh interest) and ₹78,456 per month over 7 years (₹19.37 Lakh interest).

Which bank has the lowest interest rate for a BMW X1 loan?

Of the banks listed on this page, Bank of Baroda starts lowest at 8.7%, which makes the EMI ₹95,917 per month on a ₹46.53 Lakh loan for 60 months.

How is the BMW X1 down payment calculated?

Down payment is the on-road price minus the loan amount. ZigWheels finances 90% of the ex-showroom price, less the processing fee and one EMI paid in advance, so the down payment covers the rest of the ex-showroom price plus insurance, registration and other on-road charges.

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BMW X1
BMW X1
4.7 49 user reviews
Starts at Rs. 52.90 Lakh
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