BMW X3 EMI Calculator

Updated on October 2026

BMW X3 EMI starts at ₹1,32,195 per month for the xDrive 20 M Sport petrol (₹69.90 Lakh ex-showroom, ₹81.00 Lakh on-road Delhi), on a ₹61.50 Lakh loan at 10.5% for 60 months. Down payment: ₹19.50 Lakh. Total interest: ₹17.81 Lakh. The top xDrive 20d M Sport costs ₹1,47,905/month.

Also see: X3 On-road price | X3 Variants | X3 Mileage

BMW X3 xDrive 20 M Sport EMI & Down Payment

BMW X3 xDrive 20 M Sport – EMI calculator

Ex-showroom

: Rs. 69,90,000

On-road price

: Rs. 81,00,174 (Delhi)

Loan amount

: Rs. 61,50,332 (On-road - Down payment)

Down payment

: Rs. 19,49,842 (On-road - Loan amount)

Monthly EMI

: Rs. 1,32,195 (For Tenure of 60 months @ 10.5%; banks start from 8.7%)

Insurance

: Rs. 2,98,774

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BMW X3 Car Loan EMI Calculator

On-road price (Delhi): Rs. 81,00,174
Down payment: Rs. 19,49,842
Loan amount: Rs. 61,50,332
Interest rate: 10.5%
Tenure: 60 months
Monthly EMI: Rs. 1,32,195
Total interest: Rs. 17,81,368
Total payable: Rs. 79,31,700

EMI in advance: You pay one EMI instalment in advance to the bank. This amount is deducted from the loan amount disbursed to the dealer. Thus it gets added to the down payment that you are to make.
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EMI in arrears: You don't make any advance EMI payments. The bank disburses the loan amount minus any other one time fees. ..Read More ..Read Less

BMW X3 Car Loan Interest Rates – Bank Comparison

Lending Partners	Interest Rate	EMI Starting From (60 Months)
HDFC Bank	8.85% onwards	Rs. 1,27,223 (60 months)
ICICI Bank	9% onwards	Rs. 1,27,671 (60 months)
Axis Bank	9.15% onwards	Rs. 1,28,119 (60 months)
Bank of Baroda	8.7% onwards	Rs. 1,26,777 (60 months)

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BMW X3 EMI by Loan Tenure

For a Rs. 61,50,332 loan on the xDrive 20 M Sport petrol at 10.5%.

Tenure	EMI	Total Interest	Total Payable
36 months	Rs. 1,99,901	Rs. 10,46,104	Rs. 71,96,436
48 months	Rs. 1,57,469	Rs. 14,08,180	Rs. 75,58,512
60 months	Rs. 1,32,195	Rs. 17,81,368	Rs. 79,31,700
84 months	Rs. 1,03,699	Rs. 25,60,384	Rs. 87,10,716

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BMW X3

Starts at ₹ 69.90 Lakh

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BMW X3 Variant-wise EMI & Down Payment

X3 Variants	Fuel/Transmission	Ex-showroom	Loan @10.5%	Down Payment	EMI (60 months)
xDrive 20 M Sport	Petrol / Automatic	Rs. 69,90,000	Rs. 61,50,332	Rs. 19,49,842	Rs. 1,32,195
xDrive 30 M Sport Pro	Petrol / Automatic	Rs. 76,90,000	Rs. 67,66,791	Rs. 21,41,177	Rs. 1,45,445
xDrive 20d M Sport	Diesel / Automatic	Rs. 78,20,000	Rs. 68,81,276	Rs. 24,49,605	Rs. 1,47,905

EMI of BMW X3 Rivals – Cyberster, Carnival, Range Rover Velar

BMW X1
Rs. 52.90 Lakh
X1 EMI Compare with X3
MG Cyberster
Rs. 82.50 Lakh
Cyberster EMI Compare with X3
Kia Carnival
Rs. 59.65 Lakh
Carnival EMI Compare with X3
Land Rover Range Rover Velar
Rs. 87.50 Lakh
Range Rover Velar EMI Compare with X3
Audi Q7
Rs. 87.17 Lakh
Q7 EMI Compare with X3

BMW X3 EMI – Frequently Asked Questions

What is the starting EMI of the BMW X3?

The BMW X3 EMI starts at ₹1,32,195 per month for the xDrive 20 M Sport petrol on a ₹61.50 Lakh loan at 10.5% for 60 months. Its on-road price in Delhi is ₹81.00 Lakh.

What is the minimum down payment for the BMW X3?

About ₹19.50 Lakh for the xDrive 20 M Sport petrol in Delhi: the on-road price of ₹81.00 Lakh minus a ₹61.50 Lakh loan.

How much total interest will I pay on a BMW X3 loan?

On a ₹61.50 Lakh loan at 10.5% for 60 months you pay ₹17.81 Lakh in interest, or ₹79.32 Lakh in total.

What is the BMW X3 EMI for a 3-year versus a 7-year tenure?

For a ₹61.50 Lakh loan at 10.5%, the EMI is ₹1,99,901 per month over 3 years (₹10.46 Lakh interest) and ₹1,03,699 per month over 7 years (₹25.60 Lakh interest).

Which bank has the lowest interest rate for a BMW X3 loan?

Of the banks listed on this page, Bank of Baroda starts lowest at 8.7%, which makes the EMI ₹1,26,777 per month on a ₹61.50 Lakh loan for 60 months.

What is the EMI of the BMW X3 diesel automatic?

The xDrive 20d M Sport, the most affordable diesel automatic, costs ₹1,47,905 per month on a ₹68.81 Lakh loan at 10.5% for 60 months.

What is the EMI of the top BMW X3 variant?

The xDrive 20d M Sport costs ₹1,47,905 per month on a ₹68.81 Lakh loan at 10.5% for 60 months.

How is the BMW X3 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.

Ask or read owner questions on BMW X3 Q&A

BMW X3

Starts at Rs. 69.90 Lakh

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BMW X3 2026 Brochure

Download brochure for detailed information of specifications, features & variants prices

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