BMW X5 EMI Calculator


Updated on October 2026
BMW X5 EMI starts at ₹1,83,302 per month for the xDrive40i xLine petrol (₹96.90 Lakh ex-showroom, ₹1.12 Crore on-road Delhi), on a ₹85.28 Lakh loan at 10.5% for 60 months. Down payment: ₹26.88 Lakh. Total interest: ₹24.70 Lakh. The top xDrive30d M Sport costs ₹2,14,535/month.
Also see: X5 On-road price | X5 Variants | X5 Mileage

BMW X5 xDrive40i xLine EMI & Down Payment

Ex-showroom
: Rs. 96,90,000
On-road price
: Rs. 1,12,15,893  (Delhi)
Loan amount
: Rs. 85,28,102  (On-road - Down payment)
Down payment
: Rs. 26,87,791  (On-road - Loan amount)
Monthly EMI
: Rs. 1,83,302  (For Tenure of 60 months @ 10.5%; banks start from 8.7%)
Insurance
: Rs. 4,02,893
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BMW X5 Car Loan EMI Calculator

On-road price (Delhi)
Rs. 1,12,15,893
Down payment
Rs. 26,87,791
Loan amount
Rs. 85,28,102
Interest rate
10.5%
Tenure
60 months
Monthly EMI
Rs. 1,83,302
Total interest
Rs. 24,70,018
Total payable
Rs. 1,09,98,120
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 X5 Car Loan Interest Rates – Bank Comparison

Lending Partners Interest Rate EMI Starting From (60 Months)
Loans From HDFC BankHDFC Bank 8.85% onwards Rs. 1,76,409 (60 months)
Loans From ICICI BankICICI Bank 9% onwards Rs. 1,77,029 (60 months)
Loans From Axis BankAxis Bank 9.15% onwards Rs. 1,77,651 (60 months)
Loans From Bank of Baroda BankBank of Baroda 8.7% onwards Rs. 1,75,790 (60 months)
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BMW X5 EMI by Loan Tenure

For a Rs. 85,28,102 loan on the xDrive40i xLine petrol at 10.5%.

Tenure EMI Total Interest Total Payable
36 months Rs. 2,77,184 Rs. 14,50,522 Rs. 99,78,624
48 months Rs. 2,18,348 Rs. 19,52,602 Rs. 1,04,80,704
60 months Rs. 1,83,302 Rs. 24,70,018 Rs. 1,09,98,120
84 months Rs. 1,43,790 Rs. 35,50,258 Rs. 1,20,78,360
BMW X5
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BMW X5
5.0 28 user reviews
Starts at ₹ 96.90 Lakh
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BMW X5 Variant-wise EMI & Down Payment

X5 Variants Fuel/Transmission Ex-showroom Loan @10.5% Down Payment EMI (60 months)
xDrive40i xLine Petrol / Automatic Rs. 96,90,000 Rs. 85,28,102 Rs. 26,87,791 Rs. 1,83,302
xDrive30d xLine Diesel / Automatic Rs. 98,90,000 Rs. 87,04,233 Rs. 30,86,622 Rs. 1,87,088
xDrive40i M Sport Petrol / Automatic Rs. 1,11,40,000 Rs. 98,05,052 Rs. 30,77,456 Rs. 2,10,749
xDrive30d M Sport Diesel / Automatic Rs. 1,13,40,000 Rs. 99,81,183 Rs. 35,27,738 Rs. 2,14,535

EMI of BMW X5 Rivals – Defender, Vellfire, Cyberster

BMW X5 EMI – Frequently Asked Questions

What is the starting EMI of the BMW X5?

The BMW X5 EMI starts at ₹1,83,302 per month for the xDrive40i xLine petrol on a ₹85.28 Lakh loan at 10.5% for 60 months. Its on-road price in Delhi is ₹1.12 Crore.

What is the minimum down payment for the BMW X5?

About ₹26.88 Lakh for the xDrive40i xLine petrol in Delhi: the on-road price of ₹1.12 Crore minus a ₹85.28 Lakh loan.

How much total interest will I pay on a BMW X5 loan?

On a ₹85.28 Lakh loan at 10.5% for 60 months you pay ₹24.70 Lakh in interest, or ₹1.10 Crore in total.

What is the BMW X5 EMI for a 3-year versus a 7-year tenure?

For a ₹85.28 Lakh loan at 10.5%, the EMI is ₹2,77,184 per month over 3 years (₹14.51 Lakh interest) and ₹1,43,790 per month over 7 years (₹35.50 Lakh interest).

Which bank has the lowest interest rate for a BMW X5 loan?

Of the banks listed on this page, Bank of Baroda starts lowest at 8.7%, which makes the EMI ₹1,75,790 per month on a ₹85.28 Lakh loan for 60 months.

What is the EMI of the BMW X5 diesel automatic?

The xDrive30d xLine, the most affordable diesel automatic, costs ₹1,87,088 per month on a ₹87.04 Lakh loan at 10.5% for 60 months.

What is the EMI of the top BMW X5 variant?

The xDrive30d M Sport costs ₹2,14,535 per month on a ₹99.81 Lakh loan at 10.5% for 60 months.

How is the BMW X5 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 X5
BMW X5
5.0 28 user reviews
Starts at Rs. 96.90 Lakh
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