BMW X6 EMI Calculator

Updated on October 2026

BMW X6 EMI starts at ₹3,36,625 per month for the M60i xDrive petrol (₹1.78 Crore ex-showroom, ₹2.05 Crore on-road Delhi), on a ₹1.57 Crore loan at 10.5% for 60 months. Down payment: ₹48.06 Lakh. Total interest: ₹45.36 Lakh.

Also see: X6 On-road price | X6 Variants

BMW X6 EMI and Down Payment

Ex-showroom

: Rs. 1,77,90,000

On-road price

: Rs. 2,04,66,948 (Delhi)

Loan amount

: Rs. 1,56,61,411 (On-road price - Down payment)

Down payment

: Rs. 48,05,537 (Amount paid upfront)

Monthly EMI

: Rs. 3,36,625 (For Tenure of 60 months @ 10.5%; banks start from 8.7%)

Insurance

: Rs. 7,15,248

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BMW X6 Car Loan EMI Calculator

Variant: M60i xDrive
On-road price (Delhi): Rs. 2,04,66,948
Down payment: Rs. 48,05,537
Loan amount: Rs. 1,56,61,411
Interest rate: 10.5%
Tenure: 60 months
Monthly EMI: Rs. 3,36,625

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 X6 Car Loan EMI & Loan Breakdown

Monthly EMI

Rs. 3,36,625

60 months @ 10.5%

Down paymentRs. 48,05,537
Loan amountRs. 1,56,61,411
Total interestRs. 45,36,089
Total loan repayment (EMIs)Rs. 2,01,97,500
Total purchase outlayRs. 2,50,03,037

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the M60i xDrive costs you over the loan; it does not include insurance renewal, fuel, maintenance or lender charges other than the processing fee.

Year	Principal paid	Interest paid	Outstanding loan
Year 1 Months 1-12	Rs. 25,13,743	Rs. 15,25,757	Rs. 1,31,47,668
Year 2 Months 13-24	Rs. 27,90,765	Rs. 12,48,735	Rs. 1,03,56,903
Year 3 Months 25-36	Rs. 30,98,318	Rs. 9,41,182	Rs. 72,58,585
Year 4 Months 37-48	Rs. 34,39,763	Rs. 5,99,737	Rs. 38,18,822
Year 5 Months 49-60	Rs. 38,18,822	Rs. 2,20,678	Rs. 0

BMW X6 Car Loan Interest Rates – Bank Comparison

Lending Partners	Interest Rate	EMI Starting From (60 Months)
HDFC Bank	8.85% onwards	Rs. 3,23,966 (60 months)
ICICI Bank	9% onwards	Rs. 3,25,105 (60 months)
Axis Bank	9.15% onwards	Rs. 3,26,246 (60 months)
Bank of Baroda	8.7% onwards	Rs. 3,22,830 (60 months)

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BMW X6 EMI by Loan Tenure

For a Rs. 1,56,61,411 loan on the M60i xDrive petrol at 10.5%.

Tenure	EMI	Total Interest	Total Payable
36 months	Rs. 5,09,034	Rs. 26,63,813	Rs. 1,83,25,224
48 months	Rs. 4,00,985	Rs. 35,85,869	Rs. 1,92,47,280
60 months	Rs. 3,36,625	Rs. 45,36,089	Rs. 2,01,97,500
84 months	Rs. 2,64,062	Rs. 65,19,797	Rs. 2,21,81,208

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BMW X6

Starts at ₹ 1.78 Crore

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How Is the BMW X6 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 M60i xDrive petrol variant: P = ₹1.57 Crore, r = (10.5 ÷ 12) ÷ 100 = 0.00875 and n = 60 months, which gives an EMI of ₹3,36,625.

The calculation starts from the Delhi on-road price of ₹2.05 Crore (ex-showroom ₹1.78 Crore plus insurance, RTO and other charges).

Factors That Affect Your BMW X6 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 ₹7,810 to the EMI on a ₹1.57 Crore loan. Starting rates from the banks on this page range from 8.7% to 9.15%.
Loan tenure: Over 36 months the EMI is ₹5,09,034; over 84 months it drops to ₹2,64,062 but you pay ₹38.56 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 X6 Rivals – Porsche 911, Range Rover Sport, GLS

Starting EMI of each model's base variant, worked out the same way as the BMW X6: the down payment is the on-road price minus the loan.

Model	On-road Price	EMI	Tenure	Interest Rate	Compare
Porsche 911 Carrera	Rs. 2,29,86,894	Rs. 3,78,154	60 months	10.5%	Compare with X6
BMW M5 xDrive	Rs. 2,43,64,218	Rs. 4,00,225	60 months	10.5%	Compare with X6
Land Rover Range Rover Sport 3.0 l Petrol Dynamic HSE	Rs. 1,64,58,466	Rs. 2,70,564	60 months	10.5%	Compare with X6
Mercedes-Benz GLS 450 4MATIC AMG Line	Rs. 1,58,26,756	Rs. 2,60,153	60 months	10.5%	Compare with X6

Frequently Asked Questions About BMW X6 EMI

What is the monthly EMI for the BMW X6?

₹3,36,625 a month for the M60i xDrive petrol, on a ₹1.57 Crore loan at 10.5% for 5 years.

How much down payment is required for the BMW X6?

About ₹48.06 Lakh for the M60i xDrive petrol in Delhi. That's the on-road price of ₹2.05 Crore minus the ₹1.57 Crore loan.

How does the loan tenure affect the BMW X6 EMI?

Over 3 years the EMI is ₹5,09,034 and you pay ₹26.64 Lakh in interest. Stretch it to 7 years and the EMI drops to ₹2,64,062, but interest rises to ₹65.20 Lakh.

Is the BMW X6 EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the M60i xDrive petrol costs ₹2.05 Crore on-road, which includes ₹7.15 Lakh insurance and ₹19.62 Lakh RTO and other charges.

Does the BMW X6 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 X6 loan?

Bank of Baroda, from 8.7%. At that rate the EMI on the same ₹1.57 Crore loan comes to ₹3,22,830 a month.

Ask or read owner questions on BMW X6 Q&A

BMW X6

Starts at Rs. 1.78 Crore

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BMW M5 Rs. 2.12 Crore
BMW X7 Rs. 1.26 Crore
BMW X1 Rs. 52.90 Lakh
BMW X5 Rs. 96.90 Lakh
BMW M2 Rs. 1.07 Crore

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