BMW Z4 EMI Calculator
Updated on October 2026
BMW Z4 EMI and Down Payment
BMW Z4 Car Loan EMI Calculator
- Variant
- M40i
- On-road price (Delhi)
- Rs. 1,04,73,813
- Down payment
- Rs. 25,09,331
- Loan amount
- Rs. 79,64,482
- Interest rate
- 10.5%
- Tenure
- 60 months
- Monthly EMI
- Rs. 1,71,188
BMW Z4 Car Loan EMI & Loan Breakdown
- Down paymentRs. 25,09,331
- Loan amountRs. 79,64,482
- Total interestRs. 23,06,798
- Total loan repayment (EMIs)Rs. 1,02,71,280
- Total purchase outlayRs. 1,27,80,611
Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the M40i 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. 12,78,345 | Rs. 7,75,911 | Rs. 66,86,137 |
| Year 2 Months 13-24 | Rs. 14,19,222 | Rs. 6,35,034 | Rs. 52,66,915 |
| Year 3 Months 25-36 | Rs. 15,75,626 | Rs. 4,78,630 | Rs. 36,91,289 |
| Year 4 Months 37-48 | Rs. 17,49,266 | Rs. 3,04,990 | Rs. 19,42,023 |
| Year 5 Months 49-60 | Rs. 19,42,023 | Rs. 1,12,233 | Rs. 0 |
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BMW Z4 Car Loan Interest Rates – Bank Comparison
| Lending Partners | Interest Rate | EMI Starting From (60 Months) |
|---|---|---|
 HDFC Bank |
8.85% onwards | Rs. 1,64,750 (60 months) |
| ICICI Bank |
9% onwards | Rs. 1,65,330 (60 months) |
| Axis Bank |
9.15% onwards | Rs. 1,65,910 (60 months) |
| Bank of Baroda |
8.7% onwards | Rs. 1,64,172 (60 months) |
BMW Z4 EMI by Loan Tenure
For a Rs. 79,64,482 loan on the M40i petrol at 10.5%.
| Tenure | EMI | Total Interest | Total Payable |
|---|---|---|---|
| 36 months | Rs. 2,58,865 | Rs. 13,54,658 | Rs. 93,19,140 |
| 48 months | Rs. 2,03,918 | Rs. 18,23,582 | Rs. 97,88,064 |
| 60 months | Rs. 1,71,188 | Rs. 23,06,798 | Rs. 1,02,71,280 |
| 84 months | Rs. 1,34,287 | Rs. 33,15,626 | Rs. 1,12,80,108 |
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BMW Z4 Variant-Wise EMI
On-road prices in Delhi. Every variant uses the same rule: the loan runs 60 months at 10.5%, and the down payment is the on-road price minus the loan.
| Z4 Variants | Fuel/Transmission | Ex-showroom | On-road Price | Loan @10.5% | Down Payment | EMI (60 months) |
|---|---|---|---|---|---|---|
| M40i | Petrol / Automatic | Rs. 90,50,000 | Rs. 1,04,73,813 | Rs. 79,64,482 | Rs. 25,09,331 | Rs. 1,71,188 |
| M40i Pure Impulse AT | Petrol / Automatic | Rs. 91,70,000 | Rs. 1,06,12,240 | Rs. 80,70,161 | Rs. 25,42,079 | Rs. 1,73,459 |
| M40i Pure Impulse | Petrol / Manual | Rs. 95,20,000 | Rs. 1,10,15,937 | Rs. 83,78,390 | Rs. 26,37,547 | Rs. 1,80,084 |
How Is the BMW Z4 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 M40i petrol variant: P = ₹79.64 Lakh, r = (10.5 ÷ 12) ÷ 100 = 0.00875 and n = 60 months, which gives an EMI of ₹1,71,188.
The calculation starts from the Delhi on-road price of ₹1.05 Crore (ex-showroom ₹90.50 Lakh plus insurance, RTO and other charges).
Factors That Affect Your BMW Z4 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 ₹3,972 to the EMI on a ₹79.64 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 ₹2,58,865; over 84 months it drops to ₹1,34,287 but you pay ₹19.61 Lakh more in interest.
- Variant and city: In Delhi the EMI ranges from ₹1,71,188 (M40i petrol) to ₹1,80,084 (M40i Pure Impulse). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.
EMI of BMW Z4 Rivals – Defender, Cyberster, Q7
Starting EMI of each model's base variant, worked out the same way as the BMW Z4: the down payment is the on-road price minus the loan.
| Model | On-road Price | EMI | Tenure | Interest Rate | Compare |
|---|---|---|---|---|---|
| Land Rover Defender 2.0 l Petrol 110 X-Dynamic HSE | Rs. 1,21,55,191 | Rs. 1,87,277 | 60 months | 10.5% | Compare with Z4 |
| MG Cyberster GT | Rs. 86,70,930 | Rs. 1,56,041 | 60 months | 10.5% | Compare with Z4 |
| Audi Q7 Premium Plus | Rs. 1,00,87,041 | Rs. 1,64,885 | 60 months | 10.5% | Compare with Z4 |
| Land Rover Range Rover Velar 2.0 l Petrol Autobiography | Rs. 1,04,57,544 | Rs. 1,65,509 | 60 months | 10.5% | Compare with Z4 |
Frequently Asked Questions About BMW Z4 EMI
What is the monthly EMI for the BMW Z4?
₹1,71,188 a month for the M40i petrol, on a ₹79.64 Lakh loan at 10.5% for 5 years. The top M40i Pure Impulse works out to ₹1,80,084.
How much down payment is required for the BMW Z4?
About ₹25.09 Lakh for the M40i petrol in Delhi. That's the on-road price of ₹1.05 Crore minus the ₹79.64 Lakh loan.
How does the loan tenure affect the BMW Z4 EMI?
Over 3 years the EMI is ₹2,58,865 and you pay ₹13.55 Lakh in interest. Stretch it to 7 years and the EMI drops to ₹1,34,287, but interest rises to ₹33.16 Lakh.
Is the BMW Z4 EMI calculated on the ex-showroom price or the on-road price?
On the on-road price. In Delhi the M40i petrol costs ₹1.05 Crore on-road, which includes ₹3.78 Lakh insurance and ₹10.46 Lakh RTO and other charges.
Does the BMW Z4 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 Z4 loan?
Bank of Baroda, from 8.7%. At that rate the EMI on the same ₹79.64 Lakh loan comes to ₹1,64,172 a month.
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