Ferrari 812 EMI Calculator
Updated on October 2026
Ferrari 812 EMI and Down Payment
Ferrari 812 Car Loan EMI Calculator
- Variant
- GTS
- On-road price (Delhi)
- Rs. 6,60,76,362
- Down payment
- Rs. 1,54,44,120
- Loan amount
- Rs. 5,06,32,242
- Interest rate
- 10.5%
- Tenure
- 60 months
- Monthly EMI
- Rs. 10,88,284
Ferrari 812 Car Loan EMI & Loan Breakdown
- Down paymentRs. 1,54,44,120
- Loan amountRs. 5,06,32,242
- Total interestRs. 1,46,64,798
- Total loan repayment (EMIs)Rs. 6,52,97,040
- Total purchase outlayRs. 8,07,41,160
Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the GTS 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. 81,26,741 | Rs. 49,32,667 | Rs. 4,25,05,501 |
| Year 2 Months 13-24 | Rs. 90,22,336 | Rs. 40,37,072 | Rs. 3,34,83,165 |
| Year 3 Months 25-36 | Rs. 1,00,16,628 | Rs. 30,42,780 | Rs. 2,34,66,537 |
| Year 4 Months 37-48 | Rs. 1,11,20,496 | Rs. 19,38,912 | Rs. 1,23,46,041 |
| Year 5 Months 49-60 | Rs. 1,23,46,041 | Rs. 7,13,367 | Rs. 0 |
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Ferrari 812 Car Loan Interest Rates – Bank Comparison
| Lending Partners | Interest Rate | EMI Starting From (60 Months) |
|---|---|---|
 HDFC Bank |
8.85% onwards | Rs. 10,47,360 (60 months) |
| ICICI Bank |
9% onwards | Rs. 10,51,042 (60 months) |
| Axis Bank |
9.15% onwards | Rs. 10,54,732 (60 months) |
| Bank of Baroda |
8.7% onwards | Rs. 10,43,685 (60 months) |
Ferrari 812 EMI by Loan Tenure
For a Rs. 5,06,32,242 loan on the GTS petrol at 10.5%.
| Tenure | EMI | Total Interest | Total Payable |
|---|---|---|---|
| 36 months | Rs. 16,45,672 | Rs. 86,11,950 | Rs. 5,92,44,192 |
| 48 months | Rs. 12,96,357 | Rs. 1,15,92,894 | Rs. 6,22,25,136 |
| 60 months | Rs. 10,88,284 | Rs. 1,46,64,798 | Rs. 6,52,97,040 |
| 84 months | Rs. 8,53,694 | Rs. 2,10,78,054 | Rs. 7,17,10,296 |
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How Is the Ferrari 812 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 GTS petrol variant: P = ₹5.06 Crore, r = (10.5 ÷ 12) ÷ 100 = 0.00875 and n = 60 months, which gives an EMI of ₹10,88,284.
The calculation starts from the Delhi on-road price of ₹6.61 Crore (ex-showroom ₹5.75 Crore plus insurance, RTO and other charges).
Factors That Affect Your Ferrari 812 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 ₹25,251 to the EMI on a ₹5.06 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 ₹16,45,672; over 84 months it drops to ₹8,53,694 but you pay ₹1.25 Crore 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 Ferrari 812 Rivals – Continental, Flying Spur, Bentayga
Starting EMI of each model's base variant, worked out the same way as the Ferrari 812: the down payment is the on-road price minus the loan.
| Model | On-road Price | EMI | Tenure | Interest Rate | Compare |
|---|---|---|---|---|---|
| Bentley Continental GT V8 | Rs. 6,00,96,359 | Rs. 9,89,732 | 60 months | 10.5% | Compare with 812 |
| Bentley Flying Spur V6 Hybrid | Rs. 6,03,33,550 | Rs. 9,93,641 | 60 months | 10.5% | Compare with 812 |
| Ferrari Amalfi V8 | Rs. 6,42,38,661 | Rs. 10,57,998 | 60 months | 10.5% | Compare with 812 |
| Bentley Bentayga V8 | Rs. 5,75,00,009 | Rs. 9,46,943 | 60 months | 10.5% | Compare with 812 |
Frequently Asked Questions About Ferrari 812 EMI
What is the monthly EMI for the Ferrari 812?
₹10,88,284 a month for the GTS petrol, on a ₹5.06 Crore loan at 10.5% for 5 years.
How much down payment is required for the Ferrari 812?
About ₹1.54 Crore for the GTS petrol in Delhi. That's the on-road price of ₹6.61 Crore minus the ₹5.06 Crore loan.
How does the loan tenure affect the Ferrari 812 EMI?
Over 3 years the EMI is ₹16,45,672 and you pay ₹86.12 Lakh in interest. Stretch it to 7 years and the EMI drops to ₹8,53,694, but interest rises to ₹2.11 Crore.
Is the Ferrari 812 EMI calculated on the ex-showroom price or the on-road price?
On the on-road price. In Delhi the GTS petrol costs ₹6.61 Crore on-road, which includes ₹22.47 Lakh insurance and ₹63.30 Lakh RTO and other charges.
Does the Ferrari 812 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 Ferrari 812 loan?
Bank of Baroda, from 8.7%. At that rate the EMI on the same ₹5.06 Crore loan comes to ₹10,43,685 a month.
Ferrari 812 2026 Brochure
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