Honda City EMI Calculator

Updated on October 2026

Honda City EMI starts at ₹22,595 per month for the SV petrol (₹12.00 Lakh ex-showroom, ₹13.94 Lakh on-road Delhi), on a ₹10.51 Lakh loan at 10.5% for 60 months. Down payment: ₹3.42 Lakh. Total interest: ₹3.04 Lakh. The top ZX Plus Hybrid costs ₹40,311/month.

Also see: City On-road price | City Variants | City Offers | City Mileage

Honda City SV EMI & Down Payment

Ex-showroom

: Rs. 11,99,900

On-road price

: Rs. 13,93,603 (Delhi)

Loan amount

: Rs. 10,51,249 (On-road - Down payment)

Down payment

: Rs. 3,42,354 (On-road - Loan amount)

Monthly EMI

: Rs. 22,595 (For Tenure of 60 months @ 10.5%; banks start from 8.7%)

Insurance

: Rs. 56,914

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Honda City Car Loan EMI Calculator

On-road price (Delhi): Rs. 13,93,603
Down payment: Rs. 3,42,354
Loan amount: Rs. 10,51,249
Interest rate: 10.5%
Tenure: 60 months
Monthly EMI: Rs. 22,595
Total interest: Rs. 3,04,451
Total payable: Rs. 13,55,700

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

Honda City Car Loan Interest Rates – Bank Comparison

Lending Partners	Interest Rate	EMI Starting From (60 Months)
HDFC Bank	8.85% onwards	Rs. 21,746 (60 months)
ICICI Bank	9% onwards	Rs. 21,822 (60 months)
Axis Bank	9.15% onwards	Rs. 21,899 (60 months)
Bank of Baroda	8.7% onwards	Rs. 21,669 (60 months)

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Honda City EMI by Loan Tenure

For a Rs. 10,51,249 loan on the SV petrol at 10.5%.

Tenure	EMI	Total Interest	Total Payable
36 months	Rs. 34,168	Rs. 1,78,799	Rs. 12,30,048
48 months	Rs. 26,916	Rs. 2,40,719	Rs. 12,91,968
60 months	Rs. 22,595	Rs. 3,04,451	Rs. 13,55,700
84 months	Rs. 17,725	Rs. 4,37,651	Rs. 14,88,900

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Honda City

4.3 9 user reviews

Starts at ₹ 12.00 Lakh

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Honda City Variant-wise EMI & Down Payment

City Variants	Fuel/Transmission	Ex-showroom	Loan @10.5%	Down Payment	EMI (60 months)
SV	Petrol / Manual	Rs. 11,99,900	Rs. 10,51,249	Rs. 3,42,354	Rs. 22,595
V	Petrol / Manual	Rs. 13,50,700	Rs. 11,84,051	Rs. 3,82,490	Rs. 25,450
V CVT	Petrol / Automatic	Rs. 14,50,700	Rs. 12,72,117	Rs. 4,09,104	Rs. 27,343
ZX	Petrol / Manual	Rs. 15,46,700	Rs. 13,56,660	Rs. 4,34,655	Rs. 29,160
ZX Plus	Petrol / Manual	Rs. 16,35,700	Rs. 14,35,038	Rs. 4,58,342	Rs. 30,845
ZX CVT	Petrol / Automatic	Rs. 16,46,700	Rs. 14,44,725	Rs. 4,61,270	Rs. 31,053
ZX Plus CVT	Petrol / Automatic	Rs. 17,35,700	Rs. 15,23,104	Rs. 4,84,956	Rs. 32,737
ZX Plus Hybrid	Petrol / Automatic	Rs. 21,35,800	Rs. 18,75,454	Rs. 5,91,442	Rs. 40,311

EMI of Honda City Rivals – Verna, Aeris, Slavia

Hyundai Verna
Rs. 10.98 Lakh
Verna EMI Compare with City
Tata Aeris
Rs. 5.30 Lakh
Aeris EMI Compare with City
Honda Amaze
Rs. 7.65 Lakh
Amaze EMI Compare with City
Skoda Slavia
Rs. 10.00 Lakh
Slavia EMI Compare with City
Honda Elevate
Rs. 11.80 Lakh
Elevate EMI Compare with City

Honda City EMI – Frequently Asked Questions

What is the starting EMI of the Honda City?

The Honda City EMI starts at ₹22,595 per month for the SV petrol on a ₹10.51 Lakh loan at 10.5% for 60 months. Its on-road price in Delhi is ₹13.94 Lakh.

What is the minimum down payment for the Honda City?

About ₹3.42 Lakh for the SV petrol in Delhi: the on-road price of ₹13.94 Lakh minus a ₹10.51 Lakh loan.

How much total interest will I pay on a Honda City loan?

On a ₹10.51 Lakh loan at 10.5% for 60 months you pay ₹3.04 Lakh in interest, or ₹13.56 Lakh in total.

What is the Honda City EMI for a 3-year versus a 7-year tenure?

For a ₹10.51 Lakh loan at 10.5%, the EMI is ₹34,168 per month over 3 years (₹1.79 Lakh interest) and ₹17,725 per month over 7 years (₹4.38 Lakh interest).

Which bank has the lowest interest rate for a Honda City loan?

Of the banks listed on this page, Bank of Baroda starts lowest at 8.7%, which makes the EMI ₹21,669 per month on a ₹10.51 Lakh loan for 60 months.

What is the EMI of the top Honda City variant?

The ZX Plus Hybrid costs ₹40,311 per month on a ₹18.75 Lakh loan at 10.5% for 60 months.

How is the Honda City 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 Honda City Q&A

Honda City

4.3 9 user reviews

Starts at Rs. 12.00 Lakh

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Honda City 2026 Brochure

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

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