Hyundai Bayon EMI Calculator


Updated on October 2026
Hyundai Bayon EMI starts at ₹18,827 per month for the HX 2 Petrol MT (₹10.00 Lakh ex-showroom, ₹11.24 Lakh on-road Delhi), on a ₹8.76 Lakh loan at 10.5% for 60 months. Down payment: ₹2.48 Lakh. Total interest: ₹2.54 Lakh.
Also see: Bayon On-road price | Bayon Variants

Hyundai Bayon EMI and Down Payment

Ex-showroom
: Rs. 9,99,900
On-road price
: Rs. 11,24,247  (Delhi)
Loan amount
: Rs. 8,75,917  (On-road - Down payment)
Down payment
: Rs. 2,48,330  (On-road - Loan amount)
Monthly EMI
: Rs. 18,827  (For Tenure of 60 months @ 10.5%; banks start from 8.7%)
Insurance
: Rs. 49,554
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Hyundai Bayon Car Loan EMI Calculator

Variant
HX 2 Petrol MT
On-road price (Delhi)
Rs. 11,24,247
Down payment
Rs. 2,48,330
Loan amount
Rs. 8,75,917
Interest rate
10.5%
Tenure
60 months
Monthly EMI
Rs. 18,827
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

Hyundai Bayon Car Loan EMI & Loan Breakdown

Monthly EMI
Rs. 18,827
60 months @ 10.5%
  • Down paymentRs. 2,48,330
  • Loan amountRs. 8,75,917
  • Total interestRs. 2,53,703
  • Total loan repayment (EMIs)Rs. 11,29,620
  • Total purchase outlayRs. 13,77,950

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the HX 2 Petrol MT costs you over the loan; it does not include insurance renewal, fuel, maintenance or lender charges other than the processing fee.

YearPrincipal paidInterest paidOutstanding loan
Year 1 Months 1-12Rs. 1,40,591Rs. 85,333Rs. 7,35,326
Year 2 Months 13-24Rs. 1,56,085Rs. 69,839Rs. 5,79,241
Year 3 Months 25-36Rs. 1,73,285Rs. 52,639Rs. 4,05,956
Year 4 Months 37-48Rs. 1,92,382Rs. 33,542Rs. 2,13,574
Year 5 Months 49-60Rs. 2,13,574Rs. 12,350Rs. 0
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Hyundai Bayon Car Loan Interest Rates – Bank Comparison

Lending Partners Interest Rate EMI Starting From (60 Months)
Loans From HDFC BankHDFC Bank 8.85% onwards Rs. 18,119 (60 months)
Loans From ICICI BankICICI Bank 9% onwards Rs. 18,183 (60 months)
Loans From Axis BankAxis Bank 9.15% onwards Rs. 18,246 (60 months)
Loans From Bank of Baroda BankBank of Baroda 8.7% onwards Rs. 18,055 (60 months)
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Hyundai Bayon EMI by Loan Tenure

For a Rs. 8,75,917 loan on the HX 2 Petrol MT at 10.5%.

Tenure EMI Total Interest Total Payable
36 months Rs. 28,469 Rs. 1,48,967 Rs. 10,24,884
48 months Rs. 22,426 Rs. 2,00,531 Rs. 10,76,448
60 months Rs. 18,827 Rs. 2,53,703 Rs. 11,29,620
84 months Rs. 14,769 Rs. 3,64,679 Rs. 12,40,596
Hyundai Bayon
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Hyundai Bayon
4.3 1 user reviews
Starts at ₹ 10.00 Lakh
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How Is the Hyundai Bayon 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 HX 2 Petrol MT variant: P = ₹8.76 Lakh, r = (10.5 ÷ 12) ÷ 100 = 0.00875 and n = 60 months, which gives an EMI of ₹18,827.

The calculation starts from the Delhi on-road price of ₹11.24 Lakh (ex-showroom ₹10.00 Lakh plus insurance, RTO and other charges).

Factors That Affect Your Hyundai Bayon 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 ₹437 to the EMI on a ₹8.76 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 ₹28,469; over 84 months it drops to ₹14,769 but you pay ₹2.16 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 Hyundai Bayon Rivals – Sierra, Thar OG, Seltos

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

ModelOn-road PriceEMITenureInterest RateCompare
Tata Sierra Smart Plus Rs. 13,57,731 Rs. 21,632 60 months 10.5% Compare with Bayon
Mahindra Thar OG 1.5L AXT Diesel RWD Rs. 12,37,175 Rs. 19,417 60 months 10.5% Compare with Bayon
Hyundai Creta E Rs. 12,97,873 Rs. 20,528 60 months 10.5% Compare with Bayon
Kia Seltos HTE Rs. 13,61,193 Rs. 21,176 60 months 10.5% Compare with Bayon

Frequently Asked Questions About Hyundai Bayon EMI

What is the monthly EMI for the Hyundai Bayon?

₹18,827 a month for the HX 2 Petrol MT, on a ₹8.76 Lakh loan at 10.5% for 5 years.

How much down payment is required for the Hyundai Bayon?

About ₹2.48 Lakh for the HX 2 Petrol MT in Delhi. That's the on-road price of ₹11.24 Lakh minus the ₹8.76 Lakh loan.

How does the loan tenure affect the Hyundai Bayon EMI?

Over 3 years the EMI is ₹28,469 and you pay ₹1.49 Lakh in interest. Stretch it to 7 years and the EMI drops to ₹14,769, but interest rises to ₹3.65 Lakh.

Is the Hyundai Bayon EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the HX 2 Petrol MT costs ₹11.24 Lakh on-road, which includes ₹49,554 insurance and ₹74,793 RTO and other charges.

Does the Hyundai Bayon EMI calculator include the processing fee?

Yes. The ₹4,650 processing fee is paid with the down payment and is not added to the loan.

Which bank has the lowest interest rate for a Hyundai Bayon loan?

Bank of Baroda, from 8.7%. At that rate the EMI on the same ₹8.76 Lakh loan comes to ₹18,055 a month.

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