Hyundai IONIQ 5 EMI Calculator

Updated on October 2026

Hyundai IONIQ 5 EMI starts at ₹1,05,316 per month for the Long Range RWD electric (₹55.70 Lakh ex-showroom, ₹58.64 Lakh on-road Delhi), on a ₹49.00 Lakh loan at 10.5% for 60 months. Down payment: ₹9.64 Lakh. Total interest: ₹14.19 Lakh.

Also see: IONIQ 5 On-road price | IONIQ 5 Variants | IONIQ 5 Mileage

Hyundai IONIQ 5 EMI and Down Payment

Hyundai IONIQ 5 Long Range RWD – EMI calculator

Ex-showroom

: Rs. 55,70,000

On-road price

: Rs. 58,63,906 (Delhi)

Loan amount

: Rs. 48,99,801 (On-road price - Down payment)

Down payment

: Rs. 9,64,105 (Amount paid upfront)

Monthly EMI

: Rs. 1,05,316 (For Tenure of 60 months @ 10.5%; banks start from 8.7%)

Insurance

: Rs. 2,33,606

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Hyundai IONIQ 5 Car Loan EMI Calculator

Variant: Long Range RWD
On-road price (Delhi): Rs. 58,63,906
Down payment: Rs. 9,64,105
Loan amount: Rs. 48,99,801
Interest rate: 10.5%
Tenure: 60 months
Monthly EMI: Rs. 1,05,316

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

Hyundai IONIQ 5 Car Loan EMI & Loan Breakdown

Monthly EMI

Rs. 1,05,316

60 months @ 10.5%

Down paymentRs. 9,64,105
Loan amountRs. 48,99,801
Total interestRs. 14,19,159
Total loan repayment (EMIs)Rs. 63,18,960
Total purchase outlayRs. 72,83,065

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the Long Range RWD 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. 7,86,446	Rs. 4,77,346	Rs. 41,13,355
Year 2 Months 13-24	Rs. 8,73,116	Rs. 3,90,676	Rs. 32,40,239
Year 3 Months 25-36	Rs. 9,69,336	Rs. 2,94,456	Rs. 22,70,903
Year 4 Months 37-48	Rs. 10,76,160	Rs. 1,87,632	Rs. 11,94,743
Year 5 Months 49-60	Rs. 11,94,743	Rs. 69,049	Rs. 0

Hyundai IONIQ 5 Car Loan Interest Rates – Bank Comparison

Lending Partners	Interest Rate	EMI Starting From (60 Months)
HDFC Bank	8.85% onwards	Rs. 1,01,355 (60 months)
ICICI Bank	9% onwards	Rs. 1,01,712 (60 months)
Axis Bank	9.15% onwards	Rs. 1,02,069 (60 months)
Bank of Baroda	8.7% onwards	Rs. 1,01,000 (60 months)

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Hyundai IONIQ 5 EMI by Loan Tenure

For a Rs. 48,99,801 loan on the Long Range RWD electric at 10.5%.

Tenure	EMI	Total Interest	Total Payable
36 months	Rs. 1,59,256	Rs. 8,33,415	Rs. 57,33,216
48 months	Rs. 1,25,451	Rs. 11,21,847	Rs. 60,21,648
60 months	Rs. 1,05,316	Rs. 14,19,159	Rs. 63,18,960
84 months	Rs. 82,614	Rs. 20,39,775	Rs. 69,39,576

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Hyundai IONIQ 5

4.7 0 user reviews

Starts at ₹ 55.70 Lakh

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How Is the Hyundai IONIQ 5 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 Long Range RWD electric variant: P = ₹49.00 Lakh, r = (10.5 ÷ 12) ÷ 100 = 0.00875 and n = 60 months, which gives an EMI of ₹1,05,316.

The calculation starts from the Delhi on-road price of ₹58.64 Lakh (ex-showroom ₹55.70 Lakh plus insurance, RTO and other charges).

Factors That Affect Your Hyundai IONIQ 5 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 ₹2,443 to the EMI on a ₹49.00 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 ₹1,59,256; over 84 months it drops to ₹82,614 but you pay ₹12.06 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 IONIQ 5 Rivals – Roadster, Camry, Fortuner Legender

Starting EMI of each model's base variant, worked out the same way as the Hyundai IONIQ 5: the down payment is the on-road price minus the loan.

Model	On-road Price	EMI	Tenure	Interest Rate	Compare
Tesla Roadster Performance	Rs. 50,60,660	Rs. 94,640	60 months	10.5%	Compare with IONIQ 5
Toyota Camry Sprint Edition	Rs. 57,82,174	Rs. 92,047	60 months	10.5%	Compare with IONIQ 5
Toyota Fortuner Legender 4x2 AT	Rs. 52,98,266	Rs. 81,939	60 months	10.5%	Compare with IONIQ 5
MG Majestor Savvy 4x2	Rs. 50,62,980	Rs. 80,311	60 months	10.5%	Compare with IONIQ 5

Frequently Asked Questions About Hyundai IONIQ 5 EMI

What is the monthly EMI for the Hyundai IONIQ 5?

₹1,05,316 a month for the Long Range RWD electric, on a ₹49.00 Lakh loan at 10.5% for 5 years.

How much down payment is required for the Hyundai IONIQ 5?

About ₹9.64 Lakh for the Long Range RWD electric in Delhi. That's the on-road price of ₹58.64 Lakh minus the ₹49.00 Lakh loan.

How does the loan tenure affect the Hyundai IONIQ 5 EMI?

Over 3 years the EMI is ₹1,59,256 and you pay ₹8.33 Lakh in interest. Stretch it to 7 years and the EMI drops to ₹82,614, but interest rises to ₹20.40 Lakh.

Is the Hyundai IONIQ 5 EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the Long Range RWD electric costs ₹58.64 Lakh on-road, which includes ₹2.34 Lakh insurance and ₹60,300 RTO and other charges.