Isuzu V-Cross EMI Calculator


Updated on October 2026
Isuzu V-Cross EMI starts at ₹49,107 per month for the 4x4 Z diesel (₹26.01 Lakh ex-showroom, ₹31.12 Lakh on-road Delhi), on a ₹22.85 Lakh loan at 10.5% for 60 months. Down payment: ₹8.27 Lakh. Total interest: ₹6.62 Lakh. The top 4x4 Z Prestige AT costs ₹57,615/month.
Also see: V-Cross On-road price | V-Cross Variants | V-Cross Mileage

Isuzu V-Cross EMI and Down Payment

Ex-showroom
: Rs. 26,00,500
On-road price
: Rs. 31,11,878  (Delhi)
Loan amount
: Rs. 22,84,695  (On-road price - Down payment)
Down payment
: Rs. 8,27,183  (Amount paid upfront)
Monthly EMI
: Rs. 49,107  (For Tenure of 60 months @ 10.5%; banks start from 8.7%)
Insurance
: Rs. 1,29,505
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Isuzu V-Cross Car Loan EMI Calculator

Variant
4x4 Z
On-road price (Delhi)
Rs. 31,11,878
Down payment
Rs. 8,27,183
Loan amount
Rs. 22,84,695
Interest rate
10.5%
Tenure
60 months
Monthly EMI
Rs. 49,107
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

Isuzu V-Cross Car Loan EMI & Loan Breakdown

Monthly EMI
Rs. 49,107
60 months @ 10.5%
  • Down paymentRs. 8,27,183
  • Loan amountRs. 22,84,695
  • Total interestRs. 6,61,725
  • Total loan repayment (EMIs)Rs. 29,46,420
  • Total purchase outlayRs. 37,73,603

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the 4x4 Z 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. 3,66,706Rs. 2,22,578Rs. 19,17,989
Year 2 Months 13-24Rs. 4,07,118Rs. 1,82,166Rs. 15,10,871
Year 3 Months 25-36Rs. 4,51,983Rs. 1,37,301Rs. 10,58,888
Year 4 Months 37-48Rs. 5,01,794Rs. 87,490Rs. 5,57,094
Year 5 Months 49-60Rs. 5,57,094Rs. 32,190Rs. 0
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Isuzu V-Cross Car Loan Interest Rates – Bank Comparison

Lending Partners Interest Rate EMI Starting From (60 Months)
Loans From HDFC BankHDFC Bank 8.85% onwards Rs. 47,260 (60 months)
Loans From ICICI BankICICI Bank 9% onwards Rs. 47,427 (60 months)
Loans From Axis BankAxis Bank 9.15% onwards Rs. 47,593 (60 months)
Loans From Bank of Baroda BankBank of Baroda 8.7% onwards Rs. 47,095 (60 months)
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Isuzu V-Cross EMI by Loan Tenure

For a Rs. 22,84,695 loan on the 4x4 Z diesel at 10.5%.

Tenure EMI Total Interest Total Payable
36 months Rs. 74,258 Rs. 3,88,593 Rs. 26,73,288
48 months Rs. 58,496 Rs. 5,23,113 Rs. 28,07,808
60 months Rs. 49,107 Rs. 6,61,725 Rs. 29,46,420
84 months Rs. 38,521 Rs. 9,51,069 Rs. 32,35,764
Isuzu V-Cross
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Isuzu V-Cross
4.7 18 user reviews
Starts at ₹ 26.01 Lakh
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Isuzu V-Cross 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.

V-Cross Variants Fuel/Transmission Ex-showroom On-road Price Loan @10.5% Down Payment EMI (60 months)
4x4 Z Diesel / Manual Rs. 26,00,500 Rs. 31,11,878 Rs. 22,84,695 Rs. 8,27,183 Rs. 49,107
4x4 Z Prestige Diesel / Manual Rs. 27,49,500 Rs. 32,88,229 Rs. 24,15,912 Rs. 8,72,317 Rs. 51,927
4x4 Z Prestige AT Diesel / Automatic Rs. 30,50,000 Rs. 36,43,889 Rs. 26,80,549 Rs. 9,63,340 Rs. 57,615

How Is the Isuzu V-Cross 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 4x4 Z diesel variant: P = ₹22.85 Lakh, r = (10.5 ÷ 12) ÷ 100 = 0.00875 and n = 60 months, which gives an EMI of ₹49,107.

The calculation starts from the Delhi on-road price of ₹31.12 Lakh (ex-showroom ₹26.01 Lakh plus insurance, RTO and other charges).

Factors That Affect Your Isuzu V-Cross 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 ₹1,139 to the EMI on a ₹22.85 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 ₹74,258; over 84 months it drops to ₹38,521 but you pay ₹5.62 Lakh more in interest.
  • Variant and city: In Delhi the EMI ranges from ₹49,107 (4x4 Z diesel) to ₹57,615 (4x4 Z Prestige AT). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

EMI of Isuzu V-Cross Rivals – Innova Crysta, Sorento, XEV 9e

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

ModelOn-road PriceEMITenureInterest RateCompare
Toyota Innova Crysta 2.4 GX 7Str Rs. 24,97,730 Rs. 37,646 60 months 10.5% Compare with V-Cross
Kia Sorento HTE 7-Seater Diesel Rs. 33,46,814 Rs. 52,864 60 months 10.5% Compare with V-Cross
Mahindra XEV 9e Pack One Rs. 23,64,611 Rs. 41,337 60 months 10.5% Compare with V-Cross
Toyota Hilux GX 4x2 AT Rs. 38,20,239 Rs. 60,436 60 months 10.5% Compare with V-Cross

Frequently Asked Questions About Isuzu V-Cross EMI

What is the monthly EMI for the Isuzu V-Cross?

₹49,107 a month for the 4x4 Z diesel, on a ₹22.85 Lakh loan at 10.5% for 5 years. The top 4x4 Z Prestige AT works out to ₹57,615.

How much down payment is required for the Isuzu V-Cross?

About ₹8.27 Lakh for the 4x4 Z diesel in Delhi. That's the on-road price of ₹31.12 Lakh minus the ₹22.85 Lakh loan.

How does the loan tenure affect the Isuzu V-Cross EMI?

Over 3 years the EMI is ₹74,258 and you pay ₹3.89 Lakh in interest. Stretch it to 7 years and the EMI drops to ₹38,521, but interest rises to ₹9.51 Lakh.

Is the Isuzu V-Cross EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the 4x4 Z diesel costs ₹31.12 Lakh on-road, which includes ₹1.30 Lakh insurance and ₹3.82 Lakh RTO and other charges.

Does the Isuzu V-Cross 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 Isuzu V-Cross loan?

Bank of Baroda, from 8.7%. At that rate the EMI on the same ₹22.85 Lakh loan comes to ₹47,095 a month.

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Isuzu V-Cross
Isuzu V-Cross
4.7 18 user reviews
Starts at Rs. 26.01 Lakh
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