Defender EMI Calculator


Updated on October 2026
Defender EMI starts at ₹2,02,420 per month for the 2.0 l Petrol 110 X-Dynamic HSE (₹1.07 Crore ex-showroom, ₹1.31 Crore on-road Delhi), on a ₹94.18 Lakh loan at 10.5% for 60 months. Down payment: ₹37.17 Lakh. Total interest: ₹27.28 Lakh. The top 4.4 l V8 Petrol 110 OCTA Edition One costs ₹4,95,626/month.
Also see: Defender On-road price | Defender Variants | Defender Mileage

Defender 2.0 l Petrol 110 X-Dynamic HSE EMI & Down Payment

Ex-showroom
: Rs. 1,07,00,001
On-road price
: Rs. 1,31,34,742  (Delhi)
Loan amount
: Rs. 94,17,565  (On-road - Down payment)
Down payment
: Rs. 37,17,177  (On-road - Loan amount)
Monthly EMI
: Rs. 2,02,420  (For Tenure of 60 months @ 10.5%; banks start from 8.7%)
Insurance
: Rs. 4,41,841
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Defender Car Loan EMI Calculator

On-road price (Delhi)
Rs. 1,31,34,742
Down payment
Rs. 37,17,177
Loan amount
Rs. 94,17,565
Interest rate
10.5%
Tenure
60 months
Monthly EMI
Rs. 2,02,420
Total interest
Rs. 27,27,635
Total payable
Rs. 1,21,45,200
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
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Defender Car Loan Interest Rates – Bank Comparison

Lending Partners Interest Rate EMI Starting From (60 Months)
Loans From HDFC BankHDFC Bank 8.85% onwards Rs. 1,94,808 (60 months)
Loans From ICICI BankICICI Bank 9% onwards Rs. 1,95,493 (60 months)
Loans From Axis BankAxis Bank 9.15% onwards Rs. 1,96,179 (60 months)
Loans From Bank of Baroda BankBank of Baroda 8.7% onwards Rs. 1,94,125 (60 months)
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Defender EMI by Loan Tenure

For a Rs. 94,17,565 loan on the 2.0 l Petrol 110 X-Dynamic HSE at 10.5%.

Tenure EMI Total Interest Total Payable
36 months Rs. 3,06,094 Rs. 16,01,819 Rs. 1,10,19,384
48 months Rs. 2,41,121 Rs. 21,56,243 Rs. 1,15,73,808
60 months Rs. 2,02,420 Rs. 27,27,635 Rs. 1,21,45,200
84 months Rs. 1,58,786 Rs. 39,20,459 Rs. 1,33,38,024
Defender
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Defender
4.5 54 user reviews
Starts at ₹ 1.07 Crore
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Defender Variant-wise EMI & Down Payment

Defender Variants Fuel/Transmission Ex-showroom Loan @10.5% Down Payment EMI (60 months)
2.0 l Petrol 110 X-Dynamic HSE Petrol / Automatic Rs. 1,07,00,001 Rs. 94,17,565 Rs. 37,17,177 Rs. 2,02,420
3.0 l Diesel 110 X-Dynamic HSE Diesel / Automatic Rs. 1,35,90,000 Rs. 1,19,62,658 Rs. 49,94,478 Rs. 2,57,124
5.0 l V8 Petrol 90 X Petrol / Automatic Rs. 1,42,90,001 Rs. 1,25,79,118 Rs. 47,08,163 Rs. 2,70,374
3.0 l Diesel 110 X Diesel / Automatic Rs. 1,44,00,000 Rs. 1,26,75,989 Rs. 52,27,833 Rs. 2,72,456
3.0 l Diesel 130 X-Dynamic HSE Diesel / Automatic Rs. 1,46,00,001 Rs. 1,28,52,121 Rs. 52,60,514 Rs. 2,76,242
5.0 l V8 Petrol 110 X-Dynamic HSE Petrol / Automatic Rs. 1,47,00,001 Rs. 1,29,40,187 Rs. 47,99,505 Rs. 2,78,135
3.0 l Diesel 130 X Diesel / Automatic Rs. 1,56,00,001 Rs. 1,37,32,777 Rs. 56,41,521 Rs. 2,95,171
5.0 l V8 Petrol 110 X Petrol / Automatic Rs. 1,57,00,001 Rs. 1,38,20,842 Rs. 51,27,912 Rs. 2,97,064
5.0 l V8 Petrol 130 X-Dynamic HSE Petrol / Automatic Rs. 1,60,00,001 Rs. 1,40,85,039 Rs. 51,91,584 Rs. 3,02,742
5.0 l V8 Petrol 90 Petrol / Automatic Rs. 1,62,90,001 Rs. 1,43,40,429 Rs. 53,09,477 Rs. 3,08,232
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EMI of Defender Rivals – X7, GLS, Majestor

Defender EMI – Frequently Asked Questions

What is the starting EMI of the Defender?

The Defender EMI starts at ₹2,02,420 per month for the 2.0 l Petrol 110 X-Dynamic HSE on a ₹94.18 Lakh loan at 10.5% for 60 months. Its on-road price in Delhi is ₹1.31 Crore.

What is the minimum down payment for the Defender?

About ₹37.17 Lakh for the 2.0 l Petrol 110 X-Dynamic HSE in Delhi: the on-road price of ₹1.31 Crore minus a ₹94.18 Lakh loan.

How much total interest will I pay on a Defender loan?

On a ₹94.18 Lakh loan at 10.5% for 60 months you pay ₹27.28 Lakh in interest, or ₹1.21 Crore in total.

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

For a ₹94.18 Lakh loan at 10.5%, the EMI is ₹3,06,094 per month over 3 years (₹16.02 Lakh interest) and ₹1,58,786 per month over 7 years (₹39.20 Lakh interest).

Which bank has the lowest interest rate for a Defender loan?

Of the banks listed on this page, Bank of Baroda starts lowest at 8.7%, which makes the EMI ₹1,94,125 per month on a ₹94.18 Lakh loan for 60 months.

What is the EMI of the Defender diesel automatic?

The 3.0 l Diesel 110 X-Dynamic HSE, the most affordable diesel automatic, costs ₹2,57,124 per month on a ₹1.20 Crore loan at 10.5% for 60 months.

What is the EMI of the top Defender variant?

The 4.4 l V8 Petrol 110 OCTA Edition One costs ₹4,95,626 per month on a ₹2.31 Crore loan at 10.5% for 60 months.

How is the Defender 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.

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4.5 54 user reviews
Starts at Rs. 1.07 Crore
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