Lexus LX EMI Calculator
Updated on November 2026
Lexus LX EMI and Down Payment
Lexus LX Car Loan EMI Calculator
- Variant
- 500d
- On-road price (Delhi)
- Rs. 3,33,39,469
- Down payment
- Rs. 85,63,274
- Loan amount
- Rs. 2,47,76,195
- Interest rate
- 10.5%
- Tenure
- 60 months
- Monthly EMI
- Rs. 5,32,537
Lexus LX Car Loan EMI & Loan Breakdown
- Down paymentRs. 85,63,274
- Loan amountRs. 2,47,76,195
- Total interestRs. 71,76,025
- Total loan repayment (EMIs)Rs. 3,19,52,220
- Total purchase outlayRs. 4,05,15,494
Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the 500d 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. 39,76,711 | Rs. 24,13,733 | Rs. 2,07,99,484 |
| Year 2 Months 13-24 | Rs. 44,14,958 | Rs. 19,75,486 | Rs. 1,63,84,526 |
| Year 3 Months 25-36 | Rs. 49,01,502 | Rs. 14,88,942 | Rs. 1,14,83,024 |
| Year 4 Months 37-48 | Rs. 54,41,664 | Rs. 9,48,780 | Rs. 60,41,360 |
| Year 5 Months 49-60 | Rs. 60,41,360 | Rs. 3,49,084 | Rs. 0 |
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Lexus LX Car Loan Interest Rates – Bank Comparison
| Lending Partners | Interest Rate | EMI Starting From (60 Months) |
|---|---|---|
 HDFC Bank |
8.85% onwards | Rs. 5,12,511 (60 months) |
| ICICI Bank |
9% onwards | Rs. 5,14,313 (60 months) |
| Axis Bank |
9.15% onwards | Rs. 5,16,119 (60 months) |
| Bank of Baroda |
8.7% onwards | Rs. 5,10,713 (60 months) |
Lexus LX EMI by Loan Tenure
For a Rs. 2,47,76,195 loan on the 500d diesel at 10.5%.
| Tenure | EMI | Total Interest | Total Payable |
|---|---|---|---|
| 36 months | Rs. 8,05,287 | Rs. 42,14,137 | Rs. 2,89,90,332 |
| 48 months | Rs. 6,34,354 | Rs. 56,72,797 | Rs. 3,04,48,992 |
| 60 months | Rs. 5,32,537 | Rs. 71,76,025 | Rs. 3,19,52,220 |
| 84 months | Rs. 4,17,743 | Rs. 1,03,14,217 | Rs. 3,50,90,412 |
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Lexus LX 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.
| LX Variants | Fuel/Transmission | Ex-showroom | On-road Price | Loan @10.5% | Down Payment | EMI (60 months) |
|---|---|---|---|---|---|---|
| 500d | Diesel / Automatic | Rs. 2,81,40,000 | Rs. 3,33,39,469 | Rs. 2,47,76,195 | Rs. 85,63,274 | Rs. 5,32,537 |
| 500d Overtrail | Diesel / Automatic | Rs. 2,92,66,000 | Rs. 3,46,72,160 | Rs. 2,57,67,814 | Rs. 89,04,346 | Rs. 5,53,851 |
How Is the Lexus LX 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 500d diesel variant: P = ₹2.48 Crore, r = (10.5 ÷ 12) ÷ 100 = 0.00875 and n = 60 months, which gives an EMI of ₹5,32,537.
The calculation starts from the Delhi on-road price of ₹3.33 Crore (ex-showroom ₹2.81 Crore plus insurance, RTO and other charges).
Factors That Affect Your Lexus LX 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 ₹12,356 to the EMI on a ₹2.48 Crore loan. Starting rates from the banks on this page range from 8.7% to 9.15%.
- Loan tenure: Over 36 months the EMI is ₹8,05,287; over 84 months it drops to ₹4,17,743 but you pay ₹61.00 Lakh more in interest.
- Variant and city: In Delhi the EMI ranges from ₹5,32,537 (500d diesel) to ₹5,53,851 (500d Overtrail). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.
EMI of Lexus LX Rivals – Range Rover, M5, Maybach GLS
Starting EMI of each model's base variant, worked out the same way as the Lexus LX: the down payment is the on-road price minus the loan.
| Model | On-road Price | EMI | Tenure | Interest Rate | Compare |
|---|---|---|---|---|---|
| Land Rover Range Rover 3.0 I Diesel LWB HSE | Rs. 2,84,39,521 | Rs. 4,54,172 | 60 months | 10.5% | Compare with LX |
| BMW M5 xDrive | Rs. 2,43,64,218 | Rs. 4,00,225 | 60 months | 10.5% | Compare with LX |
| Mercedes-Benz Maybach GLS 600 4MATIC | Rs. 3,16,19,489 | Rs. 5,20,423 | 60 months | 10.5% | Compare with LX |
| Mercedes-Benz S-Class S 450e | Rs. 2,53,02,396 | Rs. 4,16,315 | 60 months | 10.5% | Compare with LX |
Frequently Asked Questions About Lexus LX EMI
What is the monthly EMI for the Lexus LX?
₹5,32,537 a month for the 500d diesel, on a ₹2.48 Crore loan at 10.5% for 5 years. The top 500d Overtrail works out to ₹5,53,851.
How much down payment is required for the Lexus LX?
About ₹85.63 Lakh for the 500d diesel in Delhi. That's the on-road price of ₹3.33 Crore minus the ₹2.48 Crore loan.
How does the loan tenure affect the Lexus LX EMI?
Over 3 years the EMI is ₹8,05,287 and you pay ₹42.14 Lakh in interest. Stretch it to 7 years and the EMI drops to ₹4,17,743, but interest rises to ₹1.03 Crore.
Is the Lexus LX EMI calculated on the ex-showroom price or the on-road price?
On the on-road price. In Delhi the 500d diesel costs ₹3.33 Crore on-road, which includes ₹11.14 Lakh insurance and ₹40.85 Lakh RTO and other charges.
Does the Lexus LX 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 Lexus LX loan?
Bank of Baroda, from 8.7%. At that rate the EMI on the same ₹2.48 Crore loan comes to ₹5,10,713 a month.
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