Lexus RX EMI Calculator

Updated on October 2026

Lexus RX EMI starts at ₹1,70,222 per month for the 350h Luxury Lexus Premium System petrol (₹89.99 Lakh ex-showroom, ₹1.04 Crore on-road Delhi), on a ₹79.20 Lakh loan at 10.5% for 60 months. Down payment: ₹24.50 Lakh. Total interest: ₹22.94 Lakh. The top 500h F SPORT Lexus Premium System costs ₹2,08,099/month.

Also see: RX On-road price | RX Variants

Lexus RX EMI and Down Payment

Lexus RX 350h Luxury Lexus Premium System – EMI calculator

Ex-showroom

: Rs. 89,99,000

On-road price

: Rs. 1,03,69,936 (Delhi)

Loan amount

: Rs. 79,19,569 (On-road price - Down payment)

Down payment

: Rs. 24,50,367 (Amount paid upfront)

Monthly EMI

: Rs. 1,70,222 (For Tenure of 60 months @ 10.5%; banks start from 8.7%)

Insurance

: Rs. 3,76,246

View October Offers Apply for Loan

Lexus RX Car Loan EMI Calculator

Variant: 350h Luxury Lexus Premium System
On-road price (Delhi): Rs. 1,03,69,936
Down payment: Rs. 24,50,367
Loan amount: Rs. 79,19,569
Interest rate: 10.5%
Tenure: 60 months
Monthly EMI: Rs. 1,70,222

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.
..Read More
..Read Less
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

Lexus RX Car Loan EMI & Loan Breakdown

Monthly EMI

Rs. 1,70,222

60 months @ 10.5%

Down paymentRs. 24,50,367
Loan amountRs. 79,19,569
Total interestRs. 22,93,751
Total loan repayment (EMIs)Rs. 1,02,13,320
Total purchase outlayRs. 1,26,63,687

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the 350h Luxury Lexus Premium System 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. 12,71,128	Rs. 7,71,536	Rs. 66,48,441
Year 2 Months 13-24	Rs. 14,11,210	Rs. 6,31,454	Rs. 52,37,231
Year 3 Months 25-36	Rs. 15,66,731	Rs. 4,75,933	Rs. 36,70,500
Year 4 Months 37-48	Rs. 17,39,390	Rs. 3,03,274	Rs. 19,31,110
Year 5 Months 49-60	Rs. 19,31,110	Rs. 1,11,554	Rs. 0

Lexus RX Car Loan Interest Rates – Bank Comparison

Lending Partners	Interest Rate	EMI Starting From (60 Months)
HDFC Bank	8.85% onwards	Rs. 1,63,821 (60 months)
ICICI Bank	9% onwards	Rs. 1,64,397 (60 months)
Axis Bank	9.15% onwards	Rs. 1,64,974 (60 months)
Bank of Baroda	8.7% onwards	Rs. 1,63,247 (60 months)

View EMI Offer

Lexus RX EMI by Loan Tenure

For a Rs. 79,19,569 loan on the 350h Luxury Lexus Premium System petrol at 10.5%.

Tenure	EMI	Total Interest	Total Payable
36 months	Rs. 2,57,405	Rs. 13,47,011	Rs. 92,66,580
48 months	Rs. 2,02,768	Rs. 18,13,295	Rs. 97,32,864
60 months	Rs. 1,70,222	Rs. 22,93,751	Rs. 1,02,13,320
84 months	Rs. 1,33,529	Rs. 32,96,867	Rs. 1,12,16,436

Images | Colours

Lexus RX

Starts at ₹ 89.99 Lakh

View October Offers

Lexus RX 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.

RX Variants	Fuel/Transmission	Ex-showroom	On-road Price	Loan @10.5%	Down Payment	EMI (60 months)
350h Luxury Lexus Premium System	Petrol / Automatic	Rs. 89,99,000	Rs. 1,03,69,936	Rs. 79,19,569	Rs. 24,50,367	Rs. 1,70,222
500h F SPORT Lexus Premium System	Petrol / Automatic	Rs. 1,10,00,000	Rs. 1,26,68,210	Rs. 96,81,760	Rs. 29,86,450	Rs. 2,08,099

How Is the Lexus RX 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 350h Luxury Lexus Premium System petrol variant: P = ₹79.20 Lakh, r = (10.5 ÷ 12) ÷ 100 = 0.00875 and n = 60 months, which gives an EMI of ₹1,70,222.

The calculation starts from the Delhi on-road price of ₹1.04 Crore (ex-showroom ₹89.99 Lakh plus insurance, RTO and other charges).

Factors That Affect Your Lexus RX 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 ₹3,950 to the EMI on a ₹79.20 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 ₹2,57,405; over 84 months it drops to ₹1,33,529 but you pay ₹19.50 Lakh more in interest.
Variant and city: In Delhi the EMI ranges from ₹1,70,222 (350h Luxury Lexus Premium System petrol) to ₹2,08,099 (500h F SPORT Lexus Premium System). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

EMI of Lexus RX Rivals – Defender, Cyberster, Q7

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

Model	On-road Price	EMI	Tenure	Interest Rate	Compare
Land Rover Defender 2.0 l Petrol 110 X-Dynamic HSE	Rs. 1,21,55,191	Rs. 1,87,277	60 months	10.5%	Compare with RX
MG Cyberster GT	Rs. 86,70,930	Rs. 1,56,041	60 months	10.5%	Compare with RX
Audi Q7 Premium Plus	Rs. 1,00,87,041	Rs. 1,64,885	60 months	10.5%	Compare with RX
Land Rover Range Rover Velar 2.0 l Diesel Autobiography	Rs. 1,07,55,994	Rs. 1,65,509	60 months	10.5%	Compare with RX

Frequently Asked Questions About Lexus RX EMI

What is the monthly EMI for the Lexus RX?

₹1,70,222 a month for the 350h Luxury Lexus Premium System petrol, on a ₹79.20 Lakh loan at 10.5% for 5 years. The top 500h F SPORT Lexus Premium System works out to ₹2,08,099.

How much down payment is required for the Lexus RX?

About ₹24.50 Lakh for the 350h Luxury Lexus Premium System petrol in Delhi. That's the on-road price of ₹1.04 Crore minus the ₹79.20 Lakh loan.

How does the loan tenure affect the Lexus RX EMI?

Over 3 years the EMI is ₹2,57,405 and you pay ₹13.47 Lakh in interest. Stretch it to 7 years and the EMI drops to ₹1,33,529, but interest rises to ₹32.97 Lakh.

Is the Lexus RX EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the 350h Luxury Lexus Premium System petrol costs ₹1.04 Crore on-road, which includes ₹3.76 Lakh insurance and ₹9.95 Lakh RTO and other charges.