Mahindra XUV 3XO EV EMI Calculator


Updated on September 2026
Mahindra XUV 3XO EV EMI starts at ₹26,175 per month for the AX5 electric(battery) (₹13.89 Lakh ex-showroom, ₹15.04 Lakh on-road Delhi), on a ₹12.18 Lakh loan at 10.5% for 60 months. Down payment: ₹2.86 Lakh. Total interest: ₹3.53 Lakh. The top AX7L costs ₹28,200/month.
Also see: XUV 3XO EV On-road price | XUV 3XO EV Variants | XUV 3XO EV Offers | XUV 3XO EV Mileage

Mahindra XUV 3XO EV AX5 EMI & Down Payment

Ex-showroom
: Rs. 13,89,000
On-road price
: Rs. 15,03,648  (Delhi)
Loan amount
: Rs. 12,17,780  (On-road - Down payment)
Down payment
: Rs. 2,85,868  (On-road - Loan amount)
Monthly EMI
: Rs. 26,175  (For Tenure of 60 months @ 10.5%; banks start from 8.7%)
Insurance
: Rs. 60,558  (Check XUV 3XO EV Insurance)
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Mahindra XUV 3XO EV Car Loan EMI Calculator

On-road price (Delhi)
Rs. 15,03,648
Down payment
Rs. 2,85,868
Loan amount
Rs. 12,17,780
Interest rate
10.5%
Tenure
60 months
Monthly EMI
Rs. 26,175
Total interest
Rs. 3,52,720
Total payable
Rs. 15,70,500
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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Mahindra XUV 3XO EV Car Loan Interest Rates – Bank Comparison

Lending Partners Interest Rate EMI Starting From (60 Months)
Loans From HDFC BankHDFC Bank 8.85% onwards Rs. 25,191 (60 months)
Loans From ICICI BankICICI Bank 9% onwards Rs. 25,279 (60 months)
Loans From Axis BankAxis Bank 9.15% onwards Rs. 25,368 (60 months)
Loans From Bank of Baroda BankBank of Baroda 8.7% onwards Rs. 25,102 (60 months)
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Mahindra XUV 3XO EV EMI by Loan Tenure

For a Rs. 12,17,780 loan on the AX5 electric(battery) at 10.5%.

Tenure EMI Total Interest Total Payable
36 months Rs. 39,581 Rs. 2,07,136 Rs. 14,24,916
48 months Rs. 31,179 Rs. 2,78,812 Rs. 14,96,592
60 months Rs. 26,175 Rs. 3,52,720 Rs. 15,70,500
84 months Rs. 20,533 Rs. 5,06,992 Rs. 17,24,772
Mahindra XUV 3XO EV
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Mahindra XUV 3XO EV
Starts at ₹ 13.89 Lakh
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Mahindra XUV 3XO EV Variant-wise EMI & Down Payment

XUV 3XO EV Variants Fuel/Transmission Ex-showroom Loan @10.5% Down Payment EMI (60 months)
AX5 Electric(Battery) / Automatic Rs. 13,89,000 Rs. 12,17,780 Rs. 2,85,868 Rs. 26,175
AX7L Electric(Battery) / Automatic Rs. 14,96,000 Rs. 13,12,011 Rs. 3,03,535 Rs. 28,200

EMI of Mahindra XUV 3XO EV Rivals – Nexon, Punch EV

Mahindra XUV 3XO EV EMI – Frequently Asked Questions

What is the starting EMI of the Mahindra XUV 3XO EV?

The Mahindra XUV 3XO EV EMI starts at ₹26,175 per month for the AX5 electric(battery) on a ₹12.18 Lakh loan at 10.5% for 60 months. Its on-road price in Delhi is ₹15.04 Lakh.

What is the minimum down payment for the Mahindra XUV 3XO EV?

About ₹2.86 Lakh for the AX5 electric(battery) in Delhi: the on-road price of ₹15.04 Lakh minus a ₹12.18 Lakh loan.

How much total interest will I pay on a Mahindra XUV 3XO EV loan?

On a ₹12.18 Lakh loan at 10.5% for 60 months you pay ₹3.53 Lakh in interest, or ₹15.71 Lakh in total.

What is the Mahindra XUV 3XO EV EMI for a 3-year versus a 7-year tenure?

For a ₹12.18 Lakh loan at 10.5%, the EMI is ₹39,581 per month over 3 years (₹2.07 Lakh interest) and ₹20,533 per month over 7 years (₹5.07 Lakh interest).

Which bank has the lowest interest rate for a Mahindra XUV 3XO EV loan?

Of the banks listed on this page, Bank of Baroda starts lowest at 8.7%, which makes the EMI ₹25,102 per month on a ₹12.18 Lakh loan for 60 months.

What is the EMI of the top Mahindra XUV 3XO EV variant?

The AX7L costs ₹28,200 per month on a ₹13.12 Lakh loan at 10.5% for 60 months.

How is the Mahindra XUV 3XO EV 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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Mahindra XUV 3XO EV
Starts at Rs. 13.89 Lakh
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