Maruti Suzuki Eeco Cargo EMI Calculator


Updated on November 2026
Maruti Suzuki Eeco Cargo EMI starts at ₹10,099 per month for the STD petrol (₹5.39 Lakh ex-showroom, ₹6.14 Lakh on-road Delhi), on a ₹4.70 Lakh loan at 10.5% for 60 months. Down payment: ₹1.44 Lakh. Total interest: ₹1.36 Lakh. The top STD AC CNG costs ₹12,402/month.
Also see: Eeco Cargo On-road price | Eeco Cargo Variants | Eeco Cargo Offers | Eeco Cargo Mileage

Maruti Suzuki Eeco Cargo EMI and Down Payment

Ex-showroom
: Rs. 5,38,800
On-road price
: Rs. 6,13,836  (Delhi)
Loan amount
: Rs. 4,69,847  (On-road price - Down payment)
Down payment
: Rs. 1,43,989  (Amount paid upfront)
Monthly EMI
: Rs. 10,099  (For Tenure of 60 months @ 10.5%; banks start from 8.7%)
Insurance
: Rs. 32,584
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Maruti Suzuki Eeco Cargo Car Loan EMI Calculator

Variant
STD
On-road price (Delhi)
Rs. 6,13,836
Down payment
Rs. 1,43,989
Loan amount
Rs. 4,69,847
Interest rate
10.5%
Tenure
60 months
Monthly EMI
Rs. 10,099
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

Maruti Suzuki Eeco Cargo Car Loan EMI & Loan Breakdown

Monthly EMI
Rs. 10,099
60 months @ 10.5%
  • Down paymentRs. 1,43,989
  • Loan amountRs. 4,69,847
  • Total interestRs. 1,36,093
  • Total loan repayment (EMIs)Rs. 6,05,940
  • Total purchase outlayRs. 7,49,929

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the STD 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. 75,415Rs. 45,773Rs. 3,94,432
Year 2 Months 13-24Rs. 83,726Rs. 37,462Rs. 3,10,706
Year 3 Months 25-36Rs. 92,953Rs. 28,235Rs. 2,17,753
Year 4 Months 37-48Rs. 1,03,196Rs. 17,992Rs. 1,14,557
Year 5 Months 49-60Rs. 1,14,557Rs. 6,631Rs. 0
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Maruti Suzuki Eeco Cargo Car Loan Interest Rates – Bank Comparison

Lending Partners Interest Rate EMI Starting From (60 Months)
Loans From HDFC BankHDFC Bank 8.85% onwards Rs. 9,719 (60 months)
Loans From ICICI BankICICI Bank 9% onwards Rs. 9,753 (60 months)
Loans From Axis BankAxis Bank 9.15% onwards Rs. 9,787 (60 months)
Loans From Bank of Baroda BankBank of Baroda 8.7% onwards Rs. 9,685 (60 months)
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Maruti Suzuki Eeco Cargo EMI by Loan Tenure

For a Rs. 4,69,847 loan on the STD petrol at 10.5%.

Tenure EMI Total Interest Total Payable
36 months Rs. 15,271 Rs. 79,909 Rs. 5,49,756
48 months Rs. 12,030 Rs. 1,07,593 Rs. 5,77,440
60 months Rs. 10,099 Rs. 1,36,093 Rs. 6,05,940
84 months Rs. 7,922 Rs. 1,95,601 Rs. 6,65,448
Maruti Suzuki Eeco Cargo
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Maruti Suzuki Eeco Cargo
3.9 3 user reviews
Starts at ₹ 5.39 Lakh
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Maruti Suzuki Eeco Cargo 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.

Eeco Cargo Variants Fuel/Transmission Ex-showroom On-road Price Loan @10.5% Down Payment EMI (60 months)
STD Petrol / Manual Rs. 5,38,800 Rs. 6,13,836 Rs. 4,69,847 Rs. 1,43,989 Rs. 10,099
STD CNG CNG / Manual Rs. 6,20,800 Rs. 7,22,758 Rs. 5,42,061 Rs. 1,80,697 Rs. 11,651
STD AC CNG CNG / Manual Rs. 6,60,500 Rs. 7,67,498 Rs. 5,77,023 Rs. 1,90,475 Rs. 12,402

How Is the Maruti Suzuki Eeco Cargo 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 STD petrol variant: P = ₹4.70 Lakh, r = (10.5 ÷ 12) ÷ 100 = 0.00875 and n = 60 months, which gives an EMI of ₹10,099.

The calculation starts from the Delhi on-road price of ₹6.14 Lakh (ex-showroom ₹5.39 Lakh plus insurance, RTO and other charges).

Factors That Affect Your Maruti Suzuki Eeco Cargo 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 ₹234 to the EMI on a ₹4.70 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 ₹15,271; over 84 months it drops to ₹7,922 but you pay ₹1.16 Lakh more in interest.
  • Variant and city: In Delhi the EMI ranges from ₹10,099 (STD petrol) to ₹12,402 (STD AC CNG). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

EMI of Maruti Suzuki Eeco Cargo Rivals – Punch, Aeris

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

ModelOn-road PriceEMITenureInterest RateCompare
Tata Punch Smart Rs. 6,61,406 Rs. 10,784 60 months 10.5% Compare with Eeco Cargo
Maruti Suzuki FRONX Sigma Rs. 8,15,038 Rs. 12,959 60 months 10.5% Compare with Eeco Cargo
Tata Aeris Smart Petrol MT Rs. 5,88,250 Rs. 9,932 60 months 10.5% Compare with Eeco Cargo
Maruti Suzuki Swift LXi Rs. 6,67,400 Rs. 10,953 60 months 10.5% Compare with Eeco Cargo

Frequently Asked Questions About Maruti Suzuki Eeco Cargo EMI

What is the monthly EMI for the Maruti Suzuki Eeco Cargo?

₹10,099 a month for the STD petrol, on a ₹4.70 Lakh loan at 10.5% for 5 years. The top STD AC CNG works out to ₹12,402.

How much down payment is required for the Maruti Suzuki Eeco Cargo?

About ₹1.44 Lakh for the STD petrol in Delhi. That's the on-road price of ₹6.14 Lakh minus the ₹4.70 Lakh loan.

How does the loan tenure affect the Maruti Suzuki Eeco Cargo EMI?

Over 3 years the EMI is ₹15,271 and you pay ₹79,909 in interest. Stretch it to 7 years and the EMI drops to ₹7,922, but interest rises to ₹1.96 Lakh.

Is the Maruti Suzuki Eeco Cargo EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the STD petrol costs ₹6.14 Lakh on-road, which includes ₹32,584 insurance and ₹42,452 RTO and other charges.

Does the Maruti Suzuki Eeco Cargo EMI calculator include the processing fee?

Yes. The ₹4,650 processing fee is paid with the down payment and is not added to the loan.

Which bank has the lowest interest rate for a Maruti Suzuki Eeco Cargo loan?

Bank of Baroda, from 8.7%. At that rate the EMI on the same ₹4.70 Lakh loan comes to ₹9,685 a month.

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Maruti Suzuki Eeco Cargo
Maruti Suzuki Eeco Cargo
3.9 3 user reviews
Starts at Rs. 5.39 Lakh
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Maruti Suzuki Eeco Cargo 2026 Brochure

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