Maruti Suzuki Eeco EMI Calculator


Updated on November 2026
Maruti Suzuki Eeco EMI starts at ₹9,902 per month for the 5 Seater STD petrol (₹5.28 Lakh ex-showroom, ₹6.03 Lakh on-road Delhi), on a ₹4.61 Lakh loan at 10.5% for 60 months. Down payment: ₹1.42 Lakh. Total interest: ₹1.33 Lakh. The top 5 Seater AC CNG costs ₹12,124/month.
Also see: Eeco On-road price | Eeco Variants | Eeco Offers | Eeco Mileage

Maruti Suzuki Eeco EMI and Down Payment

Ex-showroom
: Rs. 5,28,400
On-road price
: Rs. 6,02,938  (Delhi)
Loan amount
: Rs. 4,60,688  (On-road price - Down payment)
Down payment
: Rs. 1,42,250  (Amount paid upfront)
Monthly EMI
: Rs. 9,902  (For Tenure of 60 months @ 10.5%; banks start from 8.7%)
Insurance
: Rs. 32,202
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Maruti Suzuki Eeco Car Loan EMI Calculator

Variant
5 Seater STD
On-road price (Delhi)
Rs. 6,02,938
Down payment
Rs. 1,42,250
Loan amount
Rs. 4,60,688
Interest rate
10.5%
Tenure
60 months
Monthly EMI
Rs. 9,902
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 Car Loan EMI & Loan Breakdown

Monthly EMI
Rs. 9,902
60 months @ 10.5%
  • Down paymentRs. 1,42,250
  • Loan amountRs. 4,60,688
  • Total interestRs. 1,33,432
  • Total loan repayment (EMIs)Rs. 5,94,120
  • Total purchase outlayRs. 7,36,370

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the 5 Seater 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. 73,943Rs. 44,881Rs. 3,86,745
Year 2 Months 13-24Rs. 82,092Rs. 36,732Rs. 3,04,653
Year 3 Months 25-36Rs. 91,139Rs. 27,685Rs. 2,13,514
Year 4 Months 37-48Rs. 1,01,182Rs. 17,642Rs. 1,12,332
Year 5 Months 49-60Rs. 1,12,332Rs. 6,492Rs. 0
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Maruti Suzuki Eeco Car Loan Interest Rates – Bank Comparison

Lending Partners Interest Rate EMI Starting From (60 Months)
Loans From HDFC BankHDFC Bank 8.85% onwards Rs. 9,530 (60 months)
Loans From ICICI BankICICI Bank 9% onwards Rs. 9,563 (60 months)
Loans From Axis BankAxis Bank 9.15% onwards Rs. 9,597 (60 months)
Loans From Bank of Baroda BankBank of Baroda 8.7% onwards Rs. 9,496 (60 months)
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Maruti Suzuki Eeco EMI by Loan Tenure

For a Rs. 4,60,688 loan on the 5 Seater STD petrol at 10.5%.

Tenure EMI Total Interest Total Payable
36 months Rs. 14,973 Rs. 78,340 Rs. 5,39,028
48 months Rs. 11,795 Rs. 1,05,472 Rs. 5,66,160
60 months Rs. 9,902 Rs. 1,33,432 Rs. 5,94,120
84 months Rs. 7,768 Rs. 1,91,824 Rs. 6,52,512
Maruti Suzuki Eeco
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Maruti Suzuki Eeco
3.7 130 user reviews
Starts at ₹ 5.28 Lakh
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Maruti Suzuki Eeco 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 Variants Fuel/Transmission Ex-showroom On-road Price Loan @10.5% Down Payment EMI (60 months)
5 Seater STD Petrol / Manual Rs. 5,28,400 Rs. 6,02,938 Rs. 4,60,688 Rs. 1,42,250 Rs. 9,902
6 Seater STD Petrol / Manual Rs. 5,54,900 Rs. 6,32,873 Rs. 4,84,026 Rs. 1,48,847 Rs. 10,404
5 Seater AC Petrol / Manual Rs. 5,61,300 Rs. 6,38,964 Rs. 4,89,662 Rs. 1,49,302 Rs. 10,525
5 Seater AC CNG CNG / Manual Rs. 6,45,800 Rs. 7,51,228 Rs. 5,64,077 Rs. 1,87,151 Rs. 12,124

How Is the Maruti Suzuki Eeco 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 5 Seater STD petrol variant: P = ₹4.61 Lakh, r = (10.5 ÷ 12) ÷ 100 = 0.00875 and n = 60 months, which gives an EMI of ₹9,902.

The calculation starts from the Delhi on-road price of ₹6.03 Lakh (ex-showroom ₹5.28 Lakh plus insurance, RTO and other charges).

Factors That Affect Your Maruti Suzuki Eeco 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 ₹230 to the EMI on a ₹4.61 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 ₹14,973; over 84 months it drops to ₹7,768 but you pay ₹1.13 Lakh more in interest.
  • Variant and city: In Delhi the EMI ranges from ₹9,902 (5 Seater STD petrol) to ₹12,124 (5 Seater 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 Rivals – Punch, Aeris

Starting EMI of each model's base variant, worked out the same way as the Maruti Suzuki Eeco: 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
Tata Aeris Smart Petrol MT Rs. 5,88,250 Rs. 9,932 60 months 10.5% Compare with Eeco
Maruti Suzuki Swift LXi Rs. 6,67,400 Rs. 10,953 60 months 10.5% Compare with Eeco
Maruti Suzuki Baleno Sigma Rs. 6,62,452 Rs. 11,236 60 months 10.5% Compare with Eeco

Frequently Asked Questions About Maruti Suzuki Eeco EMI

What is the monthly EMI for the Maruti Suzuki Eeco?

₹9,902 a month for the 5 Seater STD petrol, on a ₹4.61 Lakh loan at 10.5% for 5 years. The top 5 Seater AC CNG works out to ₹12,124.

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

About ₹1.42 Lakh for the 5 Seater STD petrol in Delhi. That's the on-road price of ₹6.03 Lakh minus the ₹4.61 Lakh loan.

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

Over 3 years the EMI is ₹14,973 and you pay ₹78,340 in interest. Stretch it to 7 years and the EMI drops to ₹7,768, but interest rises to ₹1.92 Lakh.

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

On the on-road price. In Delhi the 5 Seater STD petrol costs ₹6.03 Lakh on-road, which includes ₹32,202 insurance and ₹42,336 RTO and other charges.

Does the Maruti Suzuki Eeco 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 loan?

Bank of Baroda, from 8.7%. At that rate the EMI on the same ₹4.61 Lakh loan comes to ₹9,496 a month.

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Maruti Suzuki Eeco
3.7 130 user reviews
Starts at Rs. 5.28 Lakh
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