MG Astor EMI Calculator

Updated on October 2026

MG Astor EMI starts at ₹18,433 per month for the Sprint petrol (₹9.79 Lakh ex-showroom, ₹12.06 Lakh on-road Hubli), on a ₹8.58 Lakh loan at 10.5% for 60 months. Down payment: ₹3.48 Lakh. Total interest: ₹2.48 Lakh. The top Savvy Pro CVT costs ₹28,846/month.

Also see: Astor On-road price | Astor Variants | Astor Offers | Astor Mileage

MG Astor EMI and Down Payment

Ex-showroom

: Rs. 9,79,100

On-road price

: Rs. 12,05,831 (Hubli)

Loan amount

: Rs. 8,57,600 (On-road - Down payment)

Down payment

: Rs. 3,48,231 (On-road - Loan amount)

Monthly EMI

: Rs. 18,433 (For Tenure of 60 months @ 10.5%; banks start from 8.7%)

Insurance

: Rs. 47,779

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MG Astor Car Loan EMI Calculator

Variant: Sprint
On-road price (Hubli): Rs. 12,05,831
Down payment: Rs. 3,48,231
Loan amount: Rs. 8,57,600
Interest rate: 10.5%
Tenure: 60 months
Monthly EMI: Rs. 18,433

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.
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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

MG Astor Car Loan EMI & Loan Breakdown

Monthly EMI

Rs. 18,433

60 months @ 10.5%

Down paymentRs. 3,48,231
Loan amountRs. 8,57,600
Total interestRs. 2,48,380
Total loan repayment (EMIs)Rs. 11,05,980
Total purchase outlayRs. 14,54,211

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the Sprint 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. 1,37,647	Rs. 83,549	Rs. 7,19,953
Year 2 Months 13-24	Rs. 1,52,817	Rs. 68,379	Rs. 5,67,136
Year 3 Months 25-36	Rs. 1,69,657	Rs. 51,539	Rs. 3,97,479
Year 4 Months 37-48	Rs. 1,88,354	Rs. 32,842	Rs. 2,09,125
Year 5 Months 49-60	Rs. 2,09,125	Rs. 12,071	Rs. 0

MG Astor Car Loan Interest Rates – Bank Comparison

Lending Partners	Interest Rate	EMI Starting From (60 Months)
HDFC Bank	8.85% onwards	Rs. 17,740 (60 months)
ICICI Bank	9% onwards	Rs. 17,802 (60 months)
Axis Bank	9.15% onwards	Rs. 17,865 (60 months)
Bank of Baroda	8.7% onwards	Rs. 17,678 (60 months)

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MG Astor EMI by Loan Tenure

For a Rs. 8,57,600 loan on the Sprint petrol at 10.5%.

Tenure	EMI	Total Interest	Total Payable
36 months	Rs. 27,874	Rs. 1,45,864	Rs. 10,03,464
48 months	Rs. 21,957	Rs. 1,96,336	Rs. 10,53,936
60 months	Rs. 18,433	Rs. 2,48,380	Rs. 11,05,980
84 months	Rs. 14,460	Rs. 3,57,040	Rs. 12,14,640

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MG Astor

4.1 110 user reviews

Starts at ₹ 9.79 Lakh

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MG Astor Variant-Wise EMI

On-road prices in Hubli. 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.

Astor Variants	Fuel/Transmission	Ex-showroom	On-road Price	Loan @10.5%	Down Payment	EMI (60 months)
Sprint	Petrol / Manual	Rs. 9,79,100	Rs. 12,05,831	Rs. 8,57,600	Rs. 3,48,231	Rs. 18,433
Shine	Petrol / Manual	Rs. 11,34,100	Rs. 14,39,369	Rs. 9,93,301	Rs. 4,46,068	Rs. 21,350
Select	Petrol / Manual	Rs. 12,40,100	Rs. 15,70,023	Rs. 10,86,651	Rs. 4,83,372	Rs. 23,356
Sharp Pro	Petrol / Manual	Rs. 13,37,100	Rs. 16,89,767	Rs. 11,72,074	Rs. 5,17,693	Rs. 25,192
Select CVT	Petrol / Automatic	Rs. 13,56,100	Rs. 17,13,221	Rs. 11,88,807	Rs. 5,24,414	Rs. 25,552
Sharp Pro CVT	Petrol / Automatic	Rs. 14,52,100	Rs. 18,34,330	Rs. 12,73,350	Rs. 5,60,980	Rs. 27,369
Savvy Pro CVT	Petrol / Automatic	Rs. 15,30,100	Rs. 19,33,320	Rs. 13,42,041	Rs. 5,91,279	Rs. 28,846
Savvy Pro Sangria CVT	Petrol / Automatic	Rs. 15,30,100	Rs. 19,33,520	Rs. 13,42,041	Rs. 5,91,479	Rs. 28,846

How Is the MG Astor 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 Sprint petrol variant: P = ₹8.58 Lakh, r = (10.5 ÷ 12) ÷ 100 = 0.00875 and n = 60 months, which gives an EMI of ₹18,433.

The calculation starts from the Hubli on-road price of ₹12.06 Lakh (ex-showroom ₹9.79 Lakh plus insurance, RTO and other charges).

Factors That Affect Your MG Astor 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 ₹428 to the EMI on a ₹8.58 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 ₹27,874; over 84 months it drops to ₹14,460 but you pay ₹2.11 Lakh more in interest.
Variant and city: In Hubli the EMI ranges from ₹18,433 (Sprint petrol) to ₹28,846 (Savvy Pro CVT). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

EMI of MG Astor Rivals – Sierra, Thar OG, Bayon

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

Model	On-road Price	EMI	Tenure	Interest Rate	Compare
Tata Sierra Smart Plus	Rs. 14,55,662	Rs. 21,632	60 months	10.5%	Compare with Astor
Mahindra Thar OG 1.5L AXT Diesel RWD	Rs. 12,88,729	Rs. 19,417	60 months	10.5%	Compare with Astor
Hyundai Bayon HX 2 Petrol MT	Rs. 12,05,807	Rs. 18,827	60 months	10.5%	Compare with Astor
Maruti Suzuki Brezza LXi Turbo	Rs. 9,01,876	Rs. 14,095	60 months	10.5%	Compare with Astor

Frequently Asked Questions About MG Astor EMI

What is the monthly EMI for the MG Astor?

₹18,433 a month for the Sprint petrol, on a ₹8.58 Lakh loan at 10.5% for 5 years. The top Savvy Pro CVT works out to ₹28,846.

How much down payment is required for the MG Astor?

About ₹3.48 Lakh for the Sprint petrol in Hubli. That's the on-road price of ₹12.06 Lakh minus the ₹8.58 Lakh loan.

How does the loan tenure affect the MG Astor EMI?

Over 3 years the EMI is ₹27,874 and you pay ₹1.46 Lakh in interest. Stretch it to 7 years and the EMI drops to ₹14,460, but interest rises to ₹3.57 Lakh.

Is the MG Astor EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Hubli the Sprint petrol costs ₹12.06 Lakh on-road, which includes ₹47,779 insurance and ₹1.79 Lakh RTO and other charges.

Does the MG Astor 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 MG Astor loan?

Bank of Baroda, from 8.7%. At that rate the EMI on the same ₹8.58 Lakh loan comes to ₹17,678 a month.

Ask or read owner questions on MG Astor Q&A

MG Astor

4.1 110 user reviews

Starts at Rs. 9.79 Lakh

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MG Astor 2026 Brochure

Download brochure for detailed information of specifications, features & variants prices

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