Rolls-Royce Cullinan EMI Calculator

Updated on October 2026

Rolls-Royce Cullinan EMI starts at ₹19,87,399 per month for the Series II petrol (₹10.50 Crore ex-showroom, ₹12.06 Crore on-road Delhi), on a ₹9.25 Crore loan at 10.5% for 60 months. Down payment: ₹2.82 Crore. Total interest: ₹2.68 Crore. The top Black Badge Series II costs ₹23,18,651/month.

Also see: Cullinan On-road price | Cullinan Variants | Cullinan Mileage

Rolls-Royce Cullinan EMI and Down Payment

Rolls Royce Cullinan Series II – EMI calculator

Ex-showroom

: Rs. 10,50,00,000

On-road price

: Rs. 12,06,33,075 (Delhi)

Loan amount

: Rs. 9,24,63,376 (On-road price - Down payment)

Down payment

: Rs. 2,81,69,699 (Amount paid upfront)

Monthly EMI

: Rs. 19,87,399 (For Tenure of 60 months @ 10.5%; banks start from 8.7%)

Insurance

: Rs. 40,78,275

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Rolls-Royce Cullinan Car Loan EMI Calculator

Variant: Series II
On-road price (Delhi): Rs. 12,06,33,075
Down payment: Rs. 2,81,69,699
Loan amount: Rs. 9,24,63,376
Interest rate: 10.5%
Tenure: 60 months
Monthly EMI: Rs. 19,87,399

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

Rolls-Royce Cullinan Car Loan EMI & Loan Breakdown

Monthly EMI

Rs. 19,87,399

60 months @ 10.5%

Down paymentRs. 2,81,69,699
Loan amountRs. 9,24,63,376
Total interestRs. 2,67,80,564
Total loan repayment (EMIs)Rs. 11,92,43,940
Total purchase outlayRs. 14,74,13,639

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the Series II 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. 1,48,40,871	Rs. 90,07,917	Rs. 7,76,22,505
Year 2 Months 13-24	Rs. 1,64,76,387	Rs. 73,72,401	Rs. 6,11,46,118
Year 3 Months 25-36	Rs. 1,82,92,142	Rs. 55,56,646	Rs. 4,28,53,976
Year 4 Months 37-48	Rs. 2,03,07,998	Rs. 35,40,790	Rs. 2,25,45,978
Year 5 Months 49-60	Rs. 2,25,45,978	Rs. 13,02,810	Rs. 0

Rolls-Royce Cullinan Car Loan Interest Rates – Bank Comparison

Lending Partners	Interest Rate	EMI Starting From (60 Months)
HDFC Bank	8.85% onwards	Rs. 19,12,663 (60 months)
ICICI Bank	9% onwards	Rs. 19,19,388 (60 months)
Axis Bank	9.15% onwards	Rs. 19,26,126 (60 months)
Bank of Baroda	8.7% onwards	Rs. 19,05,953 (60 months)

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Rolls-Royce Cullinan EMI by Loan Tenure

For a Rs. 9,24,63,376 loan on the Series II petrol at 10.5%.

Tenure	EMI	Total Interest	Total Payable
36 months	Rs. 30,05,286	Rs. 1,57,26,920	Rs. 10,81,90,296
48 months	Rs. 23,67,375	Rs. 2,11,70,624	Rs. 11,36,34,000
60 months	Rs. 19,87,399	Rs. 2,67,80,564	Rs. 11,92,43,940
84 months	Rs. 15,58,995	Rs. 3,84,92,204	Rs. 13,09,55,580

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Rolls-Royce Cullinan

Starts at ₹ 10.50 Crore

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Rolls-Royce Cullinan 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.

Cullinan Variants	Fuel/Transmission	Ex-showroom	On-road Price	Loan @10.5%	Down Payment	EMI (60 months)
Series II	Petrol / Automatic	Rs. 10,50,00,000	Rs. 12,06,33,075	Rs. 9,24,63,376	Rs. 2,81,69,699	Rs. 19,87,399
Black Badge Series II	Petrol / Automatic	Rs. 12,25,00,000	Rs. 14,07,32,917	Rs. 10,78,74,847	Rs. 3,28,58,070	Rs. 23,18,651

How Is the Rolls-Royce Cullinan 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 Series II petrol variant: P = ₹9.25 Crore, r = (10.5 ÷ 12) ÷ 100 = 0.00875 and n = 60 months, which gives an EMI of ₹19,87,399.

The calculation starts from the Delhi on-road price of ₹12.06 Crore (ex-showroom ₹10.50 Crore plus insurance, RTO and other charges).

Factors That Affect Your Rolls-Royce Cullinan 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 ₹46,112 to the EMI on a ₹9.25 Crore loan. Starting rates from the banks on this page range from 8.7% to 9.15%.
Loan tenure: Over 36 months the EMI is ₹30,05,286; over 84 months it drops to ₹15,58,995 but you pay ₹2.28 Crore more in interest.
Variant and city: In Delhi the EMI ranges from ₹19,87,399 (Series II petrol) to ₹23,18,651 (Black Badge Series II). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

EMI of Rolls-Royce Cullinan Rivals – Revuelto, 849 Testarossa

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

Model	On-road Price	EMI	Tenure	Interest Rate	Compare
Rolls Royce Phantom Series II	Rs. 10,32,89,784	Rs. 17,01,575	60 months	10.5%	Compare with Cullinan
Lamborghini Revuelto LB 744	Rs. 10,21,41,222	Rs. 16,82,646	60 months	10.5%	Compare with Cullinan
Rolls Royce Ghost Series II Standard	Rs. 10,28,30,358	Rs. 16,94,003	60 months	10.5%	Compare with Cullinan
Ferrari 849 Testarossa V8	Rs. 11,91,39,944	Rs. 19,62,791	60 months	10.5%	Compare with Cullinan

Frequently Asked Questions About Rolls-Royce Cullinan EMI

What is the monthly EMI for the Rolls-Royce Cullinan?

₹19,87,399 a month for the Series II petrol, on a ₹9.25 Crore loan at 10.5% for 5 years. The top Black Badge Series II works out to ₹23,18,651.

How much down payment is required for the Rolls-Royce Cullinan?

About ₹2.82 Crore for the Series II petrol in Delhi. That's the on-road price of ₹12.06 Crore minus the ₹9.25 Crore loan.

How does the loan tenure affect the Rolls-Royce Cullinan EMI?

Over 3 years the EMI is ₹30,05,286 and you pay ₹1.57 Crore in interest. Stretch it to 7 years and the EMI drops to ₹15,58,995, but interest rises to ₹3.85 Crore.

Is the Rolls-Royce Cullinan EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the Series II petrol costs ₹12.06 Crore on-road, which includes ₹40.78 Lakh insurance and ₹1.16 Crore RTO and other charges.