Rolls-Royce Phantom EMI Calculator

Updated on October 2026

Rolls-Royce Phantom EMI starts at ₹17,01,575 per month for the Series II petrol (₹8.99 Crore ex-showroom, ₹10.33 Crore on-road Delhi), on a ₹7.92 Crore loan at 10.5% for 60 months. Down payment: ₹2.41 Crore. Total interest: ₹2.29 Crore. The top Extended Wheelbase costs ₹19,83,613/month.

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

Rolls-Royce Phantom EMI and Down Payment

Rolls Royce Phantom Series II – EMI calculator

Ex-showroom

: Rs. 8,99,00,001

On-road price

: Rs. 10,32,89,784 (Delhi)

Loan amount

: Rs. 7,91,65,480 (On-road price - Down payment)

Down payment

: Rs. 2,41,24,304 (Amount paid upfront)

Monthly EMI

: Rs. 17,01,575 (For Tenure of 60 months @ 10.5%; banks start from 8.7%)

Insurance

: Rs. 34,95,983

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Rolls-Royce Phantom Car Loan EMI Calculator

Variant: Series II
On-road price (Delhi): Rs. 10,32,89,784
Down payment: Rs. 2,41,24,304
Loan amount: Rs. 7,91,65,480
Interest rate: 10.5%
Tenure: 60 months
Monthly EMI: Rs. 17,01,575

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 Phantom Car Loan EMI & Loan Breakdown

Monthly EMI

Rs. 17,01,575

60 months @ 10.5%

Down paymentRs. 2,41,24,304
Loan amountRs. 7,91,65,480
Total interestRs. 2,29,29,020
Total loan repayment (EMIs)Rs. 10,20,94,500
Total purchase outlayRs. 12,62,18,804

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. 1,27,06,484	Rs. 77,12,416	Rs. 6,64,58,996
Year 2 Months 13-24	Rs. 1,41,06,782	Rs. 63,12,118	Rs. 5,23,52,214
Year 3 Months 25-36	Rs. 1,56,61,398	Rs. 47,57,502	Rs. 3,66,90,816
Year 4 Months 37-48	Rs. 1,73,87,338	Rs. 30,31,562	Rs. 1,93,03,478
Year 5 Months 49-60	Rs. 1,93,03,478	Rs. 11,15,422	Rs. 0

Rolls-Royce Phantom Car Loan Interest Rates – Bank Comparison

Lending Partners	Interest Rate	EMI Starting From (60 Months)
HDFC Bank	8.85% onwards	Rs. 16,37,588 (60 months)
ICICI Bank	9% onwards	Rs. 16,43,345 (60 months)
Axis Bank	9.15% onwards	Rs. 16,49,114 (60 months)
Bank of Baroda	8.7% onwards	Rs. 16,31,843 (60 months)

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Rolls-Royce Phantom EMI by Loan Tenure

For a Rs. 7,91,65,480 loan on the Series II petrol at 10.5%.

Tenure	EMI	Total Interest	Total Payable
36 months	Rs. 25,73,072	Rs. 1,34,65,112	Rs. 9,26,30,592
48 months	Rs. 20,26,904	Rs. 1,81,25,912	Rs. 9,72,91,392
60 months	Rs. 17,01,575	Rs. 2,29,29,020	Rs. 10,20,94,500
84 months	Rs. 13,34,783	Rs. 3,29,56,292	Rs. 11,21,21,772

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Rolls-Royce Phantom

4.5 24 user reviews

Starts at ₹ 8.99 Crore

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Rolls-Royce Phantom 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.

Phantom Variants	Fuel/Transmission	Ex-showroom	On-road Price	Loan @10.5%	Down Payment	EMI (60 months)
Series II	Petrol / Automatic	Rs. 8,99,00,001	Rs. 10,32,89,784	Rs. 7,91,65,480	Rs. 2,41,24,304	Rs. 17,01,575
Extended Wheelbase	Petrol / Automatic	Rs. 10,48,00,001	Rs. 12,04,03,364	Rs. 9,22,87,246	Rs. 2,81,16,118	Rs. 19,83,613

How Is the Rolls-Royce Phantom 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 = ₹7.92 Crore, r = (10.5 ÷ 12) ÷ 100 = 0.00875 and n = 60 months, which gives an EMI of ₹17,01,575.

The calculation starts from the Delhi on-road price of ₹10.33 Crore (ex-showroom ₹8.99 Crore plus insurance, RTO and other charges).

Factors That Affect Your Rolls-Royce Phantom 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 ₹39,480 to the EMI on a ₹7.92 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 ₹25,73,072; over 84 months it drops to ₹13,34,783 but you pay ₹1.95 Crore more in interest.
Variant and city: In Delhi the EMI ranges from ₹17,01,575 (Series II petrol) to ₹19,83,613 (Extended Wheelbase). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

EMI of Rolls-Royce Phantom Rivals – Revuelto, SF90 Stradale

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

Model	On-road Price	EMI	Tenure	Interest Rate	Compare
Rolls Royce Cullinan Series II	Rs. 12,06,33,075	Rs. 19,87,399	60 months	10.5%	Compare with Phantom
Rolls Royce Spectre Electric	Rs. 7,85,90,099	Rs. 14,19,537	60 months	10.5%	Compare with Phantom
Lamborghini Revuelto LB 744	Rs. 10,21,41,222	Rs. 16,82,646	60 months	10.5%	Compare with Phantom
Ferrari SF90 Stradale Coupe V8	Rs. 8,61,76,204	Rs. 14,19,537	60 months	10.5%	Compare with Phantom

Frequently Asked Questions About Rolls-Royce Phantom EMI

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

₹17,01,575 a month for the Series II petrol, on a ₹7.92 Crore loan at 10.5% for 5 years. The top Extended Wheelbase works out to ₹19,83,613.

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

About ₹2.41 Crore for the Series II petrol in Delhi. That's the on-road price of ₹10.33 Crore minus the ₹7.92 Crore loan.

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

Over 3 years the EMI is ₹25,73,072 and you pay ₹1.35 Crore in interest. Stretch it to 7 years and the EMI drops to ₹13,34,783, but interest rises to ₹3.30 Crore.

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

On the on-road price. In Delhi the Series II petrol costs ₹10.33 Crore on-road, which includes ₹34.96 Lakh insurance and ₹98.94 Lakh RTO and other charges.