Skoda Kodiaq RS EMI Calculator

Updated on November 2026

Skoda Kodiaq RS EMI starts at ₹1,26,686 per month for the 2.0 TSI petrol (₹66.99 Lakh ex-showroom, ₹77.28 Lakh on-road Delhi), on a ₹58.94 Lakh loan at 10.5% for 60 months. Down payment: ₹18.34 Lakh. Total interest: ₹17.07 Lakh.

Also see: Kodiaq RS On-road price | Kodiaq RS Variants | Kodiaq RS Offers

Skoda Kodiaq RS EMI and Down Payment

Skoda Kodiaq RS 2.0 TSI – EMI calculator

Ex-showroom

: Rs. 66,99,000

On-road price

: Rs. 77,28,243 (Delhi)

Loan amount

: Rs. 58,94,061 (On-road price - Down payment)

Down payment

: Rs. 18,34,182 (Amount paid upfront)

Monthly EMI

: Rs. 1,26,686 (For Tenure of 60 months @ 10.5%; banks start from 8.7%)

Insurance

: Rs. 2,87,553

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Skoda Kodiaq RS Car Loan EMI Calculator

Variant: 2.0 TSI
On-road price (Delhi): Rs. 77,28,243
Down payment: Rs. 18,34,182
Loan amount: Rs. 58,94,061
Interest rate: 10.5%
Tenure: 60 months
Monthly EMI: Rs. 1,26,686

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

Skoda Kodiaq RS Car Loan EMI & Loan Breakdown

Monthly EMI

Rs. 1,26,686

60 months @ 10.5%

Down paymentRs. 18,34,182
Loan amountRs. 58,94,061
Total interestRs. 17,07,099
Total loan repayment (EMIs)Rs. 76,01,160
Total purchase outlayRs. 94,35,342

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the 2.0 TSI 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. 9,46,024	Rs. 5,74,208	Rs. 49,48,037
Year 2 Months 13-24	Rs. 10,50,279	Rs. 4,69,953	Rs. 38,97,758
Year 3 Months 25-36	Rs. 11,66,023	Rs. 3,54,209	Rs. 27,31,735
Year 4 Months 37-48	Rs. 12,94,523	Rs. 2,25,709	Rs. 14,37,212
Year 5 Months 49-60	Rs. 14,37,212	Rs. 83,020	Rs. 0

Skoda Kodiaq RS Car Loan Interest Rates – Bank Comparison

Lending Partners	Interest Rate	EMI Starting From (60 Months)
HDFC Bank	8.85% onwards	Rs. 1,21,922 (60 months)
ICICI Bank	9% onwards	Rs. 1,22,351 (60 months)
Axis Bank	9.15% onwards	Rs. 1,22,781 (60 months)
Bank of Baroda	8.7% onwards	Rs. 1,21,495 (60 months)

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Skoda Kodiaq RS EMI by Loan Tenure

For a Rs. 58,94,061 loan on the 2.0 TSI petrol at 10.5%.

Tenure	EMI	Total Interest	Total Payable
36 months	Rs. 1,91,571	Rs. 10,02,495	Rs. 68,96,556
48 months	Rs. 1,50,908	Rs. 13,49,523	Rs. 72,43,584
60 months	Rs. 1,26,686	Rs. 17,07,099	Rs. 76,01,160
84 months	Rs. 99,378	Rs. 24,53,691	Rs. 83,47,752

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Skoda Kodiaq RS

Starts at ₹ 66.99 Lakh

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How Is the Skoda Kodiaq RS 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 2.0 TSI petrol variant: P = ₹58.94 Lakh, r = (10.5 ÷ 12) ÷ 100 = 0.00875 and n = 60 months, which gives an EMI of ₹1,26,686.

The calculation starts from the Delhi on-road price of ₹77.28 Lakh (ex-showroom ₹66.99 Lakh plus insurance, RTO and other charges).

Factors That Affect Your Skoda Kodiaq RS 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 ₹2,940 to the EMI on a ₹58.94 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 ₹1,91,571; over 84 months it drops to ₹99,378 but you pay ₹14.51 Lakh more in interest.
Variant and city: The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

EMI of Skoda Kodiaq RS Rivals – Q3, X1, Cyberster

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

Model	On-road Price	EMI	Tenure	Interest Rate	Compare
Audi Q3 Nova	Rs. 60,05,399	Rs. 98,293	60 months	10.5%	Compare with Kodiaq RS
BMW X1 sDrive18i M Sport	Rs. 61,15,840	Rs. 1,00,016	60 months	10.5%	Compare with Kodiaq RS
MG Cyberster GT	Rs. 86,70,930	Rs. 1,56,041	60 months	10.5%	Compare with Kodiaq RS
Kia Carnival Limousine Plus	Rs. 72,39,355	Rs. 1,12,791	60 months	10.5%	Compare with Kodiaq RS

Frequently Asked Questions About Skoda Kodiaq RS EMI

What is the monthly EMI for the Skoda Kodiaq RS?

₹1,26,686 a month for the 2.0 TSI petrol, on a ₹58.94 Lakh loan at 10.5% for 5 years.

How much down payment is required for the Skoda Kodiaq RS?

About ₹18.34 Lakh for the 2.0 TSI petrol in Delhi. That's the on-road price of ₹77.28 Lakh minus the ₹58.94 Lakh loan.

How does the loan tenure affect the Skoda Kodiaq RS EMI?

Over 3 years the EMI is ₹1,91,571 and you pay ₹10.02 Lakh in interest. Stretch it to 7 years and the EMI drops to ₹99,378, but interest rises to ₹24.54 Lakh.

Is the Skoda Kodiaq RS EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Delhi the 2.0 TSI petrol costs ₹77.28 Lakh on-road, which includes ₹2.88 Lakh insurance and ₹7.42 Lakh RTO and other charges.