Skoda Octavia RS EMI Calculator


Updated on November 2026
Skoda Octavia RS EMI starts at ₹1,07,190 per month for the STD petrol (₹56.69 Lakh ex-showroom, ₹65.45 Lakh on-road Delhi), on a ₹49.87 Lakh loan at 10.5% for 60 months. Down payment: ₹15.58 Lakh. Total interest: ₹14.44 Lakh.
Also see: Octavia RS On-road price | Octavia RS Variants | Octavia RS Offers

Skoda Octavia RS EMI and Down Payment

Ex-showroom
: Rs. 56,69,000
On-road price
: Rs. 65,45,224  (Delhi)
Loan amount
: Rs. 49,86,986  (On-road price - Down payment)
Down payment
: Rs. 15,58,238  (Amount paid upfront)
Monthly EMI
: Rs. 1,07,190  (For Tenure of 60 months @ 10.5%; banks start from 8.7%)
Insurance
: Rs. 2,47,834
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Skoda Octavia RS Car Loan EMI Calculator

Variant
STD
On-road price (Delhi)
Rs. 65,45,224
Down payment
Rs. 15,58,238
Loan amount
Rs. 49,86,986
Interest rate
10.5%
Tenure
60 months
Monthly EMI
Rs. 1,07,190
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

Skoda Octavia RS Car Loan EMI & Loan Breakdown

Monthly EMI
Rs. 1,07,190
60 months @ 10.5%
  • Down paymentRs. 15,58,238
  • Loan amountRs. 49,86,986
  • Total interestRs. 14,44,414
  • Total loan repayment (EMIs)Rs. 64,31,400
  • Total purchase outlayRs. 79,89,638

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the 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. 8,00,441Rs. 4,85,839Rs. 41,86,545
Year 2 Months 13-24Rs. 8,88,652Rs. 3,97,628Rs. 32,97,893
Year 3 Months 25-36Rs. 9,86,584Rs. 2,99,696Rs. 23,11,309
Year 4 Months 37-48Rs. 10,95,310Rs. 1,90,970Rs. 12,15,999
Year 5 Months 49-60Rs. 12,15,999Rs. 70,281Rs. 0
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Skoda Octavia RS Car Loan Interest Rates – Bank Comparison

Lending Partners Interest Rate EMI Starting From (60 Months)
Loans From HDFC BankHDFC Bank 8.85% onwards Rs. 1,03,159 (60 months)
Loans From ICICI BankICICI Bank 9% onwards Rs. 1,03,522 (60 months)
Loans From Axis BankAxis Bank 9.15% onwards Rs. 1,03,885 (60 months)
Loans From Bank of Baroda BankBank of Baroda 8.7% onwards Rs. 1,02,797 (60 months)
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Skoda Octavia RS EMI by Loan Tenure

For a Rs. 49,86,986 loan on the STD petrol at 10.5%.

Tenure EMI Total Interest Total Payable
36 months Rs. 1,62,089 Rs. 8,48,218 Rs. 58,35,204
48 months Rs. 1,27,684 Rs. 11,41,846 Rs. 61,28,832
60 months Rs. 1,07,190 Rs. 14,44,414 Rs. 64,31,400
84 months Rs. 84,084 Rs. 20,76,070 Rs. 70,63,056
Skoda Octavia RS
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Skoda Octavia RS
5.0 1 user reviews
Starts at ₹ 56.69 Lakh
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How Is the Skoda Octavia 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 STD petrol variant: P = ₹49.87 Lakh, r = (10.5 ÷ 12) ÷ 100 = 0.00875 and n = 60 months, which gives an EMI of ₹1,07,190.

The calculation starts from the Delhi on-road price of ₹65.45 Lakh (ex-showroom ₹56.69 Lakh plus insurance, RTO and other charges).

Factors That Affect Your Skoda Octavia 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 ₹2,487 to the EMI on a ₹49.87 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 ₹1,62,089; over 84 months it drops to ₹84,084 but you pay ₹12.28 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 Octavia RS Rivals – Roadster, Camry, Fortuner Legender

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

ModelOn-road PriceEMITenureInterest RateCompare
Tesla Roadster Performance Rs. 50,60,660 Rs. 94,640 60 months 10.5% Compare with Octavia RS
Toyota Camry Elegance Rs. 57,73,374 Rs. 92,047 60 months 10.5% Compare with Octavia RS
Toyota Fortuner Legender 4x2 AT Rs. 52,98,266 Rs. 81,939 60 months 10.5% Compare with Octavia RS
Audi Q3 Nova Rs. 60,05,399 Rs. 98,293 60 months 10.5% Compare with Octavia RS

Frequently Asked Questions About Skoda Octavia RS EMI

What is the monthly EMI for the Skoda Octavia RS?

₹1,07,190 a month for the STD petrol, on a ₹49.87 Lakh loan at 10.5% for 5 years.

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

About ₹15.58 Lakh for the STD petrol in Delhi. That's the on-road price of ₹65.45 Lakh minus the ₹49.87 Lakh loan.

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

Over 3 years the EMI is ₹1,62,089 and you pay ₹8.48 Lakh in interest. Stretch it to 7 years and the EMI drops to ₹84,084, but interest rises to ₹20.76 Lakh.

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

On the on-road price. In Delhi the STD petrol costs ₹65.45 Lakh on-road, which includes ₹2.48 Lakh insurance and ₹6.28 Lakh RTO and other charges.

Does the Skoda Octavia RS EMI calculator include the processing fee?

Yes. The ₹5,450 processing fee is paid with the down payment and is not added to the loan.

Which bank has the lowest interest rate for a Skoda Octavia RS loan?

Bank of Baroda, from 8.7%. At that rate the EMI on the same ₹49.87 Lakh loan comes to ₹1,02,797 a month.

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Skoda Octavia RS
Skoda Octavia RS
5.0 1 user reviews
Starts at Rs. 56.69 Lakh
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