Volkswagen Virtus EMI Calculator

Updated on October 2026

Volkswagen Virtus EMI starts at ₹20,154 per month for the Comfortline petrol (₹10.71 Lakh ex-showroom, ₹12.64 Lakh on-road Delhi), on a ₹9.38 Lakh loan at 10.5% for 60 months. Down payment: ₹3.26 Lakh. Total interest: ₹2.72 Lakh. The top Anniversary Edition costs ₹36,224/month.

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

Volkswagen Virtus Comfortline EMI & Down Payment

Volkswagen Virtus Comfortline – EMI calculator

Ex-showroom

: Rs. 10,70,900

On-road price

: Rs. 12,63,933 (Delhi)

Loan amount

: Rs. 9,37,644 (On-road - Down payment)

Down payment

: Rs. 3,26,289 (On-road - Loan amount)

Monthly EMI

: Rs. 20,154 (For Tenure of 60 months @ 10.5%; banks start from 8.7%)

Insurance

: Rs. 45,434

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Volkswagen Virtus Car Loan EMI Calculator

On-road price (Delhi): Rs. 12,63,933
Down payment: Rs. 3,26,289
Loan amount: Rs. 9,37,644
Interest rate: 10.5%
Tenure: 60 months
Monthly EMI: Rs. 20,154
Total interest: Rs. 2,71,596
Total payable: Rs. 12,09,240

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

Volkswagen Virtus Car Loan Interest Rates – Bank Comparison

Lending Partners	Interest Rate	EMI Starting From (60 Months)
HDFC Bank	8.85% onwards	Rs. 19,396 (60 months)
ICICI Bank	9% onwards	Rs. 19,464 (60 months)
Axis Bank	9.15% onwards	Rs. 19,532 (60 months)
Bank of Baroda	8.7% onwards	Rs. 19,328 (60 months)

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Volkswagen Virtus EMI by Loan Tenure

For a Rs. 9,37,644 loan on the Comfortline petrol at 10.5%.

Tenure	EMI	Total Interest	Total Payable
36 months	Rs. 30,476	Rs. 1,59,492	Rs. 10,97,136
48 months	Rs. 24,007	Rs. 2,14,692	Rs. 11,52,336
60 months	Rs. 20,154	Rs. 2,71,596	Rs. 12,09,240
84 months	Rs. 15,809	Rs. 3,90,312	Rs. 13,27,956

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Volkswagen Virtus

4.6 95 user reviews

Starts at ₹ 10.71 Lakh

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Volkswagen Virtus Variant-wise EMI & Down Payment

Virtus Variants	Fuel/Transmission	Ex-showroom	Loan @10.5%	Down Payment	EMI (60 months)
Comfortline	Petrol / Manual	Rs. 10,70,900	Rs. 9,37,644	Rs. 3,26,289	Rs. 20,154
Highline	Petrol / Manual	Rs. 13,50,900	Rs. 11,84,228	Rs. 4,02,220	Rs. 25,454
Highline Plus	Petrol / Manual	Rs. 13,90,900	Rs. 12,19,454	Rs. 4,12,696	Rs. 26,211
GT Line	Petrol / Manual	Rs. 14,34,900	Rs. 12,58,203	Rs. 4,24,829	Rs. 27,044
Highline AT	Petrol / Automatic	Rs. 14,70,900	Rs. 12,89,906	Rs. 4,33,648	Rs. 27,725
Highline Plus AT	Petrol / Automatic	Rs. 14,99,900	Rs. 13,15,445	Rs. 4,35,216	Rs. 28,274
Topline ES	Petrol / Manual	Rs. 15,15,900	Rs. 13,29,536	Rs. 4,45,146	Rs. 28,577
GT Line AT	Petrol / Automatic	Rs. 15,24,900	Rs. 13,37,462	Rs. 4,48,125	Rs. 28,747
Topline AT ES	Petrol / Automatic	Rs. 16,34,900	Rs. 14,34,334	Rs. 4,75,709	Rs. 30,829
GT Plus DSG ES	Petrol / Automatic	Rs. 18,84,900	Rs. 16,54,498	Rs. 5,53,665	Rs. 35,562
Anniversary Edition	Petrol / Automatic	Rs. 19,19,900	Rs. 16,85,320	Rs. 5,33,981	Rs. 36,224
GT Plus Sport DSG	Petrol / Automatic	Rs. 19,19,900	Rs. 16,85,320	Rs. 5,63,181	Rs. 36,224

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EMI of Volkswagen Virtus Rivals – Verna, Slavia, Scorpio N

Hyundai Verna
Rs. 10.98 Lakh
Verna EMI Compare with Virtus
Skoda Slavia
Rs. 10.00 Lakh
Slavia EMI Compare with Virtus
Volkswagen Taigun
Rs. 11.00 Lakh
Taigun EMI Compare with Virtus
Mahindra Scorpio N
Rs. 13.69 Lakh
Scorpio N EMI Compare with Virtus

Volkswagen Virtus EMI – Frequently Asked Questions

What is the starting EMI of the Volkswagen Virtus?

The Volkswagen Virtus EMI starts at ₹20,154 per month for the Comfortline petrol on a ₹9.38 Lakh loan at 10.5% for 60 months. Its on-road price in Delhi is ₹12.64 Lakh.

What is the minimum down payment for the Volkswagen Virtus?

About ₹3.26 Lakh for the Comfortline petrol in Delhi: the on-road price of ₹12.64 Lakh minus a ₹9.38 Lakh loan.

How much total interest will I pay on a Volkswagen Virtus loan?

On a ₹9.38 Lakh loan at 10.5% for 60 months you pay ₹2.72 Lakh in interest, or ₹12.09 Lakh in total.

What is the Volkswagen Virtus EMI for a 3-year versus a 7-year tenure?

For a ₹9.38 Lakh loan at 10.5%, the EMI is ₹30,476 per month over 3 years (₹1.59 Lakh interest) and ₹15,809 per month over 7 years (₹3.90 Lakh interest).

Which bank has the lowest interest rate for a Volkswagen Virtus loan?

Of the banks listed on this page, Bank of Baroda starts lowest at 8.7%, which makes the EMI ₹19,328 per month on a ₹9.38 Lakh loan for 60 months.

What is the EMI of the top Volkswagen Virtus variant?

The Anniversary Edition costs ₹36,224 per month on a ₹16.85 Lakh loan at 10.5% for 60 months.

How is the Volkswagen Virtus down payment calculated?

Down payment is the on-road price minus the loan amount. ZigWheels finances 90% of the ex-showroom price, less the processing fee and one EMI paid in advance, so the down payment covers the rest of the ex-showroom price plus insurance, registration and other on-road charges.

Ask or read owner questions on Volkswagen Virtus Q&A

Volkswagen Virtus

4.6 95 user reviews

Starts at Rs. 10.71 Lakh

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Volkswagen Virtus 2026 Brochure

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

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