Maruti Suzuki Ciaz Car Loan EMI Calculator

₹ 19,052.
Here is how - Maruti Suzuki Ciaz price starts from ₹ 10,72,403 in Jind. If you pay a down payment of ₹ 1,32,802 for a 5-year loan available at 8% interest rate, your EMI amount will be ₹ 19,052.

The cheapest Ciaz model is Sigma 1.5 which is priced at ₹ 10,72,403 in Jind. You will need to pay at least a ₹ 1,32,802 down payment to buy this model.

Note: Down payment is the amount you would pay upfront to buy your car. Bank give you a loan for the remaining amount.

Here is a model wise list of max loan amount for Ciaz.

Version	On-road price in Jind	Max Loan
Sigma 1.5	₹ 10,72,403	₹ 9,39,601
Delta 1.5	₹ 11,39,349	₹ 9,99,601
Zeta 1.5	₹ 11,94,376	₹ 10,39,601
Alpha 1.5	₹ 12,83,312	₹ 11,18,601
Delta 1.5 AT	₹ 12,73,180	₹ 11,09,601
Alpha 1.5 Dual Tone	₹ 13,01,324	₹ 11,34,601
Zeta 1.5 AT	₹ 13,18,211	₹ 11,49,601
Alpha 1.5 AT	₹ 14,07,147	₹ 12,28,601
Alpha 1.5 AT Dual Tone	₹ 14,25,159	₹ 12,44,601

As a thumb rule, you can get a maximun loan of up to 100% of the ex-showroom price.

Good Practice will be to chose the shortest possible tenure for which you can afford an EMI amount.

• 1. If you select a higher tenure loan, let's say 7 years, your EMI for Ciaz Sigma 1.5 will be ₹ 16,715 but you will have to pay interest of ₹ 4,64,459 over the period of 7 years.
• 2. If you select a lower tenure loan, let's say 3 years, your EMI amount will be higher at ₹ 33,605, but your interest payment will be only ₹ 2,70,179 over the 3 years period.

₹ 19,052
Maruti Suzuki Ciaz price starts from ₹ 10,72,403 in Jind.

We have considered
Down-payement : ₹ 1,32,802
Tenure : 5 years
Interest Rate : 8%

You will need to fulfill the following 2 criteria to buy Ciaz with a loan

• 1. Age should be above 21
• 2. Your annual income should be above ₹ 3,58,000

As a general rule, banks or other lenders offer you a car loan 3 to 4 times your annual income. Considering the on-road price of Ciaz starts from ₹ 10.72 Lakh, you can get a loan with an annual income as low as ₹ 3.58 lakh.

Here are the most important things you should consider while getting a car loan for a new Ciaz

• 1. Interest rate - Go for the loan with the lowest interest rate.
• 2. Additional Charges - processing fee, prepayment charges, late payment penalty are some of the important points you need to check before taking a loan.
• 3. Tenue and Max Loan Amount - Select a lender who gives you a loan that you can afford.
  -If Max loan amount is lower, you will have to shell out more money upfront to buy the car.
  -If Tenue is lower, your per month instalment amount will increase.
• 4. Eligibility - Banks may have stricter eligibility requirements compared to NBFCs or other financial institutions.