For the base model
X3 M40i , whose price is
₹ 98.37 Lakh, you will need to do a down payment of
₹ 10,67,395. One generally gets a loan for a 100% ex-showroom value of the car. The remaining money is required to be paid upfront as down-payment. Your EMI amount will be
₹ 1,77,824 for a 5 years loan.