For the base model
XC90 , whose price is
₹ 1.21 Crore, you will need to do a down payment of
₹ 20,43,395. 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
₹ 2,04,587 for a 5 years loan.