Maruti Suzuki Swift Dzire [2015-2017] Car Loan EMI Calculator

₹ 10,863.
Here is how - Maruti Suzuki Swift Dzire [2015-2017] price starts from ₹ 6,09,343 in Pune. If you pay a down payment of ₹ 73,600 for a 5-year loan available at 8% interest rate, your EMI amount will be ₹ 10,863.

The cheapest Swift Dzire [2015-2017] model is LXI which is priced at ₹ 6,09,343 in Pune. You will need to pay at least a ₹ 73,600 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 Swift Dzire [2015-2017].

Version	On-road price in Pune	Max Loan
LXI	₹ 6,09,343	₹ 5,35,743
LXI (O)	₹ 6,22,203	₹ 5,49,759
VXI	₹ 6,99,993	₹ 6,19,121
ZXI	₹ 8,08,797	₹ 7,16,136
LDI	₹ 7,80,558	₹ 6,78,418
VDI	₹ 8,34,033	₹ 7,25,234
ZDI	₹ 9,44,771	₹ 8,22,182
VXI AT	₹ 7,92,687	₹ 7,01,771
VXI AT ABS	₹ 8,16,004	₹ 7,22,562
LXI ABS	₹ 6,45,526	₹ 5,70,554
LDI ABS	₹ 8,04,616	₹ 6,99,480
VXI ABS	₹ 7,23,310	₹ 6,39,911
VDi ABS	₹ 8,48,468	₹ 7,37,871
ZDI AMT	₹ 10,03,720	₹ 8,73,790

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 Swift Dzire [2015-2017] LXI will be ₹ 9,497 but you will have to pay interest of ₹ 2,62,005 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 ₹ 19,095, but your interest payment will be only ₹ 1,51,677 over the 3 years period.

₹ 10,863
Maruti Suzuki Swift Dzire [2015-2017] price starts from ₹ 6,09,343 in Pune.

We have considered
Down-payement : ₹ 73,600
Tenure : 5 years
Interest Rate : 8%

You will need to fulfill the following 2 criteria to buy Swift Dzire [2015-2017] with a loan

• 1. Age should be above 21
• 2. Your annual income should be above ₹ 2,04,000

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 Swift Dzire [2015-2017] starts from ₹ 6.09 Lakh, you can get a loan with an annual income as low as ₹ 2.04 lakh.

Here are the most important things you should consider while getting a car loan for a new Swift Dzire [2015-2017]

• 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.