Hyundai Exter EMI & On-Road Price 2026 — Variant & State Guide
Exact Hyundai Exter on-road price and EMI by variant and state — road tax, insurance and monthly instalment, with a live calculator.
Key Takeaways
- The Exter HX6 (petrol, MT) at ₹7,98,600 ex-showroom comes to about ₹9,53,355 on-road in Karnataka (14% road tax), including insurance and registration — no TCS applies because the price is below ₹10 lakh.
- On a 20% down payment (₹1,90,671) and a 7-year loan at 9.5%, that is an EMI of ₹12,465 on a ₹7,62,684 loan.
- Road tax swings the on-road price by about ₹64,000 between Gujarat (₹8,89,467) and Karnataka (₹9,53,355) for the same variant.
- Putting 30% down instead of 10% cuts total interest from ₹3,19,913 to ₹2,48,840 — a ₹71,073 saving over seven years.
The Hyundai Exter is a feature-rich micro-SUV that packs six airbags, a sunroof, a dashcam and connected-car tech into a sub-4-metre body — a compelling first SUV. But the price you pay at the showroom — the on-road price — sits above the ex-showroom figure Hyundai advertises, because road tax, insurance and registration get added on top. This guide gives the exact on-road price and EMI for every popular Exter variant, lets you model your own down payment, rate and tenure in the live calculator below, and shows how much your registration state changes the bill. Ex-showroom prices were verified in June 2026 (ex-showroom Delhi, 2026 facelift) and state road-tax rates against current 2026 RTO slabs — small state cesses may apply on top.
Hyundai Exter
Feature-packed micro-SUV — 1.2 petrol with AMT and factory CNG.
On-Road Price & EMI Calculator
Pick your variant and state to see the on-road breakdown and monthly EMI.
Interest is 37% of the amount you borrow over 7 years. A bigger down payment or shorter tenure lowers it — adjust the sliders to compare.
Buttons carry your current loan amount, rate and tenure into the full calculators.
Estimates only. Road-tax slabs (as of June 2026), insurance and dealer charges vary — confirm the final on-road price with your RTO and an authorised dealer.
Results are indicative only. Actual EMI may vary based on your lender's rounding method, processing date, stub-period interest, and applicable fees. Always verify with your bank or NBFC before making a financial decision. See our disclaimer for full details.
Hyundai Exter Variant Prices (2026)
The 2026 Exter facelift uses the HX2–HX10 grade scheme, with a 1.2 petrol in manual and AMT plus a factory CNG option. Ex-showroom Delhi prices, the Karnataka on-road price and the indicative EMI (20% down, 7 years at 9.5%):
| Variant | Ex-showroom | On-road (Karnataka) | EMI (20% down, 7yr) |
|---|---|---|---|
| HX2 Petrol MT | ₹5,80,600 | ₹6,97,205 | ₹9,116 |
| HX3 Petrol MT | ₹6,29,600 | ₹7,54,780 | ₹9,869 |
| HX3 Petrol AMT | ₹6,94,600 | ₹8,31,155 | ₹10,868 |
| HX2 CNG | ₹6,99,900 | ₹8,37,383 | ₹10,949 |
| HX6 Petrol MT | ₹7,98,600 | ₹9,53,355 | ₹12,465 |
| HX4 Petrol MT | ₹8,27,600 | ₹9,87,430 | ₹12,911 |
| HX8 Petrol MT | ₹8,39,600 | ₹10,01,530 | ₹13,095 |
| HX6 Petrol AMT | ₹8,58,600 | ₹10,23,855 | ₹13,387 |
| HX10 Petrol AMT | ₹9,45,600 | ₹11,26,080 | ₹14,724 |
The calculator above lists every variant with its live on-road price and EMI for your state — its buttons also pre-fill the car loan EMI calculator with your chosen variant.
What Goes Into the On-Road Price
For the popular Exter HX6 petrol at ₹7,98,600 ex-showroom in Karnataka:
| Component | Amount | Basis |
|---|---|---|
| Ex-showroom (Delhi) | ₹7,98,600 | Hyundai list price |
| Road tax (14%) | ₹1,11,804 | Karnataka slab for ₹5–10 lakh |
| Insurance (~3.5%) | ₹27,951 | First-year comprehensive (estimate) |
| TCS (1%) | ₹0 | Not applicable — price below ₹10 lakh |
| Registration, HSRP, FASTag | ₹15,000 | Estimate |
| On-road price | ₹9,53,355 |
Every Exter variant stays below the ₹10 lakh TCS threshold, so no 1% tax is collected at purchase. Insurance and registration are estimates that vary by city. Road tax is the largest variable cost and the reason the same Exter costs different amounts across states.
How State Road Tax Changes Your Price
For the Exter HX6 petrol (₹7,98,600), road tax moves the on-road price by about ₹64,000:
| State | Road tax | On-road price |
|---|---|---|
| Gujarat | 6% | ₹8,89,467 |
| Delhi | 7% | ₹8,97,453 |
| Uttar Pradesh | 8% | ₹9,05,439 |
| West Bengal | 8% | ₹9,05,439 |
| Rajasthan | 8% | ₹9,05,439 |
| Maharashtra | 11% | ₹9,29,397 |
| Kerala | 11% | ₹9,29,397 |
| Telangana | 12% | ₹9,37,383 |
| Tamil Nadu | 13% | ₹9,45,369 |
| Karnataka | 14% | ₹9,53,355 |
Gujarat's flat 6% makes it the cheapest place to register an Exter, while Karnataka's 14% slab sits at the top. Drop two on-road figures into compare loans to see the EMI difference in one view.
Hyundai Exter EMI by Loan Tenure
For the Exter HX6 petrol at ₹9,53,355 on-road with 20% down (₹1,90,671), the loan is ₹7,62,684. At 9.5%:
| Tenure | EMI | Total interest |
|---|---|---|
| 5 years | ₹16,018 | ₹1,98,396 |
| 6 years | ₹13,938 | ₹2,40,852 |
| 7 years | ₹12,465 | ₹2,84,376 |
| 8 years | ₹11,372 | ₹3,29,028 |
Going from 5 to 8 years lowers the EMI by ₹4,646 but adds ₹1,30,632 in interest. See flat vs reducing balance interest for why a longer tenure costs disproportionately more, and test tenures on the car loan EMI calculator.
Down Payment: How Much Should You Put Down?
For the Exter HX6 petrol (₹9,53,355 on-road), 7-year loan at 9.5%:
| Down payment | Loan amount | EMI | Total interest |
|---|---|---|---|
| 10% (₹95,336) | ₹8,58,019 | ₹14,023 | ₹3,19,913 |
| 20% (₹1,90,671) | ₹7,62,684 | ₹12,465 | ₹2,84,376 |
| 30% (₹2,86,007) | ₹6,67,348 | ₹10,907 | ₹2,48,840 |
A 30% down payment saves ₹71,073 in interest versus 10% down. If your savings are tied up at purchase, an early part-prepayment achieves much the same result — the prepayment calculator quantifies it, and floating-rate loans carry no prepayment penalty under RBI rules.
Running and Ownership Costs
The Exter returns about 19 km/l on petrol and roughly 27 km/kg on CNG in everyday driving. At 12,000 km a year, the petrol costs about ₹61,000 in fuel; the CNG cuts that by around a third for high-mileage users. The Exter's long features list — sunroof, six airbags, ESC and connected tech across most trims — supports resale value, though Hyundai's service and parts costs run a little above Maruti's. The AMT is convenient in traffic but adds a small maintenance premium. Budget for insurance renewals and consumables (brakes, tyres) over your ownership period.
Is a Hyundai Exter EMI Affordable for You?
Keep all your EMIs under 50% of take-home pay (the FOIR cap most lenders use) and your car EMI alone within 15–20%. The Exter HX6 EMI of ₹12,465 suggests a take-home income of roughly ₹62,000–83,000 a month for comfort. Check your eligibility with the loan eligibility calculator and read how much EMI you can afford. A CIBIL score above 750 typically earns the lowest rate — see CIBIL score and loan interest rate.
How to Get the Best Hyundai Exter Loan Deal
- Negotiate on the on-road price and demand a line-item breakup of insurance and accessories.
- Know your credit score before visiting — check current loan rates to benchmark offers.
- Compare bank, NBFC and dealer finance in the compare loans tool; dealer finance is not always cheapest.
- Choose the shortest comfortable tenure to limit interest.
- Schedule a yearly prepayment to close the loan faster — model it in the prepayment calculator.
Deciding whether to finance or pay cash? Read car loan vs outright purchase. Cross-shopping micro-SUVs? Compare the Tata Punch and Hyundai Venue on-road and EMI guides.
Frequently Asked Questions
What is the on-road price of the Hyundai Exter in 2026?
For the HX6 petrol (₹7,98,600 ex-showroom), the on-road price is about ₹9,53,355 in Karnataka, including 14% road tax, insurance and registration. The same variant ranges from roughly ₹8.89 lakh in Gujarat to ₹9.53 lakh in Karnataka; the entry HX2 starts near ₹6.97 lakh on-road.
What is the EMI for a Hyundai Exter?
For the HX6 petrol on 20% down (₹1,90,671) and a 7-year loan at 9.5%, the EMI is ₹12,465 on a ₹7,62,684 loan. A 5-year tenure raises it to ₹16,018 but saves about ₹86,000 in interest. Adjust the figures in the calculator above.
What do the HX2–HX10 trim names mean?
The 2026 Exter facelift replaced the old EX/S/SX naming with a numbered HX scheme: HX2 is the safety-focused base, rising through HX3, HX4, HX6 and HX8 to the top HX10. Higher numbers add features like a sunroof, alloys, connected tech and a wireless charger.
Is there TCS on the Hyundai Exter?
No. Every Exter variant is priced below ₹10 lakh ex-showroom, so the 1% TCS under Section 206C(1F) does not apply.
Is the Exter CNG worth the premium?
The CNG variants cut your fuel bill by around a third and recover their premium within two to three years for high-mileage city users. The trade-off is reduced boot space and a small drop in performance; lighter users may prefer the petrol AMT.
How much road tax does the Exter attract?
Between 6% (Gujarat) and 14% (Karnataka, plus cess) for a sub-₹10-lakh car, depending on the state slab. Delhi and Gujarat are among the cheapest places to register one.
What is a sensible down payment for the Exter?
Around 20% balances a manageable EMI with reasonable savings retention. If you can stretch to 30%, you save about ₹71,000 in interest over seven years compared with 10% down. Full financing maximises interest and is best avoided.
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