Hyundai Grand i10 Nios EMI & On-Road Price 2026 — Variant & State Guide
Exact Hyundai Grand i10 Nios on-road price and EMI by variant and state — road tax, insurance and monthly instalment, with a live calculator.
Key Takeaways
- The Grand i10 Nios Asta 1.2 MT at ₹9,27,000 ex-showroom works out to about ₹11,04,225 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 (₹2,20,845) and a 7-year loan at 9.5%, the EMI is ₹14,438 on an ₹8,83,380 loan.
- Road tax moves the on-road price by about ₹74,160 between Gujarat (₹10,30,065) and Karnataka (₹11,04,225) for the same variant.
- Putting 30% down instead of 10% cuts total interest from ₹3,70,609 to ₹2,88,214 — an ₹82,395 saving over seven years.
Hyundai's Grand i10 Nios has consistently ranked among India's top-selling hatchbacks by giving buyers more than the segment minimum — rear AC vents from the Magna trim upwards, a sunroof on the Asta, rear parking sensors and a 1.2-litre petrol engine that balances performance with fuel efficiency. The CNG variants extend the appeal for high-mileage urban commuters. As with every new car in India, the advertised price is the ex-showroom figure — road tax, insurance and registration add meaningfully to the final outlay. This guide breaks down the exact on-road price and EMI for every Grand i10 Nios variant across ten Indian states, verified to the rupee as of June 2026.
Hyundai Grand i10 Nios
Hyundai's feature-rich compact — rear AC vents, sunroof on top trim, OBD2 engine.
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 Grand i10 Nios Variant Prices (2026)
The Nios is offered across four petrol trims (Era, Magna, Sportz, Asta), an AMT automatic, and CNG options on Sportz and Asta. Karnataka on-road prices and indicative EMIs at 20% down, 7 years, 9.5%:
| Variant | Ex-showroom | On-road (Karnataka) | EMI (20% down, 7yr) |
|---|---|---|---|
| Era 1.2 MT | ₹5,84,000 | ₹7,01,200 | ₹9,168 |
| Magna 1.2 MT | ₹6,98,000 | ₹8,35,150 | ₹10,920 |
| Sportz 1.2 MT | ₹8,04,000 | ₹9,59,700 | ₹12,548 |
| Asta 1.2 MT | ₹9,27,000 | ₹11,04,225 | ₹14,438 |
| Sportz AMT | ₹8,65,000 | ₹10,31,375 | ₹13,485 |
| Sportz CNG | ₹8,97,000 | ₹10,68,975 | ₹13,977 |
| Asta CNG | ₹9,98,000 | ₹11,87,650 | ₹15,529 |
The live calculator above shows every variant with on-road pricing for your state and pre-fills the car loan EMI calculator with your chosen numbers.
What Goes Into the On-Road Price
For the popular Grand i10 Nios Asta 1.2 MT at ₹9,27,000 ex-showroom in Karnataka:
| Component | Amount | Basis |
|---|---|---|
| Ex-showroom (Delhi) | ₹9,27,000 | Hyundai list price |
| Road tax (14%) | ₹1,29,780 | Karnataka slab for ₹5–10 lakh |
| Insurance (~3.5%) | ₹32,445 | First-year comprehensive (estimate) |
| TCS (1%) | ₹0 | Not applicable — price below ₹10 lakh |
| Registration, HSRP, FASTag | ₹15,000 | Estimate |
| On-road price | ₹11,04,225 |
All Grand i10 Nios petrol variants are below ₹10 lakh, so no TCS applies. The Asta CNG at ₹9,98,000 is still below the threshold. Insurance and registration are estimates; actual amounts vary by city and add-ons.
How State Road Tax Changes Your Price
For the Nios Asta 1.2 MT (₹9,27,000 ex-showroom), road tax varies considerably by state:
| State | Road tax % | Road tax (₹) | On-road price |
|---|---|---|---|
| Gujarat | 6% | ₹55,620 | ₹10,30,065 |
| Delhi | 7% | ₹64,890 | ₹10,39,335 |
| Uttar Pradesh | 8% | ₹74,160 | ₹10,48,605 |
| West Bengal | 8% | ₹74,160 | ₹10,48,605 |
| Rajasthan | 8% | ₹74,160 | ₹10,48,605 |
| Maharashtra | 11% | ₹1,01,970 | ₹10,76,415 |
| Kerala | 11% | ₹1,01,970 | ₹10,76,415 |
| Telangana | 12% | ₹1,11,240 | ₹10,85,685 |
| Tamil Nadu | 13% | ₹1,20,510 | ₹10,94,955 |
| Karnataka | 14% | ₹1,29,780 | ₹11,04,225 |
Gujarat's 6% is the cheapest option, saving ₹74,160 versus Karnataka. Drop two state on-road prices into compare loans to see the EMI difference.
Hyundai Grand i10 Nios EMI by Loan Tenure
For the Nios Asta MT at ₹11,04,225 on-road with 20% down (₹2,20,845), the loan is ₹8,83,380 at 9.5%:
| Tenure | EMI | Total interest |
|---|---|---|
| 5 years | ₹18,553 | ₹2,29,800 |
| 6 years | ₹16,143 | ₹2,78,916 |
| 7 years | ₹14,438 | ₹3,29,412 |
| 8 years | ₹13,172 | ₹3,81,132 |
Choosing 5 years over 8 years raises the monthly outgo by ₹5,381 but saves ₹1,51,332 in interest — nearly the cost of an entry-level variant. Model the trade-off in the car loan EMI calculator, and see the full interest-vs-principal breakdown in the amortization schedule.
Down Payment: How Much Should You Put Down?
For the Nios Asta MT (₹11,04,225 on-road), 7-year loan at 9.5%:
| Down payment | Loan amount | EMI | Total interest |
|---|---|---|---|
| 10% (₹1,10,423) | ₹9,93,803 | ₹16,243 | ₹3,70,609 |
| 20% (₹2,20,845) | ₹8,83,380 | ₹14,438 | ₹3,29,412 |
| 30% (₹3,31,268) | ₹7,72,958 | ₹12,633 | ₹2,88,214 |
Increasing down payment from 10% to 30% saves ₹82,395 in interest over seven years — a significant sum. If your savings cannot stretch to 30% at purchase, an early part-prepayment delivers similar results; the prepayment calculator shows the exact number for any payment you plan.
CNG vs Petrol: Is the Nios CNG Worth It?
The Sportz CNG costs ₹93,000 more than the Sportz MT petrol. At 12,000 km a year, CNG at roughly ₹88/kg versus petrol at ₹104/litre, the annual fuel saving is approximately ₹24,000 (27 km/kg CNG vs 20 km/l petrol). Payback on the CNG premium takes around 4 years — faster for urban commuters covering 1,500+ km a month. Higher mileage tilts the math clearly in favour of CNG; lighter weekend drivers will do better with the petrol.
Is a Grand i10 Nios EMI Affordable for You?
The Asta MT's 7-year EMI of ₹14,438 is comfortable for take-home incomes of roughly ₹72,000–90,000 a month, keeping the car EMI within the 15–20% guideline. Banks cap total EMI obligations at 50% of income (FOIR). Use the loan eligibility calculator to calculate your exact borrowing capacity. Also read how much EMI you can afford and CIBIL score and loan interest rates — a score above 750 unlocks the best rates.
How to Get the Best Grand i10 Nios Loan Deal
- Request a full line-item on-road quote from Hyundai — separate insurance premium, accessories and handling fees.
- Compare Hyundai Finance with your own bank using current rates before signing.
- Use compare loans to evaluate at least two lenders side by side.
- Choose the shortest tenure you can sustain — the interest saved from 5 vs 8 years is over ₹1.5 lakh.
- Prepay whenever surplus cash is available — floating-rate car loans carry no foreclosure penalty under RBI rules.
Deciding between the Nios and a comparable crossover? Read car loan vs outright purchase first.
Frequently Asked Questions
What is the on-road price of the Hyundai Grand i10 Nios in 2026?
For the Asta 1.2 MT at ₹9,27,000 ex-showroom, the on-road price is about ₹11,04,225 in Karnataka. The same variant ranges from roughly ₹10.30 lakh in Gujarat to ₹11.04 lakh in Karnataka. The entry Era starts near ₹7.01 lakh on-road.
What is the EMI for a Hyundai Grand i10 Nios?
For the Asta MT on 20% down (₹2,20,845) and a 7-year loan at 9.5%, the EMI is ₹14,438 on an ₹8,83,380 loan. A 5-year tenure raises it to ₹18,553 but saves about ₹1.5 lakh in interest.
Is there TCS on the Grand i10 Nios?
No. The 1% TCS under Section 206C(1F) kicks in only when ex-showroom price exceeds ₹10 lakh. All Nios variants — including the Asta CNG at ₹9,98,000 — are priced below that threshold.
Is the CNG or petrol Nios better for me?
For drivers covering more than 1,200 km a month regularly, the CNG recoups its extra cost within 3–4 years through fuel savings. Those with shorter daily commutes or in cities without reliable CNG infrastructure will find the petrol more practical.
How much does road tax vary for the Grand i10 Nios?
For the Asta MT, road tax ranges from 6% in Gujarat to 14% in Karnataka — a difference of ₹74,160. UP, WB and Rajasthan charge 8%; Maharashtra and Kerala 11%; Telangana 12%; Tamil Nadu 13%.
How can I lower my Nios EMI?
Raise the down payment, select a shorter tenure (accepting higher total interest for fewer months), make an early lump-sum prepayment, or transfer the balance to a lower-rate lender. Use the prepayment calculator to model the savings.
What is a sensible down payment for the Grand i10 Nios?
20% is the standard starting point. Stretching to 30% saves about ₹82,000 in interest over seven years — well worth it if your savings buffer remains comfortable after the purchase.
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