Hyundai Verna EMI & On-Road Price 2026 — Variant & State Guide
Exact Hyundai Verna on-road price and EMI by variant and state — road tax, insurance, TCS and monthly instalment, with a live calculator.
Key Takeaways
- The Verna HX6 (petrol, MT) at ₹13,20,200 ex-showroom comes to about ₹16,19,043 on-road in Karnataka (17% road tax), with insurance, 1% TCS and registration.
- On a 20% down payment (₹3,23,809) and a 7-year loan at 9.5%, that is an EMI of ₹21,169 on a ₹12,95,234 loan.
- Road tax swings the on-road price by about ₹1.85 lakh between Gujarat (₹14,73,821) and Tamil Nadu (₹16,58,649) for the same variant.
- Putting 30% down instead of 10% cuts total interest from ₹5,43,321 to ₹4,22,602 — a ₹1,20,719 saving over seven years.
The Hyundai Verna is the segment's most feature-rich midsize sedan, offering a 1.5 petrol for value buyers and a 160hp turbo for enthusiasts. But the price you negotiate at the dealer — the on-road price — sits well above the ex-showroom figure Hyundai advertises, because road tax, insurance, 1% TCS and registration get added on top. This guide gives the exact on-road price and EMI for every popular Verna 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) and state road-tax rates against current 2026 RTO slabs — small state cesses may apply on top.
Hyundai Verna
Feature-rich midsize sedan — 1.5 petrol and 160hp turbo.
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 Verna Variant Prices (2026)
The Verna uses the HX2–HX10 grade scheme, petrol-only: a 1.5 NA engine (MT/iVT) and a 1.5 turbo (MT/DCT). 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 | ₹10,99,200 | ₹13,50,528 | ₹17,658 |
| HX4 Petrol MT | ₹12,26,200 | ₹15,04,833 | ₹19,676 |
| HX6 Petrol MT | ₹13,20,200 | ₹16,19,043 | ₹21,169 |
| HX6 Petrol iVT | ₹14,41,200 | ₹17,66,058 | ₹23,092 |
| HX8 Petrol MT | ₹14,89,200 | ₹18,24,378 | ₹23,854 |
| HX8 Turbo Petrol MT | ₹16,29,200 | ₹19,94,478 | ₹26,078 |
| HX10 Petrol iVT | ₹17,16,200 | ₹21,00,183 | ₹27,460 |
| HX8 Turbo Petrol DCT | ₹17,63,200 | ₹21,57,288 | ₹28,207 |
| HX10 Turbo Petrol DCT | ₹18,26,200 | ₹22,33,833 | ₹29,208 |
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 Verna HX6 petrol at ₹13,20,200 ex-showroom in Karnataka:
| Component | Amount | Basis |
|---|---|---|
| Ex-showroom (Delhi) | ₹13,20,200 | Hyundai list price |
| Road tax (17%) | ₹2,24,434 | Karnataka slab for ₹10–20 lakh |
| Insurance (~3.5%) | ₹46,207 | First-year comprehensive (estimate) |
| TCS (1%) | ₹13,202 | Sec 206C(1F), price above ₹10 lakh |
| Registration, HSRP, FASTag | ₹15,000 | Estimate |
| On-road price | ₹16,19,043 |
Every Verna is above ₹10 lakh ex-showroom, so the 1% TCS applies across the range; it is creditable against your income tax, not lost. Insurance and registration are estimates that vary by city. Road tax is the largest variable cost and the reason the same Verna costs very different amounts across states.
How State Road Tax Changes Your Price
For the Verna HX6 petrol (₹13,20,200), road tax moves the on-road price by more than ₹1.8 lakh:
| State | Road tax | On-road price |
|---|---|---|
| Gujarat | 6% | ₹14,73,821 |
| West Bengal | 9% | ₹15,13,427 |
| Rajasthan | 9% | ₹15,13,427 |
| Delhi | 10% | ₹15,26,629 |
| Uttar Pradesh | 10% | ₹15,26,629 |
| Maharashtra | 12% | ₹15,53,033 |
| Kerala | 13% | ₹15,66,235 |
| Telangana | 14% | ₹15,79,437 |
| Karnataka | 17% | ₹16,19,043 |
| Tamil Nadu | 20% | ₹16,58,649 |
Gujarat's flat 6% makes it the cheapest place to register a Verna, while Tamil Nadu's 20% slab makes it the dearest — a gap of ₹1.85 lakh on the HX6. Drop two on-road figures into compare loans to see the EMI difference in one view.
Hyundai Verna EMI by Loan Tenure
For the Verna HX6 petrol at ₹16,19,043 on-road with 20% down (₹3,23,809), the loan is ₹12,95,234. At 9.5%:
| Tenure | EMI | Total interest |
|---|---|---|
| 5 years | ₹27,202 | ₹3,36,886 |
| 6 years | ₹23,670 | ₹4,09,006 |
| 7 years | ₹21,169 | ₹4,82,962 |
| 8 years | ₹19,313 | ₹5,58,814 |
Going from 5 to 8 years lowers the EMI by ₹7,889 but adds ₹2,21,928 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 Verna HX6 petrol (₹16,19,043 on-road), 7-year loan at 9.5%:
| Down payment | Loan amount | EMI | Total interest |
|---|---|---|---|
| 10% (₹1,61,904) | ₹14,57,139 | ₹23,815 | ₹5,43,321 |
| 20% (₹3,23,809) | ₹12,95,234 | ₹21,169 | ₹4,82,962 |
| 30% (₹4,85,713) | ₹11,33,330 | ₹18,523 | ₹4,22,602 |
A 30% down payment saves ₹1,20,719 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 Verna returns about 18 km/l on the 1.5 NA petrol and a little less on the turbo in everyday driving. At 12,000 km a year, that is roughly ₹63,000 in fuel for the NA engine. The Verna carries a long features and safety list — six airbags, ADAS on higher trims — which supports resale, though the turbo-DCT variants carry higher maintenance than the simpler NA manuals. Hyundai's service and parts costs run a little above the budget brands. Budget for insurance renewals and consumables (brakes, tyres) over your ownership period.
Is a Hyundai Verna 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 Verna HX6 EMI of ₹21,169 suggests a take-home income of roughly ₹1.1–1.4 lakh 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 Verna 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 midsize sedans? Compare the Honda City on-road and EMI guide.
Frequently Asked Questions
What is the on-road price of the Hyundai Verna in 2026?
For the HX6 petrol (₹13,20,200 ex-showroom), the on-road price is about ₹16,19,043 in Karnataka, including 17% road tax, insurance, 1% TCS and registration. The same variant ranges from roughly ₹14.74 lakh in Gujarat to ₹16.59 lakh in Tamil Nadu; the entry HX2 starts near ₹13.5 lakh on-road.
What is the EMI for a Hyundai Verna?
For the HX6 petrol on 20% down (₹3,23,809) and a 7-year loan at 9.5%, the EMI is ₹21,169 on a ₹12,95,234 loan. A 5-year tenure raises it to ₹27,202 but saves about ₹1.46 lakh in interest. Adjust the figures in the calculator above.
Is the turbo Verna worth the extra EMI?
The 160hp turbo adds roughly ₹3 lakh over the NA petrol at the top trims, raising the EMI by about ₹5,000 a month. It is the enthusiast's choice for performance; value buyers covering normal commutes are well served by the 1.5 NA HX6.
How much road tax does the Verna attract?
Between 6% (Gujarat) and 20% (Tamil Nadu) depending on the state; Karnataka levies 17% plus an 11% cess on the tax. Every Verna is above ₹10 lakh, so it also attracts 1% TCS everywhere.
Can I claim the 1% TCS back on a Verna?
Yes. The TCS under Section 206C(1F) appears in your Form 26AS and is adjusted against your income-tax liability or refunded when filing your return — it is not a permanent extra cost.
Is the Verna available in diesel?
No. The current Verna is petrol-only, with a 1.5 naturally aspirated engine and a 1.5 turbo. Both come with manual and automatic options (iVT for the NA, DCT for the turbo).
What is a sensible down payment for the Verna?
Around 20% balances a manageable EMI with reasonable savings retention. If you can stretch to 30%, you save about ₹1.21 lakh in interest over seven years compared with 10% down. Full financing maximises interest and is best avoided.
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