Maruti Brezza EMI & On-Road Price 2026 — Variant & State Guide
Exact Maruti Brezza on-road price and EMI by variant and state — road tax, insurance, TCS and monthly instalment, with a live calculator.
Key Takeaways
- The Brezza ZXi (petrol, MT) at ₹10,39,900 ex-showroom comes to about ₹12,78,479 on-road in Karnataka (17% road tax), with insurance, 1% TCS and registration.
- On a 20% down payment (₹2,55,696) and a 7-year loan at 9.5%, that is an EMI of ₹16,716 on a ₹10,22,783 loan.
- Road tax swings the on-road price by about ₹1.46 lakh between Gujarat (₹11,64,090) and Tamil Nadu (₹13,09,676) for the same variant.
- Putting 30% down instead of 10% cuts total interest from ₹4,29,073 to ₹3,33,733 — a ₹95,340 saving over seven years.
The Maruti Brezza is India's best-selling sub-4-metre SUV, combining a tall stance, a refined 1.5 petrol and the country's widest service network. But the price you negotiate at the dealer — the on-road price — sits well above the ex-showroom figure Maruti 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 Brezza 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.
Maruti Suzuki Brezza
Best-selling compact SUV — 1.5 petrol with idle start-stop 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.
Maruti Brezza Variant Prices (2026)
The Brezza uses a single 1.5 petrol engine in manual and torque-converter automatic, 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) |
|---|---|---|---|
| LXi Petrol MT | ₹8,25,900 | ₹9,85,433 | ₹12,885 |
| LXi CNG | ₹9,16,900 | ₹10,92,358 | ₹14,283 |
| VXi Petrol MT | ₹9,25,900 | ₹11,02,933 | ₹14,421 |
| VXi CNG | ₹10,16,900 | ₹12,50,534 | ₹16,351 |
| ZXi Petrol MT | ₹10,39,900 | ₹12,78,479 | ₹16,716 |
| VXi Petrol AT | ₹10,59,900 | ₹13,02,779 | ₹17,034 |
| ZXi CNG | ₹11,30,900 | ₹13,89,044 | ₹18,162 |
| ZXi Plus Petrol MT | ₹11,50,900 | ₹14,13,344 | ₹18,480 |
| ZXi Plus Petrol AT | ₹12,85,900 | ₹15,77,369 | ₹20,624 |
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 Brezza ZXi petrol at ₹10,39,900 ex-showroom in Karnataka:
| Component | Amount | Basis |
|---|---|---|
| Ex-showroom (Delhi) | ₹10,39,900 | Maruti list price |
| Road tax (17%) | ₹1,76,783 | Karnataka slab for ₹10–20 lakh |
| Insurance (~3.5%) | ₹36,397 | First-year comprehensive (estimate) |
| TCS (1%) | ₹10,399 | Sec 206C(1F), price above ₹10 lakh |
| Registration, HSRP, FASTag | ₹15,000 | Estimate |
| On-road price | ₹12,78,479 |
The 1% TCS is triggered because the ZXi and higher trims cross ₹10 lakh ex-showroom; it is creditable against your income tax, not lost. Note that the cheaper LXi and base VXi stay below ₹10 lakh and so escape TCS — and also fall into Karnataka's 14% road-tax slab rather than 17%, a double saving. Insurance and registration are estimates that vary by city. Road tax is the largest variable cost and the reason the same Brezza costs very different amounts across states.
How State Road Tax Changes Your Price
For the Brezza ZXi petrol (₹10,39,900), road tax moves the on-road price by more than ₹1.4 lakh:
| State | Road tax | On-road price |
|---|---|---|
| Gujarat | 6% | ₹11,64,090 |
| West Bengal | 9% | ₹11,95,287 |
| Rajasthan | 9% | ₹11,95,287 |
| Delhi | 10% | ₹12,05,686 |
| Uttar Pradesh | 10% | ₹12,05,686 |
| Maharashtra | 12% | ₹12,26,484 |
| Kerala | 13% | ₹12,36,883 |
| Telangana | 14% | ₹12,47,282 |
| Karnataka | 17% | ₹12,78,479 |
| Tamil Nadu | 20% | ₹13,09,676 |
Gujarat's flat 6% makes it the cheapest place to register a Brezza, while Tamil Nadu's 20% slab makes it the dearest — a gap of ₹1.46 lakh on the ZXi petrol. Drop two on-road figures into compare loans to see the EMI difference in one view.
Maruti Brezza EMI by Loan Tenure
For the Brezza ZXi petrol at ₹12,78,479 on-road with 20% down (₹2,55,696), the loan is ₹10,22,783. At 9.5%:
| Tenure | EMI | Total interest |
|---|---|---|
| 5 years | ₹21,480 | ₹2,66,017 |
| 6 years | ₹18,691 | ₹3,22,969 |
| 7 years | ₹16,716 | ₹3,81,361 |
| 8 years | ₹15,251 | ₹4,41,313 |
Going from 5 to 8 years lowers the EMI by ₹6,229 but adds ₹1,75,296 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 Brezza ZXi petrol (₹12,78,479 on-road), 7-year loan at 9.5%:
| Down payment | Loan amount | EMI | Total interest |
|---|---|---|---|
| 10% (₹1,27,848) | ₹11,50,631 | ₹18,806 | ₹4,29,073 |
| 20% (₹2,55,696) | ₹10,22,783 | ₹16,716 | ₹3,81,361 |
| 30% (₹3,83,544) | ₹8,94,935 | ₹14,627 | ₹3,33,733 |
A 30% down payment saves ₹95,340 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 Brezza returns about 17 km/l on petrol and roughly 25 km/kg on CNG in everyday driving. At 12,000 km a year, the petrol costs about ₹68,000 in fuel; the CNG variant can cut that by a third or more, though it sacrifices boot space to the cylinder. Maruti's service costs are among the lowest in the segment and resale value is strong. The torque-converter automatic adds a modest maintenance premium over the manual but is far smoother than a typical AMT. Budget for insurance renewals and consumables (brakes, tyres) over your ownership period.
Is a Maruti Brezza 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 Brezza ZXi EMI of ₹16,716 suggests a take-home income of roughly ₹85,000–1.1 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 Maruti Brezza 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 compact SUVs? Compare the Tata Nexon and Maruti Fronx on-road and EMI guides.
Frequently Asked Questions
What is the on-road price of the Maruti Brezza in 2026?
For the ZXi petrol (₹10,39,900 ex-showroom), the on-road price is about ₹12,78,479 in Karnataka, including 17% road tax, insurance, 1% TCS and registration. The same variant ranges from roughly ₹11.6 lakh in Gujarat to ₹13.1 lakh in Tamil Nadu; the entry LXi starts near ₹9.85 lakh on-road.
What is the EMI for a Maruti Brezza?
For the ZXi petrol on 20% down (₹2,55,696) and a 7-year loan at 9.5%, the EMI is ₹16,716 on a ₹10,22,783 loan. A 5-year tenure raises it to ₹21,480 but saves about ₹1.15 lakh in interest. Adjust the figures in the calculator above.
Which Brezza variants avoid the 1% TCS?
The LXi (₹8,25,900) and base VXi (₹9,25,900) petrol trims stay below the ₹10 lakh ex-showroom threshold, so no TCS under Section 206C(1F) is collected. They also fall into Karnataka's lower 14% road-tax slab, making them noticeably cheaper to register.
How much road tax does the Brezza attract?
Between 6% (Gujarat) and 20% (Tamil Nadu) depending on the state and price slab; Karnataka levies 17% plus an 11% cess on the tax for variants above ₹10 lakh.
Is the Brezza CNG worth the extra cost on EMI?
The CNG adds about ₹90,000 ex-showroom and roughly ₹1,500 to the monthly EMI, but it can cut your fuel bill by a third. High-mileage city users recover the premium in two to three years; occasional drivers who value boot space may prefer the petrol.
Can I claim the 1% TCS back on a Brezza?
Yes. The TCS appears in your Form 26AS and is adjusted against your income-tax liability or refunded when you file your return — it is not an additional permanent cost.
What is a sensible down payment for the Brezza?
Around 20% balances a manageable EMI with reasonable savings retention. If you can stretch to 30%, you save about ₹95,000 in interest over seven years compared with 10% down. Full financing maximises interest and is best avoided.
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