Maruti Ertiga EMI & On-Road Price 2026 — Variant & State Guide
Exact Maruti Ertiga on-road price and EMI by variant and state — road tax, insurance, TCS and monthly instalment, with a live calculator.
Key Takeaways
- The Ertiga ZXi (petrol, MT) at ₹10,96,500 ex-showroom comes to about ₹13,47,248 on-road in Karnataka (17% road tax), with insurance, 1% TCS and registration.
- On a 20% down payment (₹2,69,450) and a 7-year loan at 9.5%, that is an EMI of ₹17,616 on a ₹10,77,798 loan.
- Road tax swings the on-road price by about ₹1.54 lakh between Gujarat (₹12,26,633) and Tamil Nadu (₹13,80,143) for the same variant.
- Putting 30% down instead of 10% cuts total interest from ₹4,52,105 to ₹3,51,702 — a ₹1,00,403 saving over seven years.
The Maruti Ertiga is India's best-selling 7-seater MPV, the default choice for families and fleet buyers who want three usable rows without SUV pricing. But the price you pay at the showroom — 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 Ertiga 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 Ertiga
India's best-selling 7-seater MPV — 1.5 petrol 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 Ertiga Variant Prices (2026)
The Ertiga uses a 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 | ₹8,85,000 | ₹10,54,875 | ₹13,793 |
| VXi Petrol MT | ₹9,90,300 | ₹11,78,603 | ₹15,410 |
| VXi CNG | ₹10,86,300 | ₹13,34,855 | ₹17,453 |
| ZXi Petrol MT | ₹10,96,500 | ₹13,47,248 | ₹17,616 |
| VXi Petrol AT | ₹11,25,300 | ₹13,82,240 | ₹18,073 |
| ZXi Plus Petrol MT | ₹11,64,100 | ₹14,29,382 | ₹18,689 |
| ZXi CNG | ₹11,92,500 | ₹14,63,888 | ₹19,141 |
| ZXi Petrol AT | ₹12,31,500 | ₹15,11,273 | ₹19,760 |
| ZXi Plus Petrol AT | ₹12,99,100 | ₹15,93,407 | ₹20,834 |
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 Ertiga ZXi petrol at ₹10,96,500 ex-showroom in Karnataka:
| Component | Amount | Basis |
|---|---|---|
| Ex-showroom (Delhi) | ₹10,96,500 | Maruti list price |
| Road tax (17%) | ₹1,86,405 | Karnataka slab for ₹10–20 lakh |
| Insurance (~3.5%) | ₹38,378 | First-year comprehensive (estimate) |
| TCS (1%) | ₹10,965 | Sec 206C(1F), price above ₹10 lakh |
| Registration, HSRP, FASTag | ₹15,000 | Estimate |
| On-road price | ₹13,47,248 |
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. The entry LXi and VXi petrol stay below ₹10 lakh and so escape TCS while also sitting in Karnataka's 14% road-tax slab. Insurance and registration are estimates that vary by city. Road tax is the largest variable cost and the reason the same Ertiga costs very different amounts across states.
How State Road Tax Changes Your Price
For the Ertiga ZXi petrol (₹10,96,500), road tax moves the on-road price by more than ₹1.5 lakh:
| State | Road tax | On-road price |
|---|---|---|
| Gujarat | 6% | ₹12,26,633 |
| West Bengal | 9% | ₹12,59,528 |
| Rajasthan | 9% | ₹12,59,528 |
| Delhi | 10% | ₹12,70,493 |
| Uttar Pradesh | 10% | ₹12,70,493 |
| Maharashtra | 12% | ₹12,92,423 |
| Kerala | 13% | ₹13,03,388 |
| Telangana | 14% | ₹13,14,353 |
| Karnataka | 17% | ₹13,47,248 |
| Tamil Nadu | 20% | ₹13,80,143 |
Gujarat's flat 6% makes it the cheapest place to register an Ertiga, while Tamil Nadu's 20% slab makes it the dearest — a gap of ₹1.54 lakh on the ZXi petrol. Drop two on-road figures into compare loans to see the EMI difference in one view.
Maruti Ertiga EMI by Loan Tenure
For the Ertiga ZXi petrol at ₹13,47,248 on-road with 20% down (₹2,69,450), the loan is ₹10,77,798. At 9.5%:
| Tenure | EMI | Total interest |
|---|---|---|
| 5 years | ₹22,636 | ₹2,80,362 |
| 6 years | ₹19,696 | ₹3,40,314 |
| 7 years | ₹17,616 | ₹4,01,946 |
| 8 years | ₹16,071 | ₹4,65,018 |
Going from 5 to 8 years lowers the EMI by ₹6,565 but adds ₹1,84,656 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 Ertiga ZXi petrol (₹13,47,248 on-road), 7-year loan at 9.5%:
| Down payment | Loan amount | EMI | Total interest |
|---|---|---|---|
| 10% (₹1,34,725) | ₹12,12,523 | ₹19,817 | ₹4,52,105 |
| 20% (₹2,69,450) | ₹10,77,798 | ₹17,616 | ₹4,01,946 |
| 30% (₹4,04,174) | ₹9,43,074 | ₹15,414 | ₹3,51,702 |
A 30% down payment saves ₹1,00,403 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 Ertiga returns about 20 km/l on petrol and roughly 26 km/kg on CNG in everyday driving — excellent for a 7-seater. At 12,000 km a year, the petrol costs about ₹58,000 in fuel; the CNG variant can cut that by a third, making it the fleet and high-mileage favourite. Maruti's service network and low spare-parts costs keep ownership cheap, and the Ertiga holds resale value strongly thanks to constant taxi and family demand. Budget for insurance renewals and consumables (brakes, tyres) over your ownership period.
Is a Maruti Ertiga 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 Ertiga ZXi EMI of ₹17,616 suggests a take-home income of roughly ₹88,000–1.2 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 Ertiga 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 7-seaters? Compare the Maruti XL6 and Kia Carens on-road and EMI guides.
Frequently Asked Questions
What is the on-road price of the Maruti Ertiga in 2026?
For the ZXi petrol (₹10,96,500 ex-showroom), the on-road price is about ₹13,47,248 in Karnataka, including 17% road tax, insurance, 1% TCS and registration. The same variant ranges from roughly ₹12.3 lakh in Gujarat to ₹13.8 lakh in Tamil Nadu; the entry LXi starts near ₹10.55 lakh on-road.
What is the EMI for a Maruti Ertiga?
For the ZXi petrol on 20% down (₹2,69,450) and a 7-year loan at 9.5%, the EMI is ₹17,616 on a ₹10,77,798 loan. A 5-year tenure raises it to ₹22,636 but saves about ₹1.22 lakh in interest. Adjust the figures in the calculator above.
Is the Ertiga CNG worth it for a family?
The CNG adds roughly ₹96,000 ex-showroom and about ₹1,500 to the monthly EMI but can cut your fuel bill by a third — a strong case for families covering 1,500 km a month or more. The trade-off is reduced boot space behind the third row.
How much road tax does the Ertiga attract?
Between 6% (Gujarat) and 20% (Tamil Nadu) depending on the state and price slab; Karnataka levies 17% plus an 11% cess for variants above ₹10 lakh. The sub-₹10-lakh LXi and VXi fall into Karnataka's lower 14% slab.
Can I claim the 1% TCS back on an Ertiga?
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 Ertiga or XL6 better value on EMI?
The Ertiga is priced below the more premium XL6 for an equivalent trim, so its EMI is lower for the same loan terms. The XL6 adds captain seats and NEXA styling; if those matter, the EMI difference is modest — compare both in the calculator.
What is a sensible down payment for the Ertiga?
Around 20% balances a manageable EMI with reasonable savings retention. If you can stretch to 30%, you save about ₹1 lakh in interest over seven years compared with 10% down. Full financing maximises interest and is best avoided.
Try the calculator
Run your own numbers in seconds. Pick the calculator that fits your loan type.
Other Car Guides
On-road price and EMI for more models.