Maruti Jimny EMI & On-Road Price 2026 — Variant & State Guide
Exact Maruti Jimny on-road price and EMI by variant and state — road tax, insurance, TCS and monthly instalment, with a live calculator.
Key Takeaways
- The Jimny Alpha (petrol, MT, 4x4) at ₹13,30,700 ex-showroom comes to about ₹16,31,801 on-road in Karnataka (17% road tax), with insurance, 1% TCS and registration.
- On a 20% down payment (₹3,26,360) and a 7-year loan at 9.5%, that is an EMI of ₹21,336 on a ₹13,05,441 loan.
- Road tax swings the on-road price by about ₹1.86 lakh between Gujarat (₹14,85,424) and Tamil Nadu (₹16,71,722) for the same variant.
- Putting 30% down instead of 10% cuts total interest from ₹5,47,631 to ₹4,25,935 — a ₹1,21,696 saving over seven years.
The Maruti Jimny is the only affordable, factory-built ladder-frame 4x4 in its price band — a genuine off-roader with the AllGrip Pro low-range transfer case rather than a soft-roader SUV. 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 Jimny 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 Jimny
Lifestyle 4x4 off-roader — AllGrip Pro and a 1.5 petrol.
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 Jimny Variant Prices (2026)
Every Jimny is 4x4 with a 1.5 petrol engine, offered in Zeta and Alpha trims with manual and torque-converter automatic gearboxes. 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) |
|---|---|---|---|
| Zeta Petrol MT | ₹12,39,000 | ₹15,20,385 | ₹19,879 |
| Alpha Petrol MT | ₹13,30,700 | ₹16,31,801 | ₹21,336 |
| Zeta Petrol AT | ₹13,45,000 | ₹16,49,175 | ₹21,563 |
| Alpha DT Petrol MT | ₹13,46,100 | ₹16,50,512 | ₹21,581 |
| Alpha Petrol AT | ₹14,36,700 | ₹17,60,591 | ₹23,020 |
| Alpha DT Petrol AT | ₹14,52,100 | ₹17,79,302 | ₹23,265 |
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 Jimny Alpha petrol at ₹13,30,700 ex-showroom in Karnataka:
| Component | Amount | Basis |
|---|---|---|
| Ex-showroom (Delhi) | ₹13,30,700 | Maruti list price |
| Road tax (17%) | ₹2,26,219 | Karnataka slab for ₹10–20 lakh |
| Insurance (~3.5%) | ₹46,575 | First-year comprehensive (estimate) |
| TCS (1%) | ₹13,307 | Sec 206C(1F), price above ₹10 lakh |
| Registration, HSRP, FASTag | ₹15,000 | Estimate |
| On-road price | ₹16,31,801 |
The 1% TCS applies because every Jimny is above ₹10 lakh ex-showroom; it is creditable against your income tax, not lost. Insurance and registration are estimates that vary by city and the add-ons you choose. Road tax is the largest variable cost and the reason the same Jimny costs very different amounts across states.
How State Road Tax Changes Your Price
For the Jimny Alpha petrol (₹13,30,700), road tax moves the on-road price by more than ₹1.8 lakh:
| State | Road tax | On-road price |
|---|---|---|
| Gujarat | 6% | ₹14,85,424 |
| West Bengal | 9% | ₹15,25,345 |
| Rajasthan | 9% | ₹15,25,345 |
| Delhi | 10% | ₹15,38,652 |
| Uttar Pradesh | 10% | ₹15,38,652 |
| Maharashtra | 12% | ₹15,65,266 |
| Kerala | 13% | ₹15,78,573 |
| Telangana | 14% | ₹15,91,880 |
| Karnataka | 17% | ₹16,31,801 |
| Tamil Nadu | 20% | ₹16,71,722 |
Gujarat's flat 6% makes it the cheapest place to register a Jimny, while Tamil Nadu's 20% slab makes it the dearest — a gap of ₹1.86 lakh on the Alpha. Drop two on-road figures into compare loans to see the EMI difference in one view.
Maruti Jimny EMI by Loan Tenure
For the Jimny Alpha petrol at ₹16,31,801 on-road with 20% down (₹3,26,360), the loan is ₹13,05,441. At 9.5%:
| Tenure | EMI | Total interest |
|---|---|---|
| 5 years | ₹27,417 | ₹3,39,579 |
| 6 years | ₹23,857 | ₹4,12,263 |
| 7 years | ₹21,336 | ₹4,86,783 |
| 8 years | ₹19,465 | ₹5,63,199 |
Going from 5 to 8 years lowers the EMI by ₹7,952 but adds ₹2,23,620 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 Jimny Alpha petrol (₹16,31,801 on-road), 7-year loan at 9.5%:
| Down payment | Loan amount | EMI | Total interest |
|---|---|---|---|
| 10% (₹1,63,180) | ₹14,68,621 | ₹24,003 | ₹5,47,631 |
| 20% (₹3,26,360) | ₹13,05,441 | ₹21,336 | ₹4,86,783 |
| 30% (₹4,89,540) | ₹11,42,261 | ₹18,669 | ₹4,25,935 |
A 30% down payment saves ₹1,21,696 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 Jimny returns about 16 km/l in mixed driving — modest, because the permanent 4x4 hardware and tall, boxy body add weight and drag. There is no diesel or CNG option, so plan your fuel budget around petrol: roughly ₹73,000 a year at 12,000 km. Maintenance is reasonable for a Maruti and the ladder-frame mechanicals are simple and durable, but the Jimny's appeal is recreational — its resale value is buoyed by genuine off-road capability and limited supply. Budget for chunkier off-road tyres, insurance renewals and consumables over your ownership period.
Is a Maruti Jimny 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 Jimny Alpha EMI of ₹21,336 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 Maruti Jimny 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 a 4x4? Compare the Mahindra Thar on-road and EMI guide.
Frequently Asked Questions
What is the on-road price of the Maruti Jimny in 2026?
For the Alpha petrol (₹13,30,700 ex-showroom), the on-road price is about ₹16,31,801 in Karnataka, including 17% road tax, insurance, 1% TCS and registration. The same variant ranges from roughly ₹14.85 lakh in Gujarat to ₹16.72 lakh in Tamil Nadu; the Zeta starts near ₹15.2 lakh on-road.
What is the EMI for a Maruti Jimny?
For the Alpha petrol on 20% down (₹3,26,360) and a 7-year loan at 9.5%, the EMI is ₹21,336 on a ₹13,05,441 loan. A 5-year tenure raises it to ₹27,417 but saves about ₹1.47 lakh in interest. Adjust the figures in the calculator above.
Is the Jimny available in diesel or automatic?
There is no diesel option — every Jimny uses the 1.5 petrol. An automatic (torque converter) is offered on both Zeta and Alpha trims and adds roughly ₹1.06 lakh ex-showroom over the manual, raising the EMI by about ₹1,700 a month.
How much road tax does the Jimny 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. Every Jimny crosses ₹10 lakh, so it also attracts 1% TCS everywhere.
Is the Jimny a real off-roader or a soft-roader?
It is a genuine ladder-frame 4x4 with AllGrip Pro low-range gearing and locking-style traction control — far more capable off-road than monocoque SUVs in its price band. That capability is also why it returns lower mileage on the highway.
Can I claim the 1% TCS back on a Jimny?
Yes. The TCS under Section 206C(1F) shows in your Form 26AS and is adjusted against your income-tax liability or refunded when you file your return — it is not a permanent extra cost.
What is a sensible down payment for the Jimny?
Around 20% balances a manageable EMI with reasonable savings retention. If you can stretch to 30%, you save about ₹1.22 lakh in interest over seven years compared with 10% down. Full financing maximises interest and is best avoided.
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