Maruti Dzire EMI & On-Road Price 2026 — Variant & State Guide

Key Takeaways

• The Dzire ZXI (petrol, MT) at ₹8,27,700 ex-showroom comes to about ₹9,87,548 on-road in Karnataka (14% road tax), with no TCS as it is under ₹10 lakh.
• On a 20% down payment (₹1,97,510) and a 7-year loan at 9.5%, that is an EMI of ₹12,912 on a ₹7,90,038 loan.
• Road tax swings the on-road price by about ₹66,000 between Gujarat (₹9,21,332) and Karnataka (₹9,87,548).
• Putting 30% down instead of 10% cuts total interest from ₹3,31,391 to ₹2,57,748 — a ₹73,643 saving over seven years.

The Maruti Dzire is India's best-selling compact sedan, popular with families and fleet buyers alike for its space, efficiency and rock-bottom running costs. Priced under ₹10 lakh across the range, it avoids the 1% TCS — but road tax, insurance and registration still add 18–20% over the ex-showroom price. This guide details the exact on-road price and EMI for every popular Dzire variant, lets you model your own numbers in the calculator below, and shows the state-by-state difference. Ex-showroom prices were verified in September 2026 (ex-showroom Delhi) and state road-tax rates against current 2026 RTO slabs — small state cesses may apply on top.

Maruti Dzire Variant Prices (2026)

The Dzire runs a 1.2 petrol with manual and AMT options plus a factory CNG. Ex-showroom Delhi prices, the Karnataka on-road price and the indicative EMI (20% down, 7 years at 9.5%):

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 Dzire ZXI petrol at ₹8,27,700 ex-showroom in Karnataka:

The whole Dzire range sits under ₹10 lakh, so no 1% TCS applies — keeping its on-road premium modest, which is a big part of its appeal to value buyers.

How State Road Tax Changes Your Price

For the Dzire ZXI petrol (₹8,27,700):

About ₹66,000 separates the cheapest (Gujarat) and dearest (Karnataka) registration for the ZXI petrol. Compare two on-road figures in compare loans.

Maruti Dzire EMI by Loan Tenure

For the Dzire ZXI petrol at ₹9,87,548 on-road with 20% down (₹1,97,510), the loan is ₹7,90,038. At 9.5%:

From 5 to 8 years the EMI drops by ₹4,812 but interest rises by ₹1,35,360. See flat vs reducing balance interest and model tenures on the car loan EMI calculator.

Down Payment: How Much Should You Put Down?

For the Dzire ZXI petrol (₹9,87,548 on-road), 7-year loan at 9.5%:

A 30% down payment saves ₹73,643 in interest versus 10%. An early prepayment achieves similar savings — see the prepayment calculator; floating-rate loans carry no penalty under RBI rules.

Running and Ownership Costs

The Dzire is exceptionally efficient — about 24–25 km/l on petrol and roughly 33 km/kg on CNG, among the best of any car sold in India. The CNG variant adds around ₹2,000–2,500 to the monthly EMI but the per-km running cost is the lowest in the segment, making it the default choice for high-mileage and fleet buyers. Maruti's service costs and spares are cheap, and Dzire resale value is consistently strong.

Is a Maruti Dzire EMI Affordable for You?

Keep total EMIs under 50% of take-home pay and the car EMI within 15–20%. The Dzire ZXI EMI of ₹12,912 implies a take-home income of about ₹65,000–₹86,000 a month for comfort. Check the loan eligibility calculator and read how much EMI you can afford. Your rate depends on your credit score — see CIBIL score and loan interest rate.

How to Get the Best Maruti Dzire Loan Deal

1. Negotiate the on-road price with an itemised breakup.
2. Check your CIBIL score and benchmark against current loan rates.
3. Compare bank vs dealer finance in compare loans.
4. Choose the shortest comfortable tenure.
5. Prepay annually — see the prepayment calculator.

Finance or cash? Read car loan vs outright purchase. Cross-shopping? Compare the Maruti Baleno and Tata Punch guides.

Frequently Asked Questions

What is the on-road price of the Maruti Dzire in 2026?

For the ZXI petrol (₹8,27,700 ex-showroom), the on-road price is about ₹9,87,548 in Karnataka, including 14% road tax, insurance and registration, with no TCS. It ranges from roughly ₹9.2 lakh in Gujarat to ₹9.9 lakh in Karnataka; the entry LXI starts near ₹7.6 lakh on-road.

What is the EMI for a Maruti Dzire?

For the ZXI petrol on 20% down (₹1,97,510) and a 7-year loan at 9.5%, the EMI is ₹12,912 on a ₹7,90,038 loan. A 5-year tenure raises it to ₹16,592 but saves about ₹89,000 in interest.

Is the Dzire CNG worth it on EMI?

The CNG variant adds roughly ₹2,000–2,500 to the monthly EMI but offers the lowest per-km running cost of any Dzire. For drivers covering 1,000+ km a month it pays back the premium within two years — which is why it dominates fleet and high-mileage use.

Does the Dzire pay 1% TCS?

No. Every Dzire variant is priced below ₹10 lakh ex-showroom, so the 1% TCS under Section 206C(1F) — which applies only above that threshold — is not charged.

How much road tax does the Dzire attract?

Between 6% (Gujarat) and 14% (Karnataka). As a petrol/CNG compact sedan under ₹10 lakh, it avoids diesel surcharges and the higher SUV slabs.

How can I lower my Dzire EMI?

Increase the down payment, choose a longer tenure, prepay principal early without penalty, or refinance if rates fall. The prepayment calculator shows the interest saved.

What down payment is best for the Dzire?

About 20% keeps the EMI low while preserving savings. A 30% down payment saves around ₹73,643 in interest over seven years versus 10% down. Avoid full financing.