Maruti Grand Vitara EMI & On-Road Price 2026 — Variant Guide
Exact Maruti Grand Vitara on-road price and EMI by variant and state — road tax, insurance, TCS and monthly instalment, with a live calculator.
Key Takeaways
- The Grand Vitara Zeta (petrol, MT) at ₹13,75,000 ex-showroom comes to about ₹16,85,625 on-road in Karnataka (17% road tax), with insurance, 1% TCS and registration.
- On a 20% down payment (₹3,37,125) and a 7-year loan at 9.5%, that is an EMI of ₹22,040 on a ₹13,48,500 loan.
- Road tax swings the on-road price by about ₹1.92 lakh between Gujarat (₹15,34,375) and Tamil Nadu (₹17,26,875).
- Putting 30% down instead of 10% cuts total interest from ₹5,65,718 to ₹4,40,003 — a ₹1,25,715 saving over seven years.
The Maruti Grand Vitara is a midsize SUV with a genuine strong-hybrid option, a CNG variant and AllGrip AWD — a rare spread in its class. The hybrid headlines its efficiency, but whichever variant you pick, the on-road price runs well above the ex-showroom figure once road tax, insurance, 1% TCS and registration are added. This guide breaks down the exact on-road price and EMI for every popular Grand Vitara variant, lets you model your own numbers in the calculator below, and shows how your registration state changes the bill. 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 Suzuki Grand Vitara
Midsize SUV with strong-hybrid, CNG and AllGrip AWD options.
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 Grand Vitara Variant Prices (2026)
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) |
|---|---|---|---|
| Sigma Petrol MT | ₹10,76,500 | ₹13,22,948 | ₹17,298 |
| Delta Petrol MT | ₹12,14,700 | ₹14,90,861 | ₹19,493 |
| Delta CNG | ₹12,99,700 | ₹15,94,136 | ₹20,844 |
| Delta Petrol AT | ₹13,49,700 | ₹16,54,886 | ₹21,638 |
| Zeta Petrol MT | ₹13,75,000 | ₹16,85,625 | ₹22,040 |
| Zeta CNG | ₹14,60,000 | ₹17,88,900 | ₹23,390 |
| Alpha Petrol MT | ₹15,24,700 | ₹18,67,511 | ₹24,418 |
| Zeta+ Hybrid CVT | ₹17,96,600 | ₹21,97,869 | ₹28,738 |
| Alpha AWD AT | ₹18,04,700 | ₹22,07,711 | ₹28,866 |
| Alpha+ Hybrid CVT | ₹19,55,200 | ₹23,90,568 | ₹31,257 |
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 Grand Vitara Zeta petrol at ₹13,75,000 ex-showroom in Karnataka:
| Component | Amount | Basis |
|---|---|---|
| Ex-showroom (Delhi) | ₹13,75,000 | Maruti list price |
| Road tax (17%) | ₹2,33,750 | Karnataka slab for ₹10–20 lakh |
| Insurance (~3.5%) | ₹48,125 | First-year comprehensive (estimate) |
| TCS (1%) | ₹13,750 | Sec 206C(1F), price above ₹10 lakh |
| Registration, HSRP, FASTag | ₹15,000 | Estimate |
| On-road price | ₹16,85,625 |
The 1% TCS applies because the ex-showroom price is above ₹10 lakh; it is creditable against your income tax. The strong-hybrid variants attract the same percentage road tax — there is no separate hybrid road-tax concession in most states — so they carry the highest on-road prices in the range.
How State Road Tax Changes Your Price
For the Grand Vitara Zeta petrol (₹13,75,000):
| State | Road tax | On-road price |
|---|---|---|
| Gujarat | 6% | ₹15,34,375 |
| West Bengal | 9% | ₹15,75,625 |
| Rajasthan | 9% | ₹15,75,625 |
| Uttar Pradesh | 10% | ₹15,89,375 |
| Delhi | 10% | ₹15,89,375 |
| Maharashtra | 12% | ₹16,16,875 |
| Kerala | 13% | ₹16,30,625 |
| Telangana | 14% | ₹16,44,375 |
| Karnataka | 17% | ₹16,85,625 |
| Tamil Nadu | 20% | ₹17,26,875 |
About ₹1.92 lakh separates Gujarat from Tamil Nadu on the Zeta petrol. Compare two on-road figures in compare loans.
Maruti Grand Vitara EMI by Loan Tenure
For the Grand Vitara Zeta petrol at ₹16,85,625 on-road with 20% down (₹3,37,125), the loan is ₹13,48,500. At 9.5%:
| Tenure | EMI | Total interest |
|---|---|---|
| 5 years | ₹28,321 | ₹3,50,760 |
| 6 years | ₹24,643 | ₹4,25,796 |
| 7 years | ₹22,040 | ₹5,02,860 |
| 8 years | ₹20,107 | ₹5,81,772 |
From 5 to 8 years the EMI drops by ₹8,214 but interest rises by ₹2,31,012. 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 Grand Vitara Zeta petrol (₹16,85,625 on-road), 7-year loan at 9.5%:
| Down payment | Loan amount | EMI | Total interest |
|---|---|---|---|
| 10% (₹1,68,563) | ₹15,17,062 | ₹24,795 | ₹5,65,718 |
| 20% (₹3,37,125) | ₹13,48,500 | ₹22,040 | ₹5,02,860 |
| 30% (₹5,05,688) | ₹11,79,937 | ₹19,285 | ₹4,40,003 |
A 30% down payment saves ₹1,25,715 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 Grand Vitara returns about 21 km/l on the mild-hybrid petrol, roughly 27 km/l on the strong hybrid and around 26 km/kg on CNG. The strong-hybrid Zeta+ costs about ₹2 lakh more on-road than the petrol Zeta — adding nearly ₹6,700 to the monthly EMI — but its efficiency and lower fuel bills narrow the gap over years of high-mileage use. Maruti's wide service network keeps maintenance affordable, and the hybrid's battery is covered by an extended warranty. If you are weighing a hybrid or electrified option, our EV loan guide covers the financing and tax angle.
Is a Grand Vitara EMI Affordable for You?
Keep total EMIs under 50% of take-home pay and the car EMI within 15–20%. The Zeta petrol EMI of ₹22,040 implies a take-home income of roughly ₹1.1–1.5 lakh a month for comfort. Check the loan eligibility calculator and read how much EMI you can afford. A CIBIL score above 750 earns the best rate — see CIBIL score and loan interest rate.
How to Get the Best Grand Vitara Loan Deal
- Negotiate the on-road price with an itemised breakup of insurance and accessories.
- Check your CIBIL score and benchmark against current loan rates.
- Compare bank vs dealer finance in compare loans.
- Choose the shortest comfortable tenure.
- Prepay annually — see the prepayment calculator.
Finance or cash? Read car loan vs outright purchase. Cross-shopping? Compare its mechanical twin, the Toyota Urban Cruiser Hyryder, and the Hyundai Creta guides.
Frequently Asked Questions
What is the on-road price of the Maruti Grand Vitara in 2026?
For the Zeta petrol (₹13,75,000 ex-showroom), the on-road price is about ₹16,85,625 in Karnataka, including 17% road tax, insurance, 1% TCS and registration. It ranges from roughly ₹15.3 lakh in Gujarat to ₹17.3 lakh in Tamil Nadu; the strong-hybrid Alpha+ tops the range near ₹23.9 lakh on-road.
What is the EMI for a Maruti Grand Vitara?
For the Zeta petrol on 20% down (₹3,37,125) and a 7-year loan at 9.5%, the EMI is ₹22,040 on a ₹13,48,500 loan. A 5-year tenure raises it to ₹28,321 but saves about ₹1.52 lakh in interest.
Is the Grand Vitara strong hybrid worth the higher EMI?
The strong hybrid costs about ₹2 lakh more on-road, adding roughly ₹6,700 to the monthly EMI, but returns around 27 km/l. It makes financial sense for high-mileage owners who keep the car many years; for moderate use, the mild-hybrid petrol or CNG is the cheaper overall choice.
Does the Grand Vitara pay 1% TCS?
Yes, on variants above ₹10 lakh ex-showroom (most of the range) under Section 206C(1F). The TCS is creditable against your income-tax liability and refundable when you file your return.
How much road tax does the Grand Vitara attract?
Between 6% (Gujarat) and 20% (Tamil Nadu) for the ₹10–20 lakh slab; Karnataka charges 17% plus an 11% cess on the tax. Hybrids do not get a road-tax discount in most states.
How can I lower my Grand Vitara EMI?
Increase the down payment, choose a longer tenure, prepay principal early without penalty on a floating-rate loan, or refinance if rates fall. The prepayment calculator quantifies the savings.
What down payment is best for the Grand Vitara?
About 20% balances EMI and savings. A 30% down payment saves around ₹1.26 lakh in interest over seven years versus 10% down. Avoid full financing, which maximises interest.
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