Toyota Fortuner is one of India’s most loved premium SUVs. With bold looks, strong road presence and a reliable 7-seater setup, it remains a popular choice for families and off-road lovers. If you are considering bringing home the Fortuner through a car loan, it’s essential to understand how much you will need to pay every month and your down payment.
In 2025, the starting ex-showroom price of the Fortuner is ₹35.37 lakh for the base 4×2 Petrol variant. The top model can go up to ₹51.94 lakh. However, when we calculate the on-road price in Delhi, including taxes, registration, and insurance, the base model costs around ₹40.88 lakh.
Minimum Down Payment You Need for Toyota Fortuner
Most banks offer up to 90% of the on-road price if you apply for a car loan. For the base Fortuner variant, that means a loan of about ₹36.87 lakh. So, you must arrange a minimum down payment of ₹4 lakh.
If you choose to pay a higher down payment, your monthly EMI will be reduced, and you may also save on overall interest costs.
Toyota Fortuner EMI Calculation Based on Loan Tenure
Let’s understand how much EMI you’ll need to pay depending on how many years you want the loan for. The calculations here assume an interest rate of 9.8% per annum (standard for car loans in 2025):
1. 4-Year Loan Plan
- Loan amount: ₹36.87 lakh
- Interest rate: 9.8%
- Monthly EMI: ₹93,179
2. 5-Year Loan Plan
- Loan amount: ₹36.87 lakh
- Interest rate: 9.8%
- Monthly EMI: ₹77,993
3. 6-Year Loan Plan
- Loan amount: ₹36.87 lakh
- Interest rate: 9%
- Monthly EMI: ₹67,949
4. 7-Year Loan Plan
- Loan amount: ₹36.87 lakh
- Interest rate: 9%
- Monthly EMI: ₹60,842
These EMI amounts are estimates and may vary slightly depending on the bank’s processing fee, insurance tie-ups, and final interest rate.
Things to Check Before Applying for a Car Loan
Before you apply for a loan to buy a Fortuner, make sure you:
- Read all loan documents carefully
- Compare interest rates from different banks
- Check for hidden charges like loan processing fees
- Consider making a higher down payment to save on interest
- Ensure your monthly income can support the EMI for the entire duration
Remember, while a long tenure reduces your monthly EMI, it increases the total interest cost over the years. Choose a plan that balances your monthly budget and total repayment.
Sources: Moneycontrol, Toyota India
Disclaimer: EMI amounts and loan offers may vary by bank and customer profile. Please consult with your loan provider before finalizing your decision.
