The Maruti Suzuki Dzire’s EMI calculator says ₹12,382 a month. That is the loan. Add what it actually costs to put fuel in the tank and the real monthly number is ₹16,712, on The Spec’s own on-road and running-cost figures for the base LXi Petrol MT in Mumbai.
Search “maruti dzire emi per month” and the results are a dozen calculators that each quietly assume a different down payment and interest rate: one shows ₹10,297 a month, another ₹14,078, a third ₹15,066, none of them stating the loan terms clearly enough to compare. None of them add in fuel. A buyer working out whether the Dzire fits a monthly budget needs both numbers, on the same assumptions, in one place.
What the Dzire EMI Actually Is
On The Spec’d’s EMI figures, the cheapest Dzire, the LXi Petrol MT, comes to about ₹7.37 Lakh on the road in Mumbai. With 20% down over 5 years at 9.5% interest, the loan EMI works out to about ₹12,382 a month. Stretch the loan and the monthly number drops, but the total interest paid climbs.
| Tenure | Monthly EMI | Down payment |
| 3 years | ₹18,885 | 20% |
| 5 years | ₹12,382 | 20% |
| 7 years | ₹9,635 | 20% |
These are estimates, worked out at 9.5% interest on the Mumbai on-road price. Your bank’s actual rate will move the number up or down; confirm the final figure with your lender before you sign.
The Fuel Bill the Calculators Leave Out
An EMI is only half the monthly bill. On The Spec’d’s mileage page, the LXi Petrol MT’s claimed figure is 24.79 kmpl, worked out to ₹4,120 for every 1,000 km at Delhi pump prices. In Mumbai, where petrol costs more at ₹111.21 a litre, the same 1,000 km costs ₹4,330. These are ARAI lab figures; actual mileage in city traffic with the air-conditioning on will usually come in lower.
| Version | Claimed mileage | Cost per 1,000 km |
| Petrol, manual | 24.79 kmpl | ₹4,120 |
| Petrol, AMT automatic | 25.71 kmpl | ₹3,970 |
| CNG, manual | 33.73 km/kg | ₹2,580 |
| CNG, AMT automatic | 36.47 km/kg | ₹2,380 |
Figures at Delhi pump prices on 2 November 2026 (petrol ₹102.12/litre, CNG ₹86.98/kg), from The Spec’d’s own mileage calculator. A CNG Dzire at the same trim costs ₹81,000 to ₹91,000 more to buy but roughly a third less to fuel, every month, for as long as you own it.
The Real Monthly Number
Put the two together for a Mumbai buyer commuting a modest 1,000 km a month in the base LXi Petrol MT: ₹12,382 EMI (20% down, 5 years, 9.5% interest, on the ₹7.37 Lakh Mumbai on-road price) plus ₹4,330 in fuel (1,000 km at Mumbai’s ₹111.21-a-litre petrol price and the car’s 24.79 kmpl claimed mileage) comes to ₹16,712 a month. That excludes insurance renewal and servicing, which add further but smaller sums over the year.
The loan payment is the number every calculator shows you. The fuel bill is the number that actually changes what you can afford to drive.
Which Variant Is Actually Worth Buying
Our pick is the ZXi Petrol MT, at ₹8.28 Lakh ex-showroom and about ₹9.63 Lakh on the road in Mumbai. Over the VXi Petrol MT below it, it adds alloy wheels, automatic climate control and push-button start, for a sensible step up. The ZXi+ above it adds a sunroof, a 360-degree camera and cruise control for another ₹68,600, features most buyers will use rarely enough that the ZXi is the one to actually book.
| Variant | On-road, Mumbai | Adds over the version below |
| LXi Petrol MT | ₹7.37 Lakh | Base version |
| VXi Petrol MT | ₹8.48 Lakh | Touchscreen infotainment, rear camera |
| VXi Petrol AMT | ₹8.99 Lakh | 5-speed AMT automatic |
| ZXi Petrol MT (best value) | ₹9.63 Lakh | Alloy wheels, auto climate control, push-button start |
| ZXi+ Petrol MT | ₹10.42 Lakh | Sunroof, 360-degree camera, cruise control |
The Dzire’s closest rival on price is the Honda Amaze 2nd Gen, compared on-road here, which starts about ₹77,000 higher in Mumbai. Buyers cross-shopping the segment can also see every sedan under ₹10 lakh for how the Dzire’s starting price stacks up against the rest.
Frequently Asked Questions
What is the Maruti Suzuki Dzire’s EMI per month?
For the base LXi Petrol MT, on The Spec’d’s figures, it works out to about ₹12,382 a month over 5 years with 20% down and 9.5% interest, on the ₹7.37 Lakh on-road price in Mumbai. A shorter 3-year loan pushes that to about ₹18,885; a longer 7-year loan brings it down to about ₹9,635, with more interest paid overall.
Which Dzire variant should you actually buy?
The ZXi Petrol MT, at ₹8.28 Lakh ex-showroom. It adds alloy wheels, automatic climate control and push-button start over the VXi Petrol MT, without paying for the ZXi+’s sunroof and 360-degree camera that most owners will rarely use.
Is the Dzire CNG worth paying extra for?
At the same trim, the CNG version costs ₹81,000 to ₹91,000 more to buy than the petrol, but its running cost is roughly a third lower, ₹2,580 per 1,000 km on CNG against ₹4,120 on petrol at Delhi pump prices. A buyer who drives a lot will earn that premium back in fuel savings within two to three years; an occasional driver will not.
