Tata Harrier: A Premium & Safe Mid-Size SUV

If you’re planning to buy a premium and stylish SUV in the mid-size category, the Tata Harrier is one of the most popular, safest, and feature-packed options in this segment. However, before buying the Harrier, it’s important to plan your budget, salary, and loan properly. So, let’s understand through a financial calculation how much monthly income you should ideally have to bring this SUV home.

The ex-showroom price of the Tata Harrier ranges from ₹14 lakh to ₹25.25 lakh. If you plan to buy its base Smart variant in Delhi, the on-road price will be around ₹16.87 lakh, which includes RTO and insurance charges.

To finance the base model of the Tata Harrier, you’ll need to make a minimum down payment of ₹3 lakh. After that, you will have to take a car loan of around ₹13.87 lakh. If your credit score is good and you get the loan at an interest rate of 9% for 5 years, your monthly EMI will come to around ₹29,000 . This calculation is based on the average car loan rates of 2025.

To buy a premium SUV like the Tata Harrier, which costs around ₹20–25 lakh, your monthly salary should ideally be between ₹80,000 and ₹1 lakh. Financial experts suggest that your car EMI should not exceed 40% of your salary, so that your other monthly expenses remain manageable. For example, if your monthly income is ₹1 lakh, then an EMI of up to ₹40,000 will be considered comfortable and financially safe. The Tata Harrier comes with a 2.0L Kryotec turbo-diesel engine that produces 170 PS of power and 350 Nm of torque. It is available with both 6-speed manual and automatic transmission options. This SUV can accelerate from 0 to 100 kmph in just 10 seconds. It offers stable performance on highways and smooth driving in city conditions. The ARAI-certified mileage is 14.6 kmpl for the manual variant and 16.8 kmpl for the automatic variant.

The Tata Harrier is equally impressive when it comes to safety. It has received a 5-star rating from Bharat NCAP (BNCAP). The SUV is equipped with Level-2 ADAS, 6 airbags, a 360° camera, and ESP (Electronic Stability Program).

Other premium features include a 10.25-inch touchscreen, panoramic sunroof, ventilated seats, JBL sound system, wireless charging, and connected car technology.

If you’re looking for a safe, premium, and feature-rich SUV within a monthly EMI budget of around ₹30,000, the Tata Harrier is one of the best value mid-size SUV options available. However, to comfortably manage the expenses, your net monthly salary should be at least ₹1 lakh or more.

Source:https://hindi.drivespark.com/four-wheelers/2025/tata-harrier-on-road-price-emi-and-salary-calculation-mileage-details-037783.html