There are a lot of wonderful little hatchbacks in India, such as the new Maruti Celerio and the previous Maruti Swift. People who don’t have a lot of money pick cars that are easy to service, get decent gas mileage, and are reliable. Maruti Suzuki makes both types of cars.
The Maruti Celerio is a new hatchback that came out in 2017 for folks who are just starting off. It looks different, has a stronger engine, the newest technology, and more safety features. People who are buying their first car or families who need a practical city car should definitely consider this one. It’s cheap, easy to drive, and has a lot of room inside. It has a small 998cc petrol engine that works well, so it doesn’t cost much to drive.
A used Maruti Swift, on the other hand, looks sportier, drives better, and has a nicer inside. The Swift is a better choice if you want something more stylish and fun. It has a bigger engine (1,197 cc), more power, and more comfort and convenience features, such as smart electronics, soft seats, and climate control. Buying a used car can save you money and get you more car for your money, but things like mileage, condition, and warranty become more important.
People who are considering these two options are probably doing so because of the money. The Celerio is a new car that comes with a warranty, peace of mind, and lower costs over time. You might be able to find a used Swift that costs less and has more features that make it more fun to drive. But it might also need repairs more often and not be covered by the warranty as much.
This article will help you pick the best hatchback for your needs, budget, and lifestyle by talking about the pros and cons of each car. It will also help you choose the best financial option for your situation.
New Maruti Celerio: A Quick Overview
Even though it got a new look in 2025, the Maruti Celerio is still the best, safest, and most fuel-efficient car for driving in the city. The 1.0L DualJet petrol engine makes about 67 PS and 89 Nm of torque, and it runs very smoothly. If you want to buy a used 2022 Maruti Swift ZXI Plus, you might need to borrow less money, but the amount you borrow and the monthly payments might be about the same, depending on what the buyer and seller agree on.
It has a 7-inch SmartPlay touchscreen entertainment system (Android Auto and Apple CarPlay), keyless entry, a push-button start, and a lot of space inside. The 2025 facelift adds six airbags (front, side, and curtain), ABS with EBD, Hill Hold Assist, and ESC to the AMT models. It also has strong, high-tensile steel to keep you safe in crashes.
The Maruti Celerio 2025 facelift is a good choice for people who want a reliable, affordable city car with modern features and peace of mind. The base and top-end trims are both reasonably priced, and the car has useful features that make it safer.
Key Updates of New Maruti Celerio
- Adding 6 standard airbags to all models (front, side, and curtain) makes them far safer than the prior 2 airbags.
- All passengers must wear three-point seatbelts, which include pre-tensioners and force limiters for the front seatbelt.
- Adding Electronic Stability Program (ESP) and Hill Hold Assist for enhanced safety and handling.
- More safety features, such as reminders to wear your seatbelt and sensors that help you park in reverse.
- Updates to the outside include a more aggressive front grille, sharp headlights, new tail lights, and new alloy wheels.
- The Pearl Midnight Black colour option has been replaced with a new Pearl Bluish Black shade.
- The boot room has gotten a little bigger, but it’s still 21 litres smaller than the last version.
- The curb weight can go up by as much as 10 kg because of the extra safety features.
- Some versions have a little less mileage because they are heavier and have more features.
- The price goes up from Rs 16,000 to Rs 32,500, depending on the model.
| Car Variant | Transmission | Price (Ex-Showroom, Delhi) |
| Celerio LXI | Manual (5MT) | INR 5.37 Lakh |
| Celerio VXI | Manual (5MT) | INR 5.83 Lakh |
| Celerio VXI AMT | AMT (5AGS) | INR 6.38 Lakh |
| Celerio ZXI | Manual (5MT) | INR 6.22 Lakh |
| Celerio ZXI AMT | AMT (5AGS) | INR 6.77 Lakh |
| Celerio ZXI+ | Manual (5MT) | INR 6.72 Lakh |
| Celerio ZXI+ AMT | AMT (5AGS) | INR 7.15 Lakh |
Used Maruti Swift: A Quick Overview
The Maruti Swift has been on the Indian hatchback market for more than 20 years since it came out in 2005. Since it came out, it has become one of the most well-known and loved small cars in the country. Over the last 20 years, the Swift has changed a lot. The Maruti Swift has been on the Indian hatchback market for more than 20 years, since it came out in 2005. It has become one of the most popular and well-known small cars in the country since it came out. The Swift has changed a lot in the last 20 years. It has gone through two big changes and four generations. These changes have helped the car keep up with new styles and tastes in cars while still looking sporty and being fun to drive.
The first Swift had a 1.3-litre petrol engine, and it quickly became popular because it looked good and was fun to drive. A diesel version with a Fiat-sourced 1.3-litre turbocharged diesel engine came out in 2007. This helped sales and made it even more popular. Over the years, the model reached important sales goals, like selling 1 lakh units by 2007 and then more than 30 lakh units by 2025.
The different versions of the Swift made the car better by making the bodywork lighter, the ride more comfortable, the safety features better, and the infotainment systems more modern. The new Z-Series engine in the fourth generation, which came out in 2024, uses less petrol and has a design that is easier to understand. The car now has a big share of the market in its field, making up more than 10% of Maruti Suzuki India’s sales.
| Production Year | Transmission | Average Price of Used Car (INR) |
| 2015 | Manual | INR 3.5 Lakh to 4.5 Lakh |
| 2016 | Manual / AMT | INR 3.8 Lakh to 4.8 Lakh |
| 2017 | Manual / AMT | INR 4.2 Lakh to INR 5.2 Lakh |
| 2018 | Manual / AMT | INR 4.8 Lakh to INR 6.0 Lakh |
| 2019 | Manual / AMT | INR 5.2 Lakh to INR 6.5 Lakh |
| 2020 | Manual / AMT | INR 5.8 Lakh to INR 7.0 Lakh |
| 2021 | Manual / AMT | INR 6.5 Lakh to INR 7.8 Lakh |
| 2022 | Manual / AMT | INR 7.0 Lakh to INR 8.2 Lakh |
| 2023 | Manual / AMT | INR 7.5 Lakh to INR 8.8 Lakh |
New Maruti Celerio vs Used Maruti Swift: Financing Comparison
The new Maruti Celerio ZXI Plus AMT costs about INR 8.37 lakh to INR 8.44 lakh on the road. The down payment is usually between INR 86,000 and INR 1,55,000, depending on the terms of the loan. The loan amount is between INR 6.87 lakh and INR 6.89 lakh for a 5-year loan with an interest rate of about 9.8%. The EMI for this version is between INR 16,400 and INR 16,700 per month.
On the road, a 2022 Maruti Suzuki Swift ZXI Plus cost more, between INR 9.5 lakh and INR 9.6 lakh. This means that the loan amount for buying a used 2022 Swift ZXI Plus would usually be lower than for a new car, but it could still be between INR 6.5 lakh and INR 8 lakh for a financed used unit, depending on how much it has depreciated and how good condition it is in. The EMI would also change, which usually means that the monthly payments would be lower but the loan term would be shorter, or the interest rates on used car loans would be different.
To put it simply, you would need to borrow about INR 6.87 to 6.89 lakh to buy a new Maruti Celerio ZXI Plus AMT. You would pay about INR 16,400 a month. You could need to borrow less money if you want to buy a used 2022 Maruti Swift ZXI Plus, but the amount you borrow and the monthly payments might be approximately the same, depending on what the buyer and seller agree on.
| New: Maruti Celerio ZXI Plus AMT | Used: Maruti Swift ZXI Plus (Estimated) | Difference | |
| Down Payment | INR 2,17,332 (approx. 30% of ₹7.37 L ex-showroom) | INR 1,00,000 (assumed ~30% of INR 3.3 L used price) | +INR 1,17,332 |
| Loan Tenure | 60 months (5 years) | 84 months (maximum for used vehicles per SBI scheme) | –24 months |
| Loan Amount | INR 6,63,300 (90% of ex-showroom INR 7.37 L) | ₹2,30,000 (70% of ₹3.3 L used value, per SBI used vehicle limit) | +INR 4,33,300 |
| Interest Rate | 10.5% p.a. (typical for new car loans) | Approx. 13.4%-14% p.a. (used car rate average as per HDFC) | New lower by ~3 pp |
| Total Interest Amount | INR 2,17,332 (EMI includes both principal + interest; interest ≈ loan total – principal) | Roughly INR 1,00,000 (est. higher due to longer tenure, higher rate) | +₹1,17,332 |
| Total Paid | ~₹8,80,632 (₹6,63,300 principal + ₹2,17,332 interest) | ~₹3,30,000 (₹2,30,000 principal + ₹1,00,000 interest) | +₹5,50,632 |
New Maruti Celerio vs Used Maruti Swift: Insurance Comparison
The average insured declared value (IDV) for the new Maruti Celerio ZXI Plus AMT model in 2025 is around ₹6.59 lakh. The first year of insurance for this kind of car usually costs around ₹12,900. This includes a full policy that covers damage to the car as well as damage to other people’s cars. If the costs of renewal stay about the same for the next five years (not counting any more premium increases or no-claim bonuses), the total insurance premium will be between ₹64,500 and ₹70,000.
A used 2022 Maruti Swift ZXI Plus, on the other hand, will have a much lower IDV because it has lost value over time. This can be anywhere from ₹4 to ₹5 lakh, depending on the car’s condition, mileage, and resale price. The insurance rate for these kinds of used cars is usually lower at first, but it goes up slowly as the car gets older. If you own a used Swift ZXI Plus for more than five years starting in 2025, the total cost of insurance could be between ₹40,000 and ₹50,000. This is because when you renew your policy, the premiums will go up, and in some cases, you won’t get a no-claim bonus.
New Maruti Celerio vs Used Maruti Swift: Which to Choose?
When deciding between a new Maruti Celerio ZXI Plus AMT and a used 2022 Maruti Swift ZXI Plus, the most important things to think about how much money you have, how safe and reliable the car is, and how much it will cost to keep it for a long time.
The Celerio has the latest safety features, such as six airbags, an Electronic Stability Program, and a full factory warranty. The costs add up front, has a bigger loan amount, and has higher insurance premiums over five years, but it gets better gas mileage and is less likely to break down. This is the car for those who don’t want to spend a lot of money on petrol and don’t want it to break down.
The used Swift ZXI Plus, on the other hand, lets you buy a better, bigger, and stronger car for less money. You might be able to get loans and insurance for less money, but the new car won’t come with a warranty, and it might cost more to keep it in good shape. Choose this option if you care more about how the car drives and what features it has than how much it will cost.
FAQ
Which car gets better gas mileage: the new Maruti Celerio or the used Maruti Swift?
The new Maruti Celerio gets a little better gas mileage than the used Swift, which gets between 24 and 25 km/l depending on the year and condition of the model.
How much will a new Maruti Celerio and a used Maruti Swift cost?
The new Celerio is cheaper up front, with pricing starting at about INR 5.6 lakh. On the other hand, a used Maruti Swift, especially newer cars from 2022, tends to cost more because they have more expensive amenities and a higher initial price.
Which car is safer?
The new Celerio comes with more safety features than the used Swift, which usually only has 2 airbags and basic safety features. Some models of the Swift, depending on the year, come with extra features like hill assist.
Do you drive differently in each one?
Yes, the 1.2L engine in the used Maruti Swift usually makes it more fun to drive and gives it more power than the 1.0L engine in the Celerio, which is tuned more for comfort and fuel efficiency in the city.
Which option will save you the most money over time?
The new Celerio is better for long-term ownership because it costs less to keep up, gets better gas mileage, and comes with a warranty. The used Swift may cost more up front and need more maintenance, but it might be a good choice if the buyer cares more about features and how the car drives than how much it will cost in the long run.
