CarzOnWheel logo
  • Home
  • Cars
  • Blogs
  • Brands

    • Delhi

CarzOnWheel logoCarzOnWheel

Delhi

carzonewheel_logo

Carzonwheel is a comprehensive automotive platform dedicated to helping car buyers, owners, and enthusiasts make informed decisions. We provide the latest automotive news, in-depth car reviews, expert buying guides, vehicle comparisons, and industry insights from experienced automotive professionals. Our content is created by car experts and enthusiasts with hands-on driving experience across a wide range of vehicles, including manual and automatic cars, electric vehicles (EVs), luxury cars, performance vehicles, and supercars. This real-world experience enables us to deliver practical, unbiased, and reliable advice for every type of driver.
In addition to expert automotive content, Carzonwheel offers powerful tools such as a Car EMI Calculator, Mileage Calculator, and detailed Car Specifications Comparison feature, helping users evaluate and compare vehicles with confidence. Carzonwheel is owned and operated by OnWheels Group through OnWheels Digital, with a mission to make automotive information transparent, accessible, and useful for everyone.
Drive smarter. Choose better. Trust Carzonwheel.

Address: 453, OnWheels Digital Private Limited, JMD Megapolis, Sector 48, Gurugram, Haryana 122018
contact@carzonwheel.com
Popular Cars
  • Tata Harrier EV
  • Mahindra BE6
  • Kia EV6
  • Tata Curvv EV
  • Hyundai Tucson
  • BMW i4
  • MG Cyberster
Popular Brands
  • Maruti Suzuki
  • Hyundai
  • Tata Motors
  • Mahindra
  • Toyota
  • Mercedes-benz
  • Kia
Cars by Price
  • Cars Under ₹10 Lakh
  • Cars Under ₹15 Lakh
  • Cars Under ₹20 Lakh
  • Cars Under ₹35 Lakh
  • Cars Under ₹50 Lakh
  • Cars Under 1 Crore
  • Cars Above 1 Crore
Explore Cars
  • Upcoming Cars
  • Electric Cars
  • Car News
Support
  • About Us
  • Contact Us
  • Sitemap
Legal
  • Privacy Policy
  • Terms & Conditions
  • Disclosure
  • Write for Us
  • Advertise with us
OnWheels Group
car_logoCarzOnWheel
truck_logoTruckOnWheels
bike_logoBikeOnWheels
tractor_logoTractorOnWheels
khetikyari_logoKhetikyari
Copyright © 2026 OnWheels Digital Private Limited. All Rights Reserved.
Follow us:
HomeMahindraMahindra XUV 3XOMahindra XUV 3XO AX7 Diesel AMT
Mahindra XUV 3XO AX7 Diesel AMT thumbnail

Car overview

Mahindra XUV 3XO AX7 Diesel AMT

Ex-Showroom Price

₹13.79 L - ₹13.79 L

Mahindra XUV 3XO AX7 Diesel AMT: A bold SUV with frugal diesel AMT for efficient drives. Experience segment-first Level 2 ADAS for safety and a panoramic sunroof. Its premium cabin features dual 10.25-inch screens and dual-zone AC. Enjoy commanding performance, impressive mileage, and advanced tech, making every journey exceptional.

Get On Road price
Compare

Recommendations

SUV Cars

Tata HarrierTata Harrier₹13.00 LView details Mahindra BE 6 SPORTEQMahindra BE 6 SPORTEQ₹11.45 LView details Volkswagen TaigunVolkswagen Taigun₹11.00 LView details Force Gurkha 5 DoorForce Gurkha 5 Door₹17.27 LView details Citroen Aircross XCitroen Aircross X₹8.89 LView details Citroen Basalt XCitroen Basalt X₹8.55 LView details Citroen AircrossCitroen Aircross₹8.29 LView details JSW Jetour T2JSW Jetour T2₹20.00 LView details Tata PunchTata Punch₹5.75 LView details Isuzu MU-XIsuzu MU-X₹34.53 LView details

Recommendations

Latest Mahindra Cars

Mahindra XUV 3XO EVMahindra XUV 3XO EV₹13.89 LView details Mahindra Scorpio NMahindra Scorpio N₹13.69 LView details Mahindra XUV 7XOMahindra XUV 7XO₹13.99 LView details Mahindra MarazzoMahindra Marazzo₹14.06 LView details Mahindra Thar ROXXMahindra Thar ROXX₹12.39 LView details Mahindra XUV400 EVMahindra XUV400 EV₹15.49 LView details Mahindra BE 6 SPORTEQMahindra BE 6 SPORTEQ₹11.45 LView details Mahindra Bolero Neo PlusMahindra Bolero Neo Plus₹11.39 LView details Mahindra Thar OGMahindra Thar OG₹10.32 LView details Mahindra Bolero CamperMahindra Bolero Camper₹9.85 LView details

Official details

Mahindra XUV 3XO AX7 Diesel AMT Brochure

Download Mahindra XUV 3XO AX7 Diesel AMT brochure for detailed information of specs, features & prices.

Mahindra XUV 3XO AX7 Diesel AMT Key Specifications

Complete available specifications in one simple view.

10 specs

Fuel Type

Diesel

Transmission

Automatic

Mileage

21.2 kmpl

Seating Capacity

5 Seater

Fuel Tank

42 Litres

Body Type

SUV

Ground Clearance

201 mm

Engine Displacement

1498 cc

Engine

Turbo with CRDe

Power (BHP)

115.05bhp@3750rpm

Mahindra XUV 3XO AX7 Diesel AMT Specifications & Features

11 categories. Tap a section to expand or collapse it.

Engine & Transmission10
Engine Type
Turbo with CRDe
Displacement
1498 cc
Max Power
115.05bhp@3750rpm
Max Torque
300Nm@1500-2500rpm
No. of Cylinders
4
Valves Per Cylinder
4
Turbo Charger
Yes
Transmission Type
Automatic
Gearbox
6-Speed AMT
Drive Type
FWD
Safety29
Anti-lock Braking System (ABS)
Yes
Central Locking
Yes
Child Safety Locks
Yes
No. of Airbags
6
Driver Airbag
Yes
Passenger Airbag
Yes
Side Airbag
Yes
Side Airbag-Rear
No
Day & Night Rear View Mirror
Yes
Xenon Headlamps
No
Curtain Airbag
Yes
Electronic Brakeforce Distribution (EBD)
Yes
Seat Belt Warning
Yes
Door Ajar Warning
Yes
Tyre Pressure Monitoring System (TPMS)
Yes
Engine Immobilizer
Yes
Electronic Stability Control (ESC)
Yes
Rear Camera
With Guidedlines
Speed Alert
Yes
Speed Sensing Auto Door Lock
Yes
Knee Airbags
No
ISOFIX Child Seat Mounts
Yes
Heads-Up Display (HUD)
No
Pretensioners & Force Limiter Seatbelts
Driver and Passenger
360 View Camera
No
Global NCAP Safety Rating
5 Star
Global NCAP Child Safety Rating
5 Star
Bharat NCAP Safety Rating
5 Star
Bharat NCAP Child Safety Rating
5 Star
Exterior28
Adjustable Headlamps
Yes
Headlamp Washers
No
Rear Window Wiper
Yes
Rear Window Washer
Yes
Rear Window Defogger
Yes
Wheel Covers
No
Alloy Wheels
Yes
Rear Spoiler
Yes
Side Stepper
No
Outside Rear View Mirror Turn Indicators
Yes
Integrated Antenna
Yes
Projector Headlamps
Yes
Halogen Headlamps
Yes
Cornering Foglamps
No
Roof Rails
Yes
Fog Lights
Front
Convertible Top
No
Sunroof
Panoramic
Boot Opening
Electronic
Heated Outside Rear View Mirror
No
Outside Rear View Mirror (ORVM)
Powered & Folding
Tyre Size
215/55 R17
Tyre Type
Tubeless, Radial
LED DRLs
Yes
LED Headlamps
Yes
LED Taillights
Yes
LED Fog Lamps
Yes
Additional Features
Electronic Trumpet Horn
Interior9
Tachometer
Yes
Leather Wrapped Steering Wheel
Yes
Leather wrap gear-shift selector
Yes
Glove Box
Yes
Cigarette Lighter
No
Folding Table in The Rear
No
Digital Cluster
Yes
Digital Cluster Size
10.25 Inch
Upholstery
Leatherette
ADAS Feature9
Forward Collision Warning
No
Automatic Emergency Braking
No
Traffic Sign Recognition
No
Lane Departure Warning
No
Lane Keep Assist
No
Adaptive Cruise Control
No
Adaptive High Beam Assist
No
Blind Spot Monitor
No
Autonomous Parking
No
Fuel & Performance4
Fuel Type
Diesel
Diesel Fuel Tank Capacity
42 Litres
Diesel Highway Mileage
21.2 kmpl
Emission Norm Compliance
BS VI 2.0
Comfort & Convenience33
Power Steering
Yes
Air Conditioner
Yes
Heater
Yes
Height Adjustable Driver Seat
Yes
Ventilated Seats
No
Electric Adjustable Seats
No
Automatic Climate Control
Yes
Accessory Power Outlet
Yes
Rear Reading Lamp
Yes
Adjustable Headrest
Yes
Rear Seat Centre Arm Rest
Yes
Height Adjustable Front Seat Belts
Yes
Rear AC Vents
Yes
Cruise Control
Yes
Parking Sensors
Front & Rear
Real-Time Vehicle Tracking
Yes
Foldable Rear Seat
60
KeyLess Entry
Yes
Engine Start/Stop Button
Yes
Cooled Glovebox
Yes
Paddle Shifters
No
USB Charger
Front & Rear
Central Console Armrest
With Storage
Hands-Free Tailgate
No
Rear Curtain
No
Glove Box light
Yes
Idle Start-Stop System
Yes
Rear Window Sunblind
No
Rear Windscreen Sunblind
No
Automatic Headlamps
Yes
Follow Me Home Headlamps
Yes
Power Windows
Front & Rear
Cup Holders
Front & Rear
Dimensions & Capacity7
Length
3990 mm
Width
1821 mm
Height
1647 mm
Boot Space
364 Litres
Seating Capacity
5
Wheel Base
2600 mm
No. of Doors
5
Advance Internet Feature25
Live Location
Yes
Remote Immobiliser
Yes
Unauthorised Vehicle entry
Yes
Engine Start Alarm
Yes
Remote Vehicle Status Check
Yes
PUC Expiry
Yes
Insurance Expiry
Yes
E-Manual
Yes
Inbuilt Assistant
Yes
Navigation with Live Traffic
Yes
Send POI to Vehicle From App
Yes
Live Weather
Yes
E-Call & I-Call
Yes
Over the Air (OTA) Updates
Yes
Google / Alexa Connectivity
Yes
Save Route/Place
Yes
SOS Button
Yes
RSA
Yes
Over Speeding Alert
Yes
Tow Away Alert
Yes
Valet Mode
Yes
Remote AC On/Off
Yes
Remote Door Lock/Unlock
Yes
Remote Vehicle Ignition Start/Stop
Yes
Geo-fence Alert
Yes
Entertainment & Communication14
Radio
Yes
Integrated 2DIN Audio
Yes
Wireless Phone Charging
Yes
Bluetooth Connectivity
Yes
Touchscreen
Yes
Touchscreen Size
10.25 inch
Connectivity
Android Auto, Apple CarPlay
Android Auto
Yes
Apple CarPlay
Yes
No. of Speakers
4
Usb Ports
Yes
Tweeters
2
Additional Features
Harman Kardon Premium Audio with Amplifier & Sub-woofer, Wireless Android Auto And Apple CarPlay
Speakers
Front & Rear
Suspension, Steering & Brakes8
Front Suspension
MacPherson Strut suspension
Rear Suspension
Rear twist beam
Steering Type
Electric
Turning Radius
5.3 m
Front Brake Type
Disc
Rear Brake Type
Disc
Alloy Wheel Size Front
17 Inch
Alloy Wheel Size Rear
17 Inch

Compare XUV 3XO AX7 Diesel AMT With Similar Cars

Table view for quick price and specification comparison.

11 cars
Mahindra XUV 3XO AX7 Diesel AMT

Mahindra XUV 3XO AX7 Diesel AMT

Mahindra Thar OG

Mahindra Thar OG

Mahindra Scorpio Classic

Mahindra Scorpio Classic

Mahindra Bolero

Mahindra Bolero

Mahindra Bolero Neo

Mahindra Bolero Neo

Skoda Slavia

Skoda Slavia

Kia Sonet

Kia Sonet

Kia Carens

Kia Carens

Honda Amaze

Honda Amaze

Honda Elevate

Honda Elevate

Maruti Suzuki Brezza

Maruti Suzuki Brezza

Price
₹13.79 L
₹10.32 L3.48 L cheaper₹13.37 L42.50 K cheaper₹8.49 L5.30 L cheaper₹8.99 L4.80 L cheaper₹10.00 L3.79 L cheaper₹7.41 L6.39 L cheaper₹11.02 L2.78 L cheaper₹7.65 L6.14 L cheaper₹11.81 L1.99 L cheaper₹7.40 L6.39 L cheaper
Engine
1498 cc
1497 - 2184 cc2184 cc1493 cc1493 cc1498 cc1493 cc1493 - 1497 cc1199 cc1498 cc998 cc - 1462 cc cc
Power
115.05bhp@3750rpm
116.93 - 159.58 bhp30bhp@3750rpm74.96bhp@3600rpm98.56bhp@3750rpm147.51bhp@5000-6000rpm114bhp@4000rpm,118bhp113.42 - 114.41 bhp89bhp@6000rpm119bhp@6600rpm86.63 - 109 bhp
Transmission
Automatic
Automatic/ManualAutomatic/ManualManualManualAutomatic/ManualAutomatic/ManualManualAutomatic/ManualAutomatic/ManualAutomatic/Manual
Fuel Type
Diesel
Diesel/PetrolDieselDieselDieselPetrolDiesel/PetrolDiesel/Petrol/CNGPetrolPetrolPetrol/CNG
Current viewingCompareCompareCompareCompareCompareCompareCompareCompareCompareCompare

Contact mahindra Cars Dealer in

Get in touch with an authorized mahindra dealer in for the latest models, on-road prices, and exclusive offers. Find the best deals on your new mahindra today.

Similar Cars to Mahindra XUV 3XO AX7 Diesel AMT

Cars in a comparable price range

Tata Harrier

Tata Harrier

Ex-Showroom Price

₹13.00 L

79.51 K (6%) cheaperView Details
Force Gurkha

Force Gurkha

Ex-Showroom Price

₹15.95 L

2.15 L (16%) costlierView Details
Mahindra BE 6 SPORTEQ

Mahindra BE 6 SPORTEQ

Ex-Showroom Price

₹11.45 L

2.35 L (17%) cheaperView Details
Volkswagen Taigun

Volkswagen Taigun

Ex-Showroom Price

₹11.00 L

2.80 L (20%) cheaperView Details
Skoda Kushaq

Skoda Kushaq

Ex-Showroom Price

₹10.69 L

3.10 L (23%) cheaperView Details
Force Gurkha 5 Door

Force Gurkha 5 Door

Ex-Showroom Price

₹17.27 L

3.48 L (25%) costlierView Details

Alternative Cars to Mahindra XUV 3XO AX7 Diesel AMT

Other options buyers may also consider

Tata Harrier

Tata Harrier

Ex-Showroom Price

₹13.00 L

79.51 K (6%) cheaperView Details
Force Gurkha

Force Gurkha

Ex-Showroom Price

₹15.95 L

2.15 L (16%) costlierView Details
Mahindra BE 6 SPORTEQ

Mahindra BE 6 SPORTEQ

Ex-Showroom Price

₹11.45 L

2.35 L (17%) cheaperView Details
Volkswagen Taigun

Volkswagen Taigun

Ex-Showroom Price

₹11.00 L

2.80 L (20%) cheaperView Details
Force Gurkha 5 Door

Force Gurkha 5 Door

Ex-Showroom Price

₹17.27 L

3.48 L (25%) costlierView Details
VinFast VF6

VinFast VF6

Ex-Showroom Price

₹17.29 L

3.50 L (25%) costlierView Details

Mahindra XUV 3XO AX7 Diesel AMT 2026 News & Latest Updates

Latest updates, stories and announcements

This Upcoming Mahindra SUV Coming Next Year Has An Unfair AdvantageNews

This Upcoming Mahindra SUV Coming Next Year Has An Unfair Advantage

The boxy SUV could become India's toughest sub-4m car, thanks to its class-leading ground clearance and versatility.

CarzOnWheel Team•09-06-2026
Tata Sierra EV's Biggest Nightmare is This Mahindra EVNews

Tata Sierra EV's Biggest Nightmare is This Mahindra EV

This EV arrived months before the Sierra EV and the battle between the two biggest rivals is already loaded. Once Again!

Bharat Rana•01-05-2026
Mahindra XEV 9e Cineluxe 2026 Edition: Price, Colours, FeaturesNews

Mahindra XEV 9e Cineluxe 2026 Edition: Price, Colours, Features

The XEV 9e just got more exclusive. Discover the Cineluxe Edition with stunning matte paints and a luxurious new interior. Check out the special edition now at dealers.

CarzOnWheel Team•24-03-2026
Mahindra XEV 9S: 5 Key Features to Know Before Its LaunchNews

Mahindra XEV 9S: 5 Key Features to Know Before Its Launch

Mahindra's new 7-seat EV has a 600 km range and a 0-100 time of 7 seconds. But its biggest surprise might be the price.

Bharat Rana•19-11-2025
Oct 2025 EV Sales: 57% Growth Led by Mahindra, Hyundai, KiaNews

Oct 2025 EV Sales: 57% Growth Led by Mahindra, Hyundai, Kia

The EV sales charts are being rewritten. See how Mahindra, Hyundai, and Kia posted over 300% growth, challenging Tata's dominance in October 2025.

Bharat Rana•08-11-2025
Mahindra Sells 30000 XUV 9e & BE 6 EVs in 7 MonthsNews

Mahindra Sells 30000 XUV 9e & BE 6 EVs in 7 Months

How did Mahindra sell 30,000 premium EVs so fast? The XUV 9e and BE 6's bold design and top-tier tech are clearly a winning combination.

Bharat Rana•07-11-2025
Looking for Best Car Insurance

Grab the Best Deals with CarzOnWheel

Looking Illustration

Mahindra XUV 3XO AX7 Diesel AMT Frequently Asked Questions

Quick answers to common buyer questions

What is the Mahindra XUV 3XO AX7 Diesel AMT known for in the Indian market?+
The Mahindra XUV 3XO AX7 Diesel AMT is known for its blend of robust performance, convenient AMT gearbox, premium features, and strong safety, making it a competitive compact SUV.
Who is the Mahindra XUV 3XO AX7 Diesel AMT best suited for?+
The XUV 3XO AX7 Diesel AMT is ideal for urban dwellers and highway commuters seeking an automatic diesel compact SUV with advanced features, comfort, and good fuel efficiency in India.
What are the main advantages of choosing the XUV 3XO AX7 Diesel AMT?+
Key advantages of the XUV 3XO AX7 Diesel AMT include its refined diesel engine, smooth AMT, extensive feature list, superior safety, and robust build quality, offering a compelling package.
Are there any significant cons to consider for the Mahindra XUV 3XO AX7 Diesel AMT?+
Potential cons of the XUV 3XO AX7 Diesel AMT might include its slightly higher initial cost compared to manual variants or a mild lag from the AMT during aggressive driving, typical for the segment.
How does the Mahindra XUV 3XO AX7 Diesel AMT compare to rivals in the compact SUV segment?+
The Mahindra XUV 3XO AX7 Diesel AMT stands out with its powerful diesel engine, advanced features like a panoramic sunroof, and a strong emphasis on safety, giving it a competitive edge.
Is the Mahindra XUV 3XO AX7 Diesel AMT a good option for families?+
Yes, the XUV 3XO AX7 Diesel AMT is an excellent family car, offering ample cabin space, top-tier safety features, and the convenience of an automatic transmission for comfortable long journeys and city drives.
What engine specifications does the Mahindra XUV 3XO AX7 Diesel AMT offer?+
The Mahindra XUV 3XO AX7 Diesel AMT is powered by a 1.5-litre turbo diesel engine, producing impressive power and torque for responsive performance and efficient driving.
What key safety features are included in the XUV 3XO AX7 Diesel AMT?+
The XUV 3XO AX7 Diesel AMT boasts 6 airbags, ABS with EBD, ESP, all-wheel disc brakes, hill hold assist, and ISOFIX child seat anchors for comprehensive occupant protection.
Does the Mahindra XUV 3XO AX7 Diesel AMT come with a panoramic sunroof?+
Yes, the Mahindra XUV 3XO AX7 Diesel AMT variant prominently features a large panoramic sunroof, enhancing the cabin's spaciousness and offering an airy, premium feel.
What advanced technology and comfort features are available in the XUV 3XO AX7 Diesel AMT?+
The XUV 3XO AX7 Diesel AMT includes a large touchscreen infotainment system, AdrenoX connected car tech, dual-zone climate control, a digital instrument cluster, and wireless charging for convenience.
What type of automatic transmission is in the Mahindra XUV 3XO AX7 Diesel AMT?+
The Mahindra XUV 3XO AX7 Diesel AMT utilizes an Automated Manual Transmission (AMT), providing clutch-free driving convenience and efficiency, making city commuting effortless.
Is the interior of the Mahindra XUV 3XO AX7 Diesel AMT spacious and comfortable?+
Yes, the interior of the Mahindra XUV 3XO AX7 Diesel AMT is designed for comfort, offering generous space for five occupants, ample legroom, and premium upholstery for an enhanced experience.
What is the claimed ARAI mileage for the Mahindra XUV 3XO AX7 Diesel AMT?+
The claimed ARAI mileage for the Mahindra XUV 3XO AX7 Diesel AMT is approximately 21.2 kmpl, showcasing its impressive fuel efficiency for a diesel automatic SUV.
What real-world city mileage can I expect from the XUV 3XO AX7 Diesel AMT?+
In real-world city driving conditions, the XUV 3XO AX7 Diesel AMT typically delivers mileage ranging from 16-18 kmpl, depending on traffic density and individual driving habits.
How fuel-efficient is the Mahindra XUV 3XO AX7 Diesel AMT on long highway drives?+
On highways, the Mahindra XUV 3XO AX7 Diesel AMT can achieve excellent mileage of 18-20 kmpl or higher, thanks to its efficient diesel engine and optimized gear ratios.
Is the Diesel AMT variant of the XUV 3XO more fuel-efficient than its petrol counterparts?+
Generally, the Diesel AMT variant of the XUV 3XO is more fuel-efficient than its petrol engine counterparts, particularly noticeable during extended highway cruising due to diesel's inherent efficiency.
What factors can influence the actual mileage of the Mahindra XUV 3XO AX7 Diesel AMT?+
Actual mileage of the XUV 3XO AX7 Diesel AMT is affected by driving style, road conditions, traffic patterns, vehicle maintenance, tire pressure, and consistent use of air conditioning.
Does the AMT gearbox negatively impact the fuel efficiency of the Mahindra XUV 3XO AX7 Diesel AMT?+
The AMT gearbox in the Mahindra XUV 3XO AX7 Diesel AMT is designed to be efficient. While it might have slight variations from manual, it generally maintains good fuel economy compared to traditional automatic transmissions.
What is the expected ex-showroom price of the Mahindra XUV 3XO AX7 Diesel AMT in India?+
The ex-showroom price for the Mahindra XUV 3XO AX7 Diesel AMT in India is anticipated to be around ₹13.79 Lakhs, varying slightly across different cities.
How does the AX7 Diesel AMT variant's price compare within the XUV 3XO lineup?+
The AX7 Diesel AMT variant is positioned towards the premium end of the XUV 3XO lineup, reflecting its top-tier features, automatic convenience, and powerful diesel engine.
What is the estimated on-road price of the Mahindra XUV 3XO AX7 Diesel AMT in major Indian cities?+
The on-road price for the Mahindra XUV 3XO AX7 Diesel AMT in major Indian cities could range from ₹15.50 Lakhs to ₹16.50 Lakhs, including RTO, insurance, and other charges.
Is the Mahindra XUV 3XO AX7 Diesel AMT considered value for money at its price point?+
Considering its advanced features, comprehensive safety package, refined diesel engine, and the convenience of AMT, many buyers find the Mahindra XUV 3XO AX7 Diesel AMT offers good value for its price.
Are there any specific government taxes or charges influencing the XUV 3XO AX7 Diesel AMT price?+
Yes, the on-road price of the XUV 3XO AX7 Diesel AMT includes state-specific road tax, registration fees, and mandatory insurance costs, which vary significantly by region in India.
What financing options are available for purchasing the Mahindra XUV 3XO AX7 Diesel AMT?+
Various banks and financial institutions offer attractive EMI schemes and loan options for the Mahindra XUV 3XO AX7 Diesel AMT, with terms depending on individual creditworthiness and prevailing interest rates.