🚙 Kia Seltos Car Loan EMI Calculator
Compact SUV (B-SUV) - On-road price: Rs. 13.00 lakh-Rs. 22.00 lakh
EMI (20% down)
Rs. 28,067
Loan: Rs. 13.60 lakh | 5 yrs
EMI (30% down)
Rs. 24,558
Loan: Rs. 11.90 lakh | 5 yrs
Total interest (20% down)
Rs. 3.24 lakh
Over 5 years at 8.75%
Kia Seltos - Available variants
Calculate your Kia Seltos loan EMI
Popular cars
Approx. mid-variant on-road prices (2025-26). Actual prices vary by city and variant.
Loan amount: ₹13.60 L
Monthly EMI
₹28,231
Loan Amount
₹13.60 L
Total Interest
₹3.34 L
Total Payment
₹16.94 L
Down Payment
₹3.40 L
Total cost of ownership (financing)
On-Road Price
₹17.00 L
Interest Cost
₹3.34 L
Effective Total
₹20.34 L
Kia Seltos - Key Facts
- -Premium positioning vs Creta - slightly more feature-rich at equivalent prices
- -Ex-showroom: Rs. 10.90-20.15 lakh - competes directly with Hyundai Creta
- -Panoramic sunroof standard from mid variant; Bose sound system in top variant
- -Kia Finance available at competitive rates - check Kia India website
- -1.5L petrol, 1.5L diesel, 1.4L turbo petrol options
- -ADAS (Level 2 driver assistance) available in HTX and above variants
Depreciation
18-20% year 1, 12-15% subsequent. Kia brand has built strong resale reputation since India entry in 2019. 48-52% at 5 years.
FAQs - Kia Seltos Car Loan
What is the EMI for Kia Seltos car loan?▾
For a Kia Seltos at on-road price of Rs. 17.00 lakh with 20% down payment (Rs. 3.40 lakh): Loan amount = Rs. 13.60 lakh, at 8.75% for 5 years, EMI = Rs. 28,067/month. Total interest paid = Rs. 3.24 lakh. With 30% down: EMI = Rs. 24,558/month.
What is the on-road price of Kia Seltos?▾
Kia Seltos on-road price ranges from Rs. 13.00 lakh to Rs. 22.00 lakh depending on variant (HTE, HTK, HTK+, HTX, HTX+, X-Line - Petrol/Diesel/Turbo) and city. On-road price includes ex-showroom price, RTO registration (7-12%), comprehensive insurance (first year ~Rs. 20,000-50,000), and accessories if any.
How much down payment for Kia Seltos car loan?▾
Banks finance up to 80-85% of Kia Seltos's on-road price. Recommended down payment: 20-25%. For on-road price of Rs. 17.00 lakh: 20% down = Rs. 3.40 lakh, 25% down = Rs. 4.25 lakh. A higher down payment reduces EMI and total interest significantly.