Kia Carens Clavis EV EMI Calculator


Updated on November 2026
Kia Carens Clavis EV EMI starts at ₹34,028 per month for the HTK Plus electric (₹18.04 Lakh ex-showroom, ₹19.60 Lakh on-road Noida), on a ₹15.83 Lakh loan at 10.5% for 60 months. Down payment: ₹3.77 Lakh. Total interest: ₹4.59 Lakh. The top GTX Plus ER costs ₹47,203/month.
Also see: Carens Clavis EV On-road price | Carens Clavis EV Variants | Carens Clavis EV Offers | Carens Clavis EV Mileage

Kia Carens Clavis EV EMI and Down Payment

Ex-showroom
: Rs. 18,03,900
On-road price
: Rs. 19,60,238  (Noida)
Loan amount
: Rs. 15,83,164  (On-road price - Down payment)
Down payment
: Rs. 3,77,074  (Amount paid upfront)
Monthly EMI
: Rs. 34,028  (For Tenure of 60 months @ 10.5%; banks start from 8.7%)
Insurance
: Rs. 75,399
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Kia Carens Clavis EV Car Loan EMI Calculator

Variant
HTK Plus
On-road price (Noida)
Rs. 19,60,238
Down payment
Rs. 3,77,074
Loan amount
Rs. 15,83,164
Interest rate
10.5%
Tenure
60 months
Monthly EMI
Rs. 34,028
EMI in advance: You pay one EMI instalment in advance to the bank. This amount is EMI in arrears: You don't make any advance EMI payments. The bank disburses the loan

Kia Carens Clavis EV Car Loan EMI & Loan Breakdown

Monthly EMI
Rs. 34,028
60 months @ 10.5%
  • Down paymentRs. 3,77,074
  • Loan amountRs. 15,83,164
  • Total interestRs. 4,58,516
  • Total loan repayment (EMIs)Rs. 20,41,680
  • Total purchase outlayRs. 24,18,754

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the HTK Plus costs you over the loan; it does not include insurance renewal, fuel, maintenance or lender charges other than the processing fee.

YearPrincipal paidInterest paidOutstanding loan
Year 1 Months 1-12Rs. 2,54,102Rs. 1,54,234Rs. 13,29,062
Year 2 Months 13-24Rs. 2,82,104Rs. 1,26,232Rs. 10,46,958
Year 3 Months 25-36Rs. 3,13,194Rs. 95,142Rs. 7,33,764
Year 4 Months 37-48Rs. 3,47,708Rs. 60,628Rs. 3,86,056
Year 5 Months 49-60Rs. 3,86,056Rs. 22,280Rs. 0
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Kia Carens Clavis EV Car Loan Interest Rates – Bank Comparison

Lending Partners Interest Rate EMI Starting From (60 Months)
Loans From HDFC BankHDFC Bank 8.85% onwards Rs. 32,749 (60 months)
Loans From ICICI BankICICI Bank 9% onwards Rs. 32,864 (60 months)
Loans From Axis BankAxis Bank 9.15% onwards Rs. 32,979 (60 months)
Loans From Bank of Baroda BankBank of Baroda 8.7% onwards Rs. 32,634 (60 months)
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Kia Carens Clavis EV EMI by Loan Tenure

For a Rs. 15,83,164 loan on the HTK Plus electric at 10.5%.

Tenure EMI Total Interest Total Payable
36 months Rs. 51,457 Rs. 2,69,288 Rs. 18,52,452
48 months Rs. 40,534 Rs. 3,62,468 Rs. 19,45,632
60 months Rs. 34,028 Rs. 4,58,516 Rs. 20,41,680
84 months Rs. 26,693 Rs. 6,59,048 Rs. 22,42,212
Kia Carens Clavis EV
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Kia Carens Clavis EV
Starts at ₹ 18.04 Lakh
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Kia Carens Clavis EV Variant-Wise EMI

On-road prices in Noida. Every variant uses the same rule: the loan runs 60 months at 10.5%, and the down payment is the on-road price minus the loan.

Carens Clavis EV Variants Fuel/Transmission Ex-showroom On-road Price Loan @10.5% Down Payment EMI (60 months)
HTK Plus Electric(Battery) / Automatic Rs. 18,03,900 Rs. 19,60,238 Rs. 15,83,164 Rs. 3,77,074 Rs. 34,028
HTX E 6Str Electric(Battery) / Automatic Rs. 19,99,900 Rs. 21,30,910 Rs. 17,55,773 Rs. 3,75,137 Rs. 37,738
HTX E Electric(Battery) / Automatic Rs. 19,99,900 Rs. 21,76,710 Rs. 17,55,773 Rs. 4,20,937 Rs. 37,738
HTX 6Str Electric(Battery) / Automatic Rs. 20,53,900 Rs. 21,87,481 Rs. 18,03,328 Rs. 3,84,153 Rs. 38,761
HTX Electric(Battery) / Automatic Rs. 20,53,900 Rs. 22,21,881 Rs. 18,03,328 Rs. 4,18,553 Rs. 38,761
HTX E ER Electric(Battery) / Automatic Rs. 22,03,900 Rs. 23,90,047 Rs. 19,35,427 Rs. 4,54,620 Rs. 41,600
HTX E ER 6Str Electric(Battery) / Automatic Rs. 22,03,900 Rs. 23,44,447 Rs. 19,35,427 Rs. 4,09,020 Rs. 41,600
HTX ER Electric(Battery) / Automatic Rs. 22,53,900 Rs. 24,31,135 Rs. 19,79,459 Rs. 4,51,676 Rs. 42,546
HTX ER 6Str Electric(Battery) / Automatic Rs. 22,53,900 Rs. 23,96,735 Rs. 19,79,459 Rs. 4,17,276 Rs. 42,546
GTX ER 6Str Electric(Battery) / Automatic Rs. 23,03,900 Rs. 24,49,124 Rs. 20,23,492 Rs. 4,25,632 Rs. 43,493
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How Is the Kia Carens Clavis EV EMI Calculated?

EMI = [P × r × (1 + r)n] ÷ [(1 + r)n − 1], where P is the loan amount, r is the monthly interest rate {(annual rate ÷ 12) ÷ 100} and n is the tenure in months. For the HTK Plus electric variant: P = ₹15.83 Lakh, r = (10.5 ÷ 12) ÷ 100 = 0.00875 and n = 60 months, which gives an EMI of ₹34,028.

The calculation starts from the Noida on-road price of ₹19.60 Lakh (ex-showroom ₹18.04 Lakh plus insurance, RTO and other charges).

Factors That Affect Your Kia Carens Clavis EV Loan EMI

  • Down payment: Every ₹1 lakh of extra down payment lowers the EMI by about ₹2,149 at 10.5% for 60 months.
  • Interest rate: A rate 1% higher adds about ₹790 to the EMI on a ₹15.83 Lakh loan. Starting rates from the banks on this page range from 8.7% to 9.15%.
  • Loan tenure: Over 36 months the EMI is ₹51,457; over 84 months it drops to ₹26,693 but you pay ₹3.90 Lakh more in interest.
  • Variant and city: In Noida the EMI ranges from ₹34,028 (HTK Plus electric) to ₹47,203 (GTX Plus ER). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

EMI of Kia Carens Clavis EV Rivals – Scorpio N, e Vitara, Innova Crysta

Starting EMI of each model's base variant, worked out the same way as the Kia Carens Clavis EV: the down payment is the on-road price minus the loan.

ModelOn-road PriceEMITenureInterest RateCompare
Mahindra Scorpio N Z2 Rs. 16,13,807 Rs. 25,796 60 months 10.5% Compare with Carens Clavis EV
Maruti Suzuki e Vitara Delta Rs. 17,04,575 Rs. 30,528 60 months 10.5% Compare with Carens Clavis EV
Toyota Innova Crysta 2.4 GX 7 Seater Rs. 24,40,886 Rs. 37,646 60 months 10.5% Compare with Carens Clavis EV
Mahindra XUV 7XO AX Rs. 17,07,231 Rs. 26,364 60 months 10.5% Compare with Carens Clavis EV

Frequently Asked Questions About Kia Carens Clavis EV EMI

What is the monthly EMI for the Kia Carens Clavis EV?

₹34,028 a month for the HTK Plus electric, on a ₹15.83 Lakh loan at 10.5% for 5 years. The top GTX Plus ER works out to ₹47,203.

How much down payment is required for the Kia Carens Clavis EV?

About ₹3.77 Lakh for the HTK Plus electric in Noida. That's the on-road price of ₹19.60 Lakh minus the ₹15.83 Lakh loan.

How does the loan tenure affect the Kia Carens Clavis EV EMI?

Over 3 years the EMI is ₹51,457 and you pay ₹2.69 Lakh in interest. Stretch it to 7 years and the EMI drops to ₹26,693, but interest rises to ₹6.59 Lakh.

Is the Kia Carens Clavis EV EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Noida the HTK Plus electric costs ₹19.60 Lakh on-road, which includes ₹75,399 insurance and ₹80,939 RTO and other charges.

Does the Kia Carens Clavis EV EMI calculator include the processing fee?

Yes. The ₹5,450 processing fee is paid with the down payment and is not added to the loan.

Which bank has the lowest interest rate for a Kia Carens Clavis EV loan?

Bank of Baroda, from 8.7%. At that rate the EMI on the same ₹15.83 Lakh loan comes to ₹32,634 a month.

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Kia Carens Clavis EV
Kia Carens Clavis EV
Starts at Rs. 18.04 Lakh
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