Kia Carens Clavis EMI Calculator

Updated on October 2026

Kia Carens Clavis EMI starts at ₹21,441 per month for the HTE petrol (₹11.39 Lakh ex-showroom, ₹13.61 Lakh on-road Delhi), on a ₹9.98 Lakh loan at 10.5% for 60 months. Down payment: ₹3.63 Lakh. Total interest: ₹2.89 Lakh. The top GTX Plus Turbo DCT costs ₹41,127/month.

Also see: Carens Clavis On-road price | Carens Clavis Variants | Carens Clavis Offers | Carens Clavis Mileage

Kia Carens Clavis HTE EMI & Down Payment

Ex-showroom

: Rs. 11,38,900

On-road price

: Rs. 13,60,748 (Delhi)

Loan amount

: Rs. 9,97,529 (On-road - Down payment)

Down payment

: Rs. 3,63,219 (On-road - Loan amount)

Monthly EMI

: Rs. 21,441 (For Tenure of 60 months @ 10.5%; banks start from 8.7%)

Insurance

: Rs. 54,669

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Kia Carens Clavis Car Loan EMI Calculator

On-road price (Delhi): Rs. 13,60,748
Down payment: Rs. 3,63,219
Loan amount: Rs. 9,97,529
Interest rate: 10.5%
Tenure: 60 months
Monthly EMI: Rs. 21,441
Total interest: Rs. 2,88,931
Total payable: Rs. 12,86,460

EMI in advance: You pay one EMI instalment in advance to the bank. This amount is deducted from the loan amount disbursed to the dealer. Thus it gets added to the down payment that you are to make.
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EMI in arrears: You don't make any advance EMI payments. The bank disburses the loan amount minus any other one time fees. ..Read More ..Read Less

Kia Carens Clavis Car Loan Interest Rates – Bank Comparison

Lending Partners	Interest Rate	EMI Starting From (60 Months)
HDFC Bank	8.85% onwards	Rs. 20,635 (60 months)
ICICI Bank	9% onwards	Rs. 20,707 (60 months)
Axis Bank	9.15% onwards	Rs. 20,780 (60 months)
Bank of Baroda	8.7% onwards	Rs. 20,562 (60 months)

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Kia Carens Clavis EMI by Loan Tenure

For a Rs. 9,97,529 loan on the HTE petrol at 10.5%.

Tenure	EMI	Total Interest	Total Payable
36 months	Rs. 32,422	Rs. 1,69,663	Rs. 11,67,192
48 months	Rs. 25,540	Rs. 2,28,391	Rs. 12,25,920
60 months	Rs. 21,441	Rs. 2,88,931	Rs. 12,86,460
84 months	Rs. 16,819	Rs. 4,15,267	Rs. 14,12,796

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Kia Carens Clavis

Starts at ₹ 11.39 Lakh

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Kia Carens Clavis Variant-wise EMI & Down Payment

Carens Clavis Variants	Fuel/Transmission	Ex-showroom	Loan @10.5%	Down Payment	EMI (60 months)
HTE	Petrol / Manual	Rs. 11,38,900	Rs. 9,97,529	Rs. 3,63,219	Rs. 21,441
HTE (O)	Petrol / Manual	Rs. 12,34,900	Rs. 10,82,071	Rs. 3,88,471	Rs. 23,258
HTE CNG	CNG / Manual	Rs. 12,38,800	Rs. 10,85,506	Rs. 3,52,708	Rs. 23,332
HTE EX	Petrol / Manual	Rs. 12,85,900	Rs. 11,26,985	Rs. 4,18,843	Rs. 24,223
HTE (O) Turbo	Petrol / Manual	Rs. 13,21,900	Rs. 11,58,688	Rs. 4,11,325	Rs. 24,905
HTE Diesel	Diesel / Manual	Rs. 13,23,900	Rs. 11,60,450	Rs. 4,60,094	Rs. 24,943
HTE (O) CNG	CNG / Manual	Rs. 13,34,800	Rs. 11,70,049	Rs. 3,78,258	Rs. 25,149
HTE EX Turbo	Petrol / Manual	Rs. 13,76,900	Rs. 12,07,125	Rs. 4,43,262	Rs. 25,946
HTE (O) Diesel	Diesel / Manual	Rs. 14,36,900	Rs. 12,59,964	Rs. 4,93,524	Rs. 27,082
HTE (O) Turbo DCT	Petrol / Automatic	Rs. 14,66,900	Rs. 12,86,384	Rs. 4,13,416	Rs. 27,649
HTE EX Diesel	Diesel / Manual	Rs. 14,87,899	Rs. 13,04,876	Rs. 5,25,281	Rs. 28,047
HTE EX Turbo DCT	Petrol / Automatic	Rs. 15,21,900	Rs. 13,34,820	Rs. 4,28,054	Rs. 28,690
HTK Plus Turbo	Petrol / Manual	Rs. 15,27,900	Rs. 13,40,104	Rs. 4,66,151	Rs. 28,804
HTE (O) Diesel AT	Diesel / Automatic	Rs. 15,81,900	Rs. 13,87,659	Rs. 4,99,390	Rs. 29,826
HTK Plus (O) Turbo	Petrol / Manual	Rs. 16,41,899	Rs. 14,40,497	Rs. 4,97,492	Rs. 30,962
HTK Plus Diesel	Diesel / Manual	Rs. 16,43,900	Rs. 14,42,260	Rs. 5,57,061	Rs. 31,000
HTK Plus Turbo 6Str DCT	Petrol / Automatic	Rs. 16,72,900	Rs. 14,67,799	Rs. 5,14,242	Rs. 31,549
HTK Plus Turbo DCT	Petrol / Automatic	Rs. 16,84,900	Rs. 14,78,366	Rs. 5,08,537	Rs. 31,776
HTK Plus (O) Diesel	Diesel / Manual	Rs. 17,21,900	Rs. 15,10,951	Rs. 5,79,950	Rs. 32,476
X-Line Turbo 6Str DCT	Petrol / Automatic	Rs. 17,28,276	Rs. 15,16,565	Rs. 5,22,382	Rs. 32,597
HTK Plus 6Str Diesel AT	Diesel / Automatic	Rs. 17,44,900	Rs. 15,31,206	Rs. 5,93,677	Rs. 32,912
HTK Plus Diesel AT	Diesel / Automatic	Rs. 17,44,900	Rs. 15,31,206	Rs. 5,85,277	Rs. 32,912
HTK Plus (O) Turbo 6Str DCT	Petrol / Automatic	Rs. 17,73,900	Rs. 15,56,745	Rs. 5,41,623	Rs. 33,461
HTK Plus (O) Turbo DCT	Petrol / Automatic	Rs. 17,85,900	Rs. 15,67,313	Rs. 5,36,717	Rs. 33,688
HTX Turbo	Petrol / Manual	Rs. 17,95,899	Rs. 15,76,118	Rs. 5,37,579	Rs. 33,877
HTX Turbo iMT	Petrol / Manual	Rs. 18,24,900	Rs. 16,01,658	Rs. 5,45,397	Rs. 34,426
HTX Plus Turbo	Petrol / Manual	Rs. 18,68,915	Rs. 16,40,420	Rs. 5,56,512	Rs. 35,259
HTX Diesel	Diesel / Manual	Rs. 19,00,899	Rs. 16,68,587	Rs. 6,33,055	Rs. 35,864
HTX Plus Turbo 6Str	Petrol / Manual	Rs. 19,03,900	Rs. 16,71,230	Rs. 5,66,022	Rs. 35,921
HTX Plus Turbo iMT 6Str	Petrol / Manual	Rs. 19,20,900	Rs. 16,86,201	Rs. 5,71,447	Rs. 36,243
HTX Plus Turbo iMT	Petrol / Manual	Rs. 19,32,900	Rs. 16,96,769	Rs. 5,74,441	Rs. 36,470
HTX (O) Turbo 6Str DCT	Petrol / Automatic	Rs. 19,49,899	Rs. 17,11,739	Rs. 5,87,565	Rs. 36,792
HTX (O) Turbo DCT	Petrol / Automatic	Rs. 19,61,900	Rs. 17,22,308	Rs. 5,91,059	Rs. 37,019
GTX Turbo 6Str DCT	Petrol / Automatic	Rs. 19,90,900	Rs. 17,47,847	Rs. 5,98,277	Rs. 37,568
HTX (O) A Turbo 6Str DCT	Petrol / Automatic	Rs. 19,95,900	Rs. 17,52,250	Rs. 5,99,708	Rs. 37,663
HTX (O) A Turbo DCT	Petrol / Automatic	Rs. 19,95,900	Rs. 17,52,250	Rs. 5,99,708	Rs. 37,663
GTX Turbo DCT	Petrol / Automatic	Rs. 19,99,900	Rs. 17,55,773	Rs. 6,00,872	Rs. 37,738
HTX Plus Turbo DCT	Petrol / Automatic	Rs. 21,06,900	Rs. 18,50,003	Rs. 6,21,950	Rs. 39,764
HTX Plus Turbo DCT 6Str	Petrol / Automatic	Rs. 21,06,900	Rs. 18,50,003	Rs. 6,20,450	Rs. 39,764
GTX Plus Turbo 6Str DCT	Petrol / Automatic	Rs. 21,66,899	Rs. 19,02,841	Rs. 6,49,119	Rs. 40,899
GTX Plus Turbo DCT	Petrol / Automatic	Rs. 21,78,900	Rs. 19,13,410	Rs. 6,52,613	Rs. 41,127
X-Line Turbo DCT	Petrol / Automatic	Rs. 21,78,900	Rs. 19,13,410	Rs. 6,52,613	Rs. 41,127

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EMI of Kia Carens Clavis Rivals – Ertiga, XUV 7XO, Scorpio N

Maruti Suzuki Ertiga
Rs. 8.90 Lakh
Ertiga EMI Compare with Carens Clavis
Kia Carens
Rs. 11.12 Lakh
Carens EMI Compare with Carens Clavis
Mahindra XUV 7XO
Rs. 13.99 Lakh
XUV 7XO EMI Compare with Carens Clavis
Mahindra Scorpio N
Rs. 13.69 Lakh
Scorpio N EMI Compare with Carens Clavis

Kia Carens Clavis EMI – Frequently Asked Questions

What is the starting EMI of the Kia Carens Clavis?

The Kia Carens Clavis EMI starts at ₹21,441 per month for the HTE petrol on a ₹9.98 Lakh loan at 10.5% for 60 months. Its on-road price in Delhi is ₹13.61 Lakh.

What is the minimum down payment for the Kia Carens Clavis?

About ₹3.63 Lakh for the HTE petrol in Delhi: the on-road price of ₹13.61 Lakh minus a ₹9.98 Lakh loan.

How much total interest will I pay on a Kia Carens Clavis loan?

On a ₹9.98 Lakh loan at 10.5% for 60 months you pay ₹2.89 Lakh in interest, or ₹12.86 Lakh in total.

What is the Kia Carens Clavis EMI for a 3-year versus a 7-year tenure?

For a ₹9.98 Lakh loan at 10.5%, the EMI is ₹32,422 per month over 3 years (₹1.70 Lakh interest) and ₹16,819 per month over 7 years (₹4.15 Lakh interest).

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

Of the banks listed on this page, Bank of Baroda starts lowest at 8.7%, which makes the EMI ₹20,562 per month on a ₹9.98 Lakh loan for 60 months.

What is the EMI of the Kia Carens Clavis diesel automatic?

The HTE (O) Diesel AT, the most affordable diesel automatic, costs ₹29,826 per month on a ₹13.88 Lakh loan at 10.5% for 60 months.

What is the EMI of the top Kia Carens Clavis variant?

The GTX Plus Turbo DCT costs ₹41,127 per month on a ₹19.13 Lakh loan at 10.5% for 60 months.

How is the Kia Carens Clavis down payment calculated?

Down payment is the on-road price minus the loan amount. ZigWheels finances 90% of the ex-showroom price, less the processing fee and one EMI paid in advance, so the down payment covers the rest of the ex-showroom price plus insurance, registration and other on-road charges.

Ask or read owner questions on Kia Carens Clavis Q&A

Kia Carens Clavis

Starts at Rs. 11.39 Lakh

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Kia Carens Clavis 2026 Brochure

Download brochure for detailed information of specifications, features & variants prices

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