Kia Carens EMI Calculator


Updated on October 2026
Kia Carens EMI starts at ₹20,930 per month for the Premium Opt petrol (₹11.12 Lakh ex-showroom, ₹13.27 Lakh on-road Angul), on a ₹9.74 Lakh loan at 10.5% for 60 months. Down payment: ₹3.54 Lakh. Total interest: ₹2.82 Lakh. The top Premium Opt Diesel costs ₹24,450/month.
Also see: Carens On-road price | Carens Variants | Carens Offers

Kia Carens Premium Opt EMI & Down Payment

Ex-showroom
: Rs. 11,11,900
On-road price
: Rs. 13,27,438  (Angul)
Loan amount
: Rs. 9,73,751  (On-road - Down payment)
Down payment
: Rs. 3,53,687  (On-road - Loan amount)
Monthly EMI
: Rs. 20,930  (For Tenure of 60 months @ 10.5%; banks start from 8.7%)
Insurance
: Rs. 52,529
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Kia Carens Car Loan EMI Calculator

On-road price (Angul)
Rs. 13,27,438
Down payment
Rs. 3,53,687
Loan amount
Rs. 9,73,751
Interest rate
10.5%
Tenure
60 months
Monthly EMI
Rs. 20,930
Total interest
Rs. 2,82,049
Total payable
Rs. 12,55,800
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
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Kia Carens Car Loan Interest Rates – Bank Comparison

Lending Partners Interest Rate EMI Starting From (60 Months)
Loans From HDFC BankHDFC Bank 8.85% onwards Rs. 20,143 (60 months)
Loans From ICICI BankICICI Bank 9% onwards Rs. 20,213 (60 months)
Loans From Axis BankAxis Bank 9.15% onwards Rs. 20,284 (60 months)
Loans From Bank of Baroda BankBank of Baroda 8.7% onwards Rs. 20,072 (60 months)
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Kia Carens EMI by Loan Tenure

For a Rs. 9,73,751 loan on the Premium Opt petrol at 10.5%.

Tenure EMI Total Interest Total Payable
36 months Rs. 31,649 Rs. 1,65,613 Rs. 11,39,364
48 months Rs. 24,931 Rs. 2,22,937 Rs. 11,96,688
60 months Rs. 20,930 Rs. 2,82,049 Rs. 12,55,800
84 months Rs. 16,418 Rs. 4,05,361 Rs. 13,79,112
Kia Carens
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Kia Carens
4.4 142 user reviews
Starts at ₹ 11.12 Lakh
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Kia Carens Variant-wise EMI & Down Payment

Carens Variants Fuel/Transmission Ex-showroom Loan @10.5% Down Payment EMI (60 months)
Premium Opt Petrol / Manual Rs. 11,11,900 Rs. 9,73,751 Rs. 3,53,687 Rs. 20,930
Premium Opt CNG CNG / Manual Rs. 12,11,800 Rs. 10,61,728 Rs. 3,94,273 Rs. 22,821
Premium Opt Diesel Diesel / Manual Rs. 12,97,900 Rs. 11,37,553 Rs. 4,04,499 Rs. 24,450

EMI of Kia Carens Rivals – Ertiga, XL6, Victoris

Kia Carens EMI – Frequently Asked Questions

What is the starting EMI of the Kia Carens?

The Kia Carens EMI starts at ₹20,930 per month for the Premium Opt petrol on a ₹9.74 Lakh loan at 10.5% for 60 months. Its on-road price in Angul is ₹13.27 Lakh.

What is the minimum down payment for the Kia Carens?

About ₹3.54 Lakh for the Premium Opt petrol in Angul: the on-road price of ₹13.27 Lakh minus a ₹9.74 Lakh loan.

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

On a ₹9.74 Lakh loan at 10.5% for 60 months you pay ₹2.82 Lakh in interest, or ₹12.56 Lakh in total.

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

For a ₹9.74 Lakh loan at 10.5%, the EMI is ₹31,649 per month over 3 years (₹1.66 Lakh interest) and ₹16,418 per month over 7 years (₹4.05 Lakh interest).

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

Of the banks listed on this page, Bank of Baroda starts lowest at 8.7%, which makes the EMI ₹20,072 per month on a ₹9.74 Lakh loan for 60 months.

What is the EMI of the top Kia Carens variant?

The Premium Opt Diesel costs ₹24,450 per month on a ₹11.38 Lakh loan at 10.5% for 60 months.

How is the Kia Carens 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.

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Kia Carens
Kia Carens
4.4 142 user reviews
Starts at Rs. 11.12 Lakh
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