Kia Seltos EMI Calculator

Updated on October 2026

Kia Seltos EMI starts at ₹21,176 per month for the HTE petrol (₹11.25 Lakh ex-showroom, ₹13.61 Lakh on-road Delhi), on a ₹9.85 Lakh loan at 10.5% for 60 months. Down payment: ₹3.76 Lakh. Total interest: ₹2.85 Lakh. The top GTX (O) Diesel AT costs ₹41,183/month.

Also see: Seltos On-road price | Seltos Variants | Seltos Offers

Kia Seltos HTE EMI & Down Payment

Ex-showroom

: Rs. 11,24,900

On-road price

: Rs. 13,61,193 (Delhi)

Loan amount

: Rs. 9,85,199 (On-road - Down payment)

Down payment

: Rs. 3,75,994 (On-road - Loan amount)

Monthly EMI

: Rs. 21,176 (For Tenure of 60 months @ 10.5%; banks start from 8.7%)

Insurance

: Rs. 54,154

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Kia Seltos Car Loan EMI Calculator

On-road price (Delhi): Rs. 13,61,193
Down payment: Rs. 3,75,994
Loan amount: Rs. 9,85,199
Interest rate: 10.5%
Tenure: 60 months
Monthly EMI: Rs. 21,176
Total interest: Rs. 2,85,361
Total payable: Rs. 12,70,560

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 Seltos Car Loan Interest Rates – Bank Comparison

Lending Partners	Interest Rate	EMI Starting From (60 Months)
HDFC Bank	8.85% onwards	Rs. 20,379 (60 months)
ICICI Bank	9% onwards	Rs. 20,451 (60 months)
Axis Bank	9.15% onwards	Rs. 20,523 (60 months)
Bank of Baroda	8.7% onwards	Rs. 20,308 (60 months)

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Kia Seltos EMI by Loan Tenure

For a Rs. 9,85,199 loan on the HTE petrol at 10.5%.

Tenure	EMI	Total Interest	Total Payable
36 months	Rs. 32,021	Rs. 1,67,557	Rs. 11,52,756
48 months	Rs. 25,224	Rs. 2,25,553	Rs. 12,10,752
60 months	Rs. 21,176	Rs. 2,85,361	Rs. 12,70,560
84 months	Rs. 16,611	Rs. 4,10,125	Rs. 13,95,324

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Kia Seltos

4.3 56 user reviews

Starts at ₹ 11.25 Lakh

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Kia Seltos Variant-wise EMI & Down Payment

Seltos Variants	Fuel/Transmission	Ex-showroom	Loan @10.5%	Down Payment	EMI (60 months)
HTE	Petrol / Manual	Rs. 11,24,900	Rs. 9,85,199	Rs. 3,75,994	Rs. 21,176
HTE (O)	Petrol / Manual	Rs. 12,41,900	Rs. 10,88,236	Rs. 4,07,333	Rs. 23,390
HTE Diesel	Diesel / Manual	Rs. 12,93,900	Rs. 11,34,030	Rs. 4,68,360	Rs. 24,375
HTK	Petrol / Manual	Rs. 13,41,900	Rs. 11,76,302	Rs. 4,33,747	Rs. 25,283
HTE (O) iVT	Petrol / Automatic	Rs. 13,71,900	Rs. 12,02,721	Rs. 4,41,932	Rs. 25,851
HTE (O) Diesel	Diesel / Manual	Rs. 14,03,899	Rs. 12,30,901	Rs. 5,01,185	Rs. 26,457
HTK (O)	Petrol / Manual	Rs. 14,51,900	Rs. 12,73,174	Rs. 4,63,024	Rs. 27,365
HTK iVT	Petrol / Automatic	Rs. 14,71,900	Rs. 12,90,787	Rs. 4,68,347	Rs. 27,744
HTK Diesel	Diesel / Manual	Rs. 15,03,900	Rs. 13,18,968	Rs. 5,31,100	Rs. 28,350
HTE (O) Diesel AT	Diesel / Automatic	Rs. 15,32,400	Rs. 13,44,066	Rs. 5,39,683	Rs. 28,889
HTK (O) iVT	Petrol / Automatic	Rs. 15,81,900	Rs. 13,87,659	Rs. 4,97,623	Rs. 29,826
HTX	Petrol / Manual	Rs. 15,91,900	Rs. 13,96,465	Rs. 5,00,185	Rs. 30,015
HTK (O) Diesel	Diesel / Manual	Rs. 16,13,899	Rs. 14,15,839	Rs. 5,63,926	Rs. 30,432
HTK Diesel AT	Diesel / Automatic	Rs. 16,33,900	Rs. 14,33,453	Rs. 5,69,750	Rs. 30,810
HTK (O) Turbo DCT	Petrol / Automatic	Rs. 16,61,900	Rs. 14,58,111	Rs. 5,18,615	Rs. 31,340
HTX A	Petrol / Manual	Rs. 17,01,900	Rs. 14,93,338	Rs. 5,29,560	Rs. 32,098
HTX iVT	Petrol / Automatic	Rs. 17,21,900	Rs. 15,10,951	Rs. 5,34,683	Rs. 32,476
HTK (O) Diesel AT	Diesel / Automatic	Rs. 17,43,900	Rs. 15,30,325	Rs. 6,03,076	Rs. 32,893
HTX Diesel	Diesel / Manual	Rs. 17,53,899	Rs. 15,39,131	Rs. 6,05,786	Rs. 33,082
HTX Turbo DCT	Petrol / Automatic	Rs. 18,01,900	Rs. 15,81,403	Rs. 5,55,975	Rs. 33,991
HTX A iVT	Petrol / Automatic	Rs. 18,31,900	Rs. 16,07,823	Rs. 5,63,860	Rs. 34,558
HTX A Diesel	Diesel / Manual	Rs. 18,63,900	Rs. 16,36,004	Rs. 6,39,113	Rs. 35,164
GTX iVT	Petrol / Automatic	Rs. 18,71,900	Rs. 16,43,049	Rs. 5,74,706	Rs. 35,316
HTX Diesel AT	Diesel / Automatic	Rs. 18,83,900	Rs. 16,53,617	Rs. 6,44,936	Rs. 35,543
HTX A Turbo DCT	Petrol / Automatic	Rs. 19,11,900	Rs. 16,78,275	Rs. 5,86,752	Rs. 36,073
GTX Turbo DCT	Petrol / Automatic	Rs. 19,51,900	Rs. 17,13,501	Rs. 5,97,498	Rs. 36,830
X-Line A iVT	Petrol / Automatic	Rs. 19,81,900	Rs. 17,39,921	Rs. 6,05,382	Rs. 37,398
GTX A iVT	Petrol / Automatic	Rs. 19,81,900	Rs. 17,39,921	Rs. 6,05,382	Rs. 37,398
HTX A Diesel AT	Diesel / Automatic	Rs. 19,93,900	Rs. 17,50,489	Rs. 6,78,063	Rs. 37,625
GTX A Turbo DCT	Petrol / Automatic	Rs. 19,99,900	Rs. 17,55,773	Rs. 6,09,672	Rs. 37,738
GTX Diesel AT	Diesel / Automatic	Rs. 19,99,900	Rs. 17,55,773	Rs. 6,79,269	Rs. 37,738
X-Line A Turbo DCT	Petrol / Automatic	Rs. 19,99,900	Rs. 17,55,773	Rs. 6,09,672	Rs. 37,738
X-Line A Diesel AT	Diesel / Automatic	Rs. 20,32,400	Rs. 17,84,394	Rs. 6,89,756	Rs. 38,354
GTX A Diesel AT	Diesel / Automatic	Rs. 20,32,400	Rs. 17,84,394	Rs. 6,89,756	Rs. 38,354
GTX (O) Turbo DCT	Petrol / Automatic	Rs. 21,56,900	Rs. 18,94,036	Rs. 5,97,057	Rs. 40,710
X-Line (O) Turbo DCT	Petrol / Automatic	Rs. 21,56,900	Rs. 18,94,036	Rs. 5,97,057	Rs. 40,710
GTX (O) Diesel AT	Diesel / Automatic	Rs. 21,81,900	Rs. 19,16,052	Rs. 6,80,078	Rs. 41,183
X-Line (O) Diesel AT	Diesel / Automatic	Rs. 21,81,900	Rs. 19,16,052	Rs. 6,80,078	Rs. 41,183

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EMI of Kia Seltos Rivals – Creta, Sierra, Grand Vitara

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Kia Seltos EMI – Frequently Asked Questions

What is the starting EMI of the Kia Seltos?

The Kia Seltos EMI starts at ₹21,176 per month for the HTE petrol on a ₹9.85 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 Seltos?

About ₹3.76 Lakh for the HTE petrol in Delhi: the on-road price of ₹13.61 Lakh minus a ₹9.85 Lakh loan.

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

On a ₹9.85 Lakh loan at 10.5% for 60 months you pay ₹2.85 Lakh in interest, or ₹12.71 Lakh in total.

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

For a ₹9.85 Lakh loan at 10.5%, the EMI is ₹32,021 per month over 3 years (₹1.68 Lakh interest) and ₹16,611 per month over 7 years (₹4.10 Lakh interest).

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

Of the banks listed on this page, Bank of Baroda starts lowest at 8.7%, which makes the EMI ₹20,308 per month on a ₹9.85 Lakh loan for 60 months.

What is the EMI of the Kia Seltos diesel automatic?

The HTE (O) Diesel AT, the most affordable diesel automatic, costs ₹28,889 per month on a ₹13.44 Lakh loan at 10.5% for 60 months.

What is the EMI of the top Kia Seltos variant?

The GTX (O) Diesel AT costs ₹41,183 per month on a ₹19.16 Lakh loan at 10.5% for 60 months.

How is the Kia Seltos 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 Seltos Q&A

Kia Seltos

4.3 56 user reviews

Starts at Rs. 11.25 Lakh

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Kia Seltos 2026 Brochure

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

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