Kia Carens Clavis EMI calculator
Calculate the Kia Carens Clavis EMI on the on-road price, not the ex-showroom price: on-road is the full amount you actually pay, and the amount a loan has to cover.
EMIs start from about ₹21,260 a month, for the HTE Petrol MT at ₹12.65 lakh on the road in Delhi.
At 9.5% a year over 5 years with 20% down. Every variant's figure is below, and each one moves with your own rate, tenure and down payment.
This starts on the full on-road price in Delhi, with road tax, registration and insurance included. Drag it to the variant you want.
Rates differ by lender and credit record. Drag this to the rate your bank actually quotes you.
- Amount financed
- ₹10,12,248
- Interest over 5 years
- ₹2,63,352
- Total paid, down payment included
- ₹15,28,662
Year-by-year scheduleHow each year's payments split between interest and the loan
2026₹26,595₹15,923₹9,85,652
2027₹1,68,692₹86,417₹8,16,960
2028₹1,85,434₹69,676₹6,31,526
2029₹2,03,838₹51,273₹4,27,688
2030₹2,24,069₹31,040₹2,03,620
2031₹2,03,619₹8,971₹0
Arithmetic on your inputs, not a loan offer: lenders set their own rates, fees and margins, and the quote that matters is theirs.
The price slider spans the Kia Carens Clavis's own range. Open a variant below and this calculator arrives with that variant's exact price already in place, on-road for your city.
EMI for every Kia Carens Clavis variant
On-road price in Delhi and the monthly figure at 9.5% a year over 5 years with 20% down. Starting points, not quotes: the calculator recomputes them the moment you set your own numbers.
Your road tax depends on where you register. and every figure on this page moves to yours.
| Variant | On-road in Delhi | EMI a month |
|---|---|---|
| HTE Petrol MT | ₹12.65 lakh | about ₹21,260 |
| HTE (O) Petrol MT | ₹13.72 lakh | about ₹23,050 |
| HTE CNG MT | ₹13.90 lakh | about ₹23,350 |
| HTE (EX) Petrol MT | ₹14.28 lakh | about ₹24,000 |
| HTE (O) Turbo Petrol MT | ₹14.68 lakh | about ₹24,670 |
| HTE Diesel MT | ₹15.17 lakh | about ₹25,490 |
| HTE (O) CNG MT | ₹14.96 lakh | about ₹25,140 |
| HTE (EX) Turbo Petrol MT | ₹15.29 lakh | about ₹25,700 |
| HTE (O) Diesel MT | ₹16.32 lakh | about ₹27,420 |
| HTE (EX) Diesel MT | ₹16.90 lakh | about ₹28,390 |
| HTK+ Turbo Petrol MT | ₹17.10 lakh | about ₹28,740 |
| HTK+ (O) Turbo Petrol MT | ₹18.24 lakh | about ₹30,640 |
| HTK+ Diesel MT | ₹18.67 lakh | about ₹31,360 |
| HTK+ Turbo Petrol AT | ₹18.71 lakh | about ₹31,440 |
| HTK+ (O) Diesel MT | ₹19.55 lakh | about ₹32,850 |
| HTK+ Diesel AT | ₹19.95 lakh | about ₹33,520 |
| HTK+ (O) Turbo Petrol AT | ₹19.83 lakh | about ₹33,330 |
| HTX Turbo Petrol MT | ₹20.08 lakh | about ₹33,740 |
| HTX Turbo Petrol iMT | ₹20.40 lakh | about ₹34,280 |
| HTX+ Turbo Petrol MT | ₹20.89 lakh | about ₹35,100 |
| HTX (Diesel) Diesel MT | ₹21.58 lakh | about ₹36,260 |
| HTX+ Turbo Petrol iMT | ₹21.47 lakh | about ₹36,070 |
| HTX (O) Turbo Petrol AT | ₹21.79 lakh | about ₹36,610 |
| GTX Turbo Petrol AT | ₹22.24 lakh | about ₹37,370 |
| HTX (O) A Turbo Petrol AT | ₹22.30 lakh | about ₹37,470 |
| HTX+ DCT Turbo Petrol AT | ₹23.40 lakh | about ₹39,310 |
| GTX+ Turbo Petrol AT | ₹24.20 lakh | about ₹40,650 |
| X-Line Turbo Petrol AT | ₹24.20 lakh | about ₹40,650 |
What goes into the on-road total? The Kia Carens Clavis on-road price page itemises it, state by state. And which Carens Clavis variant to buy says where the money works hardest.
The Carens Clavis ladder, a month at a time
Seven of the 28 variants, spread up the ladder; the table above has every one.
- HTE Petrol MT₹21,260
- HTE (O) CNG MT₹25,140
- HTE (EX) Diesel MT₹28,390
- HTK+ (O) Diesel MT₹32,850
- HTX Turbo Petrol iMT₹34,280
- GTX Turbo Petrol AT₹37,370
- X-Line Turbo Petrol AT₹40,650
Worth knowing before you sign the loan
- From ₹21,260 to ₹40,650 a month across the ladder: the X-Line Turbo Petrol AT costs ₹19,390 a month more than the HTE Petrol MT, ₹11,63,400 over the 5 years.
- The biggest jump between neighbours on the ladder is the HTK+ Turbo Petrol MT to the HTK+ (O) Turbo Petrol MT: ₹1,900 a month more for that one move up.
- On the road in Delhi rather than ex-showroom, the HTE Petrol MT's instalment is ₹21,260 a month instead of ₹18,940: ₹2,320 a month more, because road tax and registration are in the loan too.
What your monthly budget buys
Shopping on the instalment rather than the price? At 9.5% a year over 5 years with 20% down on the on-road price in Delhi, here is the variant each monthly budget reaches.
- About ₹22,000 a monthreaches theHTE Petrol MTat about ₹21,260
- About ₹24,000 a monthreaches theHTE (EX) Petrol MTat about ₹24,000
- About ₹26,000 a monthreaches theHTE (EX) Turbo Petrol MTat about ₹25,700
- About ₹28,000 a monthreaches theHTE (O) Diesel MTat about ₹27,420
The top is shared by the GTX+ Turbo Petrol AT and the X-Line Turbo Petrol AT, each at about ₹40,650 a month.
Kia Carens Clavis EMI, answered
The monthly figure, the down payment, and which price to finance.
- What is the monthly EMI for the Kia Carens Clavis?
- From about ₹21,260 a month, up to about ₹40,650 on the top variant, at 9.5% a year over 5 years with 20% down on the on-road price in Delhi. These are starting points, not quotes: your bank's rate and your own down payment move the figure, and the calculator on this page recomputes it as you set them.
- Which Kia Carens Clavis variant fits my monthly budget?
- At 9.5% a year over 5 years with 20% down on the on-road price in Delhi, the HTE Petrol MT is the way in at about ₹21,260 a month. From there about ₹24,000 a month reaches the HTE (EX) Petrol MT, about ₹26,000 a month reaches the HTE (EX) Turbo Petrol MT, about ₹28,000 a month reaches the HTE (O) Diesel MT, and the top is shared by the GTX+ Turbo Petrol AT and the X-Line Turbo Petrol AT, each at about ₹40,650. Treat those as starting points rather than quotes: your own rate, tenure and down payment move every one of them, and stretching the tenure brings a dearer variant inside the same instalment at the cost of more interest overall.
- How much down payment does the Kia Carens Clavis need?
- At 20% down on the on-road price in Delhi, the upfront amount runs from ₹2,53,062 on the HTE Petrol MT to ₹4,83,942 on the GTX+ Turbo Petrol AT. That share is yours to choose: the calculator accepts anything from 0% to 90%, and a bigger down payment trades cash today for a smaller EMI every month.
- Should the Kia Carens Clavis EMI be on the ex-showroom or the on-road price?
- On-road. Ex-showroom leaves out road tax, registration and insurance, which is real money a loan usually has to cover, so every figure on this page is on the on-road price in Delhi. The city in the header decides which city that is.
Looking at a different car? The car loan EMI calculator works with any price, and the Kia Carens Clavis page holds every variant, each carrying it pre-filled.