Kia Seltos EMI calculator
Calculate the Kia Seltos 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 ₹20,760 a month, for the HTE Petrol MT at ₹12.35 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
- ₹9,88,272
- Interest over 5 years
- ₹2,57,328
- Total paid, down payment included
- ₹14,92,668
Year-by-year scheduleHow each year's payments split between interest and the loan
2026₹25,966₹15,545₹9,62,306
2027₹1,64,697₹84,370₹7,97,610
2028₹1,81,042₹68,026₹6,16,568
2029₹1,99,010₹50,056₹4,17,558
2030₹2,18,761₹30,304₹1,98,797
2031₹1,98,798₹8,758₹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 Seltos'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 Seltos 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 | ₹12.35 lakh | about ₹20,760 |
| HTE(O) Petrol MT | ₹13.93 lakh | about ₹23,400 |
| HTE Diesel MT | ₹14.83 lakh | about ₹24,920 |
| HTE(O) Turbo Petrol MT | ₹14.82 lakh | about ₹24,900 |
| HTK Petrol MT | ₹15.04 lakh | about ₹25,270 |
| HTE(O) Petrol AT | ₹15.37 lakh | about ₹25,830 |
| HTE(O) Diesel MT | ₹16.08 lakh | about ₹27,010 |
| HTK Turbo Petrol MT | ₹15.93 lakh | about ₹26,760 |
| HTK(O) Petrol MT | ₹16.26 lakh | about ₹27,320 |
| HTK Petrol AT | ₹16.48 lakh | about ₹27,690 |
| HTK Diesel MT | ₹17.21 lakh | about ₹28,920 |
| HTK(O) Turbo Petrol MT | ₹17.13 lakh | about ₹28,770 |
| HTE(O) Diesel AT | ₹17.53 lakh | about ₹29,460 |
| HTK(O) Petrol AT | ₹17.70 lakh | about ₹29,740 |
| HTX Petrol MT | ₹17.81 lakh | about ₹29,930 |
| HTK(O) Diesel MT | ₹18.46 lakh | about ₹31,020 |
| HTK Diesel AT | ₹18.69 lakh | about ₹31,400 |
| HTK(O) Turbo Petrol AT | ₹18.59 lakh | about ₹31,240 |
| HTX(A) Petrol MT | ₹19.04 lakh | about ₹31,980 |
| HTX Petrol AT | ₹19.26 lakh | about ₹32,360 |
| HTK(O) Diesel AT | ₹19.94 lakh | about ₹33,500 |
| HTX Diesel MT | ₹20.05 lakh | about ₹33,690 |
| HTX Turbo Petrol AT | ₹20.15 lakh | about ₹33,850 |
| HTX(A) Petrol AT | ₹20.48 lakh | about ₹34,410 |
| HTX(A) Diesel MT | ₹21.30 lakh | about ₹35,790 |
| GTX Petrol AT | ₹20.92 lakh | about ₹35,150 |
| X-Line Petrol AT | ₹20.92 lakh | about ₹35,150 |
| HTX Diesel AT | ₹21.53 lakh | about ₹36,170 |
| HTX(A) Turbo Petrol AT | ₹21.37 lakh | about ₹35,900 |
| GTX Turbo Petrol AT | ₹21.81 lakh | about ₹36,650 |
| X-Line Turbo Petrol AT | ₹21.81 lakh | about ₹36,650 |
| GTX(A) Petrol AT | ₹22.14 lakh | about ₹37,200 |
| X-Line(A) Petrol AT | ₹22.14 lakh | about ₹37,200 |
| HTX(A) Diesel AT | ₹22.78 lakh | about ₹38,270 |
| GTX(A) Turbo Petrol AT | ₹22.34 lakh | about ₹37,540 |
| X-Line(A) Turbo Petrol AT | ₹22.34 lakh | about ₹37,540 |
| GTX Diesel AT | ₹22.84 lakh | about ₹38,380 |
| X-Line Diesel AT | ₹22.84 lakh | about ₹38,380 |
| GTX(A) Diesel AT | ₹23.21 lakh | about ₹38,990 |
| X-Line(A) Diesel AT | ₹23.21 lakh | about ₹38,990 |
| GTX(O) Turbo Petrol AT | ₹24.09 lakh | about ₹40,470 |
| X-Line(O) Turbo Petrol AT | ₹24.09 lakh | about ₹40,470 |
| GTX(O) Diesel AT | ₹24.91 lakh | about ₹41,850 |
| X-Line(O) Diesel AT | ₹24.91 lakh | about ₹41,850 |
What goes into the on-road total? The Kia Seltos on-road price page itemises it, state by state. And which Seltos variant to buy says where the money works hardest.
The Seltos ladder, a month at a time
Seven of the 44 variants, spread up the ladder; the table above has every one.
- HTE Petrol MT₹20,760
- HTE(O) Diesel MT₹27,010
- HTX Petrol MT₹29,930
- HTX Turbo Petrol AT₹33,850
- GTX Turbo Petrol AT₹36,650
- GTX Diesel AT₹38,380
- X-Line(O) Diesel AT₹41,850
Worth knowing before you sign the loan
- From ₹20,760 to ₹41,850 a month across the ladder: the X-Line(O) Diesel AT costs ₹21,090 a month more than the HTE Petrol MT, ₹12,65,400 over the 5 years.
- The biggest jump between neighbours on the ladder is the HTE Petrol MT to the HTE(O) Petrol MT: ₹2,640 a month more for that one move up.
- On the road in Delhi rather than ex-showroom, the HTE Petrol MT's instalment is ₹20,760 a month instead of ₹18,480: ₹2,280 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 ₹25,000 a monthreaches theHTE Diesel MTat about ₹24,920
- About ₹30,000 a monthreaches theHTX Petrol MTat about ₹29,930
- About ₹35,000 a monthreaches theHTX(A) Petrol ATat about ₹34,410
- About ₹40,000 a monthreaches theGTX(A) Diesel ATor theX-Line(A) Diesel ATeach at about ₹38,990
The top is shared by the GTX(O) Diesel AT and the X-Line(O) Diesel AT, each at about ₹41,850 a month.
Kia Seltos EMI, answered
The monthly figure, the down payment, and which price to finance.
- What is the monthly EMI for the Kia Seltos?
- From about ₹20,760 a month, up to about ₹41,850 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 Seltos 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 ₹20,760 a month. From there about ₹25,000 a month reaches the HTE Diesel MT, about ₹30,000 a month reaches the HTX Petrol MT, about ₹35,000 a month reaches the HTX(A) Petrol AT, about ₹40,000 a month reaches the GTX(A) Diesel AT or the X-Line(A) Diesel AT at the same figure, and the top is shared by the GTX(O) Diesel AT and the X-Line(O) Diesel AT, each at about ₹41,850. 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 Seltos need?
- At 20% down on the on-road price in Delhi, the upfront amount runs from ₹2,47,068 on the HTE Petrol MT to ₹4,98,182 on the GTX(O) Diesel 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 Seltos 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 Seltos page holds every variant, each carrying it pre-filled.