How is car EMI calculated?

Car EMI is calculated from the loan amount, interest rate and loan tenure after subtracting the down payment from the selected car price.

Can I calculate car running cost with EMI?

Yes, the CarWyapar EMI calculator can estimate EMI, fuel cost and maintenance to show an approximate monthly expense.

Car EMI Planner

A car is a big financial investment. CarWyapar offers a free EMI planner and monthly expense calculator for you to find the best car in your budget.

Kia Seltos 1st Gen 2019 25 Seltos HTX Diesel AT EMI

DieselFuel Type

19.1 Km/LFuel Efficiency

1,497 ccDisplacement

Price Breakup

New Delhi

Ex-Showroom Price:₹18,02,313

RTO:₹2,25,289

Insurance:₹46,860

Others:₹18,023

On-Road Price:₹20,92,485

EMI

Down Payment Amount ₹ 2,09,249

Interest Rate 8.1%

Tenure 5 Years

Running Cost

Diesel Price ₹101.3/Litre

Monthly Running 750 KMs

Monthly Maintenance ₹1,436

Total Monthly Expense

₹43,689/Month

Loan Amount Breakdown

Downpayment₹2,09,249

RTO New Delhi₹2,25,289

Insurance₹46,860

Loan Amount₹18,83,236

Your estimated EMI is ₹38,275 per month for 60 installments over 5 years. Total interest payable is approximately ₹4,13,290.

EMI Recommendation

Your Monthly Take Home Income in ₹

Not AdvisableYour monthly EMI will be around ₹38,275, which is about 76.55% of your monthly take home salary. It is not financially advisable to purchase the Kia Seltos 1st Gen 2019 25 Seltos HTX Diesel AT at your current income level. Consider increasing your down payment, selecting a more affordable variant, or waiting until your income grows.

Value after 5 Years

Time Period5 Years

Kilometers75,000 KMs

ConditionGood

Value after 5 Years