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 HTK Opt Diesel EMI

: Front three-quarter view of a white Kia Seltos HTK variant on a yellow background, highlighting the "Tiger Nose" grille.

DieselFuel Type

20.7 Km/LFuel Efficiency

1,493 ccDisplacement

Price Breakup

New Delhi

Ex-Showroom Price:₹15,79,000

RTO:₹1,97,375

Insurance:₹41,054

Others:₹15,790

On-Road Price:₹18,33,219

EMI

Down Payment Amount ₹ 1,83,322

Interest Rate 8.1%

Tenure 5 Years

Running Cost

Diesel Price ₹101.3/Litre

Monthly Running 750 KMs

Monthly Maintenance ₹1,249

Total Monthly Expense

₹38,452/Month

Loan Amount Breakdown

Downpayment₹1,83,322

RTO New Delhi₹1,97,375

Insurance₹41,054

Loan Amount₹16,49,897

Your estimated EMI is ₹33,533 per month for 60 installments over 5 years. Total interest payable is approximately ₹3,62,082.

EMI Recommendation

Your Monthly Take Home Income in ₹

CriticalYour monthly EMI will be around ₹33,533, which is about 67.07% of your monthly take home salary. This is well beyond a financially comfortable limit. Buying the Kia Seltos HTK Opt Diesel could significantly affect your ability to manage daily expenses and save for emergencies.

Value after 5 Years

Time Period5 Years

Kilometers75,000 KMs

ConditionGood

Value after 5 Years