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 HTX A Diesel EMI

Front three-quarter view of a light silver/mint Kia Seltos HTX in a desert setting, emphasizing the redesigned front fascia.

DieselFuel Type

20.7 Km/LFuel Efficiency

1,493 ccDisplacement

Price Breakup

New Delhi

Ex-Showroom Price:₹18,29,000

RTO:₹2,28,625

Insurance:₹47,554

Others:₹18,290

On-Road Price:₹21,23,469

EMI

Down Payment Amount ₹ 2,12,347

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

₹43,948/Month

Loan Amount Breakdown

Downpayment₹2,12,347

RTO New Delhi₹2,28,625

Insurance₹47,554

Loan Amount₹19,11,122

Your estimated EMI is ₹38,842 per month for 60 installments over 5 years. Total interest payable is approximately ₹4,19,409.

EMI Recommendation

Your Monthly Take Home Income in ₹

Not AdvisableYour monthly EMI will be around ₹38,842, which is about 77.68% of your monthly take home salary. It is not financially advisable to purchase the Kia Seltos HTX A Diesel 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