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 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:₹17,19,000

RTO:₹2,14,875

Insurance:₹44,694

Others:₹17,190

On-Road Price:₹19,95,759

EMI

Down Payment Amount ₹ 1,99,576

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

₹41,425/Month

Loan Amount Breakdown

Downpayment₹1,99,576

RTO New Delhi₹2,14,875

Insurance₹44,694

Loan Amount₹17,96,183

Your estimated EMI is ₹36,506 per month for 60 installments over 5 years. Total interest payable is approximately ₹3,94,185.

EMI Recommendation

Your Monthly Take Home Income in ₹

Not AdvisableYour monthly EMI will be around ₹36,506, which is about 73.01% of your monthly take home salary. It is not financially advisable to purchase the Kia Seltos HTX 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