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Kia Seltos Price & EMI Plan 2026: Bring Home This Premium SUV With ₹2 Lakh Down Payment

Vikram Singh
By Vikram Singh
3 min read
Published: 05 Mar 2026
Kia Seltos Price & EMI Plan 2026: Bring Home This Premium SUV With ₹2 Lakh Down Payment
Kia Seltos Price and EMI Details 2026: The Kia Seltos, which has long reigned supreme on Indian roads, now arrives in its new and updated avatar, boasting even more rugged and premium features. If you’re looking for a mid-size SUV that not only looks killer but also feels powerful to drive, the new Seltos is the perfect choice. If you’d prefer to buy it in installments rather than paying the full amount, we’ll tell you how much your monthly EMI will be after an initial down payment of just ₹2 lakh.

Kia Seltos On-Road Price

There’s a significant difference between the ex-showroom price and the on-road price, which is crucial for your budget. The base variant of the Kia Seltos starts at ₹1099,000 (ex-showroom), but this includes approximately ₹109,900 (RTO) as road tax.
Additionally, you’ll need to pay approximately ₹53,201 for vehicle insurance and an additional ₹10,990 for other minor expenses. Including all these taxes and other necessary expenses, the total on-road price of this SUV comes to approximately ₹13,33,191. This price may vary slightly depending on state tax regulations and dealership offers, so it’s best to contact your nearest showroom for a final quote.

Finance and EMI Calculation

If you’re looking to add a base variant of the Kia Seltos to your garage through financing, the loan structure is quite simple. If you make an initial down payment of ₹200,000 at the showroom, you’ll need to take out a car loan from a bank for the remaining amount, which is approximately ₹11,33,191.
Currently, if a bank offers you a loan at an annual interest rate of 10 percent and you choose a 5-year repayment period (60 months), your monthly EMI will be approximately ₹24,085. Over this 5-year period, you’ll pay a total of ₹311,537 in interest alone, bringing the total cost of this vehicle, including financing, to approximately ₹1645,128. This is a great deal for middle-class families looking to upgrade their lifestyle without depleting their savings.

Powerful Engine and Performance

Kia Seltos Hybrid 2026

Even in the base variant of the new Kia Seltos, the company hasn’t compromised on power, offering a powerful 1493 cc, 4-cylinder engine that produces 114 bhp of peak power and 250 Nm of peak torque. This engine not only provides a smooth driving experience in heavy city traffic but also gives you complete confidence when overtaking on the highway. The car’s design is now more spacious than ever, measuring 4460 mm in length and 1830 mm in width, significantly increasing cabin space. It also boasts a large boot space of 447 liters, which is ample for your luggage on long family trips.

Premium Features and Safety

Kia has equipped even its base variant, the HTE, with several essential and premium features that make it a value-for-money car. For driver convenience, features like a height-adjustable seat, cruise control, keyless entry, and an engine start-stop button are included.
Advanced parking sensors are also included to make parking safe and easy. The Seltos also proves to be quite reliable on the safety front, with features like anti-lock braking system (ABS), central locking, and child safety locks as standard. Its sturdy build quality and excellent road grip make it an ideal and safe family SUV that will keep you company in all weather conditions and on all terrains.
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