Creta EMI Calculator: On Road Price and Down Payment by Variant

Creta on road price calculator

Variant and city

Model

Variant

CityAny Indian city with Creta demand is listed once the page's script loads.

On road in Delhi

₹12,81,651

EMI a month

₹21,284

E 1.5 MPi Petrol 6-speed MT. Ex-showroom ₹10,90,700 as on 1 November 2026.

Loan ₹10,25,321
Interest ₹2,51,719
Total paid ₹12,77,040

EMI at 20% down (₹2,56,330), 9% a year, 5 years. Example inputs: replace them with your loan's terms.

On road price, line by line
Ex-showroom price	Hyundai	10,90,700
Road tax	state	1,09,070
Registration fee	state	600
Smart card fee	state	200
High-security registration plate	state	1,100
Postal fee	state	30
MCD parking fee	city	15,000
TCS (1% above ₹10,00,000 ex-showroom)	central tax	10,907
Third-party insurance, 3 years	insurer	10,640
Own-damage insurance, 1 year	insurer	33,986
Personal accident cover	insurer	750
GST on insurance	central tax	8,168
FASTag	dealer	500
On road price		12,81,651

The on road figure adds Delhi road tax, registration and fees, the MCD parking fee, TCS at 1% because the ex-showroom price is above ₹10,00,000, insurance (three-year third party and one-year own damage on an insured value of 95% of ex-showroom at the zone A rate, with personal accident cover and GST) and a FASTag to the ex-showroom price. It excludes a loan's hypothecation fee, accessories, extended warranty and handling charges.

Pick any Creta, Creta N Line or Creta Electric variant and any city, and the calculator lists every line of the on road price, then works out the EMI on your own down payment, rate and tenure. The same base model costs ₹11,83,719 on the road in Dadra and Nagar Haveli and Daman and Diu and ₹13,63,716 in Karnataka.

Creta EMI calculator

The loan in these figures is the on road price less the down payment, so it also pays for the road tax and insurance. At the example terms and on Delhi on road prices, the EMI runs from ₹21,284 a month on the E 1.5 MPi Petrol 6-speed MT to ₹41,068 on the King Lounge 1.5 CRDi Diesel 6-speed AT, dual tone. The calculator above reworks any row on your own terms.

Creta EMI per month by variant

**EMI by variant, Delhi on road price.** Example inputs: 20% down, 9% a year, 5 years.
Variant	On road (₹)	Down payment (₹)	EMI a month (₹)
E 1.5 MPi Petrol 6-speed MT	12,81,651	2,56,330	21,284
EX 1.5 MPi Petrol 6-speed MT	14,29,676	2,85,935	23,742
E 1.5 CRDi Diesel 6-speed MT	15,23,471	3,04,694	25,300
EX(O) 1.5 MPi Petrol 6-speed MT	15,52,953	3,10,591	25,789
EX 1.5 CRDi Diesel 6-speed MT	16,54,709	3,30,942	27,479
S(O) 1.5 MPi Petrol 6-speed MT	16,75,085	3,35,017	27,818
S(O) Knight 1.5 MPi Petrol 6-speed MT	16,96,299	3,39,260	28,170
EX(O) 1.5 MPi Petrol IVT	17,08,341	3,41,668	28,370
SX 1.5 MPi Petrol 6-speed MT	17,71,069	3,54,214	29,412
EX(O) 1.5 CRDi Diesel 6-speed MT	17,80,322	3,56,064	29,565
SX 1.5 MPi Petrol 6-speed MT, dual tone	17,88,271	3,57,654	29,697
S(O) 1.5 MPi Petrol IVT	18,41,366	3,68,273	30,579
S(O) 1.5 CRDi Diesel 6-speed MT	19,10,975	3,82,195	31,735
SX Premium 1.5 MPi Petrol 6-speed MT	19,19,920	3,83,984	31,884
S(O) Knight 1.5 CRDi Diesel 6-speed MT	19,32,652	3,86,530	32,095
SX Premium 1.5 MPi Petrol 6-speed MT, dual tone	19,37,121	3,87,424	32,169
EX(O) 1.5 CRDi Diesel 6-speed AT	19,38,512	3,87,702	32,192
King 1.5 MPi Petrol 6-speed MT	20,27,257	4,05,451	33,666
King 1.5 MPi Petrol 6-speed MT, dual tone	20,44,459	4,08,892	33,952
S(O) 1.5 CRDi Diesel 6-speed AT	20,80,882	4,16,176	34,557
SX Premium 1.5 MPi Petrol IVT	20,85,628	4,17,126	34,635
SX Premium 1.5 MPi Petrol IVT, dual tone	21,02,830	4,20,566	34,921
SX Premium 1.5 CRDi Diesel 6-speed MT	21,54,703	4,30,941	35,782
SX Premium 1.5 CRDi Diesel 6-speed MT, dual tone	21,72,279	4,34,456	36,074
King 1.5 MPi Petrol IVT	21,88,952	4,37,790	36,351
King Knight 1.5 MPi Petrol IVT	22,05,580	4,41,116	36,627
King 1.5 MPi Petrol IVT, dual tone	22,06,153	4,41,231	36,637
King Lounge 1.5 MPi Petrol IVT	22,49,616	4,49,923	37,359
King 1.5 CRDi Diesel 6-speed MT	22,63,795	4,52,759	37,594
King Lounge 1.5 MPi Petrol IVT, dual tone	22,66,818	4,53,364	37,644
King 1.5 CRDi Diesel 6-speed MT, dual tone	22,81,371	4,56,274	37,886
King 1.5 Turbo GDi Petrol 7-speed DCT	23,29,431	4,65,886	38,684
King 1.5 CRDi Diesel 6-speed AT	23,66,910	4,73,382	39,307
King 1.5 Turbo GDi Petrol 7-speed DCT, dual tone	23,76,632	4,75,326	39,468
King 1.5 CRDi Diesel 6-speed AT, dual tone	23,84,486	4,76,897	39,598
King Knight 1.5 CRDi Diesel 6-speed AT	24,36,165	4,87,233	40,457
King Lounge 1.5 CRDi Diesel 6-speed AT	24,55,382	4,91,076	40,776
King Lounge 1.5 CRDi Diesel 6-speed AT, dual tone	24,72,958	4,94,592	41,068

Scroll sideways for the remaining columns.

Creta down payment and EMI at example inputs

**Down payment and EMI on the E 1.5 MPi Petrol 6-speed MT, ₹12,81,651 on the road in Delhi.** Example inputs: 9% a year interest; the 20% row is the calculator's default. Replace them with your loan's terms.
Down payment	Loan (₹)	EMI, 3 years (₹)	EMI, 5 years (₹)	EMI, 7 years (₹)
₹1,28,165 10% down	11,53,486	36,681	23,944	18,559
₹2,56,330 20% down	10,25,321	32,605	21,284	16,496
₹3,84,495 30% down	8,97,156	28,529	18,623	14,434
₹6,40,826 50% down	6,40,825	20,378	13,302	10,310

Scroll sideways for the remaining columns.

Going from 20% to 30% down on the E 1.5 MPi Petrol 6-speed MT cuts the loan from ₹10,25,321 to ₹8,97,156 and the five-year EMI from ₹21,284 to ₹18,623. Each lender sets its own minimum down payment.

Creta EV EMI

₹32,292a month at the example inputs, Executive 42 kWh battery, ₹19,44,500 on the road in Delhi

Hyundai sells the Creta EV as the Creta Electric. At the same example terms its cheapest variant needs ₹32,292 a month against ₹21,284 for the cheapest Creta; pick Creta Electric in the calculator for another variant or city.

What the on road figure includes

For the E 1.5 MPi Petrol 6-speed MT in Delhi the calculator adds 12 lines to Hyundai's ex-showroom price of ₹10,90,700, the lowest on the Creta ex-showroom price list, in these groups: road tax, registration and fees, city charges, TCS, insurance and dealer items. The state sets the road tax and the registration fees, Delhi adds the MCD parking fee, central tax adds TCS and the insurer prices the cover; the basis line under the result names what is left out. In Delhi the road tax on this variant is 10% of the ex-showroom price. For the rule behind every other line, read what each line means.

The EMI formula

EMI = P × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1)

P is the loan, r the monthly interest rate (the yearly rate divided by 12, written as a fraction) and n the number of monthly instalments. For the E 1.5 MPi Petrol 6-speed MT at the example terms, P is ₹10,25,321, the ₹12,81,651 on road price less ₹2,56,330 down. r is 0.0075 and n is 60, which gives ₹21,284 a month, ₹12,77,040 over 5 years and ₹2,51,719 of that in interest.

Stretching the same loan to seven years lowers the EMI to ₹16,496 and raises the interest to ₹3,60,343.

What the calculator cannot know: dealer add-ons and offers

The result stops at what the state, the city, central tax and the insurer charge, plus a FASTag. Handling charges, an accessories pack, an extended warranty and insurance add-ons come from the dealer and are not in it; ask for each as its own line on the quote, then compare the rest of the quote with the result here.

Offers work the other way. Hyundai's listed benefits and any dealer discount come off the price and are not in this result either. Nor is a lender's processing fee. Set the interest slider to the rate on your sanction letter.

How much EMI for a 15 lakh car loan?

₹31,138 a month over five years at 9% interest a year, the calculator's example rate, or ₹24,134 a month over seven years. A loan of ₹10,00,000 on the same terms costs ₹20,758 a month over five years and ₹16,089 over seven.

With 20% down, a ₹15,00,000 loan pays for an on road price of ₹18,75,000; the most expensive Creta inside that in Delhi is the S(O) 1.5 MPi Petrol IVT, at ₹18,41,366 on the road.

Why does the on road price differ between cities in one state?

The insurance zone of the city changes the premium. The on road figure prices own-damage cover at 3.28% of the insured value in zone A cities and 3.19% everywhere else, so in Karnataka the E 1.5 MPi Petrol 6-speed MT costs ₹1,100 more on the road in Bengaluru than in Mysuru, all of it insurance. The Creta EMI calculator applies the zone of whichever city you pick.