EMI Calculator
KIA EV4 EMI in Surat
Monthly installment, down payment, and city-specific stamp duty for KIA EV4 in Surat.
Your Loan Parameters
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10%60%
1 yr7 yrs
Ex-showroom
₹45.00 L
On-road (Surat)
₹49.59 L
Down payment
₹9,91,800
Loan amount
₹39,67,200
EMI by Lender
Best rate in green · Based on typical published rates
| Bank | Rate | EMI | Total Interest | Processing |
|---|---|---|---|---|
| HDFC Bank | 8.5% p.a. | ₹81,393/mo | ₹9,16,391 | ₹29,754 |
| ICICI Bank | 8.75% p.a. | ₹81,872/mo | ₹9,45,122 | ₹19,836 |
| SBIBest | 8.25% p.a. | ₹80,916/mo | ₹8,87,761 | ₹13,885 |
| Axis Bank | 8.9% p.a. | ₹82,160/mo | ₹9,62,408 | ₹39,672 |
| Kotak Bank | 8.6% p.a. | ₹81,585/mo | ₹9,27,871 | ₹29,754 |
Surat On-Road Breakup
- Ex-showroom₹45.00 L
- Registration + RTO₹2,25,000
- Insurance (1 yr)₹1,80,000
- Stamp duty (0.2%)₹9,000
- On-road Surat₹49.59 L
Total Repayment (5 yrs)
- Monthly EMI (best rate)₹80,916
- Total paid to bank₹48,54,961
- Interest paid₹8,87,761
- Total cost (incl. DP)₹58,46,761
FAQs — KIA EV4 EMI in Surat
What is the EMI for KIA EV4 in Surat?
With 20% down payment over 5 years at the best rate (8.25%), EMI is approximately ₹80,916/month.
Which bank offers the lowest car loan rate?
SBI has the lowest rate at 8.25% p.a. for EV loans. Rates vary based on credit score — confirm with each bank.
What is the down payment for KIA EV4?
Most banks require 10-20% down. With 20% down in Surat, you'd pay ₹9,91,800 upfront.
Is the on-road price in Surat different from ex-showroom?
Yes. Surat on-road price includes RTO (~5%), insurance (~4%), and stamp duty (0.2%) — adding about 10% to ex-showroom.
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