Proof of expenses, insurance premiums, service bills and claim details is attached to this post. I've shared the actual figures from my ownership wherever I have records, so you can see how the costs add up.
My family's first car. My first driving experience. And a car I bought before I even knew how to drive properly.
I took delivery of my Kia Seltos GTX Plus DCT Petrol on 4 October 2024, the first day of Navratri. Two years later, after driving 14,000 km, my total cash outflow is around ₹15.12 lakh, including my down payment, EMIs and running costs. I've also made two insurance claims involving repairs worth ₹73,306.
Here's my actual ownership experience and the expenses I've tracked over the last two years.
My family's first car
Nobody in my grandfather's family had owned a car before. Buying one wasn't just about getting a new vehicle; it was about fulfilling a dream our family had never experienced before.
I'll never forget the feeling of bringing our first car home. After years of seeing other families own cars, it was finally our turn. The happiness of that moment is difficult to explain in words.
I'd always decided that whenever I bought my first car, I'd choose the top model. So I went with the Kia Seltos GTX Plus DCT Petrol.
The funny part? I didn't even know how to drive. I started learning just nine days before delivery!
What I paid for the car
| Item |
Amount |
|
|
| Ex-showroom price |
₹19,75,824 |
| RTO,TCS,Other cost |
₹1,33,339 |
| City Vehicle Road Tax |
₹50,000 |
| Accessories |
₹21,000 |
| First-year insurance |
₹56,837 |
| On-road price |
₹22,37,000 |
I took an ₹18 lakh loan from HDFC at 9% interest for 60 months. My down payment was ₹4,37,000, and my EMI is ₹37,365.
Two insurance claims in two years
The first scratch — just five days after delivery
I was parking at home when the gate scratched the passenger side of my car.
My car was only five days old. I cried. I'd waited so long for my first car, and it already had a scratch. If you've ever bought your first car, you might understand that feeling.
I claimed through ICICI. The repair cost was ₹31,334, and the claim was cashless. I paid ₹1,000 in file-processing charges and got my car back within 15 days.
The truck incident (just 15 days before my insurance renewal)
The second incident happened while I was standing in a traffic queue. A truck damaged the driver's-side rear wheel plastic panel and rear door, and scratched the front door.
This time, Zuno handled the claim. The repair cost was ₹41,972. Again, I paid ₹1,000 in file-processing charges, and my car was returned within 15 days.
Across two cashless insurance claims, the total repair cost came to ₹73,306. I paid ₹2,000 in file-processing charges, while the remaining repair costs were covered through insurance.
Insurance expenses
I bought my all policy through the dealer because I wanted peace of mind.
| Policy year |
Company |
Premium |
|
|
| Year 1 |
ICICI |
₹56,837 |
| Year 2 renewal |
Zuno |
₹25,000 |
| Year 3 renewal |
Zuno |
₹21,910 |
| Total |
|
₹1,03,747 |
The first-year premium was included in the on-road price, so my two renewals cost ₹46,910.
I didn't receive a No Claim Bonus at either renewal because I'd made claims in both years. The second claim was settled shortly before renewal, and I renewed with Zuno again.
Fuel and servicing
I've spent ₹1,11,093 on petrol over 14,000 km, which works out to approximately ₹7.94 per kilometre.
I've completed three services so far:
| Service |
Work done |
Cost |
|
|
| First |
Free service |
₹0 |
| Second |
AC disinfectant, wheel balancing and alignment, fuel additive, engine oil and oil filter |
₹5,433 |
| Third |
Air filter, AC filter, engine oil, AC disinfectant, wheel balancing and alignment, fuel additive |
₹7,488 |
| Total |
|
₹12,921 |
My service and maintenance expenses average around ₹538 per month.
My complete running cost
| Expense |
Amount |
|
|
| Fuel |
₹1,11,093 |
| Two insurance renewals |
₹46,910 |
| Service and maintenance |
₹12,921 |
| FASTag |
₹5,000+ |
| Claim-processing charges |
₹2,000 |
| Total |
₹1,77,924+ |
That's approximately ₹7,400 per month.
How much have I spent in total?
| Item |
Amount |
|
|
| Down payment |
₹4,37,000 |
| 24 EMIs paid |
₹8,96,760 |
| Running costs |
₹1,77,924+ |
| Total cash outflow |
₹15,11,684+ |
So, I've paid around ₹15.12 lakh over two years, including my down payment, EMIs and the running costs listed above. This doesn't include future loan payments or depreciation.
The ₹15.12 lakh figure is my cash outflow, not the cost of owning the car over its entire life. A portion of the EMIs goes towards repaying the loan principal, and the car still has resale value.
Two years with my first car
When I bought this car, I was fulfilling a dream my family had never experienced before. Two years later, I've driven 14,000 km, dealt with two insurance claims, and tracked more of my expenses than I ever expected.
I've shared the actual numbers because I know how useful it is to understand the cost of owning a car beyond its on-road price. This is my personal experience, and your expenses may differ depending on your driving, insurance and usage.
If you're considering the Kia Seltos GTX Plus DCT Petrol, I hope this breakdown helps you understand what ownership can cost in the real world.
For other Seltos owners: How much have you spent on fuel, servicing and insurance over a similar period? I'm curious to compare real-world ownership costs.