Can You Afford a Hyundai Creta on a ₹20,000 Salary? Here’s the Reality

The Hyundai Creta, a top-selling SUV in India, offers powerful engine options (petrol, turbo-petrol, diesel), advanced features (ADAS, 360° camera, ventilated seats), and 70+ safety techs. Priced from ₹12.8L (on-road), it requires a ₹70K+ monthly salary for comfortable EMI payments. Competes with Kia Seltos, Grand Vitara, and Toyota Hyryder. Ideal for premium SUV buyers.

New Delhi: In the Indian market, the Hyundai Creta is an SUV that has made its place in the top-selling vehicles for several consecutive months. This car is very popular not only among the common consumers but also corporate staff. The reason for this is its modern design, advanced features, and powerful performance. If you are also thinking of buying a great SUV, the Creta can be a great option for you.

The price of a Creta and the required salary to buy

The on-road price of the base model of Creta in metros like Delhi is approximately* Rs 12.80 lakh. If you want to buy this car through a loan, then you have to make a down payment of 1.5 lakh rupees. Next, at an interest rate of 9.8%**, for 4 years, you will have to pay an EMI of Rs 28,000 per month**.

According to this, if you are thinking of buying a Creta, then your monthly income should be at least 70,000 to 80,000 rupees. Only then will you be able to pay the car EMI easily along with your other expenses.

Creta engine and transmission option

The Hyundai Creta comes with three different engine options:

1.5-liter naturally aspirated petrol engine—This is the basic variant that gives good mileage and smooth performance.

1.5-liter turbocharged petrol engine—This variant gives more power and a thrilling driving experience.

1.5-liter diesel engine—If you do long-distance driving and want better fuel efficiency, this option is better.

In addition, the Creta has options such as a 6-speed manual, 7-speed DCT (dual clutch transmission), IVT (intelligent variable transmission), and 6-speed automatic transmission, which facilitates the driver's choice according to the driver's choice.

Advanced Features & Safety

Many high-tech features have been provided in the Creta, such as

ADAS (Advanced Driver Assistance System) Level-2—This system increases safety and helps in autonomous driving.

360-degree camera—easy to drive in parking and tight spaces.

Ventilated seats and a powered driver seat—provide comfort on long drives.

Connected Car Technology—This includes features like remote access, vehicle tracking, and real-time alerts.

In addition, the Creta has more than 70 safety features ** **, which include techniques such as multiple airbags, ABS, ESC, and Hill Assist Control.

Creta's rival cars

Creta in the market faces some major SUVs, such as

Kia Celtos—which comes with similar features and performance.

Maruti Suzuki Grand Vitara—which offers hybrid technology and better mileage.

Toyota Urban Cruiser—which is known for its tough build quality and hybrid options.

If you want a premium SUV that gives the best combination of style, performance, and safety, then the Hyundai Creta is a great option. However, before purchasing it, you must assess your financial capacity so that EMI and other expenses can be easily managed.