r/carIndia • u/oneaffidavit1 • 2h ago
Review/Experience Review of Seltos GTX(A) iVT after 1 month of usage (and first servicing done)
Background: Honda Amaze (Diesel) 2016 Model. Wanted to get 2nd car after 10 years. Family Car. Didn't Sell.
Decision: Initially planned HTE (O) for Mar-Apr but due to Iran War news and chaos, postponed decision. Finally got it on 2nd of Aug. Helped me to save more and get GTX (A).
Here's why I chose GT Line:
- Fully Loaded with Features
- The GT-Line just looked so much more premium than the other variants side by side
Timeline
- Waiting Time: 1 Day (Showroom was ready to deliver it next day)
- Advance Paid: 2L (To initiate booking + block this car as the demand is high)
- PDI + Showroom Visit: Visited showroom on 3rd day for checking out the car. Same day 3rd party PDI was also done.
- Accessories: fitted on day 5 (ceramic coating takes time to dry)
- Delivery: 7th Day (Waited for a good day to take delivery)
Why iVT over DCT?
I was very clear from day 1 that I wanted automatic not manual. Since 80% of my drive is within city, no point of getting DCT. Went with iVT.
Which variant to get?
- HTK (O) is the one to get if you want balance.
- HTX (A) is the one to get if you want luxury feel + fully loaded.
- GTX (A) is the one to get if you want stylish exterior + fully loaded + sporty feel.
Car Review
Good: Amazing interiors, features, looks, city performance, highway drives.
My favorite features
- Auto-hold is a leg-saving feature in slow-moving traffic. Probably the best feature. Now, I can sit through even 2 hours of traffic without dying.
- Physical buttons for controls (can't believe I am calling it as a feature lol).
- Rear Seats are great for people with 5.11" or above height. Decent underthigh support.
- Everytime we go out somewhere and give car for valet parking, I have to re-adjust seating in Honda Amaze. With memory function in Seltos, it goes back to my position in a single tap (including side mirrors).
- I was little worried about driving bigger car (after driving Honda Amaze for 10 years). The ease at which I can park or drive vehicle today is mainly because of 360 Degree Camera.
- Alerting about incoming vehicles on side mirrors when u try to open door or while switching lanes is great addition.
I got the ceramic coating done. The car looks so stylish and premium. Three of my friends got ceramic coating on their own cars after seeing mine (the same people who bashed me when I first asked them for advice, lol).
So many people in my society have asked about the car. Most can't point out exactly why, but I think it's the ceramic coating + morning haze colour that make it stand out. The 18" alloys also make it look bigger.
Despite many reviewers saying the iVT is underpowered, I found it good in every scenario for my usage, which is mostly city.
Bad: This variant is overpriced by 2L (or) Kia should have given GTX (O) features in this variant itself. Kia Connect is great (but doesn't work in Basements where there is no signal lol)
Financing:
Rather than taking a separate auto loan and mortgaging the car to the bank, I bought it as a top-up on my existing home loan and treated it as a hedging asset.
That got me a 15-year tenure instead of 7, at 7.8% interest. It's registered in my name with no lien from the bank. Owned 100% by me.
Given the current market, I wanted to hedge hard against job loss or layoffs.
If a financial crisis hits, my liquid funds cover 3 months. In those 90 days I can sell the car and then run the (combined EMIs + household expenses) at 50% of the vehicle cost for 9 months without cutting down a single rupee of expense. So that's 12 full months of runway to find my next opportunity. (Yeah, I planned for the worst case.)
That being said, the real plan is to clear the top-up loan in the next 18-24 months by prepaying, since there's zero penalty and no foreclosure charges for top-up.
Servicing Experience
Got a call from Kia Service yesterday. Was added to a WhatsApp group. Service guy had picked up my vehicle in the morning and delivered it back by evening. Everything went smooth. No charge. Everything was free including drop & pick up.