Hi, I’m planning to buy my first car under 15 lakh. I am a new driver and am still learning to drive. I’m confused between Creta S(O) IVT and Seltos HTK(O) IVT. I will be mostly driving within Mumbai city with occasional weekend trips. I am planning to keep the car for next 8-10 years so I want a reliable car with low maintenance. I went to different dealers and got final quotation of Rs. 15.8 lakh for Creta S(O) and 17 lakh for Seltos HTK(O). The features offered by Seltos are hard to ignore. So, now I am confused between these two cars. Seltos offers leather upholstery, ventilated front seat, driver power seat, front parking sensors and a big infotainment screen. These features are missing in Creta S(O) model. Please help and suggest whether I should spend 1.2 lakh more for these additional features.
Go for the Seltos HTK(O) IVT and spend the extra Rs 1.2 lakh. For a first-time driver who will predominantly drive in Mumbai and plans to keep the car for 8-10 years, the 1.5-litre naturally aspirated petrol with IVT is a very sensible combination. The IVT is smooth and easy to drive in stop-go traffic, while the engine is refined and well suited to relaxed city driving.
The extra equipment on the Seltos is also more than just a list of gimmicks. Ventilated seats, powered driver's seat and front parking sensors are features you can genuinely appreciate over a long ownership period, particularly in Mumbai. The larger infotainment screen and leatherette upholstery add to the everyday experience as well. The Seltos also has a slightly more spacious cabin and more premium feel.
The Creta S(O) IVT remains a very good choice and saves Rs 1.2 lakh, but the price difference isn't large enough to justify choosing the lower-equipped car if you already value these features.

Kia Seltos
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Posted on: 4 Sept 2026
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