Zinta was born into a Hindu Rajput family from Rohru in Shimla district, Himachal Pradesh. Her father, Durganand Zinta, was an officer in the Indian Army. He died in a car accident when she was 13 years old; the accident also involved her mother, Nilprabha, who was severely injured and consequently remained bedridden for two years. Zinta called the tragic accident and her father's death a significant turning point in her life, which forced her to mature rapidly. She has two brothers; Deepankar and Manish, a year older and a year younger respectively. Deepankar is a commissioned officer in the Indian Army, while Manish lives in California.
