whitewash in the Test matches.
The Kiwis slipped to 32-3, before skipper Stephen Fleming and Scott Styris added 84 for the fourth wicket to lead the hosts to an emphatic win.
Styris was dismissed for 29 when seven runs remained for victory, but Fleming was unconquered with a match-winning 60 not out.
It was the fourth time in seven matches that India's star-studded batting lineup was bundled out for 122 or less, with the start of the World Cup looming on February 8.
Sourav Ganguly's men have two weeks to regroup before they head off to South Africa for two practice matches ahead of their first World Cup match against the Netherlands at Paarl on February 12.
"This tour has obviously not gone our way, but I know we are a better side than the results here suggest and we will do well at the World Cup," Ganguly said.
Fleming described the series as "a war of attrition" on wickets that were conducive to seam bowling and hampered stroke play.
"The bowlers had a good time here, but this victory gives us confidence for the World Cup," the New Zealand captain said.
"I am really happy the way my team responded in the series, hope we can continue the good work in South Africa."
Yuvraj Singh's 33 was the top score as the Indians lasted just 44.5 overs on a seaming wicket after Fleming won the toss and predictably elected to field.
None of the top five batsmen passed 15 as they collapsed to 44-6 by the 1 bounce to the Kiwi pacemen.
Virender Sehwag, who hit two centuries in the series, began the slide when he was caught behind off Kyle Mills for four in the sixth over.
Tendulkar (1) and Dinesh Mongia fell on successive deliveries from Daryl Tuffey, who finished with two for 26 from his 10 overs.
Andre Adams, who clean bowled Ganguly and then polished off the tail, was the most successful bowler with four for 21. Mills claimed 2-29.
When New Zealand batted, India's pace spearhead Srinath bowled Matthew Sinclair and Chris Cairns in his first spell to take his overall tally to 299 one-day wickets.
At the other end, left-armer Zaheer Khan trapped Brendon McCullum leg-before to reduce the Kiwis to 32-3, but Fleming and Styris ensured there were no further hiccups.