It is the 15th consecutive toss India have lost since the 2023 Cricket World Cup final in November 2023 - the longest such run for any team in one-day internationals.
India are the only unbeaten side in the tournament after wins against Bangladesh, Pakistan and New Zealand in the group phase, then Australia in the semi-final.
All matches were played in Dubai after the Indian government refused permission for its team go to "hosts'' Pakistan on security grounds.
New Zealand beat Pakistan in Karachi, then Bangladesh in Rawalpindi, before making the trip to Dubai to play India.
The Black Caps then returned to Pakistan, where they beat South Africa in the second semi-final in Lahore.
Both sides have previously won this tournament. India's last success came in 2013 and they were runners-up to Pakistan in 2017. They also shared the trophy with Sri Lanka in 2002 after a rain-affected two-day final.
New Zealand won the Champions Trophy (then the ICC Knockout Trophy) in 2000, beating India in the final in Nairobi, Kenya.
It remains the only limited-overs ICC trophy in the Black Caps' cabinet.
Pacer Matt Henry, who leads the tournament with 10 wickets in four matches, has been ruled out with a shoulder injury sustained in the semi-final. Medium-pace allrounder Nathan Smith is his replacement in the only change for New Zealand.
India have fielded an unchanged side from the semi-final, again opting for four spin options.
The pitch at the Dubai International Cricket Stadium is dry and should aid spin as the game progresses.
There is little chance of evening dew as the ambient temperature has shot up in the UAE in the past week. If there is any, it will aid the chasing side.
LINE-UPS FOR CHAMPIONS TROPHY FINAL:
New Zealand: Will Young, Rachin Ravindra, Kane Williamson, Daryl Mitchell, Tom Latham, Glenn Phillips, Michael Bracewell, Mitchell Santner (captain), Kyle Jamieson, William O'Rourke, Nathan Smith
India: Rohit Sharma (captain), Shubman Gill, Virat Kohli, Shreyas Iyer, Axar Patel, Lokesh Rahul, Hardik Pandya, Ravindra Jadeja, Mohammed Shami, Kuldeep Yadav, Varun Chakaravarthy
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