India me gaadi kharidna aaj ke time me bahut aasaan ho gaya hai, kyunki car loan almost sabhi banks aur NBFCs provide karte hain. Chahe aap new car loan lena chahte ho ya used car loan, sahi bank choose karke aap low interest car loan India ka fayda utha sakte ho . Is article me hum detail me baat karenge car loan interest rates, eligibility, documents aur all Indian banks car loan options ke baare me.
Location Tracker
Car Loan Kya Hota Hai?
Car loan ek secured loan hota hai jisme aap bank se gaadi kharidne ke liye paisa lete ho aur wahi car bank ke paas collateral ke roop me rehti hai jab tak loan complete repay nahi hota.
Car loan ka use:
- New car purchase
- Used / second-hand car
- Electric vehicle (EV) car loan
Low Interest Car Loan India Me Kaise Mile?
Agar aap lowest interest car loan chahte ho to niche diye gaye points bahut important hain:
1. Strong CIBIL Score
750+ CIBIL score hone par banks aapko sabse kam interest rate par car loan offer karti hain.
2. Higher Down Payment
Zyada down payment karne se loan amount kam hota hai aur interest rate bhi kam mil sakta hai.
3. Bank Relationship
Jis bank me aapka salary account ya saving account hota hai, wahi bank car loan saste interest par deti hai.
4. All Banks Comparison
Hamesha car loan all bank comparison karke hi apply kare.
All Indian Banks Car Loan Interest Rates (Approx.)
Interest rates applicant profile aur car type par depend karti hain
- SBI Car Loan: 8.70% – 9.75% p.a.
- HDFC Bank Car Loan: 9.40% – 10.50% p.a.
- ICICI Bank Car Loan: 9.20% – 10.75% p.a.
- Axis Bank Car Loan: 9.30% – 11.00% p.a.
- PNB Car Loan: 8.95% – 10.25% p.a.
- Bank of Baroda Car Loan: 8.80% – 10.50% p.a.
- Kotak Mahindra Bank: 9.49% onwards
- IndusInd Bank: 9.65% onwards
Rates time ke saath change ho sakti hain.
Car Loan Eligibility Criteria (India)
Car loan ke liye eligibility har bank me thodi alag ho sakti hai, lekin common criteria ye hote hain:
- Age: 21 se 65 saal
- Employment: Salaried / Self-Employed
- Minimum Monthly Income: ₹20,000+
- Work Experience: 1–2 saal
- CIBIL Score: 700+
Car Loan Documents Required
Car loan apply karte time following documents chahiye hote hain:
- Aadhaar Card
- PAN Card
- Address Proof
- Salary Slips (Last 3 months)
- Bank Statement (Last 6 months)
- Quotation / Proforma Invoice of Car
- Passport size photographs
Self-employed applicants ke liye:
- ITR (Last 2–3 years)
- Business proof
Car Loan Online Apply Kaise Kare?
Aaj kal online car loan India apply karna kaafi simple ho gaya hai:
- Bank ki official website par jaye
- Car loan section open kare
- New car / used car select kare
- Loan amount aur tenure choose kare
- Details fill kare aur documents upload kare
- Instant approval aur fast disbursal
Kai banks instant car loan approval sirf 24 hours ke andar de dete hain.
New Car Loan vs Used Car Loan
New Car Loan
- Interest rate low hota hai
- Longer tenure available
- Loan amount zyada milta hai
Used Car Loan
- Interest rate thoda high
- Tenure kam hota hai
- Loan amount limited hota hai
Government Bank vs Private Bank Car Loan
Government Bank Car Loan
- Low interest rate
- Reliable aur secure
- Processing time thoda slow
Private Bank Car Loan
- Fast processing
- Paperless approval
- Flexible repayment options
Low interest ke liye SBI, PNB, Bank of Baroda best car loan banks hain.
Car Loan EMI Calculator
Car loan lene se pehle car loan EMI calculator ka use zarur kare.
Example:
- Car Loan Amount: ₹7,00,000
- Interest Rate: 9%
- Tenure: 5 years
Approx EMI: ₹14,550
Hamesha EMI apki income ke hisaab se plan kare.
Car Loan Lete Time Important Tips
- Total on-road price calculate kare
- Processing fees & charges check kare
- Prepayment & foreclosure rules samjhe
- Insurance & add-ons ka cost dekhe
- Sirf affordable EMI par loan le
Conclusion
India me low interest car loan lena bilkul easy ho gaya hai agar aap sahi planning aur bank comparison karte ho. All Indian banks car loan comparison karke aap best interest rate aur benefits pa sakte ho. Government banks low interest ke liye best hote hain, jabki private banks fast approval aur convenience dete hain.
Agar aap sahi EMI planning ke saath car loan lete ho, to apni dream car bina financial stress ke kharid sakte ho.
SEO Keywords Used:
Car Loan India, Low Interest Car Loan, Car Loan All Banks, New Car Loan India, Used Car Loan India, Best Car Loan India