કાર લોન વ્યાજ દરો 2026 — ભારતની બેંકોની સરખામણી

SBI, HDFC, ICICI, બેંક ઓફ બરોડા અને Axis સહિત 10 બેંકોના કાર લોન વ્યાજ દર, ફંડિંગ, મુદત અને પ્રોસેસિંગ ફીની સરખામણી કરો.

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અસ્વીકરણ: વ્યાજ દરો, લોન રકમ, પ્રોસેસિંગ ફી અને મંજૂરી સંબંધિત બેંક/ધિરાણકર્તાની નીતિઓ, પાત્રતા માપદંડો અને ક્રેડિટ મૂલ્યાંકનને આધીન છે. દર્શાવેલ માહિતી સૂચક છે અને બદલાઈ શકે છે.

HDFC Bank

HDFC Bank કાર લોન

વ્યાજ દર8.75% - 11.50%

લોન રકમUp to 100% On-road

અવધિ12 - 84 months

પ્રોસેસિંગ ફી₹3,500 to ₹5,500

પાત્રતાઆવક >₹3L/વર્ષ

✓ ZipDrive instant car loans✓ Approval in 30 minutes✓ Doorstep documentation✓ Flexible tenure options

HDFC's ZipDrive car loan approves in just 30 minutes with doorstep documentation for your convenience. Up to 100% on-road financing means zero down payment on eligible models. The fastest and most convenient car loan in India for existing HDFC Bank customers.

SBI Car Loan

SBI Car Loan કાર લોન

વ્યાજ દર8.65% - 9.80%

લોન રકમUp to 90% On-road

અવધિUp to 84 months

પ્રોસેસિંગ ફીNil to ₹1,500

પાત્રતાઆવક >₹25k/મહિનો

✓ Lowest interest rate & EMI✓ No pre-payment penalty✓ Financing on ex-showroom price✓ Longest repayment period

SBI consistently offers the lowest car loan interest rates in India, starting at just 8.65%. Zero pre-payment penalty means you can close the loan anytime without paying extra charges. The longest tenure option at 84 months keeps EMIs affordable even for expensive car purchases.

ICICI Bank

ICICI Bank કાર લોન

વ્યાજ દર8.85% - 13.00%

લોન રકમUp to 100% Ex-showroom

અવધિ12 - 84 months

પ્રોસેસિંગ ફીStarting ₹2,500

પાત્રતાહાલના ICICI ગ્રાહક

✓ Instant approval for pre-approved customers✓ Minimal documentation✓ Used car loans available✓ Fixed interest rates

ICICI provides instant approval for pre-approved customers with minimal paperwork and fast processing. Used car loans are also available, which many competing banks don't offer at all. The fixed interest rate option gives you complete EMI predictability throughout the entire loan tenure.

Axis Bank

Axis Bank કાર લોન

વ્યાજ દર8.85% - 12.50%

લોન રકમUp to 90% On-road

અવધિ12 - 84 months

પ્રોસેસિંગ ફી₹3,000 to ₹5,000

પાત્રતાઆવક >₹25k/મહિનો

✓ Quick processing in 48 hours✓ Doorstep document pick-up✓ No prepayment charges after 1 year✓ Used car loans also available

Axis offers quick processing within 48 hours with doorstep document pick-up for added convenience. No prepayment charges after just 1 year of loan tenure gives good flexibility for early repayers. Used car financing is also available for pre-owned vehicles up to 5 years old.

Kotak Mahindra Bank

Kotak Mahindra Bank કાર લોન

વ્યાજ દર8.75% - 11.00%

લોન રકમUp to 90% On-road

અવધિ12 - 84 months

પ્રોસેસિંગ ફી₹3,000 to ₹5,000

પાત્રતાઆવક >₹3L/વર્ષ

✓ Digital loan application process✓ Competitive interest rates✓ Flexible EMI options✓ Part-prepayment facility

Kotak's competitive rates starting at 8.75% and a fully digital application process make it a convenient choice. The part-prepayment facility lets you reduce your principal anytime without closing the entire loan. Best for existing Kotak account holders who benefit from faster approvals and better rate negotiations.

Bajaj Finserv

Bajaj Finserv કાર લોન

વ્યાજ દર9.50% - 14.00%

લોન રકમUp to 100% On-road

અવધિ12 - 72 months

પ્રોસેસિંગ ફીUp to 2.50%

પાત્રતાઆવક >₹20k/મહિનો

✓ 100% on-road funding for select models✓ Pre-approved offers via app✓ Flexible tenure up to 72 months✓ Part-prepayment allowed

Bajaj Finserv stands out with 100% on-road funding for select popular car models, meaning zero down payment required. Pre-approved offers via the Bajaj app give instant eligibility confirmation. The 72-month maximum tenure is slightly shorter than banks, but rates remain competitive for the market.

Bank of Baroda

Bank of Baroda કાર લોન

વ્યાજ દર8.45% - 10.50%

લોન રકમUp to 90% On-road

અવધિ12 - 84 months

પ્રોસેસિંગ ફી₹1,500 to ₹4,000

પાત્રતાઆવક >₹2.5L/વર્ષ

✓ Among the lowest car loan rates✓ Special rates for women borrowers✓ No prepayment penalty on floating rate✓ Covers new and pre-owned vehicles

BoB offers among the lowest car loan rates in India starting at just 8.45%, often beating even SBI on price. Special concessional rates for women borrowers make it the top choice for female car buyers. No prepayment penalty on floating rate loans adds excellent flexibility.

Punjab National Bank

Punjab National Bank કાર લોન

વ્યાજ દર8.55% - 10.90%

લોન રકમUp to 85% On-road

અવધિ12 - 84 months

પ્રોસેસિંગ ફી₹1,000 to ₹3,000

પાત્રતાઆવક >₹2L/વર્ષ

✓ Low processing fee✓ Special rates for existing PNB customers✓ Covers new cars and two-wheelers✓ Simple documentation process

PNB's car loan has the lowest processing fees in the market starting at just ₹1,000. Special rates for existing PNB customers and the option to finance two-wheelers as well make it a versatile lending product. Simple documentation and wide branch availability across India ensure easy access.

IndusInd Bank

IndusInd Bank કાર લોન

વ્યાજ દર9.00% - 13.00%

લોન રકમUp to 100% Ex-showroom

અવધિ12 - 84 months

પ્રોસેસિંગ ફી₹3,000 to ₹6,000

પાત્રતાઆવક >₹25k/મહિનો

✓ 100% ex-showroom financing✓ Quick approval in 4 hours✓ Used car financing available✓ Top-up loan on existing car loan

IndusInd finances up to 100% of ex-showroom price with a remarkably quick 4-hour approval process. Top-up loans on existing car loans are available if you need additional funds down the line. Used car financing extends the options for buyers looking at quality pre-owned vehicles.

IDFC First Bank

IDFC First Bank કાર લોન

વ્યાજ દર8.75% - 12.00%

લોન રકમUp to 100% On-road

અવધિ12 - 84 months

પ્રોસેસિંગ ફી₹2,500 to ₹5,000

પાત્રતાઆવક >₹25k/મહિનો

✓ 100% on-road financing for select models✓ Zero foreclosure charges✓ Digital application process✓ Doorstep document pickup

IDFC First offers 100% on-road financing for select models with zero foreclosure charges from day one. The fully digital application process and doorstep document pickup make it completely hassle-free. Competitive rates starting at 8.75% position it well against the larger established banks.