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Vehical Loans

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Personal Vehicle Loan -

Adding wheels to your dream


  • For purchase of all types of Cars, Jeeps, Small Vans, two wheelers, three wheelers etc.
  • Both brand new and pre-owned vehicles except two wheelers.
  • In the case of pre-owned vehicles, the age of the vehicles should not be more than 2 years.
  • Pre-owned Two Wheelers are not eligible under the scheme


  • Individuals including NRIs/ Firms/ Companies, who are having sufficient income to meet the repayment commitments
  • Income of the spouse or children may also can be taken into account for calculating the eligible amount of loan

Limit & Margin

  • New Vehicles
  • 90% of the cost of vehicle.
  • Pre - owned Vehicles
  • 70% of purchase consideration /insured value /value assessed by Automobile Engineer/ Insurance Surveyor, whichever is lower.
  • The vehicle considered for finance should be lien-free.


  • Upto 5 lakhs
  • Hypothecation of Vehicle
  • & Guarantee / Co obligation of a credit worthy person
  • Above 5 lakhs
  • Hypothecation of Vehicle
  • Equitable Mortgage of landed property of value not less than 150% of loan amount / Equivalent secuity of Approved securities.


  • Brand New Vehicle
  • Two Wheeler : Within 60 months in EMI
  • Four Wheeler : Within 84 months in EMI
  • Pre-owned Vehicle
  • To be repaid within a maximum period of 60 months or up to the appraised economic life of the vehicle as per the valuation cum road worthiness certificate, whichever is earlier

Interest Rates & Charges

  • For Loan interest rates click here

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