HDFC Bank Car Loan Rates (2023)

HDFC bankais the 5th largest bank in India offering car loan deals like competitive interest rates compared to other banks and partial payment facility for early loan completion. Read on to know more about HDFC Bank Car Loans.

(Video) HDFC Car Loan Full Details | HDFC Express Car Loan | Car Finance on 100% On Road Price |

Types of Car Loan Schemes in HDFC Bank

HDFC Bank Tailored Car LoanThe loan program offers different repayment options to meet the needs of a wide range of individuals. It offers zero late fees after 9 months of repayment subject to certain conditions and the possibility of top-up.
ZipDrive - Instant New Car LoansThis program is specially designed for existing customers of HDFC Bank. Apply through the bank's NetBanking portal and you will be approved immediately. Enjoy immediate payment of the loan amount.

HDFC Bank Car Loan Interest

tipinterest
rent bill7.95% p.a. 8.30% p.a. based on vehicle segment

HDFC Bank Car Loan Features and Benefits

  • Car loans at attractive interest rates.
  • ApplicationAbility to monitor statusOn the official website of HDFC Bank.
  • Achieve repayment terms of 1 to 7 years, depending on which repayment model you choose.
  • Financing up to Rs. 3 million are available for cars and are available for a wide range of cars and utility vehicles.
  • Up to 100% financing of the road price under certain conditions for new vehicles.
  • Take an additional loan on top of an existing car loan without documentation.
  • Existing clients of HDFC Bank can get 2x faster loan approval and instant disbursement with ZipDrive - Instant New Car Loan.
  • Get financing for comprehensive insurance products.
  • Different repayment methods that meet the needs of borrowers from different backgrounds.
  • No foreclosure fees for 6 months from the date you got your car loan.
  • HDFC Bank's Autopedia app helps you compare, research and read new car reviews.
  • Banks offer various offers and discounts from time to time.

HDFC Bank Car Loan Eligibility

wage earnerpersonally:

A limited liability company

Public enterprises, including central, state and local governments

John:

Be at least 21 years old at the time of application

Up to 60 years at the end of the loan period

Minimum experience: 2 years, with at least 1 year at the current employer

Minimum Income: Rs 3 lakh per annum including income of spouse/co-applicant

Candidates who own a phone/postpaid mobile phone

Self-employed and professionals (independent entrepreneurs)Type of business: production, trade or services

John:

Be at least 21 years old at the time of application

Up to 65 years at the end of the loan period

Minimum experience: 2 years

Minimum Income: 3 Lakh Rupees per annum

Self-employed and professionals (partnerships)Type of business: production, trade or services

Minimum turnover: 3 lakh rupees per annum

Self-employed and professional (limited liability company)Individuals who own private manufacturing, trading or service companies

Minimum Income: 3 Lakh Rupees per annum

Self-employed (joint-stock company)Includes directors of joint-stock companies in production, trade or services

Minimum Income: 3 Lakh Rupees per annum

Documents required for HDFC Bank Car Loan

type of applicantnecessary documents
wage earner1. Any of the following identification and address documents:
valid passport

Permanent driver's license (newer, clear and laminated)

Voter ID

Work card issued by NREGA

Letter from the population register with name and address information

Aadhaar card (only if submitted voluntarily and with Aadhar consent form. First 8 digits of Aadhar number on physical copy will be redacted). Aadhaar card can be physical Aadhaar or electronic Aadhaar printout (not more than 30 days from the date of application).

2. Last payslip and form 16 as proof of income
3. Account statements for the past 6 months

independent applicant
(independent entrepreneur)
1. Any of the following identification and address documents:
valid passport

Permanent driver's license (newer, clear and laminated)

Voter ID

Work card issued by NREGA

Letter from the Population Register with full name and address

2. Latest Income Tax Return (ITR) as proof of income
3. Account statements for the past 6 months

independent applicant
(partnership)
1. All the following documents as proof of income:
Audited balance sheet

Profit and loss account for the last 2 years

ITR of the company for the last 2 years

2. Any of the following documents as proof of address:
phone bill

Electricity bill

Certificate of right of trade and business establishment

SSI registration certificate

moms confirm

3. Account statements for the past 6 months

independent applicant
(A limited liability company)
1. All the following documents as proof of income:
Audited balance sheet

Profit and loss account for the last 2 years

ITR of the company for the last two years

2. One of the following documents as proof of address:
phone bill

Electricity bill

Certificate of right of trade and business establishment

SSI registration certificate

moms confirm

3. Account statements for the past 6 months

independent applicant
(joint stock company)
1. All the following documents as proof of income:
Audited balance sheet

Profit and loss accounts for the last two years

2. Any of the following documents as proof of address:
phone bill

Electricity bill

Certificate of right of trade and business establishment

SSI registration certificate

moms confirm

3. Account statements for the past 6 months

HDFC Bank Car Loan Fees and Charges

types of feesAmount
fee for documents700 INR (Non Refundable)
Handling fee1% of the loan amount; minimum Rs 5,000, maximum Rs 10,000
enforcement feeWithin 6 months - nothing
7. EMI for 1 year – 6% of outstanding principal
13-24 months from 1st EMI – 5% of outstanding principal
After 24 months from first EMI – 3% of outstanding principal
partial payment feeAllowed with conditions.
5% of installment amount if paid within 13-24 months of first EMI
3% of the installment amount if paid 24 months after the first EMI
bodyright now
EMI interest due2% per month

How to Calculate HDFC Bank Car Loan EMI

ourscar loan calculatorIt helps you determine the monthly installments you need to pay for a specific loan amount to finance your dream car.

Frequently asked questions

What conditions apply to partial payments?

Partial repayment of the car loan is allowed only after the expiry of 12 months, i.e. after 12 EMIs. In addition, you can pay only two installments during the life of the loan, and the installments can be up to 25% of the outstanding principal.

(Video) HDFC Bank Car Loan Details | Malayalam |

How long does it take after submitting the application until the loan amount is disbursed?

According to the bank's calculation, the processing of the loan and the payment of the amount after the submission of all documents and data necessary for processing can take at least seven working days.

What are the benefits for existing HDFC Bank customers when they apply for a car loan with the bank?

Existing customers of HDFC Bank can get

(Video) HDFC Car loan | 5 lakh car loan for 5 years | hdfc car loan interest rate EMI Calculator | dacuments

  • discount prices
  • unique solution
  • Undocumented loan of 10 seconds
What repayment options does HDFC Bank offer?
SECURE AND EASY (for paid professionals)EMI reduction of up to 75% in the first six months, starting at Rs 899 per lakh, followed by regulation to make it more portable.
SAFELY EASY (for all customers)Up to 70% EMI reduction for the first three months starting at Rs 899 per lakh and normalizing thereafter.
11119999You start your repayment with an affordable EMI and gradually increase the EMI. At the end of the term, you pay 10 percent. That is, in the first year the EMI could be Rs 1111 per lakh. The last EMI you pay is Rs.9999. The election period will be 7 years.
DIVA creditExclusively designed for women with interest rates as low as 8.20% p.a.
Pay as you grow - upgrade your planStart with an affordable EMI and work your way up. Every year the EMI increases by around 10%-11%.
agile drivingDuring the employment period, you can pay up to 50% EMI for any three consecutive months in a year.
advanced sectionAvailable for loans above IRS. 20 lakh, there are four scheme options to buy your dream car.
3 months low EMI plan

sferna ravina

balloon arrangement

Conventional + spherical plane

HDFC Bank Car Loan Rates (1)

Invest in direct investment funds

Tax savings up to Rs 46,800 with 0% commission

(Video) HDFC Car Loan सिर्फ 8.20% Interest rate शुरुआत Rs.899 EMI

(Video) Car Loan Comparison: 5 Things to Consider While Choosing Car Loan | HDFC Bank
(Video) வாகன கடனில் HDFC செய்த ஊழல் | #CarLoan #Loan #VehicleLoan | #HDFCBANK | Aadhan Tamil

FAQs

What is the best interest rate for car loan in HDFC bank? ›

HDFC Bank Car Loan Interest Rates & Other Details
ParticularsDescription
Interest Rate7.95% - 8.30% p.a. for new cars
Loan Tenure1-7 years for new cars 1-5 years for old cars
Processing FeesNew Cars : 0.4% of Loan Amount or ₹10000, whichever is lower Pre-owned Cars: 2% of loan amount or ₹ 5,000/-, whichever is lower
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How do you explain interest rates on a car loan? ›

An auto loan's interest rate is the cost you pay each year to borrow money expressed as a percentage. The interest rate does not include fees charged for the loan. The Annual Percentage Rate (APR) is the cost you pay each year to borrow money, including fees, expressed as a percentage.

What is an acceptable interest rate for car loan? ›

Average car loan interest rates by credit score
Credit scoreAverage APR, new carAverage APR, used car
Superprime: 781-850.4.75%.5.99%.
Prime: 661-780.5.82%.7.83%.
Nonprime: 601-660.8.12%.12.08%.
Subprime: 501-600.10.79%.17.46%.
2 more rows
May 19, 2023

Why is my auto loan interest rate so high? ›

Although a driver's rates depend on several factors — including a borrower's credit history, term length, vehicle type and more — increased inflation means higher interest rates for drivers even with perfect credit.

Which bank has lowest car loan interest? ›

Best Bank For Car Loan In India 2023
Bank NameBest Car Loan Interest Rate
SBI Car Loan7.20% p.a. onwards
Federal Bank Car Loan8.50% p.a. onwards
Canara Bank Car Loan7.30% p.a. onwards
Bank of Baroda Car Loan7.00% p.a. onwards
1 more row
May 23, 2023

Which bank gives lowest interest rate on car loan? ›

Car Loan Interest Rates at Leading Banks
Bank NameInterest RatesEMI per Rs. 1 lakh for 7 Years
Central Bank of India7.25% - 7.50%Rs. 1,522 - Rs. 1,534
Corporation Bank7.40% - 7.50%Rs. 1,529 - Rs. 1,534
HDFC Bank8.80% – 10.00%Rs. 1,599 - Rs. 1,660
ICICI Bank8.82% - 12.75%Rs. 1,600 - Rs. 1,806
11 more rows

Will car interest rates go down in 2023? ›

In December of 2022, the Fed indicated that it expects the funds rate to fall to 4.1% by the end of 2024 after reaching the 5.1% mark by the end of 2023. If that holds true and the federal interest rate begins to fall, auto loan rates should start to drop shortly after.

What is a good interest rate for a car for 72 months? ›

Auto Loan Purchase Interest Rates
Payment PeriodPurchase APR* "As Low As"Payment per $1,000
Up to 60 Months5.99%$19.33
Up to 66 Months6.24%$17.94
Up to 72 Months6.49%$16.81
Up to 75 Months6.74%$16.38
4 more rows

How do I lower my interest rate on my car loan? ›

5 Ways to Pay Less Interest on a Car Loan
  1. Check Out Different Lenders.
  2. Make a Large Down Payment.
  3. Get a Shorter Term Loan.
  4. Make Additional Payments.
  5. Decline Options You Don't Need.
Sep 19, 2022

Is 7% interest on a car loan bad? ›

For used vehicles, the average interest rate can range from 3.61% APR with Super Prime to 19.87% for Deep Subprime. If you can get a rate under 6% for a used car, this is likely to be considered a good APR.

Is 72 month car loan bad? ›

72 months is equal to 6 years—that's a long time to be stuck with a payment and interest rate that's higher than the average. , but it's best to avoid loans over 60 months whenever possible. 72 month loans often come with high interest rates that can leave you owing more than your car is worth.

Is a 7% interest rate bad for a car? ›

Car Loan APRs by Credit Score

Excellent (750 - 850): 2.96 percent for new, 3.68 percent for used. Good (700 - 749): 4.03 percent for new, 5.53 percent for used. Fair (650 - 699): 6.75 percent for new, 10.33 percent for used. Poor (450 - 649): 12.84 percent for new, 20.43 percent for used.

What is the highest auto loan interest rate allowed? ›

The law says that the most a lender can charge for an auto loan are about 16% APR, but some lenders get away with 25% or more. Your annual percentage rate (APR) for a car loan depends on your credit score and whether you want a new or used car. A used car's APR will be higher than a new car's.

What is a bad auto interest rate? ›

Rates for used cars were higher — 10.26 percent across credit scores. And the average rate for bad credit was a sky-high 20.62 percent. So, a “bad” annual percentage rate for a car would be on the upper end of these numbers. Legally, loans can't have an APR over 36 percent.

How can I avoid a high interest rate on my car? ›

Pay down existing debt, make timely credit card payments and don't submit any other credit applications for home mortgages, lines of credit or credit cards. Improving your credit score can significantly lower the interest rate on your auto loan.

Is HDFC car loan fixed or floating? ›

HDFC car loan interest rate is of the fixed type, therefore the loan EMIs are fixed throughout the loan tenure.

Is it possible to get 0% interest on a car loan? ›

Yes, it is possible to get a 0% interest rate loan when you buy a car. In fact, it is a common financial incentive in the automotive sales industry. You might even find opportunities to get a 0% APR loan with no money down if you qualify for both offers.

Will banks negotiate interest rates car loans? ›

Yes, just like the price of the vehicle, the interest rate is negotiable. The first rate for the loan the dealer offers you may not be the lowest rate you qualify for.

What is the best source of a low cost car loan? ›

Credit unions: Because credit unions are nonprofit, they often offer competitive rates and similar loan terms to a bank. This means they're one of the cheapest ways to get an auto loan. But since you need to be a member, it may take a few months — and an active account — before you're able to apply.

Which bank is best for used car loan? ›

Top Lenders Offering Pre-Owned Car Loans
LenderInterest RateRepayment Tenure
HDFC Bank13.75% p.a. onwards (Rack Interest)7 years
Punjab National BankStarts from 9.40% p.a.5 years
Axis BankStarts from 9.40% p.a.5 years
Mahindra FinanceContact the bank5 years
2 more rows

Should I buy a car now or wait until 2023? ›

Americans planning to shop for a new car in 2023 might find slightly better prices than during the past two years, though auto industry analysts say it is likely better to wait until the fall. Since mid-2021, car buyers have been frustrated by rising prices, skimpy selection and long waits for deliveries.

Will car prices go back to normal in 2023? ›

Car prices may be coming down after two years of inflated prices brought on by supply-chain issues that occurred during the pandemic. Prices could drop up 5% for new vehicles and 10% to 20% for used vehicles in 2023, according to a report in November from J.P. Morgan.

What is the best time of the year to buy a car? ›

In terms of the best time of the year, October, November and December are safe bets. Car dealerships have sales quotas, which typically break down into yearly, quarterly and monthly sales goals. All three goals begin to come together late in the year.

Can you pay off a 72-month car loan early? ›

Can you pay off a 72-month car loan early? Yes, you can pay off a 72- or 84-month auto loan early. Since these are long repayment terms, you could save considerable money by covering the interest related to a shorter period of time.

What interest rate can I get with a 750 credit score for a car? ›

750 is a good credit score that can get you car loans with equally as good rates. They aren't the best, but they are still in the top five. More specifically, you would be able to qualify for apr rates of anywhere from 3% to 6% for a new car loan and 5% to 9% for a used car loan.

Does a 72-month car loan make your rate go up? ›

Higher interest rates

The longer the loan term is, the higher lenders will hike their annual percentage and interest rates, especially when loan repayment terms push past 60 months. The average interest rate for a 72-month new car loan is about 5.4% and 9.2% for a used car loan. It's 5.2% for a 60-month new car loan.

What happens if I pay an extra $100 a month on my car loan? ›

Your car payment won't go down if you pay extra, but you'll pay the loan off faster. Paying extra can also save you money on interest depending on how soon you pay the loan off and how high your interest rate is.

Why is my APR so high with good credit? ›

Those with higher credit scores pose a lower default risk to issuers, and they tend to land better interest rates. Even if you have a higher interest rate and carry a balance, you can pay less interest on your credit card debt if you make payments whenever you can.

Can you reduce the interest by paying a car loan early? ›

When you think about how much you'll owe in interest by the end of your loan term, you might think: “Wait… can I pay off my car loan early to avoid future interest?” The answer is yes. In fact, paying off your car loan before the end of the loan term is a great way to reduce your interest payments!

Is 10% interest on a car bad? ›

Keep in mind that, if you agree to a loan with a 10% interest rate, you will likely be paying thousands of dollars in interest over the course of the loan. If you can wait to take out a loan until you've improved your credit score, that might be the best (and least expensive) choice.

Is 11% interest bad on car? ›

That being said, if you have good credit and payment history, a good income, and a cosigner with a credit score of 750 or higher, you should not sign on that loan. However, if you do not have a cosigner, then an 11% to 12% interest rate is about right.

What interest rate can I get with a 800 credit score car loan? ›

Average auto loan interest rates by credit score
Credit scoreAverage interest rate for new car loansAverage interest rate for used car loans
781 to 8503.84%3.69%
661 to 7804.9%5.47%
601 to 6607.25%9.81%
501 to 60010.11%15.86%
1 more row
Dec 2, 2022

Is 6 years too long for a car loan? ›

Auto loans over 60 months are not the best way to finance a car because, for one thing, they carry higher car loan interest rates. Yet 39% of new-car buyers in the first quarter of 2021 took out loans of 61 to 72 months, according to Experian.

Why is it better to pay a car loan 2 times a month? ›

By paying half of your monthly payment every two weeks, each year your auto loan company will receive the equivalent of 13 monthly payments instead of 12. This simple technique can shave time off your auto loan and could save you hundreds or even thousands of dollars in interest.

What is the best way to finance a car? ›

  1. The best way to finance a car is to check your credit report, compare quotes from multiple lenders, get preapproved for an auto loan and then negotiate the best price on the vehicle.
  2. Yes, you'll generally receive lower interest rates when financing cars through a bank or a credit union rather than through a dealer.
May 15, 2023

Is 8% interest rate on a car good? ›

The interest rate you qualify for depends on your credit score, income, and debt-to-income ratio. An interest rate of 8% is reasonable if your credit score is 660 or lower.

Is 7% APR good for a loan? ›

A good interest rate on a personal loan is 5.99% to 9%. The average APR for a two-year personal loan from a bank is 9.87, according to the Federal Reserve, and the best personal loans have APRs as low as 5.99% for the most creditworthy borrowers.

Is 7% APR high? ›

“Unless you have poor credit or your loan term is 72 or 84 months, 7.5% is a bit high. Keep shopping around and you can probably find a better rate if you have decent credit. You should be able to find a rate of five percent to six percent if you're creditworthy.

What auto interest rates can I get with a 700 credit score? ›

A credit score of 700 gets you an interest rate of 3% to 6% on car loans for new cars and about 5% to 9% for second-hand cars.

Is 24% interest on a car bad? ›

A 24.99% APR is not good for mortgages, student loans, or auto loans, as it's far higher than what most borrowers should expect to pay and what most lenders will even offer. A 24.99% APR is reasonable for personal loans and credit cards, however, particularly for people with below-average credit.

Is 13% bad interest rate for a car? ›

A good rate is generally somewhere between about 3% to 13%, give or take, depending on credit score. Learn more about the average new and used car loans based on credit scores and the APR, or Annual Percentage Rate, for that average.

What is the ideal interest rate for a car? ›

Average auto loan rates by credit score (Q4 2022)
CategoryScore RangeNew car average interest rate
Subprime501-60010.79%
Near prime601-6608.12%
Prime661-7805.82%
Super prime781-8504.75%
1 more row

Is a 20% interest rate on a car bad? ›

An APR of 20% is a bit steep, and you could probably get better financing terms from a bank or credit union. Dealerships tend to offer more expensive loans because of interest rate markups. When you choose to finance a car through a dealer, they basically shop for you by gathering offers from various lenders.

How do I lower my interest rate? ›

How can I lower my credit card APR?
  1. Paying your bills on time.
  2. Keeping your balances low.
  3. Paying off any debt in a timely manner.
  4. Diversifying your credit mix if possible.
  5. Keeping overall credit utilization low.

Will car prices go down when interest rates rise? ›

Of course, if interest rates continue to rise, as economists predict, to slow the economy and cool inflation, car values will drop further and put even more loans underwater, said Patrick Roosenberg, director of auto finance for JD Power.

How to pay off a 6 year car loan early? ›

Paying off a loan early: five ways to reach your goal
  1. Make a full lump sum payment. Making a full lump sum payment means paying off the entire auto loan at once. ...
  2. Make a partial lump sum payment. ...
  3. Make extra payments each month. ...
  4. Make larger payments each month. ...
  5. Request extra or larger payments to go toward your principal.

What is HDFC high interest rate? ›

For security reasons, we have logged you out of HDFC Bank NetBanking.
...
Domestic / NRO / NRE FIXED DEPOSIT RATE.
Tenor Bucket< 2 Crore
Interest Rate (per annum)**Senior Citizen Rates (per annum)
61 - 89 days4.50%5.00%
90 days < = 6 months4.50%5.00%
6 mnths 1 days <= 9 mnths5.75%6.25%
12 more rows

What is the interest rate at HDFC? ›

The highest HDFC Bank FD rates for general citizens is 7.1% p.a. and 7.75% p.a. for senior citizens. What is the highest interest rate on HDFC Bank 1 year FD scheme? The highest interest rate on HDFC Bank 1 year FD scheme is 6.6% p.a.

Is 7.5 interest rate good for car loan? ›

Unless you have poor credit or your loan term is 72 or 84 months, 7.5% is a bit high. Keep shopping around and you can probably find a better rate if you have decent credit. You should be able to find a rate of five percent to six percent if you're creditworthy.

What is HDFC interest rate? ›

Fixed Deposit Interest Rate Less Than 2 Cr

Presenting, HDFC Bank Special Edition Fixed Deposits. Enjoy HIGHER FD Rates @7.20% on tenure 35 months and @7.25% on tenure 55 months. What's more? Senior Citizen benefits 0.50% EXTRA!...So Hurry!

What is HDFC 7.75 interest rate? ›

On the special edition FD with a 35-month term that offers an interest rate of 7.70% for regular citizens and 7.75% on a 4-year, 7-month term that is also a special edition FD with a 55-month term.

Is HDFC interest rate increasing? ›

These rates are effective from May 8, 2023. HDFC Bank has hiked MCLR by up to 15 basis points (bps). According to the bank website, the overnight MCLR is now 7.95% from 7.80%. The MCLR for one month is 8.10% from 7.95% and the three-month and six-month MCLRs will be 8.40% and 8.80%.

Which bank gives highest interest rate? ›

Other banks such as SBI offer the highest interest rate of 6.75%. HDFC Bank and ICICI Bank offers highest interest rate of 7% to their regular customers.

How does HDFC calculate interest? ›

It is calculated basis sum of the end of day balance in the account for each day in the month, divided by the number of days in the month. HDFC Bank has different AMB brackets for urban, semi-rural and rural markets. You can find them all here.

What is the interest rate today? ›

Current mortgage and refinance interest rates
ProductInterest RateAPR
30-Year Fixed Rate7.08%7.10%
20-Year Fixed Rate6.83%6.85%
15-Year Fixed Rate6.40%6.43%
10-Year Fixed Rate6.64%6.67%
5 more rows

Will interest rates go down in 2023? ›

Mortgage rates are likely to decrease slightly in 2023, although they're highly unlikely to return to the rock-bottom levels of 2020 and 2021. However, rate volatility may continue for some time.

What is HDFC minimum balance? ›

Minimum Balance Requirements
Balance Non-Maintenance Charges*
AMB Slabs (in Rupees)Metro & UrbanSemi Urban
AMB Requirement -Rs 10,000/-AMB Requirement –Rs. 5,000/-
>=7,500 to < 10,000Rs. 150/-NA
>=5,000 to < 7,500Rs. 300/-NA
2 more rows

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