Up to 100% of the ex-showroom price net of discounts
insurance and registration are excluded. Final amount depends on product and customer profile.
6 months to 5 years (60 months)
tractor repayment may be quarterly or half-yearly under the common .
Value awaiting review
Individuals and non-individuals: private/public limited companies, partnerships, proprietorships, co-operative societies, trusts and Hindu Undivided Families
subject to the selected Wheels route.
New: up to 2% of loan amount
used: up to 3% of loan amount.
₹0.65 per ₹1,000, or part thereof, charged daily on the overdue instalment.
floating rate: 7.60%–11.30% p.a. Floating pricing is − 0.30% to + Strategic Premium + 3.15%
the applicable rate depends on bureau score and scheme terms.
Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.
Up to 90% of the on-road price. The page’s amount caps conflict: Features says ₹5 crore for private-use vehicles
says ₹3 crore for individuals and ₹5 crore for non-individuals
says ₹2 crore for individuals and ₹5 crore for non-individuals. Confirm the individual cap with the bank before relying on it.
Up to 84 months
minimum 37 months for a fixed-rate car loan.
Value awaiting review
Salaried employees, businessmen, professionals, farmers, eligible companies/firms and / may apply. Borrower minimum age: 21 years
co-applicant: 18 years. Applicant, co-applicant or guarantor must be no older than 70 years at loan end. The page publishes the separate repayment-capacity bands in the key-facts table.
₹1,500 + up to ₹10 lakh
₹2,000 + above ₹10 lakh
Floating-rate individual borrowers: nil. Fixed-rate loans: nil part payment up to ₹40,000 within the first two years and nil after two years
Floating rate for the new-car row: 7.60%–11.30% p.a.
the applicable slab is based on the applicant/co-applicant score. The / page also states a 0.25% concession for existing Bank of Baroda home-loan borrowers with a good repayment record and no overdue.
Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.
₹1 crore for all categories
84 months
No fixed minimum income amount is stated. Salaried applicants are assessed using 24 times average gross monthly income from the last 3 months
other applicants use 4 times average gross annual income from the last 2 years. The page also publishes bands of 60%–80% for salaried applicants and 60%/80% by average annual-income band for others.
Salaried employees, businessmen, professionals, directors of private/public limited companies, proprietors, partners and eligible corporates/trusts
Car Loan and Digital Car Loan: ₹1,500 + for a loan up to ₹10 lakh, or ₹2,000 + above ₹10 lakh. Direct Car Loan: ₹1,000 +
Yoddha customers: nil
State/Central/ employees: ₹500 + . The schedule is the unified processing-charge source linked by the car page and applies to the named car-loan variants.
floating new-car rate 7.60%–8.75% p.a. (-linked). GCLI changes the applicable rate as stated on the page.
-linked)
₹50 lakh in the
the separately states individual maximum ₹200 lakh and non-individual maximum ₹500 lakh
12 to 84 months
fixed-rate minimum period 37 months
No fixed minimum rupee income is published. For salaried applicants, maximum total deductions are 65%below ₹50,000 net monthly income, 75%from ₹50,000 to below ₹1.50 lakh, and 85%above ₹1.50 lakh. For self-employed applicants, the bands are 60%below ₹6 lakh gross annual income and 80% at ₹6 lakh and above.
Value awaiting review
₹1,500 + up to ₹10 lakh
₹2,000 + above ₹10 lakh
₹1,000 + under Baroda Direct Car Loan
nil for Baroda Yoddha
₹500 + for State/Central/ employees
nil when customer approaches the bank directly
Fixed-rate digital car loan follows the published car-loan rule: nil up to cumulative ₹40,000 within the first two years and after two years
Floating 7.45%-11.75% p.a. by salaried/non-salaried band
firms/companies 8.55%-9.05%. Fixed 10.15%-10.85% p.a. for eligible loans up to ₹50 lakh with CIC above 700, reset after three years.
↓
Floating: 8.05% with -0.60% to +3.70% individual spread or +0.50%-1.00% entity spread. Fixed: 1-year 8.85% plus 1.30%-2.00%.
Maximum loan limit ₹5 crore for an individual and ₹10 crore for a non-individual, subject to permissible deduction norms.
Maximum repayment period 84 months.
Salaried and pensioner applicants: gross monthly income/pension ₹25,000 or more. Self-employed professionals: ₹3 lakh last-year income with the past two years' . Businesspeople/agriculturists: ₹4 lakh last-year income with the past two years' . Corporate applicants: tangible net worth at least five times the requested loan.
Value awaiting review
0.25% of loan amount, minimum ₹1,000 and maximum ₹15,000, excluding .
No pre-payment, pre-closure or part-payment charges.
Floating rate: 0.25 percentage point below the applicable Maha Super Car rate, subject to the - 0.60% floor
current effective range 7.45%-11.50% p.a. Fixed rate for eligible loans up to ₹50 lakh and CIC above 700: 10.05%-10.75% p.a., reset after three years.
↓
Floating: 8.05% with applicable car-loan spread less 0.25%, subject to a 7.45% floor. Fixed: 1-year 8.85% plus 1.20%-1.90%.
Individuals: ₹5 crore. Non-individuals: ₹10 crore. Eligible existing housing-loan borrowers may receive up to 100% of on-road price
others have at least 10% margin.
Up to 84 months.
Salaried/pensioners: ₹25,000 gross monthly. Self-employed professionals: ₹3 lakh last-year income plus two years' . Business/agriculture: ₹4 lakh last-year income plus two years' . Corporate tangible net worth must be at least five times the requested loan.
Value awaiting review
Nil processing fee and nil account-handling charge.
Nil prepayment, pre-closure and part-payment charge.
Current floating table: 11.20% at CIBIL 750+, 11.55% at 700–749, 12.05% at 650–699, 13.05% at 600–649, 14.05%below 600 and 12.05% for -1/0/01–05.
, shown as 8.05%, plus 3.15%–6.00% according to band.
₹2 lakh minimum and ₹50 lakh maximum
finance is the lowest of eligible assessment, 70% of certified market/invoice value or 100% of insured declared value.
Maximum 60 months.
Salaried and other individual applicants: ₹3 lakh last-year income with two years' /Form 16. Eligible Government/ pensioners need ₹25,000 monthly pension.
Value awaiting review
0.50% of loan amount, minimum ₹500
account-handling charge 0.20%, minimum ₹1,500 and maximum ₹10,500, excluding .
No prepayment charge for floating-rate retail loans to individuals under the current service-charge rule.
New car: floating 7.65%–9.70% p.a. for non-EV and 7.60%–9.65% for e-vehicles
fixed 8.65%–10.70% and 8.60%–10.65%, respectively, by band. Women row: 7.65%/7.60% floating irrespective of . Old car: floating 9.45%–10.55%
fixed 10.45%–11.55% by band. Rate page dated 8 October 2026.
Floating car-loan rows use + with borrower//vehicle-specific spreads. PNB's current is 8.35% effective 8 October 2026. No product is supplied here
PNB's printed all-in vehicle rates are not recalculated.
Up to 25 times net monthly salary, maximum ₹1 crore for the four-wheeler scheme
new vehicles are financed up to 90% of on-road price in the scheme chart.
New vehicle: up to 84 or remaining service, whichever is shorter. Old vehicle (not over 3 years old): up to 60 or remaining service, whichever is shorter. Repayment must finish by age 70 for salaried borrowers with pension/pensioners and age 65 for others.
₹25,000 net monthly salary, pension or income. No minimum income amount is required when the borrower provides liquid term-deposit security equal to 110% of the loan.
Value awaiting review
0.25% of loan amount
minimum ₹1,000 and maximum ₹1,500. Documentation charge: nil. Applicable taxes/ are extra.
Floating rate: no prepayment charge. Fixed rate: 2% of the outstanding prepaid amount. No charge for own-source repayment, or for switching to another bank within 30 days after an upward rate revision or change in sanction terms
the public page also gives the benchmark-reset notice/exit windows.
Up to 84 months or the remaining housing-loan repayment period, whichever is shorter.
Salaried: gross monthly income at least ₹50,000. Professional/self-employed/business: average post-tax annual income at least ₹6 lakh over the previous 3 years, with consistent income growth.
Value awaiting review
Nil for PNB Combo Loan Scheme in the current retail-advance charge schedule.
No rupee cap is stated. The 15% on-road margin allows finance up to 85% of price
PNB may reduce margin to 10% case by case, allowing up to 90%.
Maximum 84 monthly instalments of principal and interest
repayment begins in the succeeding month.
Gross income of at least ₹1,00,000 per month or ₹12,00,000 per year, or equivalent.
Individual with valid Indian passport and valid work visa/permit
must hold an account with PNB for at least 6 months or with another bank for the preceding 12 months. A resident-Indian relative—spouse, father, mother, son, daughter, daughter-in-law, sister or brother—must guarantee the loan
another resident Indian may guarantee only if the listed relative is unavailable. Vehicle is hypothecated to PNB and the bank branch must be named on the Joint Registration Certificate (JRC).
Current general Car Loan tariff: 0.25% of loan amount, minimum ₹1,000 and maximum ₹1,500. The tariff's documentation-charge cell is blank, not NIL. PNB's 01-10-2026 to 31-12-2026 campaign says Car Loan upfront/processing/documentation charges are fully waived
the tariff does not name the variant separately. All charges exclude /taxes.
the scheme rate is fixed at disbursement and does not reset with .
₹2 lakh to ₹1.5 crore
↑
10 years minus vehicle age, capped at 60 months
₹3 lakh for salaried, self-employed, professional and business applicants
Value awaiting review
1.50% of loan amount
minimum ₹3,000 and maximum ₹10,000, plus .
Certified Pre-Owned Car Loan prepayment costs 1% of the pre-payment amount plus , charged quarterly, within two years of disbursement. Foreclosure costs 3% of theo-balance plus within two years.
the scheme rate is fixed at disbursement and does not reset with .
Up to 100% of ex-showroom price
84 months
₹2 lakh
Existing housing-loan borrower with at least one year of satisfactory post-moratorium servicing, possession taken, valid equitable mortgage, required security margin and completed sanction terms
Value awaiting review
Standard auto-loan prepayment is NIL. Foreclosure is 2% of theo-balance plus when completed within two years of disbursement
actual seizure and parking charges apply if the bank seizes the vehicle.
the scheme rate is fixed at disbursement and does not reset with .
Up to 90% of on-road price
7 years
$1,000 net monthly income or $12,000 net annual income, or equivalent in another currency
Value awaiting review
Value awaiting review
Standard auto-loan prepayment is NIL. Foreclosure is 2% of theo-balance plus when completed within two years of disbursement
actual seizure and parking charges apply if the bank seizes the vehicle.
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.
Baroda Car LoanBank of Baroda
