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.
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.
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.
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.
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.
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.
Up to 4% of loan amount for new and used two-wheelers.
₹0.65 per ₹1,000, or part thereof, charged daily on the overdue instalment.
Floating: the current retail-rate schedule states 10.65%–13.40% p.a. on + Strategic Premium + 2.50%–5.25%
the dedicated pre-owned-car page still states 10.20%–12.95% p.a. for the same spread. Fixed: 11.90%–14.65% p.a. on 1-year + Strategic Premium + 2.90%–5.65%. The official pages also differ on the Group Credit Life Insurance loading
confirm the applicable rate with Bank of Baroda before applying.
+ applicable spread
the retail-loan table identifies -linked pricing for these vehicle-loan rows.
The lowest of 75% of latest market value, 75% of agreement/invoice value, or 100% of insured declared value ().
Maximum 60 months
repayment period plus vehicle age from the original invoice date must not exceed 96 months.
Salaried employees and pensioners: ₹2.50 lakh and above. Businessmen, professionals, directors and agriculture/allied applicants: ₹3.00 lakh and above.
Resident Indian individuals, including salaried employees, pensioners, self-employed professionals, businessmen, private/public-company directors and persons in agriculture/allied activities. Minimum age 21
maximum age 70 at the end of repayment. Minimum CIBIL score 701
score −1 may also be considered. Existing customers with a -compliant account for at least six months may not need fresh .
0.50% of loan amount plus
minimum ₹2,500 plus and maximum ₹10,000 plus .
Floating rate: nil. Fixed rate: nil part-payment up to cumulative ₹40,000 within the first 2 years and nil after 2 years
2% plus applies to the entire prepaid amount when the ₹40,000 threshold is exceeded in the first 2 years or when the account is closed within the first 2 years.
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.
The current product page publishes fixed 13.65% p.a. (1-year + Strategic Premium + 4.65%) and floating 13.60% p.a. ( + Strategic Premium + 4.25%). The central retail-rate schedule publishes fixed 13.65% p.a. but floating 12.40% for the same + Strategic Premium + 4.25% formula. Both official values are retained because they conflict
the applicable sanctioned rate must be confirmed with . An additional 0.05% applies where an individual customer does not opt for Group Credit Life Insurance.
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 ₹10 lakh for all categories.
Up to 60 months.
Value awaiting review
Resident individuals including salaried employees, businessmen, professionals and farmers
Bank of Baroda staff and ex-staff can apply under the public scheme. The borrower must be at least 21 and borrower/co-applicant/guarantor age plus the repayment term must not exceed 70.
Normal two-wheeler loan: 2% of the loan amount plus , minimum ₹250 plus . The same service-charge schedule lists Digital Two Wheeler at 2% plus , minimum ₹1,000
this product is the normal two-wheeler row.
Floating-rate: nil. Fixed-rate: nil part payment up to ₹10,000 within the first two years and nil after two years
the page otherwise describes fixed-rate pre-closure conditions.
The Yoddha page links to the current Baroda Car Loan schedule. New-car fixed rate: 8.50%–11.20% p.a.
floating rate: 7.60%–11.30% p.a. ( − 0.30% to + Strategic Premium + 3.15%). The applicable rate is - and scheme-dependent
the Yoddha page does not publish a separate defence-only numeric rate.
current retail page publishes at 7.90% p.a. (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025, and 1-year at 8.75% effective 12 September 2026. These are reference rates, not a customer-specific Yoddha quote.
Up to 90% of the on-road price, with uniform 10% margin
credit-life premium may take total up to 95%.
Up to 7 years.
No fixed minimum income amount is published. The actual repayment-capacity rule is numerical: salaried/pensioner below ₹50,000 allows total deductions including the proposed up to 60%
₹50,000–below ₹1,50,000up to 70%
₹1,50,000 or moreup to 80%
the last three months' is considered.
Serving or retired personnel of the Indian Army, Navy, Air Force, Coast Guard, Assam Rifles, , , , or
individuals may borrow singly or jointly as resident Indians. A close relative may co-apply for higher eligibility and the income-counted applicant/co-applicant must be employed, in business or in a profession.
Nil for Baroda Yoddha Loan customers. The generic linked Car Loan schedule otherwise lists ₹1,500 + up to ₹10 lakh and ₹2,000 + above ₹10 lakh.
Floating-rate: nil. Fixed-rate: 2% + on the prepaid amount above ₹40,000 during the first year.
The dedicated Yoddha page does not publish a variant-specific rate. Its linked detailed page currently shows fixed 13.65% p.a. (1-year + + 4.65%) and floating 13.60% p.a. ( + + 4.25%), while the current central retail-rate schedule shows fixed 13.65% and floating 12.40% for the same floating formula. Both official values are preserved
no single Yoddha rate is inferred and the sanctioned rate must be confirmed at application.
Dedicated Baroda Yoddha Two-Wheeler Loan route for eligible defence personnel covered by the Yoddha offering. The dedicated page does not publish a separate numeric rate, limit or tenure
it links to the detailed two-wheeler terms for those values. The linked general terms list salaried employees, businesspersons, professionals, farmers and staff/ex-staff as general applicant groups, subject to Bank assessment.
The current service-charge schedule lists nil processing charges for Baroda Yoddha customers where the Yoddha concession applies. For comparison, the linked normal two-wheeler row is 2% plus , minimum ₹250 plus .
Floating-rate pre-closure is nil. For fixed-rate two-wheeler loans, cumulative part payment up to ₹10,000 is nil within the first 2 years and after 2 years
otherwise 2% plus applies to the entire amount within the first 2 years, including closure.
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
Fixed 8.50%–11.05% p.a. for a new electric vehicle. Floating 7.60%–11.15% p.a. ( −0.30% to + +3.00%). A 0.05% additional rate applies on each floating slab when an individual does not opt for Group Credit Life Insurance (GCLI)
a 0.05% concession is offered for opting in, subject to the published minimum rate of 8.65% on the fixed-rate note.
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 ₹5 crore for private-use vehicles: individual borrowers up to ₹3 crore and non-individual borrowers up to ₹5 crore. Finance is up to 90% of the on-road price, so the published margin is 10%.
Up to 84 months
salaried individuals with CIBIL 726 or above may receive up to 96 months. Fixed-rate minimum is 37 months.
Value awaiting review
Salaried employees
businessmen, professionals and farmers
directors of private/public limited companies, proprietors and partnership firms
corporate entities and firms including , trusts and societies
and /. Borrower minimum age is 21
co-applicant minimum age is 18
age at the end of repayment must not exceed 70.
₹750 + for a loan up to ₹10 lakh
₹1,000 + above ₹10 lakh. The benefits section describes a 50% concession in the applicable processing charge.
Floating-rate individual: nil. Floating-rate non-individual: 4% of outstanding within six months of disbursement, nil after six months. Fixed-rate: nil part-payment up to cumulative ₹40,000within two years and nil after two years
otherwise 2% + on the entire prepaid amount when the ₹40,000/two-year limit is exceeded or the account is closed within two years.
1-year + 2.00% to 3.50%, stated on the page as 10.75%–12.25%. Women borrowers and EV buyers receive a 0.50% concession over the applicable rate
concessions cannot be clubbed and are capped at 0.50%.
↓
+ 2
₹50,000 to ₹3 lakh. The Benefits section separately advertises up to 93% finance
states a 7% margin on ex-showroom price plus RTO charges.
12 to 60 months.
Salaried applicants: average net salary of at least ₹20,000 for the last three months
new-to-credit salaried customers: at least ₹25,000. Self-employed individuals: minimum gross annual income ₹2,40,000.
Salaried employees of Central/State Government, , autonomous bodies, listed public limited or private limited companies, trusts or
or self-employed professionals (including doctors, engineers, architects, interior designers, technology-management consultants and practising company secretaries), insurance agents and self-employed businesspersons. A six-month savings-account relationship with any bank is required
salary must be credited for salaried applicants and account conduct satisfactory for self-employed applicants.
2% of the loan amount, subject to a minimum of ₹1,000 plus . Processing charges, and stamp duty must be paid upfront before e-stamping/e-signing
ETB customers may be debited from the operative account and NTB or other-bank-statement journeys use the payment gateway.
2% plus on the amount prepaid when the prepaid amount is above ₹10,000 during the first one year of the loan period. The product page's one-year rule is retained instead of the older generic two-wheeler two-year note.
linked to score and calculated on a daily reducing balance.
The published starting rate is linked to the borrower’s score and calculated on a daily reducing balance. No separate named benchmark is published on the reviewed page.
Up to 90% of the cost for a new vehicle and up to 70% for an old vehicle. No third-party guarantee is required up to ₹50 lakh under the stated condition.
Two-wheelers: up to 60 months. Four-wheelers and water vehicles: up to 84 months.
No fixed individual salary or annual-income amount is published. The page requires salary slips/ or self-employed financial statements
sanction depends on repayment capacity and credit assessment.
Salaried employees, businessmen, professionals, farmers, directors, proprietors, partners, and are listed. Individual entry age is 18–65 years. Other entities must meet the published four-times average annual cash-accrual and minimum 1.25 rule.
New four-wheelers: 0.25%, minimum ₹2,500 and maximum ₹10,000. Two-wheelers and old vehicles: 1.00%, minimum ₹1,000 and maximum ₹5,000. E-vehicles receive a 50% processing-fee concession.
No prepayment penalty is published for this product.
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.
CRG-Prime effective rate shown in Canara's official fixed-rate retail table: 8.60% p.a.
the applicable customer rate can vary by risk grade and prevailing table.
Repo Linked Lending Rate (), shown at 8.00% in the reviewed Canara rate table
spread and concessions depend on CRG grade.
No upper limit is published for a new electric vehicle
financing is up to 90% of new-vehicle cost, subject to eligibility and repayment capacity.
Up to 84 .
Salaried: minimum gross salary ₹3 lakh a year. Other-than-salaried: latest gross annual income ₹3 lakh and three-year gross-average annual income at least ₹2.50 lakh. Agriculturist applicant/co-applicant combined income: at least ₹4 lakh a year.
Value awaiting review
0.25% of loan amount, minimum ₹1,000 plus and maximum ₹5,000 plus . A 50% waiver is published for 1 July 2026 to 30 September 2026.
The official Canara vehicle rate-range table shows 7.45%–15.00% p.a. contracted range (mean 9.09%) for Canara Vehicle
the agriculturist variant follows the vehicle scheme and customer CRG.
Vehicle scheme benchmark is not separately stated on the agriculturist page
the applicable Canara retail vehicle rate table governs pricing.
No upper limit, but total quantum cannot exceed one year's annual borrower income. For a used vehicle not over three years old, the amount is the least of 60% appraised value, 60% agreed price, 60% original price or ₹50 lakh, with minimum 50% margin.
New vehicles: maximum 84 months. Used vehicles: maximum 60 months or remaining useful life, whichever is lower. Monthly, quarterly, half-yearly or yearly repayment may follow income/crop cycle.
Net take-home after must be 40% of gross annual income and at least ₹1.50 lakh a year. Dairy, poultry, plantation and horticulture applicants need minimum gross annual income of ₹4 lakh where the landholding test does not apply.
Value awaiting review
0.25% of loan amount, minimum ₹1,000 plus and maximum ₹5,000 plus
a 50% waiver is published for 1 July 2026 to 30 September 2026.
Fixed-rate table for Canara Vehicle four-wheelers: effective rates are 8.70%–10.85% p.a. for women borrowers and 8.75%–10.85% p.a. for other borrowers across CRG-PRIME/CRG 1–4.
Repo Linked Lending Rate (), 8.00% w.e.f. 12 March 2026
fixed vehicle rates add a 0.75% fixed-rate premium and CRG risk spread.
No upper limit for new vehicles, subject to eligibility and repayment capacity. Pre-owned cars may receive up to ₹50 lakh subject to required margin
new vehicles can be financed up to 90% of cost.
New vehicles: maximum 84 months. Pre-owned vehicles: maximum 60 months or remaining useful life, whichever is lower.
Salaried and other-than-salaried individual applicants need minimum gross annual income of ₹3 lakh
non-salaried applicants also need three-year gross-average annual income of at least ₹2.50 lakh.
Value awaiting review
0.25% of loan amount, minimum ₹1,000 plus and maximum ₹5,000 plus . A 50% processing-charge waiver is published for 1 July 2026 to 30 September 2026.
The Cent Go Green Vehicle page links the latest Central Bank rate table but does not name a benchmark.
Salaried applicants: 24 times gross monthly salary. Other individuals: two times average annual income of the last two years. Maximum is ₹10 lakh for a new two-wheeler and ₹1 crore for a new four-wheeler.
Up to 72 months for a two-wheeler and up to 96 months for a four-wheeler.
₹3 lakh for a four-wheeler and ₹1.80 lakh for a two-wheeler.
Individuals aged 18 to 65: specified permanent salaried employees, self-employed/professional/entrepreneur applicants, farmers in production or allied activities, and applying jointly with a resident close relative for use in India. Maximum two applicants
The page links Central Bank's latest interest-rate table but does not name a benchmark.
Salaried applicants: 24 times gross monthly salary. Other individuals: two times average annual income of the last two years. Maximum ₹10 lakh for a new two-wheeler and ₹2 crore for a new four-wheeler.
Up to 60 months for a two-wheeler and up to 84 months for a four-wheeler.
₹3 lakh for a four-wheeler and ₹1.80 lakh for a two-wheeler.
Individuals aged 18 to 65: specified permanent salaried employees, self-employed/professional/entrepreneur applicants, farmers in production or allied activities, and jointly with a resident close relative. Maximum two applicants
co-borrower required above age 60.
Two-wheeler: 0.50% of loan amount, minimum ₹500 and maximum ₹2,000. Four-wheeler: 0.50% plus , minimum ₹2,000 plus and maximum ₹20,000 plus . Full processing-fee waiver through 31 December 2026
7.55% to 8.85% p.a. floating for IB Vehicle Loan in Indian Bank's current rate table
separate rows also list Eco Vahan at 7.50%–8.75%, used-car purchase at 9.55%–11.65% and two-wheelers at 8.90%–10.40%.
The current vehicle-loan rate rows are labelled floating but do not identify a named benchmark or spread.
New car up to ₹5 crore
new two-wheeler up to ₹10 lakh
used car up to ₹3 crore.
New car maximum 84 months
new two-wheeler maximum 48 months
used car maximum 72 months.
New car: salaried gross monthly income ₹25,000
pension ₹20,000 monthly
professional/self-employed/business net annual income ₹3 lakh. New two-wheeler: salaried net salary ₹10,000
pension ₹10,000
professional/self-employed/business net annual income ₹1.50 lakh. Used car: salaried net salary ₹20,000
pension ₹20,000
professional/self-employed/business net annual income ₹3 lakh. Firms and companies must have generated net profit during the last two years.
Salaried, professional, businessman, self-employed, , pensioner and eligible bank employees with NOC can apply, subject to the vehicle-specific income table and the bank's appraisal.
New car: ₹1,200 plus . New two-wheeler: 1% of loan amount. Used car: 1% of loan amount, capped at ₹10,000
applies as stated in the schedule.
Nil prepayment charge for individual borrowers
2% of outstanding balance for non-individual borrowers, as stated on the current vehicle-loan page.
four-wheeler LMV: up to ₹15 lakh. Each limit is need-based and subject to repayment capacity.
Two-/three-wheeler: up to 60 months. New four-wheeler: up to 84 months.
At least ₹2.50 lakh gross annual income applies only to dairy, poultry, plantation, horticulture or other allied-activity applicants seeking a 3/4-wheeler under the landholding exemption
it is not a universal scheme threshold.
New or existing farmers engaged in agriculture/allied activities with branch-assessed repayment capacity. Two-wheelers require direct agriculture/allied engagement. Three/four-wheelers normally require more than 1 acre of land in the applicant's name and 2 years of satisfactory bank dealings. For dairy, poultry, plantation, horticulture and other allied activities, the land threshold is waived if gross annual income is at least ₹2.50 lakh for a 3/4-wheeler. A branch may consider 1 acre where farm-produce transport use and economic viability are established.
Circle Heads may extend up to 72 months. Two-wheeler finance: maximum 5 years in 10 half-yearly instalments.
Value awaiting review
Individual, Hindu Undivided Family or association of persons engaged in farming/allied activities
companies and cooperative societies are excluded. Minimum landholding is 3 acres for a truck, 2 acres for a light/medium vehicle such as jeep, pickup van or mini-truck, and 1 acre for a two-wheeler.
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.
other borrowers, including business concerns, 11.35%/12.35% p.a. The page prints these as current values.
Salaried: + + 2.75 percentage points. Other borrowers, including business concerns: + + 3.25 percentage points. PNB's current is 8.35% effective 8 October
printed present rates are retained, not recalculated.
₹10 lakh for super-bikes/hybrid two-wheelers with engine capacity 200 cc and above
₹1.50 lakh for other eligible two-wheelers.
Scooter/motorcycle: 60 months
scooterette: 30 months
moped: 24 months.
₹10,000 after all deductions, including the proposed instalment.
Value awaiting review
0.50% of loan amount
minimum ₹500 and maximum ₹1,000. Taxes/ are extra.
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.
Current Green Vehicle table: new electric four-wheeler 7.50%–9.90% p.a. by score and borrower type
new electric two-wheeler 10.90%–11.00% p.a.
Union Bank's published reference benchmark is (Repo Rate), shown as 8.00% effective 13 June 2026 on the current loans-and-advances rate page. Product-specific premiums and concessions are shown separately in the retail table.
No separate Green Vehicle ceiling is published in the reviewed table
the standard vehicle page publishes no ceiling for a new four-wheeler, ₹10 lakh for a new two-wheeler and ₹20 lakh for an eligible old four-wheeler.
Value awaiting review
Value awaiting review
The applicant must meet Union Bank vehicle-loan conditions and purchase an eligible electric vehicle
the page states Green Miles is the electric-vehicle segment.
No numeric processing-fee amount or percentage is published on the reviewed product pages or in the current retail for this product family. The Union Vehicle page mentions a processing-fee cheque when applying, but does not publish the fee amount on the reviewed page.
No numeric prepayment or foreclosure charge is published on the reviewed product page or current retail table for this variant.
Current retail table: new four-wheeler 7.60%–10.00% p.a. depending on score and borrower type
new two-wheeler 10.90%–11.20%
old four-wheeler up to 3 years11.60%–11.70%
Green Vehicle rates are lower in the separate Green Vehicle table.
Union Bank's published reference benchmark is (Repo Rate), shown as 8.00% effective 13 June 2026 on the current loans-and-advances rate page. Product-specific premiums and concessions are shown separately in the retail table.
New four-wheeler: no ceiling published. Old four-wheeler not older than 3 years: up to ₹20 lakh. New two-wheeler: up to ₹10 lakh.
Value awaiting review
No fixed rupee salary or annual-income floor is published. Loan amount depends on age, gross income, , deductions and vehicle cost.
Individuals may finance a new four-wheeler, a used four-wheeler not older than 3 years or a new two-wheeler. Companies and firms may borrow for professional-use vehicles. A minimum CIBIL score of 700 is required for the application to be considered for further processing.
No numeric processing-fee amount or percentage is published on the reviewed product pages or in the current retail for this product family. The Union Vehicle page mentions a processing-fee cheque when applying, but does not publish the fee amount on the reviewed page.
No numeric prepayment or foreclosure charge is published on the reviewed product page or current retail table for this variant.
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
Baroda Two Wheeler LoanBank of Baroda
