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.
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 effective rate 7.60%–11.30% p.a. for a new car
fixed effective rate 8.50%–11.20% p.a., subject to the applicant's credit profile and scheme conditions.
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.
₹2 crore individuals
₹5 crore non-individuals
Up to 84 months.
No fixed minimum income threshold is stated. Repayment capacity is tested against gross monthly income: total deductions including the proposed may be up to 60% below ₹50,000, 70%from ₹50,000 to below ₹1,50,000, and 80% at ₹1,50,000 or more. Other applicants are assessed on average annual income over the last 2 years: 60%below ₹6 lakh and 80% at or above ₹6 lakh.
₹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.
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 page states an additional 0.05% where the 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.
Up to 60 months.
Salaried persons, businessmen, professionals, farmers, and staff/ex-staff under the public scheme
borrower minimum age 21 and age at the end of repayment not above 70.
2% of the loan amount, minimum ₹250 + .
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 linked Baroda Car Loan page publishes new-car floating rates of 7.60%–11.30% p.a. ( −0.30% to + Strategic Premium +3.15%) and fixed rates of 8.50%–11.20% p.a. The applicable rate is based on applicant/co-applicant
the Yoddha page links to these car-loan details.
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, with uniform 10% margin
credit-life premium may take total up to 95%.
Up to 7 years.
No fixed minimum income amount is stated. The official table uses gross monthly income: total deductions including the proposed may be up to 60% below ₹50,000, 70%from ₹50,000 to below ₹1,50,000, and 80% at ₹1,50,000 or more
the page says the last 3 months’ is considered for salaried and pensioner applicants.
Nil processing charges for the Baroda Yoddha auto-loan offer.
Floating-rate: nil. Fixed-rate: 2% + on the prepaid amount above ₹40,000 during the first year.
No fixed income minimum is published. Total deductions including the proposed must not exceed 50% of below ₹20,000 per month, 60% for ₹20,000–below ₹1,00,000, or 70% for ₹1,00,000 and above.
2.00% of the loan amount, minimum ₹250 plus .
Floating-rate pre-closure: nil. Fixed-rate: nil part-payment up to cumulative ₹10,000 within the first 2 years and nil after 2 years
otherwise 2% plus on the entire pre-paid 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)
Up to 93% financing of a new private-use car
the vehicle-loan summary publishes up to ₹50 lakh for bob Digital Car Loan.
12 months to a maximum of 84 months, determined by the amount.
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.
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 7.60%–11.15% p.a. for a new electric vehicle.
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 maximum ₹3 crore)
up to 90% of on-road price.
Up to 84 months
salaried individuals with CIBIL 726 or above may receive up to 96 months. Fixed-rate minimum is 37 months.
Salaried employees, businessmen, professionals, farmers, eligible companies/firms and /
minimum borrower age 21 and maximum age at end of repayment 70
minimum CIBIL 701 or −1 is eligible.
₹750 + up to ₹10 lakh
₹1,000 + above ₹10 lakh.
Nil part-payment charges up to a cumulative ₹10,000within two years of first disbursement
nil prepayment charges after two years. If the amount exceeds ₹10,000 within the first two years, or the account is closed within two years, 2% + applies to the entire pre/part-paid amount.
1-year plus 2.00% to 3.50%, stated as 10.75% to 12.25%
a 0.50% concession is available for women borrowers and EV buyers, subject to the non-clubbing rule.
↓
plus 2
₹3 lakh
minimum ₹50,000. The product benefits mention up to 93% financing and specifies 7% margin.
12 to 60 months.
Salaried: minimum average net salary ₹20,000 over the last three months, or ₹25,000 for new-to-credit salaried customers
self-employed: minimum gross annual income ₹2.40 lakh.
2% of loan amount, minimum ₹1,000 plus .
Nil part-payment charges up to a cumulative ₹10,000within two years of first disbursement
nil prepayment charges after two years. If the amount exceeds ₹10,000 within the first two years, or the account is closed within two years, 2% + applies to the entire pre/part-paid amount.
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.
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.
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.
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.
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 scheme page links to PNB's current new-car rate table
the table publishes new-car floating rates from 7.60% to 9.70% p.a. and fixed rates from 8.60% to 10.70% p.a. by borrower//e-vehicle route, without a separate Combo line.
+ with the applicable new-car borrower/ spread
the Combo page does not publish a separate benchmark.
Up to 90% of the on-road price of the brand-new car
the page does not publish a separate rupee ceiling.
Up to 84 months or the remaining repayment period of the housing loan, whichever is shorter.
Salaried applicants: minimum gross monthly income ₹50,000. Professionals, self-employed and business applicants: minimum post-tax annual income ₹6 lakh, averaged over the last three years, with consistent gross-income growth.
NIL under the current PNB retail charge schedule for PNB Combo Loan Scheme.
Not published as a Combo Car Loan-specific amount on the reviewed scheme page or current charge schedule.
The current PNB new-car table publishes floating rates from 7.60% to 9.70% p.a. and fixed rates from 8.60% to 10.70% p.a., varying by vehicle type, and borrower route.
+ with -, vehicle- and borrower-route spread.
₹1 lakh minimum and ₹1 crore maximum.
Not published on the reviewed Digital Car Loan page
the standard vehicle scheme publishes up to 84 months for a new vehicle, subject to route and remaining service.
Minimum income ₹25,000 per month
two years' filing is mandatory.
NIL on the reviewed Digital Car Loan page for processing and documentation charges.
Not published as a Digital Car Loan-specific amount on the reviewed product page or current retail-charge table.
Current new e-vehicle rates run from 7.60% to 9.65% p.a. floating and 8.60% to 10.65% p.a. fixed, varying by borrower type and band
the table includes a 0.05% concession versus other new-car pricing.
+ with borrower and -dependent spread
the e-vehicle column receives a 0.05% rate concession.
For individuals and proprietorship concerns, up to 25 times gross monthly salary/pension/income with a ceiling of ₹1 crore
business concerns have no published ceiling.
Maximum 120 equated monthly instalments, beginning in the month after disbursement
repayment must finish by age 70 for salaried persons with pension/pensioners and age 65 for others.
Minimum net monthly salary, pension or income ₹25,000. No minimum monthly income is required when the borrower provides liquid security equal to 110% in a term deposit.
for new cars the top floating band is 7.65% p.a. (non-e-vehicle) or 7.60% p.a. (e-vehicle), while the Insta Vehicle fixed rows show 8.65%/8.60% for the corresponding vehicle types.
+ for floating vehicle-loan bands
the fixed option is stated as a percentage in PNB's current table.
90% of the car or two-wheeler on-road price, maximum ₹10 lakh.
Maximum 100 months for four-wheelers or 84 months for two-wheelers.
No fresh income proof is required
eligibility is based on an existing PNB home loan that has run for at least three years without an default.
Flat ₹1,000 under PNB's current Insta Vehicle Loan charge schedule
auto-loan table shows the 1-year reference at 8.70%
the listed scheme rates are fixed at disbursement and remain unchanged for the loan period.
₹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
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.
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.
No universal maximum tenure is published on the reviewed page/ for this variant
detailed scheme terms determine repayment tenure by purpose, vehicle/property and borrower profile.
No fixed rupee income floor is published
the standard vehicle page says quantum depends on gross income, , deductions, age and vehicle cost.
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.
No universal maximum tenure is published on the reviewed Union Vehicle page
repayment is by under scheme terms.
No fixed rupee salary or annual-income floor is published. Loan amount depends on age, gross income, , deductions and vehicle cost.
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
