सार्वजनिक क्षेत्र का बैंक (PSU Bank)कार / चार पहिया वाहन (4W)⚡ Standard rate; see SBI Green Car Loan for EV discountसत्यापित: 2026-09-29 (180-दिवसीय SLA)

एसबीआई कार लोन

ऋण प्रदाता बैंक / संस्था: State Bank of India (SBI)

Auto finance up to 90% on-road price with 7-year tenure linked to EBLR.

अधिकतम ऋण राशिUp to 85%–90% of On-Road Price

ब्याज दर8.75% – 9.80% (Floating linked to EBLR)

पुनर्भुगतान अवधिUp to 7 years (84 months)

मार्जिन मनी आवश्यकता10% to 15% of on-road price

🚗उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

India's benchmark auto loan offering financing on the entire on-road price including registration, road tax, and insurance with flexible 7-year repayment.

प्रमुख लाभ एवं विशेषताएं

Finances on-road price (not just ex-showroom); lowest interest spreads over repo rate; repayment up to 84 months; zero prepayment charges after 24 months.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

आवेदक की पात्रता शर्तें

Salaried individuals with 2 years work experience or self-employed with 2 years ITR. Minimum net annual income ₹3,00,000.

प्रीपेमेंट एवं समय-पूर्व बंद करने के नियम (Prepayment Terms)

Nil prepayment penalty after 2 years

📂आवश्यक दस्तावेज (Required Documents)

Aadhaar Card, PAN Card, Last 3 months salary slips, Form 16, 6 months bank statement, Dealer proforma quotation.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)

Requires minimum net annual income of ₹3 Lakh for salaried and ₹4 Lakh for self-employed individuals. Vehicle hypothecated to bank.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

Instant sanction on SBI YONO app in 4 clicks for pre-approved customers.

2. नए ग्राहक (ऑनलाइन):

Apply online at sbi.co.in/web/personal-banking/loans/auto-loans/sbi-car-loan.

3. बैंक शाखा या डीलर पर:

Visit nearest SBI branch or auto dealer with salary slips and dealer proforma invoice.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक MITC दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

Does SBI Car Loan cover on-road price?

Yes, SBI finances up to 85% to 90% of the total on-road price including registration fees, road tax, and comprehensive motor insurance.

What is the maximum loan tenure for SBI Car Loan?

The maximum repayment tenure is 7 years (84 months).

Are there any prepayment charges?

SBI charges zero prepayment or foreclosure penalty on floating rate car loans after 2 years of regular EMI servicing.

Can self-employed individuals apply?

Yes, self-employed individuals with minimum 2 years ITR and annual net profit of ₹4 Lakh are fully eligible.