सार्वजनिक क्षेत्र का बैंक (PSU Bank)इलेक्ट्रिक वाहन (EV)⚡ 20 basis points (0.20%) interest discount; extended 8-year tenure; zero processing feeसत्यापित: 2026-09-29 (180-दिवसीय SLA)

एसबीआई ग्रीन कार लोन (इलेक्ट्रिक वाहन)

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

EV loan with 20 bps interest discount, zero processing fee, and 8-year tenure.

अधिकतम ऋण राशिUp to 90% of On-Road Price

ब्याज दर8.55% – 9.60% (20 bps concession on regular rate)

पुनर्भुगतान अवधिUp to 8 years (96 months)

मार्जिन मनी आवश्यकता10% of on-road price

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

उत्पाद का संक्षिप्त विवरण

India's first dedicated electric vehicle auto finance program encouraging eco-friendly mobility with a 20 bps interest discount, zero processing fee, and an industry-longest 8-year repayment tenure.

प्रमुख लाभ एवं विशेषताएं

20 bps (0.20%) lower interest rate than standard car loans; longest tenure in India (8 years / 96 months); nil processing fee; up to 90% on-road funding.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

आवेदक की पात्रता शर्तें

Salaried or self-employed applicants purchasing new electric passenger vehicle.

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

Nil prepayment penalty

📂आवश्यक दस्तावेज (Required Documents)

Aadhaar, PAN, Last 3 months salary slips, 6 months bank statement, EV proforma invoice showing battery specification.

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

Restricted strictly to 100% battery electric vehicles (BEVs) approved by ARAI. Hybrid or petrol/diesel cars ineligible.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

Apply via SBI YONO selecting Green Car Loan under Loan section.

2. नए ग्राहक (ऑनलाइन):

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

3. बैंक शाखा या डीलर पर:

Visit any SBI branch with EV dealer quotation and salary documents.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक MITC दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the interest concession for electric cars?

SBI offers an automatic 20 basis points (0.20%) concession over the applicable standard car loan interest rate.

What is the maximum tenure for SBI Green Car Loan?

The repayment tenure can extend up to 8 years (96 months), which is 1 year longer than regular car loans.

Is processing fee charged for Green Car Loan?

No, SBI provides a 100% waiver of processing charges for all electric vehicle loans.

Are hybrid vehicles eligible?

No, the Green Car Loan is strictly applicable to pure Battery Electric Vehicles (BEVs).