Car Loan: Diwali ke tyohari mausam mein nayi car kharidne ka plan bana rahe ho? GST reforms aur car companies ke heavy discounts ke baad, ab sahi time hai! Lekin car loan choose karna important hai taaki EMI aur interest zyada na ho. Is article mein hum detail mein bata rahe hain top 10 government banks ke car loan offers. Interest rates 7.60% se start, zero processing fees jaise festive deals, aur 5 lakh loan par 5 saal ke liye EMI calculations. Ye sab latest October 2025 ke according hai, jisse aap best deal pakad sako. Chalo, start karte hain!
Kyun Diwali Mein Car Loan Lene Ka Best Time Hai?
Diwali par banks special offers dete hain jaise low interest, waived fees, aur no prepayment charges. Car prices bhi down hain discounts ki wajah se. Plus, tax benefits milte hain. Agar aap salaried ho ya business owner, credit score achha hai toh lowest rates mil sakte hain. Remember, rates borrower ke profile par depend karte hain – jaise CIBIL score, income, etc.
Ab seedhe list par aate hain. Humne ek table banaya hai for easy comparison (5 lakh loan, 5 years tenure par EMI approx hai):
| Bank Name | Interest Rate (%) | EMI Range (₹) for 5 Lakh / 5 Years | Processing Fee | Festive Offer |
|---|---|---|---|---|
| UCO Bank | 7.60 – 10.25 | 10,043 – 10,685 | 0.50% (₹5,000 fixed) | None specified |
| Canara Bank | 7.70 – 11.70 | 10,067 – 11,047 | 0.25% (₹1,000 – ₹5,000) | None specified |
| Bank of Maharashtra | 7.70 – 12.00 | 10,067 – 11,122 | 0.25% (up to ₹15,000) | Processing fee waived! |
| Union Bank of India | 7.80 – 9.70 | 10,090 – 10,550 | Up to ₹1,000 | Processing fee waived under Diwali scheme |
| Indian Overseas Bank | 7.80 – 12.00 | 10,090 – 11,122 | 0.50% (₹500 – ₹5,000) | None specified |
| Punjab National Bank | 7.85 – 9.70 | 10,102 – 10,550 | Zero (festive offer) | Zero fees, no prepayment charges till Dec 2025! |
| Bank of India | 7.85 – 12.15 | 10,102 – 11,160 | 0.25% (₹2,500 – ₹10,000) | None specified |
| Bank of Baroda | 8.15 – 11.60 | 10,174 – 11,021 | Up to ₹2,000 | None specified |
| IDBI Bank | 8.30 – 9.15 | 10,210 – 10,416 | Up to ₹2,500 | None specified |
| State Bank of India (SBI) | 8.80 – 9.90 | 10,331 – 10,599 | Zero | No processing fee always |
Sabse Sasta Car Loan Kaun Sa? Quick Analysis
- Top Pick for Lowest Rate: UCO Bank (7.60% se shuru) – Agar aapka credit score high hai, toh yeh best hai. EMI sirf ₹10,043 se start!
- Best Festive Deal: Punjab National Bank – 7.85% rate, zero processing fee, aur no prepayment penalty. Diwali tak valid, jaldi apply karo.
- Zero Fee Options: SBI mein hamesha zero fee, plus Union aur Bank of Maharashtra mein Diwali par waived.
- High Range Wale: Bank of India ya IOB mein rates up to 12% ja sakte hain, so compare karo.
EMI calculation monthly interest rate par based hai. Formula: EMI = P × r × (1+r)^n / ((1+r)^n – 1), jahan P=5 lakh, r=annual rate/12/100, n=60 months. Actual EMI bank ke calculator se confirm karo.
Read more: – Corporate Credit Card: Kya Hai Ye? Business Expenses Manage Karne Ka Sabse Simple Way!
Kaise Apply Kare Aur Tips for Best Deal
- Eligibility Check: Minimum age 21, income ₹20,000/month, good CIBIL (700+).
- Documents: Aadhaar, PAN, salary slips, bank statements.
- Online Apply: Banks ke websites par jaao, jaise SBI.co.in ya PNBindia.in. Instant approval mil sakta hai.
- Compare Tools: Paisabazaar ya BankBazaar use karo for real-time comparison.
- Avoid Pitfalls: Prepayment charges check karo (PNB mein zero), aur insurance add-ons na lo agar nahi chahiye.
Example: Agar aap ₹5 lakh loan lete ho UCO Bank se 7.60% par, toh total interest ~₹1 lakh hoga, EMI low rahegi.
Diwali Ko Banao Special Nayi Car Se!
Diwali par ye sarkari banks ke offers se aapki dream car affordable ban jaati hai. Lowest rates UCO aur Canara se, best deals PNB se. Jaldi action lo kyunki festive offers limited time ke hain! Bank se direct contact karo latest confirm karne ke liye. Koi sawal? Comment karo. Happy Diwali aur safe driving!
