Loan Details
Ex-Showroom Price
₹10.00L
₹6L
₹8L
₹10L
₹15L
₹20L
₹30L
Down Payment
₹2.00L (20%)
10%
15%
20%
25%
30%
Interest Rate (per annum)
8.5%
SBI 8.5%
HDFC 8.75%
ICICI 9%
Axis 9.5%
NBFC 11%
Loan Tenure
5yrs
1 yr
3 yrs
4 yrs
5 yrs
7 yrs
📊 Year-by-Year Breakdown
🚗 On-Road Price — Lucknow (UP)
Ex-Showroom Price--
UP Road Tax (8% for cars under ₹10L, 10% above)--
Registration Charges--
Insurance (1st year est.)--
Fastag + Accessories (approx.)₹3,500
💰 Total On-Road Price
--
⚖️ Tenure Comparison
| Tenure | Monthly EMI | Total Interest | Total Payment |
|---|
🏦 Bank Rates — Lucknow 2026
| Bank | Rate p.a. |
|---|---|
| SBI Car Loan | 8.50% |
| HDFC Bank | 8.75% |
| ICICI Bank | 9.00% |
| Axis Bank | 9.25% |
| Bank of Baroda | 8.70% |
| PNB | 8.90% |
| Kotak Bank | 9.50% |
| NBFC (Bajaj etc.) | 10–14% |
*Rates vary. Call us for current confirmed rates.
💡 EMI Tips for Lucknow Buyers
Pay 20–25% down to keep EMI under ₹20,000/mo for a ₹10L car
SBI and Bank of Baroda typically give lowest rates in Lucknow
Pre-approved loan gets you better dealer bargaining power
7-year tenure lowers EMI but doubles interest cost
CIBIL score above 750 gets you best rate — check before applying
🔥 Lucknow Dealer Tip
Always ask the dealer for "subvented rate" or "manufacturer finance" — brands like Maruti, Kia and Hyundai often offer special rates (6.9–7.9%) through their own finance arms, especially at month-end. Call us before visiting — we track these offers live.
🚗 Popular Car EMIs
Maruti Swift — from ~₹11,000/mo
Maruti Brezza — from ~₹15,500/mo
Kia Seltos — from ~₹19,500/mo
Hyundai Creta — from ~₹20,000/mo
Mahindra XUV700 — from ~₹26,000/mo
Kia Carens — from ~₹18,500/mo
*At 8.5% for 5 years with 20% down