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HDFC Bank Car Loan Interest Rate November 2026

Updated 2 November 2026Rates from official bank websitesHow we check rates

HDFC Bank advertises car loan rates starting from 8.4% per annum. For ₹8 lakh over 5 years that is an EMI of about ₹16,375 a month.

Starting rate8.4%per annum
EMI per month₹16,375₹8 lakh, 5 years
Total interest₹1,82,482over the full term
Max tenuren/aas stated by the bank

HDFC Bank car loan rates and charges

Starting interest rate8.4% per annum
Applies toDepends on loan amount, tenure and bureau score
Processing feeUp to 0.5% of the loan amount (min ₹3,500, max ₹8,000)
PrepaymentNot stated on the page we checked
Maximum tenureNot stated on the page we checked

Source: HDFC Bank official page, checked 2 November 2026.

These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.

HDFC Bank car loan EMI calculator

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₹5 lakh for 3 years₹5 lakh for 5 years₹5 lakh for 7 years₹8 lakh for 3 years₹8 lakh for 5 years₹8 lakh for 7 years₹10 lakh for 3 years₹10 lakh for 5 years₹10 lakh for 7 years₹15 lakh for 3 years₹15 lakh for 5 years₹15 lakh for 7 years

Compare HDFC Bank with other banks

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Frequently asked questions

What is the HDFC Bank car loan interest rate?

HDFC Bank's website advertises car loan rates starting from 8.4% per annum (checked 2026-11-02). The rate you get depends on your credit score, income and loan amount.

What is the EMI on a ₹8 lakh car loan from HDFC Bank?

At the starting rate of 8.4% over 5 years the EMI is about ₹16,375 a month, with total interest of about ₹1,82,482. A higher personal rate would raise this.

What is the processing fee for a HDFC Bank car loan?

HDFC Bank states: Up to 0.5% of the loan amount (min ₹3,500, max ₹8,000).

Does HDFC Bank charge prepayment charges on a car loan?

The page we checked did not state prepayment terms. Please confirm with the bank.

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