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🚗 Auto Loan / Car Loan EMI Calculator

Calculate your car loan EMI, total interest paid, and complete repayment schedule for any vehicle loan.

🚗Calculate Car Loan EMI
%
months
Vehicle Price
Down Payment
Loan Amount
Monthly EMI
Total Interest
Total Amount Payable

How Car Loan EMI Works

EMI = [P × r × (1+r)^n] / [(1+r)^n − 1]. A higher down payment reduces your loan amount and total interest. A shorter tenure increases EMI but reduces total interest paid significantly.

Car Loan Tips

  • Aim for at least 20% down payment to reduce loan burden
  • Keep EMI below 10–15% of your monthly take-home salary
  • Check for processing fees and prepayment penalties
  • Compare bank rates vs manufacturer financing offers

Current Car Loan Rates in India

Car loan interest rates in India range from 8.5% to 15% per annum. Bank rates are generally lower than NBFC rates. Your credit score plays a major role in the rate you get.