HDFC Car Loan EMI Calculator
Preset to HDFC's current car loan emi rate of 9.2%. Change any value to see your own numbers.
- Current rate 9.20%
- Range 9.10–9.70%
- Rank #6 of 7 banks
- Verified 16 July 2026
HDFC Car Loan EMI Calculator
- Principal₹8,00,000
- Total interest₹2,88,019
- Total payment₹10,88,019
Where your money goes
- Principal ₹8,00,000
- Interest ₹2,88,019
HDFC car loan interest rates 2026
| Tenure / slab | Rate |
|---|---|
| New car (pre-approved customer) | 9.10% |
| New car (standard salaried) | 9.20% |
| New car (standard, higher slab) | 9.45% |
| New car (self-employed) | 9.70% |
This Car Loan calculator is preset to HDFC Bank's current 9.2% rate (as of 16 July 2026), so the EMI you see the moment the page loads reflects a real HDFC loan — change the amount or tenure to match yours.
HDFC's car loan rates run from 9.10% to 9.70% depending on your profile and loan size. Below is HDFC's full rate table, the fees and rules that actually apply, and how HDFC compares with the 7 banks we track — the one thing no bank's own page will show you.
HDFC car loan — key facts
- Finances up to 100% of the ex-showroom price on select models.
- Processing fee ranges from ₹3,500 to ₹11,000 based on the loan amount (plus applicable taxes).
- Foreclosure charges are 6% of the outstanding principal within the first year, reducing to 3% after 24 months.
- Maximum repayment tenure is up to 7 years (84 months).
How HDFC compares
HDFC's car loan rate is above the category median. BoB is cheaper at 8.85%.
HDFC car loan FAQs
What is HDFC's car loan interest rate in 2026?
HDFC Bank offers car loan rates from 9.1% to 9.7% (indicative headline 9.2%). The exact rate depends on your credit score, income and loan amount.
What are the fees on a HDFC car loan?
The processing fee is ₹3,500–₹11,000 based on loan amount + taxes. Finances up to 100% of the ex-showroom price on select models.
Can I prepay or foreclose my HDFC car loan early?
Foreclosure charges are 6% of the outstanding principal within the first year, reducing to 3% after 24 months.
How is the EMI on a HDFC car loan calculated?
The EMI uses the reducing-balance method — interest is charged only on the outstanding balance, so the interest share of each instalment falls over time. At 9.2% the calculator above shows your monthly EMI; change the amount and tenure to match your loan.