Mobility Solutions
Car Loan ROI Matrix
Competitive rates for new and pre-owned vehicles, effective from 08-10-2026.
Base Rate
7.45%
For New Vehicles
Preferred
Govt.
No CIC Score Barrier
Secured
7.45%
Mortgage Backed Loan
Confirmed Govt. Employees
| Credit Profile | New Car ROI | Old Car ROI |
|---|---|---|
Irrespective of CIC Score | 7.65% | 8.65% |
100% Secured by Mortgage
| Credit Profile | New Car ROI | Old Car ROI |
|---|---|---|
Irrespective of CIC Score | 7.65% | 8.65% |
Women Borrowers
| Credit Profile | New Car ROI | Old Car ROI |
|---|---|---|
Score 750 & Above | 7.65% | 8.75% |
Score 700 to 749 | 7.95% | 9.00% |
Score 650 to 699 | 8.45% | 9.50% |
Score less than 650 | 9.80% | 10.85% |
All Others (Up to 7 Years)
| Credit Profile | New Car ROI | Old Car ROI |
|---|---|---|
Score 750 & Above | 7.65% | 8.75% |
Score 700 to 749 | 8.05% | 9.10% |
Score 650 to 699 | 8.55% | 9.60% |
Score less than 650 | 9.80% | 10.85% |
Standard Terms & Conditions
Old car rates apply to vehicles up to 5 years old from date of registration. The ROI is floating and linked to the Bank's RLLR. Processing fees and documentation charges are extra as per bank policy.