HDFC Bank Car Loan EMI Calculator — FY 2026-27
Calculate monthly EMI for an HDFC Bank Car Loan at the current HDFC card rate. HDFC funds up to 100% ex-showroom + accessories. Rate pre-fill tracks HDFC card rate as of 16 April 2026.
Starting rate: 9.4% p.a.Last updated: Editorial
Loan inputs
- Monthly EMI
- ₹16,762
- Principal
- ₹8.00 L
- Total Interest
- ₹2.06 L
- Total Payment
- ₹10.06 L
Principal vs Interest
Amortization Schedule
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| Year 1 | ₹2,01,149 | ₹1,31,520 | ₹69,629 | ₹6,68,480 |
| Year 2 | ₹2,01,149 | ₹1,44,429 | ₹56,720 | ₹5,24,051 |
| Year 3 | ₹2,01,149 | ₹1,58,606 | ₹42,543 | ₹3,65,445 |
| Year 4 | ₹2,01,149 | ₹1,74,174 | ₹26,975 | ₹1,91,271 |
| Year 5 | ₹2,01,149 | ₹1,91,271 | ₹9,878 | ₹-0 |
About this HDFC EMI Calculator
This HDFC EMI Calculator computes the monthly EMI, total interest, and full amortization schedule for a HDFC Bank car loan at the current rate card (starting 9.4% p.a. for eligible borrowers). It uses the same reducing-balance formula that HDFC Bank’s official per-lakh EMI table publishes, so the output matches your sanction letter to the rupee.
HDFC Bank offers EMI calculator variants across loan products — pick the one that matches your use case:
- HDFC Home Loan EMI — starting 8.75% p.a., up to 30-year tenure
- Personal Loan rates at HDFC — starting 10.85% p.a., up to 6-year tenure
For the generic EMI math that underlies every bank’s calculator, see the general EMI Calculator. For a full lifetime-cost model, use the Home Loan Total Cost Calculator.
HDFC Bank Car Loan EMI Calculator — FAQ
What is the current HDFC car loan interest rate?
HDFC Bank car loans typically start from 9.40% p.a. for salaried applicants with CIBIL 750+ on new cars. Premium-brand tie-ups (Maruti, Hyundai) sometimes offer 50-100 bps lower (FY 2026-27 — verify on hdfcbank.com).
Does HDFC fund 100% of car price?
Yes, for select new-car brands and preferred-customer profiles HDFC funds up to 100% of the ex-showroom price, sometimes including insurance + accessories. Standard LTV is 85-90%. Used cars cap at 70-80%.
What is the maximum tenure on HDFC car loans?
7 years (84 months) for new cars, 5 years for used cars, 4 years for preowned-beyond-5-years. Longer tenure lowers monthly EMI but increases total interest significantly.
Are there prepayment charges on HDFC car loans?
Yes. HDFC typically charges 6% of outstanding principal if prepaid within 13 months, 5% between 13-24 months, 3% after. Car loans are not covered by RBI's no-prepayment mandate (which applies only to floating-rate home loans for individuals).
Other bank EMI calculators
SBI Home Loan EMI
Starting 8.5% p.a. · ₹50L default
HDFC Bank Home Loan EMI
Starting 8.75% p.a. · ₹50L default
ICICI Bank Home Loan EMI
Starting 8.75% p.a. · ₹50L default
Axis Bank Home Loan EMI
Starting 8.75% p.a. · ₹50L default
SBI Personal Loan EMI
Starting 11.5% p.a. · ₹5L default
HDFC Bank Personal Loan EMI
Starting 10.85% p.a. · ₹5L default
SBI Car Loan EMI
Starting 9.2% p.a. · ₹8L default
Kotak Mahindra Bank Home Loan EMI
Starting 8.65% p.a. · ₹50L default