Car kharidna ab easy ho gaya hai thanks to CBI Car Loan vs SBI Car Loan.
Par question ye hai: CBI vs SBI — kaunsa car loan aapke liye best hai?
Is blog me hum dono ke interest rates, eligibility criteria, loan amount, tenure aur benefits compare karenge, taaki aap informed decision le sakein.
🏦 1. Loan Amount & Tenure Comparison
| Feature | CBI Car Loan | SBI Car Loan |
|---|---|---|
| Loan Amount | ₹50,000 – ₹30 lakh | ₹1 lakh – ₹50 lakh |
| Tenure | 1 – 7 years | 1 – 7 years |
| New/Used Car | New, Used, EV | New, Used, EV |
| EV Loan | Available | Available |
💡 Tip: SBI ka higher loan limit large premium cars ke liye better hai.
💰 2. Interest Rate Comparison
| Vehicle Type | CBI Interest Rate | SBI Interest Rate |
|---|---|---|
| New Car | 8.70% – 9.50% p.a. | 8.50% – 9.75% p.a. |
| Used Car | 10% – 11.50% p.a. | 9.50% – 11.25% p.a. |
| EV Loan | 8.50% – 9% p.a. | 8% – 9% p.a. |
💬 Insight: SBI slightly lower rates for EVs & premium vehicles.
📋 3. Eligibility Comparison
| Criteria | CBI Car Loan | SBI Car Loan |
|---|---|---|
| Age | 21 – 65 years | 21 – 65 years |
| Employment | Salaried / Self-employed | Salaried / Self-employed / Professionals |
| Minimum Income | ₹20,000/month | ₹20,000 – ₹25,000/month |
| Credit Score | 700+ recommended | 700+ recommended |
| Co-applicant | Optional | Optional / Recommended |
💡 Tip: Both banks prefer stable income & good CIBIL score.
🧾 4. Documents Comparison
| Document | CBI Car Loan | SBI Car Loan |
|---|---|---|
| Aadhaar / PAN | Required | Required |
| Salary Slips / ITR | Required | Required |
| Bank Statement | 6 months | 6 months |
| Vehicle Quotation | Required | Required |
| Address Proof | Electricity bill / Passport | Same |
💬 Insight: Documents similar, dono me online & offline apply possible.
💡 5. Benefits Comparison
| Feature | CBI Car Loan | SBI Car Loan |
|---|---|---|
| Quick Approval | Yes | Yes |
| Low Processing Fees | 0.25% | 0.25% – 0.50% |
| Flexible EMI | Yes | Yes |
| EV Loan | Yes | Yes, slightly lower rate |
| Trusted Service | Central Bank of India | State Bank of India |
💬 Insight: SBI ka nationwide reach & premium loan options thode better hain, CBI fast approval aur competitive EV loan ke liye popular hai.
🌐 6. How to Apply
CBI Car Loan:
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Visit CBI Official Website
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Loans → Vehicle Loan → Apply Online
SBI Car Loan:
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Visit SBI Official Website
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Loans → Auto Loan → Apply Online
💡 Tip: Online apply karna dono banks me easy aur fast approval ke liye recommended hai.
🏁 Conclusion
CBI Car Loan vs SBI Car Loan 2025:
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CBI: Quick approval, good EV loans, competitive for small-to-mid range cars.
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SBI: Slightly better interest rates for premium & EV cars, larger loan limit, nationwide presence.
Pro Tip: Agar aapko fast approval + low processing fee chahiye → CBI Car Loan
Agar aapko high loan amount & better interest rate for premium car chahiye → SBI Car Loan
Check your CBI Car Loan vs SBI Car Loan eligibility today and choose the best option for your dream car! 🚗✨
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