To calculate your eligibility for an HDFC Bank Car Loan, you can refer to the detailed eligibility criteria provided on the HDFC Bank Car Loan page. Generally, your eligibility is determined based on several factors including your age, income, employment status, credit score, and repayment capacity. Salaried individuals, self-employed professionals, and business owners can all apply for a car loan, provided they meet the bank's specific requirements. Additionally, maintaining a good credit score and a stable financial history can enhance your eligibility for the loan. For precise eligibility calculations and personalized assessment, it is recommended to visit the HDFC Bank Car Loan webpage or consult with an HDFC Bank representative.

Individuals who are not eligible for HDFC’s Xpress Car Loan include:

• Individuals below 21 years of age 

•  Salaried individuals who exceed 60 years by the time of loan maturity 

• Self-employed individuals or professionals in sole proprietorship businesses who exceed 65 years by the time of loan maturity.

If you do not have valid income proof, you may not be eligible for a Car Loan. However, you can consider having a guarantor or a co-signer with a stable income and a good credit score. These alternatives can enhance your eligibility for a loan, although approval ultimately rests on your lender's policy.

HDFC Bank offers a seamless and convenient Auto Loan application process. You can apply for your Car Loan through HDFC Bank NetBanking services. Also, if you are an existing HDFC Bank customer, you may be eligible to get a pre-approved Car Loan in just 10 seconds. For more information, you can log into your HDFC Bank NetBanking account.

Before you apply for car finance, it is important to determine how much EMI you are comfortable paying. To know about the EMI you might have to pay, you can use the HDFC Bank Car Loan EMI Calculator.

You should check your Car Loan eligibility before applying. Both of these steps will allow you to prepare for your Car Loan application process.

• Here are some tips to get your Car Loan approved faster:
• Get your Know Your Customer (KYC) details handy.
• If you apply for a Car Loan online, it can get processed and approved faster.
• Being an existing HDFC Bank customer makes you eligible for a pre-approved Car 
• Loan that you can get in just 10 seconds.

Yes. HDFC Bank offers you up to 100% on-road funding for selected models of cars.

There’s no specified minimum credit score for getting a Car Loan from HDFC Bank. But a lower credit score can reduce the loan amount you can get. A credit score above 750 is considered excellent for loans. This will allow you to get a higher loan amount at the most affordable Car Loan rates.

HDFC Bank allows you to avail of zero-downpayment Car Loans. For select cars, the bank provides 100% financing of the on-road price of your car. This eliminates the burden of a downpayment.

HDFC Bank offers flexible tenure for Car Loan products. While the minimum tenure is 12 months, the maximum loan tenure you can avail of is up to 8 years for EVs. View tenures for Custom-Fit and Balloon EMI Car Loans here

Existing HDFC Bank Car Loan customers can share their Car Loan documents online through email. You can also request the Sales Manager of your car dealership to pick up the required documents at your convenience. Once the bank receives them, it will proceed with the Physical Approval, Digital Disbursal (PADD) process. You will receive an e-mandate form as consent for deducting EMIs from your HDFC Bank account.

You can check the status of your New Car Loan by using the HDFC Bank loan status checker.

To apply for an HDFC Bank New Car Loan as a salaried individual, you must be at least 21 years old at the time of application and not older than 60 years at the end of the loan tenure.

For an HDFC Bank New Car Loan, your minimum annual income must be ₹3 lakh, which can include the income of your spouse or co-applicant, to meet the eligibility requirements for salaried individuals.

You must have a minimum of 2 years of total work experience, including at least 1 year with your current employer, to be eligible for an HDFC Bank New Car Loan as a salaried individual.

To be eligible for an HDFC Bank New Car Loan as a salaried individual, you must have either a telephone connection or a post-paid mobile connection in your name.

As a self-employed sole proprietor in manufacturing, trading, or services, you must be between 21 and 65 years of age, have at least 2 years in business, and earn a minimum of ₹3 lakh per annum to qualify.

If you are a self-employed partner in a firm engaged in manufacturing, trading, or services, you can apply for an HDFC Bank New Car Loan provided your firm's annual turnover is at least ₹3 lakh.

If you own a private limited company involved in manufacturing, trading, or services, you are eligible for an HDFC Bank New Car Loan if your annual income is a minimum of ₹3 lakh.

As a director in a public limited company engaged in manufacturing, trading, or services, you must have a minimum annual income of ₹3 lakh to qualify for an HDFC Bank New Car Loan.

If you are a self-employed applicant, you must not be older than 65 years at the end of the loan tenure to be eligible for an HDFC Bank New Car Loan.

To qualify as a self-employed applicant for an HDFC Bank New Car Loan, you must have been in business for a minimum of 2 years, regardless of the business structure you operate under.