AU Bank Car Loan EMI Calculator
Calculate monthly EMIs for financing passenger cars and utility vehicles through AU Wheels Loans across semi-urban and tier 2/3 locations.
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Official Rate Formula & Benchmark:
AU Wheels Loans finance up to 100% on-road funding for selected passenger cars with fixed interest rates starting from 8.99% p.a.
Current official starting rate: 8.99% p.a. (Range: 8.99% – 14.00% p.a.).
AU Bank Car Loan EMI Calculator
Interactive calculation engine using official AU Small Finance Bank rates
Official AU Small Finance Bank Rate (8.99%)
₹8,00,000
₹1.00 L₹2.00 Cr
%
5.00%Published range: 8.99% - 14%20.00%
5 Years(60 mo)
1 Yr30 Yrs
Monthly EMI
₹16,603
For 5 years at 8.99% p.a. reducing balance
Principal Loan Amount₹8,00,000
Total Interest Payable₹1,96,165
Total Amount Payable₹9,96,165
Principal (80.3%)Interest (19.7%)
Calculated according to standard Indian banking methodology (Quarterly compounding for deposits, monthly reducing balance for loans).
Yearly Repayment Schedule
| Year | Principal Paid | Interest Paid | Total Paid | Balance |
|---|---|---|---|---|
| Year 1 | ₹1,32,695 | ₹66,541 | ₹1,99,236 | ₹6,67,305 |
| Year 2 | ₹1,45,129 | ₹54,108 | ₹1,99,236 | ₹5,22,176 |
| Year 3 | ₹1,58,727 | ₹40,509 | ₹1,99,236 | ₹3,63,450 |
| Year 4 | ₹1,73,599 | ₹25,637 | ₹1,99,236 | ₹1,89,850 |
| Year 5 | ₹1,89,850 | ₹9,371 | ₹1,99,221 | ₹0 |
Rate Verification & Official Notice
Verified Official Published RateLast verified:
Rate Methodology →Headline / Starting Rate
8.99% p.a.
Effective Rate Range
8.99% – 14.00% p.a.
fixed RateBenchmark Index
RBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- Up to 100% on-road funding on select vehicle segments
- Tenures up to 7 years
Source: AU Bank Wheels Loan Rates
Rates subject to borrower risk-grade & RBI regulatory changes.How It Works
- 1Up to 100% on-road funding on select vehicle segments.
- 2Flexible repayment tenures up to 84 months.
- 3Quick paperless branch and digital processing.
Key Factors Influencing Your Rate
- •Customer credit bureau profile
- •Vehicle category and dealership tie-ups
Worked Numerical Example: AU Bank Car Loan EMI Calculator
Principal₹8,00,000
Rate Applied8.99% p.a.
Tenure5 Years
Monthly EMI₹16,603
For a ₹8,00,000 loan at 8.99% p.a. for 5 years (60 months), your monthly EMI is ₹16,603, with total interest of ₹1,96,165.
Frequently Asked Questions: AU Bank Car Loan EMI Calculator
- What is AU Wheels loan rate?
- Starts from 8.99% p.a.
- Max tenure?
- Up to 7 years.