Looking for a 3 Lakh Car Loan? Finance a new or used car, matched to lenders based on the vehicle and your income profile.
Car Loan is typically available from ₹100,000 to ₹10,000,000 over a tenure of 12–96 months, at indicative rates of 9.1%–15% p.a.
Lenders typically assess: Salaried or self-employed with a regular income; Minimum age as per lender policy; Reasonable existing obligations relative to income.
Eligibility and final terms are set by the lender at the time of application — the figures here are indicative starting points, not a guarantee of approval or of the exact rate you'll be offered.
3 Lakh Car Loan EMI calculator
Estimate your monthly instalment and see the full year-by-year principal and interest breakdown.
Maximum loan amount: ₹1,00,00,000
Indicative range for Car Loan: 9.10% – 15.00%
Maximum tenure: 8 years (96 months)
Monthly EMI
₹16,646
Total interest
₹1,98,732
Total payment
₹9,98,732
Indicative only — your actual EMI depends on the lender's exact rate and terms at sanction.
Principal vs. interest
- Principal 80.1%
- Interest 19.9%
Principal & interest paid per year
Time on the x-axis, amount repaid on the y-axis — early on leans toward interest, later on toward principal.
Full breakdown, starting this month
Assumes your first EMI falls this month — click a period to see every month within it.
Sep 2026 – Aug 2027 Principal paid₹1,32,377 Interest paid₹67,369 Total paid₹1,99,746
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Sep 2026 | ₹10,579 | ₹6,067 | ₹16,646 | ₹7,89,421 |
| Oct 2026 | ₹10,659 | ₹5,986 | ₹16,646 | ₹7,78,762 |
| Nov 2026 | ₹10,740 | ₹5,906 | ₹16,646 | ₹7,68,022 |
| Dec 2026 | ₹10,821 | ₹5,824 | ₹16,646 | ₹7,57,201 |
| Jan 2027 | ₹10,903 | ₹5,742 | ₹16,646 | ₹7,46,297 |
| Feb 2027 | ₹10,986 | ₹5,659 | ₹16,646 | ₹7,35,311 |
| Mar 2027 | ₹11,069 | ₹5,576 | ₹16,646 | ₹7,24,242 |
| Apr 2027 | ₹11,153 | ₹5,492 | ₹16,646 | ₹7,13,088 |
| May 2027 | ₹11,238 | ₹5,408 | ₹16,646 | ₹7,01,850 |
| Jun 2027 | ₹11,323 | ₹5,322 | ₹16,646 | ₹6,90,527 |
| Jul 2027 | ₹11,409 | ₹5,237 | ₹16,646 | ₹6,79,118 |
| Aug 2027 | ₹11,496 | ₹5,150 | ₹16,646 | ₹6,67,623 |
Sep 2027 – Aug 2028 Principal paid₹1,44,939 Interest paid₹54,807 Total paid₹1,99,746
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Sep 2027 | ₹11,583 | ₹5,063 | ₹16,646 | ₹6,56,040 |
| Oct 2027 | ₹11,671 | ₹4,975 | ₹16,646 | ₹6,44,369 |
| Nov 2027 | ₹11,759 | ₹4,886 | ₹16,646 | ₹6,32,610 |
| Dec 2027 | ₹11,848 | ₹4,797 | ₹16,646 | ₹6,20,762 |
| Jan 2028 | ₹11,938 | ₹4,707 | ₹16,646 | ₹6,08,824 |
| Feb 2028 | ₹12,029 | ₹4,617 | ₹16,646 | ₹5,96,795 |
| Mar 2028 | ₹12,120 | ₹4,526 | ₹16,646 | ₹5,84,675 |
| Apr 2028 | ₹12,212 | ₹4,434 | ₹16,646 | ₹5,72,464 |
| May 2028 | ₹12,304 | ₹4,341 | ₹16,646 | ₹5,60,159 |
| Jun 2028 | ₹12,398 | ₹4,248 | ₹16,646 | ₹5,47,762 |
| Jul 2028 | ₹12,492 | ₹4,154 | ₹16,646 | ₹5,35,270 |
| Aug 2028 | ₹12,586 | ₹4,059 | ₹16,646 | ₹5,22,684 |
Sep 2028 – Aug 2029 Principal paid₹1,58,693 Interest paid₹41,054 Total paid₹1,99,746
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Sep 2028 | ₹12,682 | ₹3,964 | ₹16,646 | ₹5,10,002 |
| Oct 2028 | ₹12,778 | ₹3,868 | ₹16,646 | ₹4,97,224 |
| Nov 2028 | ₹12,875 | ₹3,771 | ₹16,646 | ₹4,84,349 |
| Dec 2028 | ₹12,973 | ₹3,673 | ₹16,646 | ₹4,71,376 |
| Jan 2029 | ₹13,071 | ₹3,575 | ₹16,646 | ₹4,58,305 |
| Feb 2029 | ₹13,170 | ₹3,475 | ₹16,646 | ₹4,45,135 |
| Mar 2029 | ₹13,270 | ₹3,376 | ₹16,646 | ₹4,31,865 |
| Apr 2029 | ₹13,371 | ₹3,275 | ₹16,646 | ₹4,18,495 |
| May 2029 | ₹13,472 | ₹3,174 | ₹16,646 | ₹4,05,023 |
| Jun 2029 | ₹13,574 | ₹3,071 | ₹16,646 | ₹3,91,449 |
| Jul 2029 | ₹13,677 | ₹2,968 | ₹16,646 | ₹3,77,772 |
| Aug 2029 | ₹13,781 | ₹2,865 | ₹16,646 | ₹3,63,991 |
Sep 2029 – Aug 2030 Principal paid₹1,73,752 Interest paid₹25,995 Total paid₹1,99,746
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Sep 2029 | ₹13,885 | ₹2,760 | ₹16,646 | ₹3,50,106 |
| Oct 2029 | ₹13,991 | ₹2,655 | ₹16,646 | ₹3,36,115 |
| Nov 2029 | ₹14,097 | ₹2,549 | ₹16,646 | ₹3,22,018 |
| Dec 2029 | ₹14,204 | ₹2,442 | ₹16,646 | ₹3,07,815 |
| Jan 2030 | ₹14,311 | ₹2,334 | ₹16,646 | ₹2,93,503 |
| Feb 2030 | ₹14,420 | ₹2,226 | ₹16,646 | ₹2,79,084 |
| Mar 2030 | ₹14,529 | ₹2,116 | ₹16,646 | ₹2,64,555 |
| Apr 2030 | ₹14,639 | ₹2,006 | ₹16,646 | ₹2,49,915 |
| May 2030 | ₹14,750 | ₹1,895 | ₹16,646 | ₹2,35,165 |
| Jun 2030 | ₹14,862 | ₹1,783 | ₹16,646 | ₹2,20,303 |
| Jul 2030 | ₹14,975 | ₹1,671 | ₹16,646 | ₹2,05,328 |
| Aug 2030 | ₹15,088 | ₹1,557 | ₹16,646 | ₹1,90,239 |
Sep 2030 – Aug 2031 Principal paid₹1,90,239 Interest paid₹9,507 Total paid₹1,99,746
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Sep 2030 | ₹15,203 | ₹1,443 | ₹16,646 | ₹1,75,036 |
| Oct 2030 | ₹15,318 | ₹1,327 | ₹16,646 | ₹1,59,718 |
| Nov 2030 | ₹15,434 | ₹1,211 | ₹16,646 | ₹1,44,284 |
| Dec 2030 | ₹15,551 | ₹1,094 | ₹16,646 | ₹1,28,732 |
| Jan 2031 | ₹15,669 | ₹976 | ₹16,646 | ₹1,13,063 |
| Feb 2031 | ₹15,788 | ₹857 | ₹16,646 | ₹97,275 |
| Mar 2031 | ₹15,908 | ₹738 | ₹16,646 | ₹81,367 |
| Apr 2031 | ₹16,029 | ₹617 | ₹16,646 | ₹65,339 |
| May 2031 | ₹16,150 | ₹495 | ₹16,646 | ₹49,189 |
| Jun 2031 | ₹16,273 | ₹373 | ₹16,646 | ₹32,916 |
| Jul 2031 | ₹16,396 | ₹250 | ₹16,646 | ₹16,520 |
| Aug 2031 | ₹16,520 | ₹125 | ₹16,645 | ₹0 |
Why FynnEdge?
You could go directly to a bank. But why apply for a 3 Lakh Car Loan through us?
One profile, many lenders
Share your details once — we match you against multiple lenders' criteria instead of you applying to each one separately.
Clear, upfront eligibility
See which lenders you're likely eligible for, with plain-language reasons, before you apply.
A fully online journey
Check eligibility, compare lenders and apply — all online, without a branch visit.
Free EMI & credit tools
Plan your EMI and check your credit score for free, before you commit to anything.
Guidance, not just a listing
We help you understand your options and why a lender is or isn't a fit — not just hand you a list.
No service charges
Comparing and applying through FynnEdge is free. Any lender fees are disclosed upfront by the lender.
What our customers say
“I compared three lenders on FynnEdge in minutes instead of visiting three branches. The eligibility check was upfront and honest about what I actually qualified for.”
Ananya Rao
Bengaluru
“What I liked most was there were no surprise charges — everything the lender would charge was shown before I applied.”
Vikram Singh
Delhi
“Got a clear picture of interest rates and processing fees across lenders before walking into the showroom to finalise my car.”
Sneha Deshmukh
Car Loan customer, Nagpur