Can I get a 0% interest personal loan?

Written by Admin | Last Updated: July 2026

As of mid-2026, finding a 1.9% interest rate on a car loan is highly improbable. Current market data for car loan interest rates in India typically starts closer to 7.45% per annum for the most creditworthy borrowers. Rates are influenced by repo rates and broader economic policies, and the prevailing market environment keeps rates significantly higher than 1.9%. While some manufacturers might offer subsidized sub-vented rates on specific car models as a marketing incentive, these are exceptional cases rather than standard bank loan offerings. You should rely on current market benchmarks and be prepared for interest rates in the 7% to 9% range, even with a strong credit score and stable income.

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