Tata Indica Vista [2012-2014] Car Loan EMI Calculator

₹ 8,341.
Here is how - Tata Indica Vista [2012-2014] price starts from ₹ 4,51,345 in Bharuch. If you pay a down payment of ₹ 39,970 for a 5-year loan available at 8% interest rate, your EMI amount will be ₹ 8,341.

The cheapest Indica Vista [2012-2014] model is GLS Safire65 which is priced at ₹ 4,51,345 in Bharuch. You will need to pay at least a ₹ 39,970 down payment to buy this model.

Note: Down payment is the amount you would pay upfront to buy your car. Bank give you a loan for the remaining amount.

Here is a model wise list of max loan amount for Indica Vista [2012-2014].

Version	On-road price in Bharuch	Max Loan
LS Quadrajet BS IV	₹ 5,75,178	₹ 5,24,000
LX Quadrajet	₹ 6,37,092	₹ 5,81,000
VX Quadrajet BS IV	₹ 6,46,868	₹ 5,90,000
ZX Quadrajet	₹ 7,07,182	₹ 6,45,528
LS TDI BS-III	₹ 5,22,626	₹ 4,76,999
LX TDI BS-III	₹ 5,68,661	₹ 5,18,000
GLS Safire65	₹ 4,51,345	₹ 4,11,375
GLX Safire65 BS IV	₹ 5,10,679	₹ 4,66,000
GVX Safire65 BS IV	₹ 5,37,833	₹ 4,91,000
GVX Safire90	₹ 6,51,490	₹ 5,94,255
GZX Safire90	₹ 7,07,493	₹ 6,45,814
GLX Safire90	₹ 6,00,267	₹ 5,47,098
D90 ZX+ BS IV	₹ 7,29,401	₹ 6,65,984
D90 VX BS IV	₹ 6,52,910	₹ 5,95,563

As a thumb rule, you can get a maximun loan of up to 100% of the ex-showroom price.

Good Practice will be to chose the shortest possible tenure for which you can afford an EMI amount.

• 1. If you select a higher tenure loan, let's say 7 years, your EMI for Indica Vista [2012-2014] GLS Safire65 will be ₹ 7,035 but you will have to pay interest of ₹ 1,79,565 over the period of 7 years.
• 2. If you select a lower tenure loan, let's say 3 years, your EMI amount will be higher at ₹ 14,144, but your interest payment will be only ₹ 97,809 over the 3 years period.

₹ 8,341
Tata Indica Vista [2012-2014] price starts from ₹ 4,51,345 in Bharuch.

We have considered
Down-payement : ₹ 39,970
Tenure : 5 years
Interest Rate : 8%

You will need to fulfill the following 2 criteria to buy Indica Vista [2012-2014] with a loan

• 1. Age should be above 21
• 2. Your annual income should be above ₹ 1,51,000

As a general rule, banks or other lenders offer you a car loan 3 to 4 times your annual income. Considering the on-road price of Indica Vista [2012-2014] starts from ₹ 4.51 Lakh, you can get a loan with an annual income as low as ₹ 1.51 lakh.

Here are the most important things you should consider while getting a car loan for a new Indica Vista [2012-2014]

• 1. Interest rate - Go for the loan with the lowest interest rate.
• 2. Additional Charges - processing fee, prepayment charges, late payment penalty are some of the important points you need to check before taking a loan.
• 3. Tenue and Max Loan Amount - Select a lender who gives you a loan that you can afford.
  -If Max loan amount is lower, you will have to shell out more money upfront to buy the car.
  -If Tenue is lower, your per month instalment amount will increase.
• 4. Eligibility - Banks may have stricter eligibility requirements compared to NBFCs or other financial institutions.