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

₹ 8,424.
Here is how - Tata Indica Vista [2012-2014] price starts from ₹ 4,54,898 in Aligarh. If you pay a down payment of ₹ 39,421 for a 5-year loan available at 8% interest rate, your EMI amount will be ₹ 8,424.

The cheapest Indica Vista [2012-2014] model is GLS Safire65 which is priced at ₹ 4,54,898 in Aligarh. You will need to pay at least a ₹ 39,421 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 Aligarh	Max Loan
LS Quadrajet BS IV	₹ 5,91,987	₹ 5,26,000
LX Quadrajet	₹ 6,36,913	₹ 5,82,000
VX Quadrajet BS IV	₹ 6,66,627	₹ 5,93,000
ZX Quadrajet	₹ 7,06,980	₹ 6,46,636
LS TDI BS-III	₹ 5,37,014	₹ 4,78,000
LX TDI BS-III	₹ 5,91,987	₹ 5,26,000
GLS Safire65	₹ 4,54,898	₹ 4,15,477
GLX Safire65 BS IV	₹ 5,30,330	₹ 4,72,000
GVX Safire65 BS IV	₹ 5,58,181	₹ 4,97,000
GVX Safire90	₹ 6,56,182	₹ 5,99,775
GZX Safire90	₹ 7,11,830	₹ 6,51,110
GLX Safire90	₹ 6,05,283	₹ 5,52,822
D90 ZX+ BS IV	₹ 7,53,744	₹ 6,71,200
D90 VX BS IV	₹ 6,75,634	₹ 6,01,085

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 ₹ 7,090 but you will have to pay interest of ₹ 1,80,083 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 ₹ 14,255, but your interest payment will be only ₹ 97,703 over the 3 years period.

₹ 8,424
Tata Indica Vista [2012-2014] price starts from ₹ 4,54,898 in Aligarh.

We have considered
Down-payement : ₹ 39,421
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 ₹ 1,52,000

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 ₹ 4.55 Lakh, you can get a loan with an annual income as low as ₹ 1.52 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.