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UCO Bank had the lowest starting rate in an 18-lender comparison reported by Mint on October 11, 2026: 7.35% per annum. That is an indicative starting rate, not a guaranteed offer. The same report gives sample EMIs for a ₹5 lakh loan over five years, but your actual rate and repayment will depend on your profile, loan amount, tenure and lender eligibility. Compare your written offer—including fees and total cost—before choosing a loan.
Which lender has the lowest starting car-loan rate?
Mint reported that Paisabazaar data placed UCO Bank at the lowest starting rate among 18 lenders, at 7.35% per annum, in its October 11, 2026 comparison. A starting rate is a market floor, not a promise that every applicant will qualify. The rate in a lender’s offer can depend on credit profile, loan amount, tenure and eligibility.
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The accessible text of Mint’s report does not show every row of its 18-lender chart. The figures below are the October examples available in that report, not a complete lender ranking. Do not treat a missing lender row as a zero fee or an unavailable product.
Reported rates, EMIs and processing fees
| Lender | Reported rate or fee | Reported EMI example | What to check |
|---|---|---|---|
| UCO Bank | Starting rate 7.35% per annum; processing fee about 0.5%, capped at ₹5,000. | ₹9,983–₹10,624 a month on ₹5 lakh over five years. | Confirm the applicable rate, fee basis and cap in your offer. |
| Bank of Maharashtra | Starting rate 7.45%. Mint also reported a 0.25 percentage-point concession for eligible existing customers with at least six months’ relationship. | ₹10,007–₹11,059 a month on ₹5 lakh over five years. | Confirm current eligibility and whether the relationship concession applies. |
| Canara Bank | Starting rate 7.45%; Mint reported a 50% processing-fee waiver through December 31, 2026. | Not stated in the accessible Mint report text. | Check the waiver’s availability, conditions and expiry with the bank. |
| Central Bank of India | Mint reported nil processing fee. | Not stated in the accessible Mint report text. | Confirm the current schedule and eligibility. |
| Indian Overseas Bank | Mint reported nil processing fee. | Not stated in the accessible Mint report text. | Confirm the current schedule and eligibility. |
| IDFC FIRST Bank | Processing fee reported as up to 5%; the accessible text does not specify the exact basis or all conditions. | Not stated in the accessible Mint report text. | Ask how the fee is calculated and which terms apply. |
| Bank of India | Reported rate range 7.60%–12.55%. | Not stated in the accessible Mint report text. | The range is not an individual quote; ask for your sanctioned rate. |
| Punjab and Sind Bank | Reported rate range 7.55%–14.05%. | Not stated in the accessible Mint report text. | The range is not an individual quote; ask for your sanctioned rate. |
Rates, fees, concessions and EMIs above are indicative figures reported by Mint from Paisabazaar data on October 11, 2026. Confirm current terms directly with the lender before applying. The report’s accessible text does not provide all 18 chart entries, so this table includes only the reported examples and does not reconstruct the missing rows. Mint’s October 11, 2026 report.
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What would the EMI be on ₹5 lakh for five years?
In Mint’s October 2026 comparison, the reported monthly EMI range was ₹9,983–₹10,624 for UCO Bank and ₹10,007–₹11,059 for Bank of Maharashtra, for ₹5 lakh over five years. These are comparison examples, not personalized repayment quotes.
Even with the same principal and tenure, an EMI range signals that one headline figure cannot describe every borrower’s offer. Use the EMI in your sanction terms and check the total interest payable over the full tenure. A lower monthly payment alone does not establish that a loan costs less overall.
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How to compare loan offers beyond the starting rate
- Get the actual sanctioned annual rate. Ask whether it is fixed or floating, and how a rate change would affect repayment.
- Compare like with like. Use the same loan amount and tenure when comparing EMIs; also compare total interest across the full repayment period.
- Add all disclosed charges. Check processing and other fees, along with prepayment or foreclosure charges. A low headline rate or EMI does not by itself mean the lowest total cost.
- Read the Key Fact Statement and loan agreement. Review the rate type, term, fees, EMI and foreclosure charges, and compare the APR or other disclosed total-cost measure where provided. RBI’s bank customer-service circular calls for disclosure of loan fees and charges and a concise key fact statement for individual borrowers. Check the current rules and documents that apply to your loan. RBI customer-service circular.
- Verify conditional offers before relying on them. Ask the lender whether you qualify for a concession or waiver, how it affects your written offer, and when the offer ends.
Why processing fees and concessions need a closer look
A nil processing fee may reduce one upfront cost, but it does not show the loan’s full cost. Compare the rate, total interest and all other applicable charges in the lender’s documents. For UCO Bank, Mint reported a processing fee of about 0.5%, capped at ₹5,000; the applicable charge should be confirmed with the lender.
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What the reported lender ranges do—and do not—tell you
Mint reported a 7.60%–12.55% rate range for Bank of India and a 7.55%–14.05% range for Punjab and Sind Bank. A range describes variation across offers; neither endpoint identifies the rate a specific borrower will receive. The comparison is attributed to Paisabazaar data as reported by Mint, not to independent lender testing.
For an individual decision, the written sanction terms matter more than the lowest advertised or reported starting point. Confirm the annual rate, repayment schedule and charges with the lender, then compare the total cost on the same amount and tenure.
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