HDFC Bank Car Loan in Jaipur and Rajasthan

Who are we in relation to HDFC Bank?

We are a direct selling agent (DSA) for HDFC Bank, for car loans only. That means we help you apply to HDFC Bank, prepare the paperwork and stay with you until the loan is done. We do not lend money. HDFC Bank decides whether a loan is approved, and on what amount, rate and terms.

Many people in Jaipur search for an HDFC car loan branch or office. We are not one. Our only office is in Jodhpur, at 2, Kailash Apartment, 4th A Road, Sardarpura, Jodhpur, Rajasthan 342003, and we serve clients in Jaipur and across Rajasthan by WhatsApp and phone. If you need HDFC Bank's own branch, find it on HDFC Bank's website.

Which car loans can we arrange with HDFC Bank?

New car loans. You choose the car and the dealer, and we help with the application and the dealer's side of the paperwork. See new car loans.
Used car loans. HDFC Bank checks the car as well as you, so the car's papers and valuation matter. See used car loans.

This page is about car loans only. We do not arrange HDFC Bank's other products.

How does an HDFC Bank used car loan work?

With a used car loan, HDFC Bank looks at the car as well as at you. It values the car itself, and the loan is based on that value, which is not always the price you agreed with the seller. The car's age, its papers and its condition all matter. HDFC Bank's own policy decides what it will finance and on what terms.

That is why the paperwork needs care. Before you pay the seller, check these:

The registration certificate (RC) is in the seller's name, and the chassis and engine numbers match it.
No old loan is still recorded on the RC. If there is one, the seller's lender has to issue a no-objection certificate first.
The insurance policy and the pollution certificate are valid, and no traffic challans are pending.

After you buy, the RC is transferred into your name at the RTO, HDFC Bank's hypothecation is recorded on it, and the car's insurance moves to you. We tell you which documents are needed and in what order, so the loan, the transfer and the insurance line up. The full steps are on our used car loan page, and our guide on how a new and a second-hand car loan differ explains the difference.

The rate, the amount, the tenure and the eligibility rules for a used car are HDFC Bank's to set, and they change, so we do not publish them here. Once you have HDFC Bank's offer, put its figures into the EMI calculator on the used car loan page and compare the total you would repay, not only the monthly EMI.

Can you arrange it if I live outside Jodhpur?

Yes. We arrange car loans for clients across India, and we deal with car dealers across Rajasthan and India, so the city you buy in does not decide where the loan is arranged. Most of it happens over WhatsApp and phone. When a case needs someone on the spot, an advisor can travel. More on working with us across Rajasthan.

How does it work?

Message us on WhatsApp with the car you want, where you are and whether you are salaried, self-employed or a business owner.
Send your documents. The list is in our car loan documents checklist. HDFC Bank's own list is the one that counts, and we tell you if anything is missing before you apply.
We prepare and submit the application and follow it up with HDFC Bank for you.
HDFC Bank decides. If it approves, you read the sanction letter before you accept. We explain it line by line.
Disbursal and insurance. We coordinate with your dealer, and we can arrange the car's motor insurance in the same place.

What does it cost you?

You pay Radiant Group nothing. HDFC Bank pays us a commission when a loan goes through. That is an incentive, and we do not pretend otherwise: here is how we handle it. HDFC Bank's own charges are set by the bank and written in its sanction letter. We do not quote rates or fees on this page, because the bank's own offer to you is the only figure that counts. Use the EMI calculator with that offer in hand.

Do you only work with HDFC Bank?

No. We also arrange car loans with other banks and NBFCs, so you can compare. We are open about the HDFC Bank relationship so you know where we stand.

Questions about HDFC Bank car loans

Is Radiant Group an HDFC Bank branch?

No. Radiant Group is an independent advisory business and a direct selling agent for HDFC Bank car loans. Our only office is in Jodhpur, at 2, Kailash Apartment, 4th A Road, Sardarpura, Jodhpur, Rajasthan 342003.

Can I get an HDFC Bank car loan in Jaipur through Radiant Group?

We can arrange it for you in Jaipur by WhatsApp and phone, and an advisor can travel when a case needs it. We have no office in Jaipur. HDFC Bank decides whether the loan is approved.

Can I get an HDFC Bank loan for a used car?

We arrange HDFC Bank car loans for used cars as well as new ones. HDFC Bank decides whether a particular car and borrower qualify, and on what terms. The car's age, valuation and papers are part of that decision.

What is the HDFC Bank used car loan interest rate?

It is set by HDFC Bank and depends on you and on the car, so we do not quote one. Ask for HDFC Bank's offer for your case, read the sanction letter, and check the total you would repay.

What decides whether I am eligible for a used car loan?

HDFC Bank's own policy. In general lenders look at your income, your credit history and your existing loans, and for a used car also at the car. We can tell you what is missing from your documents before you apply, but we cannot promise an outcome.

Can Radiant Group promise that HDFC Bank will approve my loan?

No. HDFC Bank decides approval, the amount and the terms. We prepare the paperwork, follow up for you and stay with you until it is done.

Do I pay Radiant Group for arranging an HDFC Bank car loan?

No. You pay us nothing. HDFC Bank pays us a commission when a loan goes through, and you can ask us at any point why we suggest an option.

Does this cover HDFC Bank's other loans?

No. We arrange HDFC Bank car loans, new and used, and nothing else from HDFC Bank.

HDFC Bank car loans in Jaipur and across Rajasthan