3. AUTOMOBILE 2 WHEELER 3 WHEELER PASSENGER VEHICLE COMMERCIAL VEHICLE MOTORCYCLE SCOOTERS SCOOTERETTES MOPEDS I.C.V. M.C.V. H.C.V.

7. The Key Players… Two wheeler Passenger vehicle Bajaj Auto, Piaggio India Three Wheeler Hero Honda, Bajaj Auto, Honda Motors, TVS Motors, Yamaha , Kinetic Motors Two Wheeler TATA Motors, Maruti Udyog, Honda Motors, Toyata, Skoda, Mahindra & Mahindra, Daimler Chrysler, Hindustan Motors Passenger vehicle TATA Motors, Ashok Leyland, Swaraj Mazda,Mahindra & Mahindra ,Force motors, Eicher Motors Commercial vehicles

14. Comparison Less EMI’s, high EMI amt. More EMI’s, lower EMI amt. Result 30 36 EMI’s left Rs.91800 (6 EMI’s) Rs.1 lakh Upfront payment Rs.15300 Rs.12240 EMI 0 Rs.1 lakh Down payment (20%) Rs.5 lakh Rs.4 lakh Amount Advance Installment Margin money

18. Comparison of banks (new cars) Repayment periods from 1 to 5 years Finance upto 90% of car value, min amt Rs.50000 ABN AMRO Repayment periods from 1 to 5 years Finance upto 90% of car value Standard Chartered Repayment periods from 1 to 5 years Finance upto 90% of car value Citibank Repayment periods from 1 to 7 years Finance upto 90% of car value, min amt Rs.50000 HDFC Max period of 5 years Finance upto 85% of car value, min amt Rs.100000 Axis Max 7 yrs for salaried, 5 yrs for self employed & professionals No ceiling on loan amt for new cars, max 15 lacs for used cars SBI Repayment periods from 1 to 7 years Finance upto 95% of car value, min amt Rs.100000 ICICI Tenure Amount Bank

19. Interest & EMI’s 2155 3246 11-12.5% ABN Amro 2200 3150 11-12.5% Citibank 2125 3227 9.75-10.25% SBI 2131 3222 10.5-12% HDFC 2174 3274 11-13% ICICI Min EMI for 5 yr loan Min EMI for 3 yr loan Interest rate Bank

24. International scenario of auto finance

27. Interest rates- Bank Of America

28. HSBC Bank Interest Rates

29. Average interest Rates in US

34. THANKYOU