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href="https://www.bankbazaar.com/images/common/bbicons-menu-android-star-badge.webp"/><div data-theme="azure-blue"><div class="bg-appBar"><div class="flex mx-auto px-1 items-center justify-center"><div class="py-1"><a href="/"><img src="https://www.bankbazaar.com/images/bankbazaar-logo-v1.svg" alt="BankBazaar" title="Low Interest home loan, personal loans & car loans from all banks in India" width="152" height="42" style="max-width:100%;display:inline;float:left"/></a></div><nav class="max-w-max"><ul class="group flex flex-1 list-none items-center justify-center space-x-1"><li class="inline-block relative [&>.menu-content]:hidden [:hover&>.menu-content]:block"><div class="text-white cursor-pointer text-sm px-4 py-4 [:hover&>svg]:rotate-180" id="CARDS" aria-controls="CARDS">CARDS <svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide 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cursor-pointer">Car Loan</a></div></li><li class="row-span-3"><div class="no-underline hover:underline"><a href="/two-wheeler-loan.html" class="block px-4 py-2 hover:bg-gray-100 dark:hover:bg-gray-600 dark:hover:text-white no-underline cursor-pointer">Two Wheeler Loan</a></div></li><li class="row-span-3"><div class="no-underline hover:underline"><a href="/used-car-loan.html" class="block px-4 py-2 hover:bg-gray-100 dark:hover:bg-gray-600 dark:hover:text-white no-underline cursor-pointer">Used Car Loan</a></div></li><li class="row-span-3"><div class="no-underline hover:underline"><a href="/education-loan.html" class="block px-4 py-2 hover:bg-gray-100 dark:hover:bg-gray-600 dark:hover:text-white no-underline cursor-pointer">Education Loan</a></div></li></ul></div></li><li class="inline-block relative [&>.menu-content]:hidden [:hover&>.menu-content]:block"><div class="text-white cursor-pointer text-sm px-4 py-4 [:hover&>svg]:rotate-180" id="INVESTMENTS" 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href="/mutual-fund.html" class="block px-4 py-2 hover:bg-gray-100 dark:hover:bg-gray-600 dark:hover:text-white no-underline cursor-pointer">Mutual Funds</a></div></li></ul></div></li></ul></nav><div class="grow" style="padding-top:4px;padding-bottom:4px"><nav class="max-w-max"><ul class="group flex flex-1 list-none items-center justify-center space-x-1"><li><a href="/credit-score.html?variant=slide&amp;utm_source=bb&amp;utm_medium=display&amp;utm_campaign=HEADER"><img src="https://www.bankbazaar.com/images/common/ct-navbar-link-img-v3.gif" alt="Free Credit Score" title="Free Credit Score" width="129" height="46" style="max-width:100%;display:inline"/></a></li></ul></nav></div><nav class="max-w-max"><ul class="group flex flex-1 list-none items-center justify-center space-x-1"><li class="text-white inline-block"><a href="/verifyOwnershipForm.html" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors 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bg-[rgba(52,73,94,0.9)] fixed inset-0 z-[12] hidden" for="menu"></label><div class="fixed top-0 max-w-[320px] w-[calc(100vw-30px)] h-screen transition-[transform 0.35s] z-[12] overflow-y-scroll bg-white peer-checked:right-[0] right-[-320px] transition-all duration-[350ms] ease-right-0"><div class="border bg-transparent hover:bg-transparent text-sm" data-testid="accordion-"><details name=":R364l:" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-credit-card mr-2 h-full"><rect width="20" height="14" x="2" y="5" rx="2"></rect><line x1="2" x2="22" y1="10" y2="10"></line></svg>Credit Cards <span class="accordion-arrow absolute right-2.5"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/credit-card.html" title="Compare Credit cards" aria-label="Compare Credit cards">Compare Credit cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/credit-card/best-co-branded-credit-cards-in-india.html" title="Co-branded Credit Cards" aria-label="Co-branded Credit Cards">Co-branded Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/credit-card/rbl-bank-bankbazaar-savemax-credit-card.html" title="RBL SaveMax Credit Card" aria-label="RBL SaveMax Credit Card">RBL SaveMax Credit Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/credit-card/finbooster-yes-bank-bankbazaar-co-branded-credit-card.html " title="Yes Bank FinBooster Credit Card" aria-label="Yes Bank FinBooster Credit Card">Yes Bank FinBooster Credit Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/hdfc-credit-card.html" title="HDFC Credit Cards" aria-label="HDFC Credit Cards">HDFC Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/sbi-credit-card.html" title="SBI Credit Cards" aria-label="SBI Credit Cards">SBI Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/indusind-credit-card.html" title="Indusind Bank Credit cards" aria-label="Indusind Bank Credit cards">Indusind Bank Credit cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/credit-card/top-10-credit-cards-in-india.html" title="Top 10 Credit Cards" aria-label="Top 10 Credit Cards">Top 10 Credit Cards</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm" data-testid="accordion-"><details name=":R564l:" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-school mr-2 h-full"><path d="M14 22v-4a2 2 0 1 0-4 0v4"></path><path d="m18 10 4 2v8a2 2 0 0 1-2 2H4a2 2 0 0 1-2-2v-8l4-2"></path><path d="M18 5v17"></path><path d="m4 6 8-4 8 4"></path><path d="M6 5v17"></path><circle cx="12" cy="9" r="2"></circle></svg>Home Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide 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class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/home-loan-balance-transfer.html" title="Home Loan Transfer" aria-label="Home Loan Transfer">Home Loan Transfer</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/home-loan/pradhan-mantri-awas-yojana.html" title="PMAY" aria-label="PMAY">PMAY</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/sbi-home-loan.html" title="SBI Home Loan" aria-label="SBI Home Loan">SBI Home Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/hdfc-home-loan.html" title="HDFC Home Loan" aria-label="HDFC Home Loan">HDFC Home Loan</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm" data-testid="accordion-"><details name=":R764l:" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Personal Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/personal-loan.html" title="Compare Personal Loans" aria-label="Compare Personal Loans">Compare Personal Loans</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/personal-loan/emi-calculator.html" title="Personal Loan Calculator" aria-label="Personal Loan Calculator">Personal Loan Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/personal-loan-interest-rate.html" title="Personal Loan Interest Rates" aria-label="Personal Loan Interest Rates">Personal Loan Interest Rates</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/personal-loan-eligibility.html" title="Personal Loan Eligibility" aria-label="Personal Loan Eligibility">Personal Loan Eligibility</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/sbi-personal-loan.html" title="SBI Personal Loan" aria-label="SBI Personal Loan">SBI Personal Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/hdfc-personal-loan.html" title="HDFC Personal Loan" aria-label="HDFC Personal Loan">HDFC Personal Loan</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm" data-testid="accordion-"><details name=":R964l:" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Other Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/car-loan.html" title="Car Loan" aria-label="Car Loan">Car Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/two-wheeler-loan.html" title="Two Wheeler Loan" aria-label="Two Wheeler Loan">Two Wheeler Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/education-loan.html" title="Education Loan" aria-label="Education Loan">Education Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/gold-loan.html" title="Gold Loan" aria-label="Gold Loan">Gold Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/home-loan/loan-against-property.html" title="Loan Against Property" aria-label="Loan Against Property">Loan Against Property</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm" data-testid="accordion-"><details name=":Rb64l:" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-calculator mr-2 h-full"><rect width="16" height="20" x="4" y="2" rx="2"></rect><line x1="8" x2="16" y1="6" y2="6"></line><line x1="16" x2="16" y1="14" y2="18"></line><path d="M16 10h.01"></path><path d="M12 10h.01"></path><path d="M8 10h.01"></path><path d="M12 14h.01"></path><path d="M8 14h.01"></path><path d="M12 18h.01"></path><path d="M8 18h.01"></path></svg>Calculators <span class="accordion-arrow absolute right-2.5"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/finance-tools/emi-calculator.html" title="EMI Calculator" aria-label="EMI Calculator">EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/home-loan/emi-calculator.html" title="Home Loan EMI Calculator" aria-label="Home Loan EMI Calculator">Home Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/personal-loan/emi-calculator.html" title="Personal Loan EMI Calculator" aria-label="Personal Loan EMI Calculator">Personal Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/car-loan/emi-calculator.html" title="Car Loan EMI Calculator" aria-label="Car Loan EMI Calculator">Car Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/tax/income-tax-calculator.html" title="Income Tax Calculator" aria-label="Income Tax Calculator">Income Tax Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/fixed-deposit/fd-calculator.html" title="FD Calculator" aria-label="FD Calculator">FD Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/recurring-deposit/rd-interest-calculator.html" title="RD Calculator" aria-label="RD Calculator">RD Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/calculators.html" title="All Financial Calculators" aria-label="All Financial Calculators">All Financial Calculators</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm" data-testid="accordion-"><details name=":Rd64l:" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Investments <span class="accordion-arrow absolute right-2.5"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/fixed-deposit-rate.html" title="Fixed Deposit" aria-label="Fixed Deposit">Fixed Deposit</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/recurring-deposit-rates.html" title="Recurring Deposit" aria-label="Recurring Deposit">Recurring Deposit</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/savings-account.html" title="Savings Account" aria-label="Savings Account">Savings Account</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/saving-schemes.html" title="Saving Schemes" aria-label="Saving Schemes">Saving Schemes</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/gold-rate-india.html" title="Gold Rate" aria-label="Gold Rate">Gold Rate</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/silver-rate-india.html" title="Silver Rate" aria-label="Silver Rate">Silver Rate</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/mutual-fund.html" title="Mutual Funds" aria-label="Mutual Funds">Mutual Funds</a></li></ul></div></details></div><span><a href="/credit-score.html" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 minW-auto bg-inherit text-inherit hover:bg-inherit no-underline h-auto text-wrap font-medium focus-visible:ring-0 focus-visible:ring-offset-0 w-full py-4" data-testid="button-"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-wallet-cards mr-2 h-full"><rect width="18" height="18" x="3" y="3" rx="2"></rect><path d="M3 9a2 2 0 0 1 2-2h14a2 2 0 0 1 2 2"></path><path d="M3 11h3c.8 0 1.6.3 2.1.9l1.1.9c1.6 1.6 4.1 1.6 5.7 0l1.1-.9c.5-.5 1.3-.9 2.1-.9H21"></path></svg><span class="flex-auto "><strong><p class="text-sm ">Credit Score</p></strong></span><img src="https://www.bankbazaar.com/images/common/bbicons-menu-free-badge.webp" alt="FREE" title="FREE" width="40" height="20" style="max-width:100%;display:inline"/></a></span><div class="border bg-transparent hover:bg-transparent text-sm" data-testid="accordion-"><details name=":Rh64l:" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-file-text mr-2 h-full"><path d="M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z"></path><path d="M14 2v4a2 2 0 0 0 2 2h4"></path><path d="M10 9H8"></path><path d="M16 13H8"></path><path d="M16 17H8"></path></svg>Govt. Utility Documents <span class="accordion-arrow absolute right-2.5"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/pan-card.html" title="Pan Card" aria-label="Pan Card">Pan Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/aadhar-card.html" title="Aadhaar Card" aria-label="Aadhaar Card">Aadhaar Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/voter-id.html" title="Voter ID" aria-label="Voter ID">Voter ID</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/electricity-bill.html" title="Electricity Bill" aria-label="Electricity Bill">Electricity Bill</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/driving-licence.html" title="Driving Licence" aria-label="Driving Licence">Driving Licence</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/passport.html" title="Passport" aria-label="Passport">Passport</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/visa.html" title="Visa" aria-label="Visa">Visa</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/gas-connection.html" title="Gas Connection" aria-label="Gas Connection">Gas Connection</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/ration-card.html" title="Ration Card" aria-label="Ration Card">Ration Card</a></li></ul></div></details></div><span><a href="/getapp.html" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 minW-auto bg-inherit text-inherit hover:bg-inherit no-underline h-auto text-wrap font-medium focus-visible:ring-0 focus-visible:ring-offset-0 w-full py-4" data-testid="button-"><span class="mr-2"><img src="https://www.bankbazaar.com/images/common/bbicons-menu-download-app.webp" alt="Download App" title="Download App" width="25" height="28" style="max-width:100%;display:inline"/></span><span class="flex-auto "><strong><p class="text-sm ">Download Mobile App</p></strong></span><img src="https://www.bankbazaar.com/images/common/bbicons-menu-android-star-badge.webp" alt="Badge" title="Badge" width="12" height="20" style="max-width:100%;display:inline"/></a></span><div class="border bg-transparent hover:bg-transparent text-sm" data-testid="accordion-"><details name=":Rl64l:" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-umbrella mr-2 h-full"><path d="M22 12a10.06 10.06 1 0 0-20 0Z"></path><path d="M12 12v8a2 2 0 0 0 4 0"></path><path d="M12 2v1"></path></svg>Insurance <span class="accordion-arrow absolute right-2.5"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul 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A Car Accident</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/insurance/universal-sompo-car-insurance-customer-care.html" title="Universal Sompo Car Insurance Customer Care" target="_blank" aria-label="Universal Sompo Car Insurance Customer Care">Universal Sompo Car Insurance Customer Care</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/insurance/car-insurance.html" title="Car Insurance" target="_blank" aria-label="Car Insurance">Car Insurance</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/insurance/motor-insurance-guide/how-to-make-a-car-insurance-claim-after-an-accident.html" title="How To Make A Car Insurance Claim After An Accident" target="_blank" aria-label="How To Make A Car Insurance Claim After An Accident">How To Make A Car Insurance Claim After An Accident</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex 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href="/insurance/motor-insurance-guide/filled-wrong-fuel-in-your-car.html" title="Filled Wrong Fuel In Your Car" target="_blank" aria-label="Filled Wrong Fuel In Your Car">Filled Wrong Fuel In Your Car</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/insurance/motor-insurance-guide/new-car-warranties-what-they-include-and-dont.html" title="New Car Warranties What They Include And Dont" target="_blank" aria-label="New Car Warranties What They Include And Dont">New Car Warranties What They Include And Dont</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/insurance/national-car-insurance-customer-care.html" title="National Car Insurance Customer Care" target="_blank" aria-label="National Car Insurance Customer Care">National Car Insurance Customer Care</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/insurance/chola-ms-car-insurance-customer-care.html" title="Chola Ms Car Insurance Customer Care" target="_blank" aria-label="Chola Ms Car Insurance Customer Care">Chola Ms Car Insurance Customer Care</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/insurance/motor-insurance-guide/does-car-insurance-cover-a-broken-windshield.html" title="Does Car Insurance Cover A Broken Windshield" target="_blank" aria-label="Does Car Insurance Cover A Broken Windshield">Does Car Insurance Cover A Broken Windshield</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/insurance/motor-insurance-guide/pollution-under-control-certificate.html" title="Pollution Under Control Certificate" target="_blank" aria-label="Pollution Under Control Certificate">Pollution Under Control Certificate</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/insurance/motor-insurance-guide/traffic-signs-and-road-safety-rules.html" title="Traffic Signs And Road Safety Rules" target="_blank" aria-label="Traffic Signs And Road Safety Rules">Traffic Signs And Road Safety Rules</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/insurance/motor-insurance-guide/traffic-rules-and-laws-you-dont-know.html" title="Traffic Rules And Laws You Dont Know" target="_blank" aria-label="Traffic Rules And Laws You Dont Know">Traffic Rules And Laws You Dont Know</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/insurance/bajaj-allianz-car-insurance-customer-care.html" title="Bajaj Allianz Car Insurance Customer Care" target="_blank" aria-label="Bajaj Allianz Car Insurance Customer Care">Bajaj Allianz Car Insurance Customer Care</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/insurance/new-india-car-insurance-customer-care.html" title="New India Car Insurance Customer Care" target="_blank" aria-label="New India Car Insurance Customer Care">New India Car Insurance Customer Care</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/insurance/reliance-car-insurance-customer-care.html" title="Reliance Car Insurance Customer Care" target="_blank" aria-label="Reliance Car Insurance Customer Care">Reliance Car Insurance Customer Care</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline " href="/car-insurance/traffic-offences-and-fines-in-bangalore.html" title="Traffic Offences And Fines In Bangalore" target="_blank" aria-label="Traffic Offences And Fines In Bangalore">Traffic Offences And Fines In Bangalore</a></li></ul></div></div><div data-inline-ad-position="LEFT_NAV"></div></aside></div><div class=" lg:col-span-10 md:col-span-10 col-span-12"><div class="flex flex-col gap-2.5 px-1"><div class="items-center flex gap-2.5"><h1 class="text-xl font-bold ">Car Insurance</h1></div><div class="rounded-lg border border-slate-200 text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative bg-primary-light" data-testid="card-"><div class="p-2.5"><div class="pr-md font-large bb-top-content" style="max-height:500px;overflow-y:auto"><h2 class="text-lg font-bold pt-5">What is Car Insurance?</h2><p class="text-base "><strong>Car Insurance</strong> is a type of vehicle insurance that protects a vehicle owner against financial losses in case of an accident, theft, or natural disaster. It covers the costs of any damage or injuries caused to the owner or other people and their property. </p></div></div></div><div id="HUNGRY_FOR_MORE"><div class="mb-xl"><span style="background-color:#ffff009c" class="mb-xl">Updated On - 20 Feb 2025</span></div><div class="flex flex-col gap-1"><div class="text-center mt-2 mb-2"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_CIBUTTON_36730&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_CIBUTTON_36730" target="_blank" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 focus-visible:ring-offset-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" data-testid="button-" title="Know Your Credit Score for FREE">Know Your Credit Score for FREE  </a></div><h2 class="text-lg font-bold pt-5">How Does Car Insurance Work?</h2><p class="text-base ">Here are the details about how a car insurance work: </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Car insurance coverage depends on the type of policy you have. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Without insurance, you bear all repair expenses for your vehicle in case of an accident. </li></ol></div><div><div class="flex flex-col gap-1"><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Comprehensive insurance covers repair costs for your vehicle. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">If your car damages a third party's property or causes injury, you are responsible for compensation. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Third-party insurance covers damages, injuries, fatalities, and associated legal liabilities. </li></ol><div class="mb-2.5"><img src="https://static.bankbazaar.com/images/webengage/car-insurance-online.webp" alt="car insurance in India" title="car insurance" width="400" height="250" loading="lazy" style="max-width:100%;display:block;float:left;margin:0 auto"/></div><h2 class="text-lg font-bold pt-5">Top Car Insurance Companies in India 2025 </h2><p class="text-base ">Check out the best car insurance policies offered by the top car insurance companies in India.</p><div class="relative w-full"><table class="w-full caption-bottom text-sm border" data-testid="table-"><thead class="[&_tr]:border-b font-bold"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Insurance Provider</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Claim Settlement Ratio</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Number of Cashless Garages</p></td></tr></thead><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><a href="https://www.bankbazaar.com/insurance/royal-sundaram-car-insurance.html" target="_blank">Royal Sundaram Car Insurance</a></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">98.33%</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">7,600+</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><a href="https://www.bankbazaar.com/insurance/hdfc-ergo-car-insurance.html">HDFC ERGO Car Insurance</a></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">100%</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">8,700+</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><a href="https://www.bankbazaar.com/insurance/iffco-tokio-car-insurance.html">IFFCO Tokio Car Insurance</a></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">95.82%</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">4,300+</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><a href="https://www.bankbazaar.com/insurance/oriental-car-insurance.html">The Oriental Car Insurance</a></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">91.50%</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">3,100+</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><a href="https://www.bankbazaar.com/insurance/tata-aig-car-insurance.html">Tata AIG Car Insurance</a></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">98%</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">5,400+</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><a href="https://www.bankbazaar.com/insurance/bajaj-allianz-car-insurance.html">Bajaj Allianz Car Insurance</a></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">98.54% </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">4,000+ </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><a href="https://www.bankbazaar.com/insurance/sbi-car-insurance.html" target="_blank">SBI Car Insurance</a></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">98% </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">6697+ </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><a href="https://www.bankbazaar.com/insurance/reliance-car-insurance.html" target="_blank">Reliance Car Insurance</a></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">98% </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">3700+</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><a href="https://www.bankbazaar.com/car-insurance/kotak-car-insurance.html" target="_blank">Kotak Mahindra Car insurance</a></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">98.29% </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1000+</p></td></tr></tbody></table></div><p class="text-base "><strong>Note: GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017</strong></p><div class="text-center mt-2 mb-2"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_CIBUTTON_36730&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_CIBUTTON_36730" target="_blank" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 focus-visible:ring-offset-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" data-testid="button-" title="Know Your Credit Score for FREE">Know Your Credit Score for FREE  </a></div><h2 class="text-lg font-bold pt-5">Key Features of Car Insurance Policy </h2><p class="text-base ">The following are the significant features of car insurance policy: </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Third-party Liability Coverage</strong>: Covers damages to third-party property or injuries to third parties caused by your car. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Own Damage Coverage</strong>: This includes coverage for damages to your own vehicle due to accidents, theft, vandalism, fire, or natural calamities like floods and earthquakes. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><a href="https://www.bankbazaar.com/insurance/third-party-car-insurance-vs-comprehensive-cover.html" target="_blank" rel="noreferrer noopener"></a><strong><a href="https://www.bankbazaar.com/insurance/third-party-car-insurance-vs-comprehensive-cover.html" target="_blank" rel="noreferrer noopener">Comprehensive Coverage</a>:</strong> Some policies offer comprehensive coverage, which combines third-party liability and own damage coverage, providing broader protection. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Add-on Covers</strong>: Insurers offer additional covers that can be added to the base policy for enhanced protection. Common add-ons include <a href="https://www.bankbazaar.com/insurance/zero-depreciation-car-insurance.html" target="_blank">zero depreciation cover</a>, engine protection cover, roadside assistance, and consumable cover. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Personal Accident Cover</strong>: Car insurance policies often include coverage for personal accidents, providing financial protection in case of accidental death or disability of the owner/driver. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><a href="https://www.bankbazaar.com/insurance/motor-insurance-guide/no-claim-bonus-for-motor-insurance-in-india.html" target="_blank" rel="noreferrer noopener"></a><strong><a href="https://www.bankbazaar.com/insurance/motor-insurance-guide/no-claim-bonus-for-motor-insurance-in-india.html" target="_blank" rel="noreferrer noopener">No Claim Bonus (NCB)</a>: </strong>Policyholders are rewarded with a discount on the premium for every claim-free year, known as the No Claim Bonus. This encourages safe driving and maintaining the vehicle well. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Voluntary Deductibles</strong>: Amounts that they agree to bear themselves in case of a claim. Choosing a higher deductible can lower the premium cost. </li></ol><h2 class="text-lg font-bold pt-5">Benefits of Car Insurance Policy </h2><p class="text-base ">The following is the list of benefits of a car insurance policy: </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Financial Protection</strong>: Covers repair or replacement costs if your vehicle is damaged or stolen. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Peace of Mind</strong>: Offers reassurance knowing you're financially protected while driving. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Legal Compliance</strong>: Meets the legal requirement for third-party liability insurance in most countries. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Liability Coverage</strong>: Helps pay for damages or injuries caused to others in an accident. </li></ol><h2 class="text-lg font-bold pt-5">Types of Car Insurance Policies</h2><p class="text-base ">Here is the five types of car insurance coverage available in India. Along with this basic coverage, you can select a number of add-ons based on your requirement to enhance the protection.</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Third-Party Liability Only Cover</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Collision Damage or Own Damage (OD) Cover</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Personal Accident Cover</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Zero Depreciation </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><a href="https://www.bankbazaar.com/insurance/third-party-car-insurance-vs-comprehensive-cover.html" target="_blank">Comprehensive Car Insurance</a></li></ol><h2 class="text-lg font-bold pt-5">Popular Car Insurance Policies in India</h2><h4 class="text-sm font-bold pt-5">Royal Sundaram General Insurance</h4><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Royal Sundaram General Insurance offers various insurance products through its 158 branches all over India.</li><li class="pt-1 pb-1">Its key features include quick claim settlement, affordable premiums, and 3300+ cashless garages to its policyholders.</li><li class="pt-1 pb-1">Royal Sundaram Car Insurance has a Claim Settlement Ratio of 98.33%.</li><li class="pt-1 pb-1">It comes with minimal documentation, personal accident cover up to Rs.50 lakh, 24x7 assistance, and add-on covers.</li></ol><h4 class="text-sm font-bold pt-5">HDFC ERGO General Insurance</h4><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">HDFC ERGO General Insurance offers car insurance for as low as Rs.2,072.</li><li class="pt-1 pb-1">The insurer has widespread network of 8700+ <a href="/car-insurance/cashless-garages-network.html" target="_blank">cashless garages</a> across the country.</li><li class="pt-1 pb-1">It offers third party car insurance, comprehensive car insurance, private bundle car policy, and standalone own damage cover.</li><li class="pt-1 pb-1">With a Claim Settlement Ratio of 100%, HDFC ERGO’s car insurance offers quick settlement of claims, overnight repair assistance, add-on covers, and many other benefits.</li></ol><h4 class="text-sm font-bold pt-5">IFFCO Tokio General Insurance</h4><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">IFFCO Tokio General Insurance provides a host of insurance plans to cater to the requirements of every individual.</li><li class="pt-1 pb-1">With its affordable car insurance plans and 24x7 assistance, it settles claims within four hours.</li><li class="pt-1 pb-1">IFFCO Tokio car insurance has a Claim Settlement Ratio of 95.82%.</li><li class="pt-1 pb-1">The insurer has a widespread network of 4,300+ cashless garages.</li></ol><h4 class="text-sm font-bold pt-5">The Oriental Insurance Company</h4><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The Oriental Insurance Company was incorporated in 1947 and has 1800+ operating offices across the country.</li><li class="pt-1 pb-1">It offers niche products to meet the distinct needs of the country's urban and rural populations.</li><li class="pt-1 pb-1">It has a Claim Settlement Ratio of 91.50%.</li><li class="pt-1 pb-1">The Oriental Insurance Company’s car insurance comes with discounts on premiums, third party cover, and add-on covers.</li></ol><h4 class="text-sm font-bold pt-5">Tata AIG General Insurance</h4><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Tata AIG General Insurance offers a wide range of insurance products to its customers.</li><li class="pt-1 pb-1">Its car insurance plans let you save up to 75% on premiums.</li><li class="pt-1 pb-1">The insurer has a high Claim Settlement Ratio of 98%.</li><li class="pt-1 pb-1">It offers 13 add-on covers and has an extensive network of 5400+ cashless garages to ensure easy and quick claim settlement.</li></ol><div class="text-center mt-2 mb-2"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_CIBUTTON_36730&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_CIBUTTON_36730" target="_blank" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 focus-visible:ring-offset-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" data-testid="button-" title="Know Your Credit Score for FREE">Know Your Credit Score for FREE  </a></div><h2 class="text-lg font-bold pt-5">What is Covered & Not Covered Under Car Insurance Policy?</h2><p class="text-base ">Here are the details of what a car insurance covers and does not cover: </p><div class="relative w-full"><table class="w-full caption-bottom text-sm border" data-testid="table-"><thead class="[&_tr]:border-b font-bold"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Inclusions</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Exclusions</p></td></tr></thead><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Cover for damages to your vehicle </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Damages to vehicle when it was being used for illegal purposes. </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Cover for damages caused by natural calamities </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Accidents that are deemed fraudulent by the insurer. </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Personal accident cover </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Damages incurred by the vehicle when it was being driven by someone who was under the influence of alcohol or drugs. </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Cover for damages incurred due to man-made disasters </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Damages incurred by the vehicle when it was being driven by someone who does not have a valid driving license and who has not attained the legal driving age. </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Theft </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Damages incurred by the vehicle when the driver was breaking traffic rules. </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Damages to property </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">--</p></td></tr></tbody></table></div><p class="text-base "><strong>Note:</strong> Each policy has its own list of exclusions that you are expected to read carefully at the time of purchasing one.</p><h2 class="text-lg font-bold pt-5">How to Buy Car Insurance Online? </h2><p class="text-base ">To buy a car insurance online follow the steps mentioned below - </p><p class="text-base "><strong>Step 1:</strong> Research and select the car insurance provider that best suits your needs. </p><p class="text-base "><strong>Step 2: </strong>Visit the car insurance provider’s website and pick the best plan for yourself. </p><p class="text-base "><strong>Step 3:</strong> Once you select the plan, follow the steps of filling all the necessary details asked by the website. </p><p class="text-base "><strong>Step 4: </strong>Submit the form and proceed to the online payment page. </p><p class="text-base "><strong>Step 5: </strong>Complete the payment with your credit or debit card. </p><p class="text-base "><strong>Step 6:</strong> After the payment is done, you will get the policy document from the insurer through your registered email id. </p><div class="text-center mt-2 mb-2"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_CIBUTTON_36730&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_CIBUTTON_36730" target="_blank" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 focus-visible:ring-offset-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" data-testid="button-" title="Know Your Credit Score for FREE">Know Your Credit Score for FREE  </a></div><h2 class="text-lg font-bold pt-5">How to Renew Car Insurance Online?</h2><p class="text-base ">Given below are the steps to <a href="https://www.bankbazaar.com/insurance/car-insurance-renewal.html" target="_blank">renew your car insurance online</a>:</p><p class="text-base "><strong>Step 1: </strong>Visit the car insurance renewal section of your insurer.</p><p class="text-base "><strong>Step 2: </strong>Enter the details like your name, date of birth, policy number, etc., and submit.</p><p class="text-base "><strong>Step 3:</strong> Select the car insurance plan you wish to buy.</p><p class="text-base "><strong>Step 4: </strong>Choose the add-on covers or riders that you wish to purchase (if required).</p><p class="text-base "><strong>Step 5: </strong>The premium amount payable will be displayed on the screen.</p><p class="text-base "><strong>Step 6:</strong> Make the premium payment via net banking, debit card, or credit card.</p><p class="text-base "><strong>Step 7: </strong>Your car insurance will be renewed after you complete the payment.</p><h2 class="text-lg font-bold pt-5">Comparison Between Third-Party & Comprehensive Car Insurance:</h2><p class="text-base ">The following table shows the difference between <a href="https://www.bankbazaar.com/insurance/third-party-car-insurance-vs-comprehensive-cover.html" target="_blank">third party insurance and comprehensive car insurance</a>: </p><div class="relative w-full"><table class="w-full caption-bottom text-sm border" data-testid="table-"><thead class="[&_tr]:border-b font-bold"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Coverage Offered </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Third Party Car Insurance </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Comprehensive Car Insurance </p></td></tr></thead><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Third party bodily injury </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Third Party Property Damage </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Own damages of Car </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">No </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Personal Accident Coverage </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Car Theft </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">No </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Availability of Add Ons </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">No </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td></tr></tbody></table></div><h2 class="text-lg font-bold pt-5">Points to Consider When Choosing a Car Insurance Policy</h2><p class="text-base ">The following are the few things that you need to consider while choosing a car insurance: </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Compare Plans</strong>: Use online tools to compare car insurance policies based on quotes, services, and features. Choose a plan that best meets your needs. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Evaluate Your Needs</strong>: Assess your car type, driving habits, and potential risks to select a policy tailored to your requirements without overspending. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Consider Add-ons</strong>: Explore optional coverage to enhance your policy but choose only those add-ons that are truly necessary. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><a href="https://www.bankbazaar.com/insurance/motor-insurance-guide/how-is-car-insurance-Insureds-declared-value-calculated.html" target="_blank">Review IDV (Insured Declared Value)</a>: Verify your car’s market value and ensure the insurer provides adequate reimbursement for total loss or irreparable damage. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Check Customer Support</strong>: Opt for an insurer with 24/7 customer service for reliable assistance whenever needed. </li></ol><div class="text-center mt-2 mb-2"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_CIBUTTON_36730&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_CIBUTTON_36730" target="_blank" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 focus-visible:ring-offset-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" data-testid="button-" title="Know Your Credit Score for FREE">Know Your Credit Score for FREE  </a></div><div class="rounded-lg border border-slate-200 text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative bg-destructive-light" data-testid="card-"><div class="p-2.5"><h3 class="text-md font-bold pt-1">Car Insurance Add-on Covers</h3> <p class="text-base ">The following are a few car insurance add-ons covers that you can purchase with your car insurance policy to make it more comprehensive and effective:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Zero Depreciation Cover</strong>: Ensures full reimbursement for replacing car parts after an accident, usually available for the first three years. Costs increase as the car ages. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Roadside Assistance Cover</strong>: Provides emergency services for repairs when stranded in remote areas. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Personal Accident Cover</strong>: Covers the car owner in case of accidents. Offers 100% of the claim amount for permanent disability or death during an accident. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>No-Claim Bonus</strong>: Rewards policyholders with discounts of up to 50% on premium payments for not making claims in the previous policy year. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Engine and Electronic Circuit Cover</strong>: Protects the engine and electronic circuits, especially from damage caused by flooding or misuse. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Loss of Belongings</strong>: Offers reimbursement for stolen personal belongings like laptops left in a locked car, at least partially. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Daily Cash Allowance</strong>: Covers transportation costs if the vehicle is in a garage for 3–4 days, though less common due to shorter repair times. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Key Replacement</strong>: Compensates for expenses related to replacing lost or misplaced car keys, often covering only partial costs. </li><li class="pt-1 pb-1"><strong>Note</strong>: Evaluate these add-ons carefully and select only those that suit your needs to avoid unnecessary expenses. </li></ol></div></div><h2 class="text-lg font-bold pt-5">Factors Affecting Car Insurance Premium</h2><p class="text-base ">The following are the factors which affect a car insurance premium: </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Insured Declared Value (IDV): </strong>IDV reflects your car's current market value, adjusted for depreciation. Higher IDV leads to higher premiums.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Car Owner:</strong> Premiums are influenced by the car owner's driving record. A clean record often results in lower premiums.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Make and Model: </strong>Premiums vary based on the car's make, model, and class. Sports cars generally have higher premiums than standard ones.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Safety Features: </strong>Vehicles equipped with anti-theft devices may qualify for reduced premiums. Modern safety features can also impact insurance costs.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Coverage Needed: </strong>Premiums depend on the coverage level. Comprehensive coverage typically requires higher premiums, with additional add-ons increasing costs.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Frequency of Claims: </strong><a href="https://www.bankbazaar.com/insurance/motor-insurance-guide/no-claim-bonus-for-motor-insurance-in-india.html" target="_blank">No Claim Bonus (NCB)</a> discounts are offered to policyholders who haven't filed claims during the policy term, reducing future premiums.</li></ol><div class="text-center mt-2 mb-2"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_CIBUTTON_36730&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_CIBUTTON_36730" target="_blank" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 focus-visible:ring-offset-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" data-testid="button-" title="Know Your Credit Score for FREE">Know Your Credit Score for FREE  </a></div><h2 class="text-lg font-bold pt-5">Why Do You Need a Car Insurance?</h2><p class="text-base ">The following are the reasons for Car Insurance:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Mandatory by Law</strong>: The Motor Vehicles Act, 1988, requires car insurance for all vehicles in India. Non-compliance can lead to penalties and suspension of driving rights. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Protection for You and Your Vehicle</strong>: Comprehensive insurance covers damage to your vehicle, third-party damages, and incidents like fire, natural disasters, or vandalism. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Financial Support for Family</strong>: Personal accident cover in car insurance provides financial compensation for policyholders or their families in case of death or severe injury. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Legal Cost Coverage</strong>: Car insurance covers legal expenses arising from accidents, reducing financial strain during legal proceedings. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Third-Party Damage Coverage</strong>: Basic third-party insurance covers costs for damage or injuries to others, including medical bills and repair expenses. </li></ol><h2 class="text-lg font-bold pt-5">How to Calculate Car Insurance Premium?</h2><p class="text-base ">There are various factors that the insurance provider takes into account while <a href="https://www.bankbazaar.com/insurance/car-insurance-calculator.html" target="_blank">calculating the car insurance premium</a>. These factors are mentioned below - </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Type of car </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Age of car </li><li class="pt-1 pb-1">Geographical zone </li><li class="pt-1 pb-1">Insured Declared Value (IDV) of the car </li><li class="pt-1 pb-1">Cubic capacity of the engine Regional Transport Office</li></ol><ul class="list-none "></ul><h2 class="text-lg font-bold pt-5">Car Insurance Claim Process for Damages to Your Own Car</h2><p class="text-base ">For damage occurred to your car, the <a href="https://www.bankbazaar.com/insurance/motor-insurance-guide/how-to-make-a-car-insurance-claim-after-an-accident.html" target="_blank">car insurance claim process</a> is as follows:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Report an FIR to the Police: </strong></li></ol><p class="text-base ">File a First Information Report (FIR) as soon as possible after the accident, especially for incidents like theft, accidents, or fire. An FIR may not be necessary for minor damage like small scrapes and dents unless a third party is involved. </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Use Photographic Proof: </strong></li></ol><p class="text-base ">Take clear and detailed photos of the accident site and damage. These images help the insurance provider assess the extent of damage for proper claim evaluation. </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Provide the Insurance Company with Necessary Documents: </strong></li></ol><p class="text-base ">Submit required documents such as the insurance policy, FIR, owner’s license, driver's car registration certificate, and any other necessary paperwork. </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Fix Your Car:</strong> </li></ol><p class="text-base ">Take your car to a repair shop, or request that your insurance provider cover the cost of repairs. If the insurer accepts your claim, you will either be reimbursed or the costs will be covered. </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Claim Settlement Process: </strong></li></ol><p class="text-base ">For cashless settlement, repair expenses are paid directly to the network garage after the surveyor’s final report. In reimbursement settlement, you submit repair receipts for claim resolution. </p><p class="text-base ">Note: Even with insurance, you’ll need to pay a mandatory deductible portion of the repair costs. </p><h2 class="text-lg font-bold pt-5">Car Insurance Claim Process for Third Party Claims</h2><p class="text-base ">The car insurance claim process for a third-party claim is as follows:</p><h4 class="text-sm font-bold pt-5">Third-party motor insurance claim for disability, injury, or death: </h4><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">File an FIR with the police immediately after the accident and obtain a copy. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Get the third-party motor insurance details from the car owner. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Obtain a copy of the charge sheet filed by the police against the car owner. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Hire a motor claims lawyer and file a compensation case in the Motor Accident Claims Tribunal. Note: These cases fall under the jurisdiction of the tribunal, not civil courts. The claim must be filed in the tribunal court where the accident occurred or where you reside. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Sometimes, the car owner may propose an out-of-court settlement. While legally acceptable, it’s advisable to involve authorities in case of accidents. </li></ol><h4 class="text-sm font-bold pt-5">Third-party car insurance compensation claims for property damage: </h4><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Property damage includes damage to your vehicle and personal property, such as your house. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">File an FIR and get a copy along with the charge sheet filed against the offender. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">File the claim in the local tribunal court, where compensation will be assessed based on the submitted documents and both sides' statements. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The maximum compensation limit for property damage is Rs.7.50 lakh. </li></ol><div class="text-center mt-2 mb-2"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_CIBUTTON_36730&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_CIBUTTON_36730" target="_blank" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 focus-visible:ring-offset-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" data-testid="button-" title="Know Your Credit Score for FREE">Know Your Credit Score for FREE  </a></div><h2 class="text-lg font-bold pt-5">Car Insurance Claim Process for Stolen Car</h2><p class="text-base ">The <a href="https://www.bankbazaar.com/insurance/motor-insurance-guide/car-insurance-for-stolen-cars.html" target="_blank">car insurance claim process for stolen car</a> is as follows:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>File a Police Report</strong>: Report the theft immediately at the nearest police station by filing a FIR. Include details like the theft's date, time, location, and a description of the stolen vehicle. Obtain a copy of the FIR for your insurance claim. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Inform Your Insurance Company</strong>: Notify your insurer promptly, providing policy details, a copy of the FIR, and information about the stolen vehicle (make, model, registration number, and distinguishing features). Share witness contact details and circumstances of the theft, if available. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Insurer's Investigation</strong>: The insurance company will verify the theft details, including the FIR, and may interview you and any witnesses to validate the claim. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Documentation and Forms</strong>: Complete claim forms and submit required documents, including the FIR copy, vehicle registration certificate (RC), driving license, car keys (if available), a subrogation letter, and any additional documents requested by the insurer. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Loss Assessment</strong>: The insurer will calculate the claim amount based on the vehicle’s Insured Declared Value (IDV), considering factors like age, make, model, and depreciation. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Claim Settlement</strong>: After verifying the investigation and documents, the insurer will process the claim. The settlement amount will be based on policy terms, minus any applicable deductible. </li></ol><h2 class="text-lg font-bold pt-5">Documents Required for Filing a Car Insurance Claim </h2><p class="text-base ">The following is the list of documents required for filling a car insurance claim: </p><div class="relative w-full"><table class="w-full caption-bottom text-sm border" data-testid="table-"><thead class="[&_tr]:border-b font-bold"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Circumstances </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Documents Required </p></td></tr></thead><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">In case of making a third-party claim </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Name of the insured individual </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Policy number </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Contact number </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Date and time of the accident </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Number of the vehicle </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Make and model of the car </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Location and extent of loss </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Name of the garage along with contact information </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Brief description of the accident </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Duly signed claim form </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">FIR copy from the police </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Copy of insurance policy </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Driving license copy </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Registration copy of the vehicle </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">In the case of a company registered vehicle, a stamp is required on original documents. </li></ol></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">In case of accident damages </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Estimate for repairs from the repairer where the vehicle is to be repaired </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">for cashless claim settlement - only repair invoice, the original repair invoice and payment receipt are required. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Claims Discharge Cum Satisfaction Voucher signed across a Revenue Stamp </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">If you have not taken the vehicle to the nearest garage, then provide the vehicle inspection address. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Proof of insurance – cover note or policy copy </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Registration book copy and original tax receipt </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><a href="https://www.bankbazaar.com/driving-licence.html" target="_blank" rel="noreferrer noopener">Driving license</a> copy along with the original (of the individual driving the car at the time of the accident) </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">FIR or police panchanama (for bodily injuries or death or damage to third party and/or his/her property) </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Estimate of the cost of repair </li></ol></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">In case of theft of the car </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Tax payment receipt </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Letter of subrogation </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Form 28, 29, and 30 </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Details of previous insurance, such as policy number, name of insurer, period of insurance </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Claim discharge voucher signed across a Revenue Stamp </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Warranty card, set of keys, or service booklet </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Original policy document or certificate </li><li class="pt-1 pb-1">FIR or police panchanama along with JMFC report or final investigation report </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Acknowledged copy of letter addressed to the Regional Transport Office intimating theft </li></ol></td></tr></tbody></table></div><h2 class="text-lg font-bold pt-5">Points to Remember to Avoid Rejection of Car Insurance Claim </h2><p class="text-base ">The following are some of the vital points that should be remembered to avoid rejection of car insurance claim: </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Renew policy on time otherwise the insurer will reject your claim request. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Declare every detail related to car modification to avoid rejection of claim in case you inform during processing your claim. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Keep mandatory documents handy to process your claim and avoid rejection. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">For hassle-free claim settlement read policy terms and conditions thoroughly. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Always keep your driving license while driving to avoid claim rejection. </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">While purchasing a car insurance policy, declare the NCB (No Claim Bonus) correctly otherwise your claim request may get rejected. </li></ol><p class="text-base "><strong>Also, Know about</strong></p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><a href="/insurance/health-insurance.html" target="_blank">Health Insurance</a></li><li class="pt-1 pb-1"><a href="https://www.bankbazaar.com/insurance/life-insurance.html" target="_blank">Life Insurance</a></li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><a href="/insurance/two-wheeler-insurance.html" target="_blank">Bike Insurance</a></li></ol></div><h2 class="text-lg font-bold pt-4">FAQs on Car Insurance</h2><ul class="list-decimal list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>What is ‘No Claim Bonus'?</strong><p class="text-base ">No Claim Bonus, or NCB in car insurance is the benefit awarded to the insured for not making any claims during the previous policy period. Currently, this bonus ranges from 20% on the Own Damage premium up to a maximum of 50%. Note that this doesn't apply to liability premium.</p></li><li class="pt-1 pb-1"><strong>What is Zero Depreciation Cover?</strong><p class="text-base ">Commonly offered as an Add-On, the Zero Depreciation Cover offers full settlement on your claim without the usual deduction affected for depreciation (or periodic reduction in value of the vehicle/automotive parts due to natural wear and tear caused due to normal usage). Deduction due to depreciation is a common factor with the normal car insurance.</p></li><li class="pt-1 pb-1"><strong>What must I do if I lose my insurance policy?</strong><p class="text-base ">Getting a duplicate copy of your insurance policy is very easy. You could either approach your insurer's office for the same or, if you have procured the car insurance online, print-out the soft-copy of the policy that was forwarded to you.</p></li><li class="pt-1 pb-1"><strong>How to calculate car insurance premiums?</strong><p class="text-base ">The simplest way to calculate your car insurance premiums is with a good Car Insurance Premium Calculator. While most lending banks offer this facility on their websites, competent third party calculators are also readily available.</p></li><li class="pt-1 pb-1"><strong>Can I get medical cover for bodily harm or demise of the passenger(s) commuted in my car? Should I buy a separate cover for that?</strong><p class="text-base ">This is exactly why third party cover is mandatory for all car owners. Car insurance is there to safeguard you when the unforeseen occurs. But when your own actions on the road cause a mishap, this cover becomes even more crucial. And yes, medical expenses are also covered in the third party car insurance, mandatory for all car owners.</p></li><li class="pt-1 pb-1"><strong>My car insurance policy application was rejected. What do I do?</strong><p class="text-base ">There are several insurance providers in India. You can compare various insurance policies online and apply for an insurance policy from a different provider. Third-party insurance plans are mandate for all vehicles in India. Therefore, you can purchase a third-party insurance and not have to worry about rejection.</p></li><li class="pt-1 pb-1"><strong>What is the PUC Certificate validity for new cars in India?</strong><p class="text-base ">For old cars, i.e., the ones that were bought on or before 31 March 2010, the Pollution Under Control (PUC) Certificate should be renewed on a quarterly basis. The validity of the PUC Certificate for new cars is 1 year. Vehicles that were bought on or after 1 April 2010 are considered to be new cars under this classification.</p></li><li class="pt-1 pb-1"><strong>How many times can car insurance be claimed in a year?</strong><p class="text-base ">As long as a car insurance policy is in force, there is no restriction on the number of claims that can be raised in a year. However, the number of claims allowed under add-on covers like NCB protect, zero depreciation, etc. are limited. You can find more details on these limits in the policy documentation.</p></li><li class="pt-1 pb-1"><strong>What is the difference between salvage loss and total loss?</strong><p class="text-base ">Total loss: When an insured vehicle is totally damaged, or destroyed to an extent where it cannot be repaired or recovered for further usage, it is said to be a total loss. Salvage loss: As indicated above, when a vehicle is severely damaged, or totalled beyond repair, it is declared as a ‘total loss’ by the insurance company. Under such circumstances, the vehicle cannot be driven on public roads. However, if the vehicle is restored or rebuilt again and made roadworthy, it will be allowed to be driven again and will bear the tag of ‘restored vehicle’, ‘rebuilt vehicle’, or ‘reconstructed vehicle’. The rebuilt vehicle will also get a salvage loss tag. </p></li><li class="pt-1 pb-1"><strong>What is meant by policy term in car insurance?</strong><p class="text-base ">Period of policy/policy term is the tenure for which an insurance policy is valid or active. During this tenure, your car will be covered under the policy. The starting date is basically the date of inception of the policy and is usually valid for a year. The policy will be valid till the ending date and has to be renewed once the coverage tenure is over.</p></li><li class="pt-1 pb-1"><strong>My car insurance policy has expired. Will my NCB be retained?</strong><p class="text-base ">Yes, you are eligible to retain the accumulated NCB or No Claim Bonus. If the insurance policy is renewed within 90 days of its expiry, the NCB can be availed. You will lose the NCB if you renew the policy after the 90-day period.</p></li><li class="pt-1 pb-1"><strong>What is ARAI?</strong><p class="text-base ">Rounded in 1966 and headquartered in Pune, the Automotive Research Association of India (ARAI) plays an important role in laying down rules and regulations for bringing more efficient, safe, and less polluting vehicles on the Indian roads. It conducts testing, research and development, homologation, and frames the rules and regulations pertaining to vehicles manufactured for India. 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class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/aspiration-index-2024.html" title="Aspiration Index 2024" aria-label="Aspiration Index 2024">Aspiration Index 2024</a></li></ul></div></div></div><div class="bg-gray text-gray-foreground px-2.5 py-1"><div class="container mx-auto px-4"><div class="items-start flex justify-center gap-4 p-2.5"><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Credit Card:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/credit-card.html" title="Compare Credit Cards" aria-label="Compare Credit Cards">Compare Credit Cards</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/credit-card/finbooster-yes-bank-bankbazaar-co-branded-credit-card.html" title="YES BANK BankBazaar FinBooster Credit Card" aria-label="YES BANK BankBazaar FinBooster Credit Card">YES BANK BankBazaar FinBooster Credit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/credit-card/rbl-bank-bankbazaar-savemax-credit-card.html" title="RBL Bank BankBazaar SaveMax Credit Card" aria-label="RBL Bank BankBazaar SaveMax Credit Card">RBL Bank BankBazaar SaveMax Credit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/sbi-credit-card.html" title="SBI Credit Card" aria-label="SBI Credit Card">SBI Credit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/credit-card/credit-cards-without-annual-fee-charges-in-india.html" title="Lifetime Free Credit Card" aria-label="Lifetime Free Credit Card">Lifetime Free Credit Card</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/credit-card/top-10-credit-cards-in-india.html" title="Top 10 Credit Cards" aria-label="Top 10 Credit Cards">Top 10 Credit Cards</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/credit-card/best-co-branded-credit-cards-in-india.html" title="Co-Branded Credit Cards" aria-label="Co-Branded Credit Cards">Co-Branded Credit Cards</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Credit Score:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/credit-score.html" title="Credit Score" aria-label="Credit Score">Credit Score</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/experian.html" title="Experian" aria-label="Experian">Experian</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/cibil-credit-score.html" title="CIBIL Score" aria-label="CIBIL Score">CIBIL Score</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/cibil-credit-report.html" title="CIBIL Report" aria-label="CIBIL Report">CIBIL Report</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/cibil-score-calculation.html" title="CIBIL Score Calculation" aria-label="CIBIL Score Calculation">CIBIL Score Calculation</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/how-to-improve-cibil-credit-score.html" title="How to Improve Credit Score" aria-label="How to Improve Credit Score">How to Improve Credit Score</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/credit-monitoring.html" title="How to Monitor Credit Score" aria-label="How to Monitor Credit Score">How to Monitor Credit Score</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Personal Loan:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/personal-loan.html" title="Compare Personal Loans" aria-label="Compare Personal Loans">Compare Personal Loans</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/sbi-personal-loan.html" title="SBI Personal Loan" aria-label="SBI Personal Loan">SBI Personal Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/hdfc-personal-loan.html" title="HDFC Personal Loan" aria-label="HDFC Personal Loan">HDFC Personal Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/axis-personal-loan.html" title="Axis Personal Loan" aria-label="Axis Personal Loan">Axis Personal Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/personal-loan-eligibility.html" title="Personal Loan Eligibility" aria-label="Personal Loan Eligibility">Personal Loan Eligibility</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/personal-loan-interest-rate.html" title="Personal Loan Interest Rates" aria-label="Personal Loan Interest Rates">Personal Loan Interest Rates</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/personal-loan/instant-loans.html" title="Instant Loans" aria-label="Instant Loans">Instant Loans</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Home Loan:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan.html" title="Compare Home Loans" aria-label="Compare Home Loans">Compare Home Loans</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/sbi-home-loan.html" title="SBI Home Loan" aria-label="SBI Home Loan">SBI Home Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/hdfc-home-loan.html" title="HDFC Home Loan" aria-label="HDFC Home Loan">HDFC Home Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/axis-home-loan.html" title="Axis Home Loan" aria-label="Axis Home Loan">Axis Home Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan-interest-rate.html" title="Home Loan Interest Rates" aria-label="Home Loan Interest Rates">Home Loan Interest Rates</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan-eligibility.html" title="Home Loan Eligibility" aria-label="Home Loan Eligibility">Home Loan Eligibility</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan/repo-rate.html" title="Current Repo Rate 2024" aria-label="Current Repo Rate 2024">Current Repo Rate 2024</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Fixed Deposit:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/sbi-fixed-deposit.html" title="SBI Fixed Deposit" aria-label="SBI Fixed Deposit">SBI Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/hdfc-fixed-deposit.html" title="HDFC Fixed Deposit" aria-label="HDFC Fixed Deposit">HDFC Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/axis-fixed-deposit.html" title="Axis Fixed Deposit" aria-label="Axis Fixed Deposit">Axis Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/post-office-fixed-deposit-rate.html" title="Post Office Fixed Deposit" aria-label="Post Office Fixed Deposit">Post Office Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/senior-citizen-fixed-deposit.html" title="Senior Citizen Fixed Deposit" aria-label="Senior Citizen Fixed Deposit">Senior Citizen Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/5years-fd-interest-rates.html" title="5 Years FD Interest Rates" aria-label="5 Years FD Interest Rates">5 Years FD Interest Rates</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/monthly-income-scheme.html" title="Monthly Income FD Schemes" aria-label="Monthly Income FD Schemes">Monthly Income FD Schemes</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Calculator:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/calculators.html" title="All Finance Calculators" aria-label="All Finance Calculators">All Finance Calculators</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan/emi-calculator.html" title="Home Loan Calculator" aria-label="Home Loan Calculator">Home Loan Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/personal-loan/emi-calculator.html" title="Personal Loan EMI Calculator" aria-label="Personal Loan EMI Calculator">Personal Loan EMI Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/car-loan/emi-calculator.html" title="Car Loan EMI Calculator" aria-label="Car Loan EMI Calculator">Car Loan EMI Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/fd-calculator.html" title="FD Calculator" aria-label="FD Calculator">FD Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/recurring-deposit/rd-interest-calculator.html" title="RD Calculator" aria-label="RD Calculator">RD Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/finance-tools/emi-calculator.html" title="EMI Calculator" aria-label="EMI Calculator">EMI Calculator</a></li></ul></div></div><div data-orientation="horizontal" role="none" class="shrink-0 bg-slate-200 dark:bg-slate-800 h-[1px] w-full my-4"></div><div class="items-center flex justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Learn More:</p><ul class="flex gap-2.5"><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://blog.bankbazaar.com/category/credit-cards/" title="Credit Cards" aria-label="Credit Cards">Credit Cards</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://blog.bankbazaar.com/yes-bank-bankbazaar-finbooster-credit-card/" title="Credit Card Offers" aria-label="Credit Card Offers">Credit Card Offers</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://blog.bankbazaar.com/category/investment/" title="Investments" aria-label="Investments">Investments</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://blog.bankbazaar.com/category/money-management/" title="Money Management" aria-label="Money Management">Money Management</a></li></ul></div><div class="items-center flex justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Others:</p><ul class="flex gap-2.5"><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/car-loan.html" title="Car Loan" aria-label="Car Loan">Car Loan</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/tax.html" title="Income Tax" aria-label="Income Tax">Income Tax</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/ifsc-code.html" title="Bank IFSC Code" aria-label="Bank IFSC Code">Bank IFSC Code</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/gold-rate-india.html" title="Gold Rate" aria-label="Gold Rate">Gold Rate</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/indian-holiday-calendar.html" title="Indian Holidays" aria-label="Indian Holidays">Indian Holidays</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/visa.html" title="Visa" aria-label="Visa">Visa</a></li></ul></div><div data-orientation="horizontal" role="none" class="shrink-0 bg-slate-200 dark:bg-slate-800 h-[1px] w-full my-4"></div><div class="items-start flex justify-center gap-4 p-2.5"><div class="items-center flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Mobile Apps:</p><ul class="flex gap-2.5"><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://bnkbzr.page.link/qBro" title="Google play" target="_blank" aria-label="Google play"><img src="https://static.bankbazaar.com/images/download-android-application.svg" alt="Google play" title="Google play" width="121" height="36" loading="lazy" style="max-width:100%;display:inline"/></a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://bnkbzr.page.link/qBro" title="Apple Store" target="_blank" aria-label="Apple Store"><img src="https://static.bankbazaar.com/images/india/infographic/apple-store-button.svg" alt="Apple Store" title="Apple Store" width="121" height="36" loading="lazy" style="max-width:100%;display:inline"/></a></li></ul></div><div class="items-center flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Contact Us:</p><ul class="flex gap-2.5"><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="mailto:support@bankbazaar.com" title="support[at]bankbazaar[dot]com" aria-label="support[at]bankbazaar[dot]com"><span class="relative flex shrink-0 overflow-hidden rounded-full bg-white w-6 h-6 mr-1 items-center"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-mail h-4/5 text-base fill-gray"><rect width="20" height="16" x="2" y="4" rx="2"></rect><path d="m22 7-8.97 5.7a1.94 1.94 0 0 1-2.06 0L2 7"></path></svg></span>support[at]bankbazaar[dot]com</a></li></ul></div><div class="items-center flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Follow Us:</p><ul class="flex gap-2.5"><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://twitter.com/bankbazaar" title="Bankbazaar Twitter" target="_blank" aria-label="Bankbazaar Twitter"><span class="relative flex shrink-0 overflow-hidden rounded-full bg-white w-6 h-6 mr-1 items-center"><svg xmlns="https://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-twitter h-4/5 text-base fill-gray"><path d="M22 4s-.7 2.1-2 3.4c1.6 10-9.4 17.3-18 11.6 2.2.1 4.4-.6 6-2C3 15.5.5 9.6 3 5c2.2 2.6 5.6 4.1 9 4-.9-4.2 4-6.6 7-3.8 1.1 0 3-1.2 3-1.2z"></path></svg></span></a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://www.linkedin.com/company/bank_bazaar" title="Bankbazaar Linkedin" target="_blank" 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