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Own your Car with Smart EMI

We at ICICI Bank Car Loans in association with Tranzlease are proud to introduce SMART EMI for your dream car.

With SMART EMI, your car ownership really becomes interesting.

Under traditional Auto Loan, you are investing in a depreciating asset, along with that, you bear the risk of fluctuating insurance cost, unforeseen maintenance expenses and also bear the risk of resale value - ultimately your cost of ownership increases substantially.

However, under SMART EMI programme, you only have the Equated Monthly Instalment (EMI) which is inclusive of everything starting from full tenure insurance, maintenance and risk protection. Also, the estimated resale value of the car is deducted upfront to lower your EMI – at the end of the tenure you can choose either the buy or surrender option based on your preference along with attractive bonus payments.


Benefits of SMART EMI:

  1. Lower EMI versus same tenure Auto Loan
  2. All-inclusive EMI with full tenure insurance and maintenance
  3. No more unbudgeted and unforeseen expenses
  4. No more risk of resale value
  5. No more investing in depreciating assets
  6. Automotive experience

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