Tata Capital vs TVS Credit vs Yes Bank: Vehicle Loans Compared

Tata Capital vs TVS Credit vs Yes Bank at a glance

Detail	Tata Capital	TVS Credit	Yes Bank
Loan provider type	NBFC	NBFC	Private bank
Legal name	Tata Capital Ltd	TVS Credit Services Ltd	Yes Bank
Vehicle loans with a published rate	Car loan, Two-wheeler loan, Used car loan, Commercial vehicle loan	Two-wheeler loan, Used car loan, Three-wheeler loan, Tractor loan, Commercial vehicle loan	Not published
Official website	tatacapital.com	tvscredit.com	yes.bank.in

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Tata Capital vs TVS Credit vs Yes Bank car loan: rate, fees and tenure

Only Tata Capital publishes a rate for this product with a stated starting figure, so a like-for-like ranking is not possible. Yes Bank lists the longer maximum tenure (96* months). TVS Credit and Yes Bank do not publish a car loan rate on their website, so none is shown.

Detail	Tata Capital	TVS Credit	Yes Bank
Product	New Car Loan	Not published	YES BANK Car Loan
Published rate	From 9.49% p.a.	Not published	Not published
Rate basis	Fixed and floating options	Not published	Not published
Maximum tenure	84 months (product page); rates page calculator shows 72 months	Not published	96* months
Maximum funding	Up to 100% on-road; loan up to Rs 5 crore	Not published	Up to 100% of on-road price
Processing fee	Up to 2.95% of loan amount	Not published	Not published
Pre-closure / prepayment	6% of principal outstanding within 12 months; 5% after 12 months (same for part-prepayment)	Not published	Not published
Other terms published	Documentation charge up to Rs 1,999	Not published	Priority car delivery via dealer network
Official source	tatacapital.com tatacapital.com	Not published	yes.bank.in

Read the full guide: Car loan · EMI calculator

Tata Capital vs TVS Credit vs Yes Bank two-wheeler loan: rate, fees and tenure

Only Tata Capital and TVS Credit publish a rate for this product with a stated starting figure, so a like-for-like ranking is not possible. Yes Bank does not publish a two-wheeler loan rate on its website, so none is shown.

Detail	Tata Capital	TVS Credit	Yes Bank
Product	Two-Wheeler Loan	Two Wheeler Loan	Not published
Published rate	From 12.5% p.a.	Up to 36% p.a.policy, 2023	Not published
Rate basis	Fixed	Fixed IRR	Not published
Maximum tenure	60 months	12-60 months	Not published
Maximum funding	Up to 100% for loans up to Rs 2.85 lakh; up to Rs 15 lakh for premium/superbikes	Up to 95% of on-road price	Not published
Processing fee	Up to 4% + taxes	New 2W up to 8.85%; used 2W up to 5.9% (incl. GST)	Not published
Pre-closure / prepayment	Foreclosure 5% of principal outstanding; part-prepayment 5% of amount	3% of principal outstanding up to 12 months; 4% for 12-24 months; 5% after 24 months	Not published
Other terms published	Bounce charge Rs 600 Penal charge 3% per month on overdue amount	Also finances used and other-OEM two-wheelers	Not published
Official source	tatacapital.com	tvscredit.com tvscredit.com tvscredit.com	Not published

Read the full guide: Two-wheeler loan · EMI calculator

Tata Capital vs TVS Credit vs Yes Bank used car loan: rate, fees and tenure

Only Tata Capital and TVS Credit publish a rate for this product with a stated starting figure, so a like-for-like ranking is not possible. Tata Capital lists the longer maximum tenure (72 months). Yes Bank does not publish a used car loan rate on its website, so none is shown.

Detail	Tata Capital	TVS Credit	Yes Bank
Product	Used Car Loan	Used Car Loan	Used Car Loan
Published rate	From 10.49% p.a.	Up to 30% p.a.policy, 2023	Not published
Rate basis	Reducing balance; fixed EMI	Fixed IRR	Not published
Maximum tenure	72 months	12-60 months	Not published
Maximum funding	Up to 95% of car value (100% on select cars); loan up to Rs 50 lakh	Up to 95% of asset value	Zero down payment offered
Processing fee	Up to 2.95% of loan amount	Up to 5.9% (schedule of charges)	Not published
Pre-closure / prepayment	6% of principal outstanding within 12 months; 5% after 12 months (same for part-prepayment)	6.5% of principal outstanding up to 12 months; 6% for 12-24 months; 5.5% after 24 months	Not published
Other terms published	Car up to 10 years old at loan maturity Valuation fee Rs 750 An older Tata Capital page states rates from 15%, 1.75% fee and 7%/6%/5% foreclosure; the rates-and-charges page is used here	Approval in 4 hours No income proof required	Funds cars up to 4th owner Asset exit age up to 15 years
Official source	tatacapital.com tatacapital.com	tvscredit.com tvscredit.com tvscredit.com	yes.bank.in

Read the full guide: Used car loan · EMI calculator

Tata Capital vs TVS Credit vs Yes Bank three-wheeler loan: rate, fees and tenure

Only TVS Credit publishes a rate for this product with a stated starting figure, so a like-for-like ranking is not possible. Tata Capital and Yes Bank do not publish a three-wheeler loan rate on their website, so none is shown.

Detail	Tata Capital	TVS Credit	Yes Bank
Product	Not published	Three Wheeler Loan	Not published
Published rate	Not published	13% - 29% p.a.policy, 2023	Not published
Rate basis	Not published	Fixed IRR	Not published
Maximum tenure	Not published	4 years	Not published
Maximum funding	Not published	Based on vehicle and customer profile	Not published
Processing fee	Not published	Up to 5.9%	Not published
Pre-closure / prepayment	Not published	3% of principal outstanding up to 12 months; 4% for 12-24 months; 5% after 24 months	Not published
Other terms published	Not published	Same-day approval No income document scheme	Not published
Official source	Not published	tvscredit.com tvscredit.com tvscredit.com	Not published

Read the full guide: Three-wheeler loan

Tata Capital vs TVS Credit vs Yes Bank tractor loan: rate, fees and tenure

Only TVS Credit publishes a rate for this product with a stated starting figure, so a like-for-like ranking is not possible. Tata Capital and Yes Bank do not publish a tractor loan rate on their website, so none is shown.

Detail	Tata Capital	TVS Credit	Yes Bank
Product	Not published	Tractor Loan (also Used Tractor Loan)	Not published
Published rate	Not published	New 11% - 25% p.a.; used 14% - 34% p.a.policy, 2023	Not published
Rate basis	Not published	Fixed IRR	Not published
Maximum tenure	Not published	12-72 months	Not published
Maximum funding	Not published	Up to 90% of tractor price	Not published
Processing fee	Not published	Up to 5.9%	Not published
Pre-closure / prepayment	Not published	6% of future principal outstanding up to 12 months; 5% after	Not published
Other terms published	Not published	Repayment aligned to crop cycles Farm implement finance available	Not published
Official source	Not published	tvscredit.com tvscredit.com tvscredit.com	Not published

Read the full guide: Tractor loan

Tata Capital vs TVS Credit vs Yes Bank commercial vehicle loan: rate, fees and tenure

Only Tata Capital and TVS Credit publish a rate for this product with a stated starting figure, so a like-for-like ranking is not possible. Tata Capital lists the longer maximum tenure (imhcv up to 72 months; slcv and buses up to 60 months). Yes Bank does not publish a commercial vehicle loan rate on its website, so none is shown.

Detail	Tata Capital	TVS Credit	Yes Bank
Product	Commercial Vehicle Loan (new and used)	Used Commercial Vehicle Loan (used only)	Commercial Vehicle Loans
Published rate	From 12% p.a.page meta description	Up to 30% p.a.policy, 2023	Not published
Rate basis	Not published	Fixed IRR	Not published
Maximum tenure	IMHCV up to 72 months; SLCV and buses up to 60 months	6-36 months	60 months
Maximum funding	IMHCV up to 100% of ex-showroom; SLCV up to 94% of on-road; buses up to 100% of on-road	Not published	90% - 95% (minimum 5%-10% margin by profile)
Processing fee	As per sanction letter	Up to 5.9%	Not published
Pre-closure / prepayment	4% of outstanding or Rs 5,000, whichever higher (excl. GST), with 30 days notice	4% of principal outstanding up to 12 months; 5% for 13-36 months; 6% after 36 months	Not published
Other terms published	Trucks, buses, tippers, pickups, special-application vehicles Body funding available Used CV refinance, top-up and balance transfer	Vehicles up to 15 years old Refinance against existing vehicle New CVs not financed per product page	Funding with or without existing CV ownership Income documents not mandatory
Official source	tatacapital.com tatacapital.com	tvscredit.com tvscredit.com tvscredit.com	yes.bank.in

Read the full guide: Commercial vehicle loan

Which is better: Tata Capital, TVS Credit or Yes Bank?

No loan provider is best for everyone. This is how the published figures split, product by product.

Car loan, longer maximum tenure: Yes Bank (96* months). A longer tenure lowers the EMI but raises total interest.
Used car loan, longer maximum tenure: Tata Capital (72 months). A longer tenure lowers the EMI but raises total interest.
Commercial vehicle loan, longer maximum tenure: Tata Capital (imhcv up to 72 months; slcv and buses up to 60 months). A longer tenure lowers the EMI but raises total interest.

Pick on total cost, not the headline rate: ask each loan provider for the Key Fact Statement and compare the APR and total repayable amount. A low rate with a high processing fee can cost more than a slightly higher rate with no fee.

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Bank type and how each loan provider sets its rate

Tata Capital and TVS Credit are nbfcs and Yes Bank is a private bank.

What the loan providers' own pages say about how their rates are set:

Tata Capital car loan: Fixed and floating options.
Tata Capital two-wheeler loan: Fixed.
Tata Capital used car loan: Reducing balance; fixed EMI.
TVS Credit two-wheeler loan: Fixed IRR.
TVS Credit publishes only a ceiling for its two-wheeler loan (Up to 36% p.a.), so it cannot be ranked on a starting rate.
TVS Credit used car loan: Fixed IRR.
TVS Credit publishes only a ceiling for its used car loan (Up to 30% p.a.), so it cannot be ranked on a starting rate.
TVS Credit three-wheeler loan: Fixed IRR.

Banks and non-banking finance companies (NBFCs) publish rates in different ways: some give a range, some only a starting rate and some only a maximum. That is why this page compares like with like and marks every gap as not published instead of guessing.

About Tata Capital, TVS Credit and Yes Bank

Tata Capital

NBFC · Tata Capital Ltd

Tata Group's diversified NBFC; absorbed Tata Motors Finance (CV/PV financier for Tata Motors) in May 2025

Lowest published starting rate: 9.49% (Car loan)

TVS Credit

NBFC · TVS Credit Services Ltd

Captive-linked financier for TVS Motor two-wheelers with wide rural reach; also used car, tractor, 3W and used CV loans

Lowest published starting rate: 11% (Tractor loan)

Yes Bank

Private bank

Private bank offering new and used car loans with up to 100% on-road funding and long tenures, plus commercial vehicle finance; it does not publish car loan rates on its product pages.

What to check before you choose a vehicle loan

Ask for the Key Fact Statement (KFS). RBI requires loan providers to give you one before you sign, showing the interest rate, all fees, the APR and the total amount you will repay.
Compare APR, not the headline rate. Processing fee, documentation charges and insurance change the real cost.
Ask about pre-closure charges. Fixed-rate vehicle loans often carry charges for paying early; floating-rate loans to individuals cannot.
Check what is bundled. Insurance, extended warranty or accessories added to the loan raise the amount you pay interest on. You are free to buy insurance elsewhere.
Confirm the hypothecation. The loan provider's name is noted on the registration certificate. After the last EMI, collect the NOC and have it removed at the RTO.

Terms used on this page

Plain meanings of the terms this comparison uses.

Starting rate: The lowest rate a loan provider advertises for a product. Most borrowers are offered a higher rate, because the final rate depends on credit score, income, employer and loan amount.

APR: Annual percentage rate. It adds the processing fee and other charges to the interest rate, so it shows the yearly cost of the loan better than the interest rate alone.

Key Fact Statement: A short summary the loan provider gives you before you sign. It lists the interest rate, every fee, the APR and the total amount you will repay. RBI requires it for retail loans.

Floating rate and repo rate: A floating rate moves with a benchmark, and for banks that is usually the RBI repo rate, the rate at which RBI lends to banks. A fixed rate stays the same for the period you agree.

Processing fee: A one-time charge for handling the application. It is usually a percentage of the loan amount plus GST, and it is often deducted before the money reaches you.

Credit score: A number from 300 to 900 that shows how you have repaid past loans and cards. A higher score usually gets you a lower rate.

Sources, method and last check

Every figure above comes from the loan provider's own website. We checked them on 4 October 2026 and list the pages used.

Method: we list only figures we could find on the loan provider's official pages. A blank means the loan provider does not publish that figure, and we never estimate one. Rankings use the published starting rate and published maximum tenure only. Read our editorial policy, how we make money and tell us about an error.

More loan provider comparisons

Frequently asked questions

Which is better for a vehicle loan: Tata Capital, TVS Credit or Yes Bank?

These loan providers do not all publish a rate for the same vehicle loan, so they cannot be ranked on rate alone here. Compare the fees, tenure and pre-closure terms in the tables above and ask each loan provider for its Key Fact Statement.

Which vehicle loans do Tata Capital, TVS Credit and Yes Bank publish rates for?

Tata Capital: car loan, two-wheeler loan, used car loan, commercial vehicle loan. TVS Credit: two-wheeler loan, used car loan, three-wheeler loan, tractor loan, commercial vehicle loan. Yes Bank: no published rate found. Based on each loan provider's own website, checked 4 October 2026.

Are the rates on this page the rate I will get?

No. They are the rates the loan providers publish, usually a range or a starting rate. Your approved rate depends on your credit score, income, loan amount, tenure and vehicle. Always read the Key Fact Statement before you sign.

Does KhatuLoans lend money or charge for this comparison?

KhatuLoans is not a loan provider. The loan provider decides approval, rate and terms. Our comparisons are free to read, and we are not paid by the loan providers named here to rank them. See how we make money on our advertiser disclosure page.

KhatuLoans is not a loan provider and is not paid by the loan providers named here to rank them. Rates, fees and prices change; always confirm with the loan provider and dealer. Read our editorial policy and how we make money.