Indiya Dreams Financial Services

CIBIL Score Issue? Don't Worry

100% No Rejection after login

We are professional loan consultant we make it easy

Car / Commercial Vehicle Loans

IDFS advantage in car / commercial vehicle loans

More than 29+ products for New and used Car loan products.

More than 10+ products for commercial vehicle loans and FLeet.


  • Loan to both salaried and self-employed customers
  • Loan provided for purchasing both new and used vehicles
  • Loan for the purpose of both personal and commercial usage

Salaried Customers:

Salaried customers includes

  • Employees of private limited and public limited companies
  • Employees of reputed educational institutes
  • Employees of reputed partnership or proprietary firm
  • Salaried NRI, Persons of Indian origin (PIO) and Overseas citizens of india (OCI) customers.
  • Employees / Pensioners of PSU and Govt. Departments

Self-Employed Customers:

Self-Employed customers includes

  • Self Employed individual proprietor
  • Partnership Firms and Limited Liability Partnership (LLP)
  • Hindu undividual Family (HUF)
  • Public and Private Limited companies
  • Trust and Societies
  • Educational institutions and
  • Farmers

Age Norms:

Salaried employees: Min 21 years – Maximum upto 70 years including loan maturity age

Self Employed: Min 18 years (21 years for used car) – Maximum upto 75 years including loan maturity age

Tenure: 12 months to 96 months (Depends upon customer profile)

Residence stability: 1 year (To be validated from Application Form)

Work Experience for Salaried: 1 year over all experience. Profile operating from residence not eligible in salaried profile

Business stability for Self-Employed: 2 years in the same line of business (To be validated from Application form)

Product Offering:

  • 100% and 8 years on-road scheme
  • 85% and 7 years on-road scheme
  • 100% Loan against 50% FD
  • Farmers car loan
  • Fleet funding product (Commercial)
  • Repayment track product
  • 100% on-Road Auto loan for 8 years for Govt / PSU employees scheme
  • Car loan police special scheme (Min: Salary Rs.12000 /-) upto 90% on Ex-Showroom price
  • Banking surrogate product
  • First Time buyer Product – Commercial vehicle
  • Balance transfer and Top-up – Used car
  • Surrogate Product
  • Refinance scheme and variants
  • Parallel Loan product
  • PSL category to Farm credit
  • Priority Sector Lending (Manufacturing , Service and Trading industries) – (Micro, Small and Medium manufacturing Enterprise) ETC….,

Services Offered


  • Indiya Dreams Financial Services

    No: 33, Nethaji Street, Ayapakkam,

    Chennai - 600077

  • Mobile

    709 203 8666,
    978 993 9463

  • Email