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Frequently asked Questions
How do I pay my EMI?
You can pay your EMI by providing us with a National Automated Clearing House (NACH) mandate form. This is nothing but an instruction that authorises a direct deduction of the EMI amount from your bank account (from which you would repay your loan) on specified dates. In case your bank is not registered for NACH, then you might have to open a new bank account in a registered bank and provide us with a NACH mandate form.
What is Margin Money?
Margin Money is the amount that you have to pay to the dealer or seller before availing the vehicle loan. This is your contribution towards the purchase of the vehicle
What is EMI?
An Equated Monthly Instalment, or EMI, is the monthly payment that you make to your vehicle loan provider. This payment is due on specific dates, which is either the 5th or 10th of every month in case of IndoStar Capital Finance Limited. The EMI consists of two parts: the interest to be paid on the loan and the principal component. Thus, with every EMI that you pay, you are repaying a part of the loan as principal repayment and also the interest due on the amount borrowed.
What is a Loan-To-Value (LTV) Ratio?
A Loan-to-Value ratio is the amount of loan that will be provided compared to the value of the vehicle. For new vehicles, the purchase or invoice cost will be considered as the value of the vehicle. For a used vehicle or refinance, a fair market value is considered as the value of the vehicle.
What are the loan tenure options?
You can choose any repayment tenure from 12 to 60 months. This range is specially designed to suit your needs and requirements.
Is a co-applicant mandatory? Am I eligible to be a co-applicant?
Yes, a co-applicant is mandatory to apply for a loan. All owners/co-owners of the vehicle to be financed will have to necessarily be co-applicant(s) to the loan.
Send us a message.
NACH mandate form
Grievance Redressal
Tamil Nadu
Karnataka
Andhra Pradesh
Telangana
Kerala
Union Territory of
Puducherry
Gujarat 1
Gujarat 2
Mumbai
Rest of Maharashtra
Chattisgarh
Madhya Pradesh
Vidharbha
Delhi
Uttar Pradesh
Uttarakhand
Haryana
Punjab
Union Territory of
Chandigarh
Himachal Pradesh
Rajasthan
Jammu and Kashmir
West Bengal
Odisha
Assam
Meghalaya
Bihar
Jharkhand
Tamil Nadu
Andaman and Nicobar
Islands
Karnataka
Andhra Pradesh
Telangana
Kerala
Union Territory of
Lakshadweep
Union Territory of
Puducherry
Nodal Officer/ Grievance Redressal Officer & Principal Nodal Officer /Internal Ombudsman ( South )
Boopathy D
IndoStar Capital Finance Ltd, 2nd Floor,
Sakithyan Annexe Building,
22 & 23 Venkatanarayana Road, T.Nagar,
Chennai, Tamil Nadu-600017
Email : contact@indostarcapital.com
Contact No : 044-4004 5800
C/o Reserve Bank of India,
Fort Glacis, No. 16, Rajaji Salai,
Chennai 600 001
STD Code : 044
Contact No : 25395964
Fax No : 25395488
Email : crpc@rbi.org.in
Gujarat 1
Gujarat 2
Mumbai
Rest of Maharashtra
Nodal Officer/ Grievance Redressal Officer & Principal Nodal Officer /Internal Ombudsman ( West-1 )
Prashant Solanki
Zonal Business Head – West 1
IndoStar Capital Finance Limited,
Shop No. 222 & 223, Block-A,
Shreeya Amalga, Off Sindhu Bhavan Road,
Near Pakwan Char Rasta, Ahmedabad – 380001
Email : contact@indostarcapital.com
Contact No- O7961558905, O7961558910
Office location of NBFC Ombudsman ( West )
C/o Reserve Bank of India,
4th Floor, RBI Byculla Office Building,|
Opp. Mumbai Central Railway Station Byculla,
Mumbai – 400 008
STD Code : 022
Email : crpc@rbi.org.in
Contact No : 2302 2028 / 2300 1483
Chattisgarh
Madhya Pradesh
Vidharbha
Nodal Officer/ Grievance Redressal Officer & Principal Nodal Officer /Internal Ombudsman ( West-2 )
Kapil Bhargava
Zonal Business Head – West 2
IndoStar Capital Finance Ltd, 2nd Floor,
238-A, Shashwat Tower, Zone-1, MP Nagar,
Opposite DB Mall, Hoshangabad Road,
Bhopal Madhya Pradesh-462011
Email : contact@indostarcapital.com
Contact No- 8305959900
Office location of NBFC Ombudsman ( West )
C/o Reserve Bank of India,
4th Floor, RBI Byculla Office Building,|
Opp. Mumbai Central Railway Station Byculla,
Mumbai – 400 008
STD Code : 022
Email : crpc@rbi.org.in
Contact No : 2302 2028 / 2300 1483
Delhi
Uttar Pradesh
Uttarakhand
Haryana
Punjab
Union Territory of
Chandigarh
Himachal Pradesh
Rajasthan
Jammu and Kashmir
Nodal Officer/ Grievance Redressal Officer & Principal Nodal Officer /Internal Ombudsman ( North )
Naresh Tyagi
Zonal Business Head – North
IndoStar Capital Finance Limited,
Correnthum Building,
3rd Floor Tower A (Office No A-2317)
Sec-62b Noida, Gautam Buddh Nagar,
Uttar Pradesh – 201301
Email : contact@indostarcapital.com
Contact No – 9837602999
C/o Reserve Bank of India,
Sansad Marg,
New Delhi -110001
STD Code : 011
Email : crpc@rbi.org.in
Contact No : 23724856
West Bengal
Sikkim
Odisha
Assam
Arunachal Pradesh
Manipur
Meghalaya
Mizoram
Nagaland
Tripura
Bihar
Jharkhand
Nodal Officer/ Grievance Redressal Officer & Principal Nodal Officer /Internal Ombudsman ( East )
Indrajit Das
Zonal Business Head – East
Shree Shubh Apartment,
BB99, Prafulla Kanan,
VIP Park, Kestopur,
Kolkata-700101
Email : contact@indostarcapital.com
Contact No : 9830775300
C/o Reserve Bank of India,
15, Netaji Subhash Road
Kolkata-700 001
STD Code : 033
Contact No : 2231 0217
Email : crpc@rbi.org.in
If the resolution provided by the Nodal Officer does not meet your expectation, you can approach our Grievance Redressal Officer & Principal Nodal Officer.
The details of Grievance Redressal Officer & Principal Nodal Officer are mentioned below:
Mr. Krishnamoorthy Swaminathan
Grievance Redressal Officer & Principal Nodal Officer
IndoStar Capital Finance Ltd, 2nd Floor,
Sakithyan Annexe Building,
22 & 23 Venkatanarayana Road, T.Nagar,
Chennai, Tamil Nadu-600017
Email : PNO@indostarcapital.com
Contact No : 044-4004 5818
If the resolution provided by the Grievance Redressal Officer & Principal Nodal Officer does not meet your expectation, you can approach our Internal Ombudsman Officer.
The details of Internal Ombudsman Officer are mentioned below:
Mrs. Pooja Anil Thakur
Internal Ombudsman Officer
If the complaint is not resolved within a period of one month from the date of complaint, the customer may also approach the RBI Ombudsman / Regional Office of Department of Supervision – RBI
The details of RBI Regional Office are mentioned below:
Officer-in-charge
Department of Non-Banking Supervision,
Mumbai Regional Office, 3rd Floor,
Opp. Mumbai Central Railway Station,
Byculla, Mumbai – 400 008
Email : dnbsmro@rbi.org.in
