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State Bank of India is a bank that offers car loans in two different options, one having first 6 months equated monthly instalment (EMI) to be 50% of the regular EMI provided the tenure of loan is minimum 36 months. The second option is the same, being the first 6 months equated monthly instalment (EMI) to be 50% of the regular EMI, but the next 6 months are 75% of regular EMI applicable provided the tenure of loan is minimum 60 months.