My new Car Loan from SBI

When i was searching for best Car loan, I found Axis and SBI car loans schemes as best in the lot.
Axis bank car loan option was good but due to  pre-payment penalty, I cancelled it. (Even though interest rate was 11%)
Finally i took SBI car loan. Interest rate floating 11.25%.
Loan amount 3.5 Lacs
Loan tenure: 36 Months
EMI : Rs. 11501/-

Update: Current Interest Rate is 10.95 % as on 01.03.2013.