Which is the best option to repay one’s commercial vehicle loan?

This is an absolutely personal decision based on whatever you are comfortable with.

However, from a borrower’s perspective, the direct debit instructions such as standing instructions or electronic clearing services (ECS) are the most convenient repayment options. ECS facility will enable direct debit of your bank account every month on the specific date.

Do note that there is nominal charge in case you wish to change to either of the repayment mode. It is advisable that you discuss your chosen repayment option with your lender so as to maximise on your loan.