Car Loan Kaushambi

Best Banks for Car Loan in Kaushambi

Car Loan Kaushambi Features

⍟ Loan Approval in 30 Minutes
⍟ Lowest Rate of Interest
⍟ Up to 100% on Road Loan
⍟ Minimum Documentation
⍟ Paperless Process
⍟ Flexible Repayment
⍟ Zero Foreclosure
⍟ 24 x 7 Online Payment Facility
⍟ No Hidden Charges

Do you need to upgrade? Do you want to give your loved one an automobile as a present? You don’t want it to have an impact on your budget? Don’t worry, Dialabank will take care of everything for you. With Dialabank, you may acquire a loan in a matter of minutes, with minimal paperwork and low-interest rates. Our relationship managers will walk you through every procedure stage and provide you with the necessary papers.

Car Loan Kaushambi

Car Loan Kaushambi Eligibility Criteria

Salaried Individual	Age – 21 years to 60 years Net Monthly Income – Minimum ₹ 20,000 Employment Duration – 1-year minimum Income Eligibility – Based on Form 16 and salary slip
Self-Employed Individuals	Age – 21-65 years of age Minimum ITR – Rs.2 lakh Employment Duration – Minimum 3 years Income Eligibility – Depends on the latest Income Tax Returns
Self-Employed Non-Individuals (Company/Partnership)	Minimum ITR – Rs. 2 lakh Employment Duration – 3 years minimum The applicant has to present IT returns and audited financials of 2 years with Calculated Income.
Priority Customers	At least 6-month vintage Average Quarterly Balance – 2 quarters balance at a minimum of Rs.1 lakh Maximum Loan Amount – 3 times the Average Quarterly Balance of the last 2 Quarters

Car Loan Kaushambi EMI Calculator

Car Loan Kaushambi Fees & Charges

Charges	New Car Loan	Used Car Loan
Interest Rate	7.35% per annum	11.80% p.a. to 13.80% p.a.
Car loan Processing fees	0.5%	0.5%
Issuance of Duplicate Repayment Schedule Charges	Around Rs.500	Around Rs.500
Foreclosure Charges	0.06	0.06
Penal Interest	2% PM	2% PM
Car loan Part Payment charges	6% of the amount	6% of the amount
Cheque/Instrument Swap Charge	Around Rs.500	Around Rs.500
Documentation Charge	Around Rs. 500	Around Rs. 500
Issuance of Duplicate No Dues Certificate Charges	Around Rs. 500	Around Rs. 500
Registration Certification Collection Charge	Around Rs. 200	Around Rs. 200
Cheque Bounce/Instrument Return Charges	Around Rs. 500	Around Rs. 500
Issuance of Duplicate Statement Charges	Around Rs. 500	Around Rs. 500
Loan Cancellation/Re-booking Charges	Around Rs. 1000	Around Rs. 1000
Issuance of Credit Report	Around Rs. 50	Around Rs. 50

Car Loan Kaushambi Fees and Charges: Leading Banks – Apr 25 2024

Bank	Processing Fee	Prepayment Charges
HDFC Bank Car Loan	(1999 - 4999) + Tax	2%, Nil foreclosure charges after 24 months
Axis Bank Car Loan	1 % to 2.50%	Nil
Private Bank Car Loan	0.25% to 1.50%	2%, Nil foreclosure charges after 36 months
SBI Car Loan	500/- to 0.50%	Nil
Kotak Car Loan	1% to 2%	2.25% of fore closure amount if closed 1 month ahead of the tenure.
IIFL Car Loan	Nil	Nil
Muthoot Car Loan	Nil	Nil
Manappauram Car Loan	Nil	Nil
PNB Car Loan	0.70% to 1%	Nil
Canara Bank Car Loan	0.01	Nil
Andhra Bank Car Loan	Nil	Nil

To check Car Loan Interest Rate for all major banks you can visit: Car Loan Interest Rates

Car Loan Kaushambi Documents Required

Salaried Individual

Category	Documents Required
Identity Proof (Any 1)	Passport Voter ID Aadhar Card Driving License
Address Proof (Any 1)	Aadhar Card PAN Driving License Electricity Bill
Date of Birth Proof(Any 1)	Passport Birth Certificate High School Marksheet Driving Licence
Signature Proof(Any 1)	PAN Bankers Verification Passport
Income Proof	Salary Slip and latest Form No.16
Bank Statement	Last 6 month Bank statement
Employment Continuity Proof	Job card by NREGA ITR of Form no. 16 Salary Slip mentioned with joining date Letter of Appointment

Self-Employed Individuals

Category	Documents Required
Identity Proof (Any 1)	PAN Card Passport Voter ID Aadhar Card
Address Proof (Any 1)	PAN Card Voter ID Passport Electricity Bill
Date of Birth Proof (Any 1)	Birth Certificate Passport Driving Licence PAN
Signature Proof (Any 1)	PAN Bankers Verification Passport
Bank Statement	Bank statement of last 6 months
Employment Continuity Proof	Latest ITRs Shop & Establishment Act Certificate Shop & Establishment Act Certificate Sales Tax or VAT Certificate
Business Proof	Registration Certificate Telephone Bill/Electricity Bill Shop & Establishment Act Certificate SSI or MSME Registration Certificate

Self-Employed Non-Individuals:

1. Partnership Firms/Societies

Category	Documents Required
Identity Proof (Any 1)	Driving Licence PAN Card Aadhar Card Passport
Address Proof (Any 1)	Electricity Bill/Telephone Bill Aadhar Card Driving License Voter ID
Income Proof	Audited Balance Sheet P&L Account ITR for the previous 2 years
Bank Statement	Last 6 month
Business Continuity Proof	Company ITR of the last 2 years Audited Balance Sheet TAX registration Certificate Current Account Statement
Additional documents	Letter of Authority or PAN Card

2. Private Limited/Limited Companies

Category	Documents Required
Identity Proof	The latest copy of MOA and AOA Copy of Incorporation
Address Proof (Any 1)	SSI/MSME Registration Certificate Telephone Bill Electricity Bill Shop & Establishment Act Certificate Sales Tax Certificate
Income Proof	Audited Balance Sheet P&L Account and ITR for the previous 2 years
Bank Statement	Previous 6 Months
Business Continuity Proof	P&L account and ITR of the Company of the past 2 years Audited Balance Sheet Shop & Establishment Act Certificate
Additional documents	List of Shareholding partners and Directors Board Resolution PAN Card Certificate of Commencement of Business for Ltd. Co.

How to Get the Best Car Loan Interest Rates in Kaushambi

In Kaushambi, various lenders offer automobile loans with varied interest rates, although they are all reasonably affordable. To receive the best vehicle loan interest rates in Kaushambi, follow the steps outlined below.

Choose a shorter repayment term – Because the monthly EMI on a car loan is modest, many applicants assume that longer payback terms are better. Lenders see extended repayment terms as a sign of a borrower’s poor repayment ability. Thus they charge a greater interest rate on lengthier loans than on short-term loans. If you want to save money on your car loan, consider a shorter payment period.
Research and compare the perks offered by different lenders – Borrowers must first explore and compare the benefits offered by different lenders before applying for a car loan. This can help them determine which lenders have the best interest rates and which plan suits them the best.
Maintain a low debt-to-income ratio – If a significant part of your income isn’t going towards paying off an existing loan, your chances of bagging a new loan increase.
Maintain a good credit score — Your chances of getting a new loan increase if a large portion of your income isn’t going toward paying off an existing loan.

How to Apply for a Car Loan in Kaushambi?

Visit the Dialabank website.
Select the car loan option from the loan section.
Fill in all of the required fields with your data.
You will receive a call from one of our professionals in a few minutes.
Then you can begin the loan application process.

Which Bank in Kaushambi Offers the Best Car Loans?

Vehicle loans are available in Kaushambi from various large banks and NBFCs, including HDFC, Private, and SBI. Therefore, before applying for a vehicle loan that matches all of his individual needs, a wise applicant should compare vehicle loans from all of these providers.

Car Loan for Major Car Manufacturers in Kaushambi

TABLE WILL APPEAR

Processing Fees & Prepayment Charges on Car Loan Kaushambi

The processing Fees and Prepayment charges on an auto loan are: –

Category	Details
Processing Charges	1999 - 4999 + Tax
Prepayment	No prepayment is allowed until 12 EMIs are paid
Preclosure	No foreclosure is allowed until 12 EMIs are paid
Prepayment Charges	13-24 months: 2% of loan principal outstanding
Prepayment Charges	>36 months: Nil Charges
Stamp Duty	As per state laws
Cheque Bounce Chgs	₹ 550/chq + GST
Floating Rate of Interest	Not Applicable
Overdue EMI Interest	2% p.m.(on overdue amount)
Amortisation Schedule Chgs	Rs 200 + GST

CIBIL Score Required for Car Loan in Kaushambi

When it comes to getting a loan, your CIBIL score is always important. A good CIBIL score is always between 700 and 900. If the applicant has a CIBIL score of 750 or more, the loan will be approved swiftly. On the other hand, if your CIBIL score is below 700, you may be charged a higher interest rate on your loan.

Car Loan Kaushambi Contact Number

To get instant help and any more queries For a Car Loan Kaushambi, you can call 9878981166.

Pre Calculated EMI Table for Car Loan Kaushambi

check here of Pre calculated EMI table for a car loan.

Rate	5 Yrs	4 Yrs	3 Yrs
10.50%	2149	2560	3250
11.00%	2174	2584	3273
11.50%	2199	2608	3297
12.00%	2224	2633	3321
12.50%	2249	2658	3345
13.00%	2275	2682	3369
13.50%	2300	2707	3393
14.00%	2326	2732	3417
14.50%	2352	2757	3442
15.00%	2378	2783	3466

About Kaushambi

On April 4, 1997, the present-day Kaushambi district was created from the Allahabad district. Manjhanpur, the district headquarters, is located 55 kilometres south of Allahabad, on the north bank of the Yamuna River. Chitrakoot is in the southern part, Pratapgarh is in the north, Fatehpur in the west and Allahabad in the east.

Car Loan Banks in Kaushambi

Bank	Bank Name	IFSC
ALLAHABAD BANK	VILL. MAHEWAGHAT, P.O. SHAHPUR DIST. KAUSHAMBI UTTAR PRADESH 251318	ALLA0211445
ALLAHABAD BANK	C 32,SECTOR14,KAUSHAMBI.DISTT.GHAZIABAD UP	ALLA0212896
BANK OF BARODA	VILL ASHADHA,PO VAISHYAKATI,KAUSHAMBI DT,UTTAR PRADESH 212206	BARB0ASHADH
BANK OF BARODA	VILL BAIRAGIPUR,PO SHAHPUR,KAUSHAMBI DT,UTTAR PRADESH 212207	BARB0BAIRAA
BANK OF BARODA	VILLAGE & POST BINDAW, KAUSHAMBI, UP 212206.	BARB0BINDAW
BANK OF BARODA	CHAURADIH,PO JALALPURTHANACHAIL,KAUSHAMBI DT,UTTAR PRADESH – 212202.	BARB0CHAURA
BANK OF BARODA	CHITAPUR,KAUSHAMBI DT,UTTAR PRADESH 221503	BARB0CHIKAU
BANK OF BARODA	VILL GULAMIPUR,PO GANPA,KAUSHAMBI,UTTAR PRADESH 212217	BARB0GULAMI
BANK OF BARODA	KANPUR ROAD,POSIKANDARPUR,BAJHA,KAUSHAMBI,UP 212213	BARB0IMAMGA
BANK OF BARODA	KAUSHAMBI BRANCH,D-43 KAUSHAMBI,GHAZIABAD,201010	BARB0KAUMOR
BANK OF BARODA	KAUSHAMBI BLOCK OFFICE, DIST.KAUSHAMBI,UTTAR PRADESH – 212 216.	BARB0KAUSHA
BANK OF BARODA	MOHAMMADPUR,KAUSHAMBI,UTTAR PRADESH 212208	BARB0MOHKAU
BANK OF BARODA	VILL.& P.O.NEWADA, DIST.KAUSHAMBI, UTTAR PRADESH – 212 212.	BARB0NEWADA
BANK OF BARODA	VILL & PO OSACHAURAHA,KAUSHAMBI,UTTAR PRADESH 221013	BARB0OSACHA
BANK OF BARODA	VILL KOLIHA,PO SAYEDSERWAN,KAUSHAMBI,UTTAR PRADESH 212213	BARB0RASKOI
CENTRAL BANK OF INDIA	MAHALAXMI TOWER, PLOT NO. 1 GF SHOP NO. 1, 2, 3 & 4, SECTOR 14, KAUSHAMBI, UTTAR PRADESH 201012	CBIN0285097
CORPORATION BANK	PLOT NO. 20, SECTOR 14, MILAN BUSINESS SPACE, KAUSHAMBI, GHAZIABAD, UTTAR PRADESH-201010.	CORP0001249
CORPORATION BANK	NEAR TEHSIL MAIN ROAD CHAIL DIST KAUSHAMBI UP 212202	CORP0003536
HDFC BANK	HDFC BANK LTD BUILDING NO. 21, GHAZIABAD, UTTAR PRADESH 201001	HDFC0002653
INDIAN BANK	MAHALUXMI TOWERSPLOT NO. C-1 SECTOR-14KAUSHAMBIMAHARAJPUR GHAZIABAD UTTAR PRADESH-201010	IDIB000K231
INDIAN OVERSEAS BANK	PLOT NO H1, GROUND FLOOR, SHOPPRIX MALL, KAUSHAMBI, GHAZIABAD PIN 201010	IOBA0002387
ORIENTAL BANK OF COMMERCE	SIRATHU ROAD, CHAK NAGAR, MANJHANPUR, DIST-KAUSHAMBI-212207.	ORBC0102095
PUNJAB AND SIND BANK	SHOP NO 14A AND 12, SHIPRA AZURE ARCADE NEAR WAVE CINEMAS, KAUSHAMBI, GHAZIABAD 210010	PSIB0021226
STATE BANK OF INDIA	DISTKAUSHAMBI UTTAR PRADESH 212207	SBIN0001118
STATE BANK OF INDIA	DISTKAUSHAMBI UTTAR PRADESH 212217	SBIN0001866
STATE BANK OF INDIA	STATEBANKOFINDIATEWAMANJHANPUR	SBIN0009246
STATE BANK OF INDIA	BHARWARI, DISTT. KAUSHAMBI, UTTAR PRADESH 212201	SBIN0009556
STATE BANK OF INDIA	STATEBANKOFINDIAUP	SBIN0009557
STATE BANK OF INDIA	FAKIRABAD CHAURAHA,DISTKAUSHAMBI211016	SBIN0012494
STATE BANK OF INDIA	PASCHIM SHARIRA,DISTKAUSHAMBI212214	SBIN0012495
STATE BANK OF INDIA	C BY O SMT GEETA DEVI W BY O SRI RUPENDRA SINGH, G T ROAD, P O MURAT GANJ, DISTT KAUSHAMBI	SBIN0014935
STATE BANK OF INDIA	C BY O SRI PRADEEP KUMAR, NETANAGAR, OPP ALLAMA JAWADI GIRLS INTER COLLEGE, P O KARARI, DISTT KAUSHAMBI	SBIN0014936
UNION BANK OF INDIA	HAJRATGANJ OSHA KARARI ROAD, MANJHANPUR DIST. KAUSHAMBI	UBIN0559326
UNION BANK OF INDIA	RIZVI INSTITUTE OF ENG MANJHANPUR KAUSHAMBI UTTAR PRADESH 212206	UBIN0566365
UNION BANK OF INDIA	POST OFFICE BHARWARI KAUSHAMBI DISTRICT UTTAR PRADESH PINCODE 212201	UBIN0572721
UTKARSH SMALL FINANCE BANK	WARD NO.10,INDIRA NAGAR,NAYA BAZAR,BHARWARI,DISTRICT – KAUSHAMBI,STATE – UTTAR PRADESH,PIN CODE 212201	UTKS0001075