Car Loan Amethi

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Car Loan Amethi

Best Banks for Car Loan in Amethi

Feature HDFC Bank ICICI Bank
Kotak Mahindra Bank
Interest Rate (p.a.) 7.35 % - 7.95 % 8.5 % - 9.5 % 11 %
Min Loan Amt Metro : 1 Lac & Non Metro: 75000 75000 75000
Max Loan Amt 1 Cr 1 Cr 1 Cr
Loan Tenure Upto 7 Years Upto 5 Years Upto 5 Years
Processing Fee 1999 - 4999 + Tax 0.25% to 1.50% 0.25% to 1.50%
Preclosure Chgs 2%, Nil after 24 months 2%, Nil after 36 months Nil
Loan to Value (LTV) Upto 100% on Ex- showroom Upto 95% on Ex- showroom
Upto 90% on Ex- showroom

Car Loan Amethi Features

Car Loan Amethi

Want to buy a car? But don’t have enough money? Don’t worry. We Dialabank got your back, Dialabank help customers to compare, analyze, and choose the best loan possible.

A car loan is a financial helps provided by banks and NBFC’s to fulfill your dream of having your car. They provide necessary funding for purchasing a car which can be on Ex-Showroom Price or On-Road Price of the car. A Car loan is a secured loan with easy repayment options. The loan amount is offered on Interest charges which vary from bank to bank. One can pay for the vehicle in easy installments.

Car Loan Amethi Interest Rate

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
ICICI 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

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Car Loan Amethi Documents Required

Documents required for car loan are as followed:

For Salaried Employee

  1. Identity Proof: Passport copy, PAN Card, Voters ID card, Driving License of the applicant
  2. Income Proof: Latest 3-months salary slip with form 16 of the applicant
  3. Address Proof: Ration card/Driving license/Voters card/Passport Copy/Telephone Bill/Electricity Bill/Life Insurance Policy/PAN Card of the applicant
  4. Bank Statement: Last six months bank statement of the applicant

For Self Employed

  1. Identity Proof: Passport copy, PAN Card, Voters ID card, Driving License of the applicant
  2. Income Proof: Latest Income Tax Report of the applicant
  3. Address Proof: Ration card/Driving license/Voters card/Passport Copy/Telephone Bill/Electricity Bill/Life Insurance Policy/PAN Card of the applicant
  4. Bank Statement: Last six months bank statement of the applicant

Car Loan Amethi Eligibility Criteria

The car loan eligibility requirements are as followed:

For Salaried Employee

  1. Minimum age: 21 years old
  2. Maximum age at loan maturity: 65 years old
  3. Minimum employment: For Salaried- 1 year in current employment and a minimum of 2 years of employment
  4. For Self Employed– at least 3 years in business
  5. Minimum Annual Income: For Salaried Rs 100000 net annual income
  6. For Self- Employed Net profit Rs. 60000 p.a for standard cars and Rs.100000 per annum for mid-sized and premium cars

For Self Employed

  1. Minimum age: 21 years old
  2. Maximum age at loan maturity: 65 years old
  3. Minimum employment: At least 3 years in business
  4. Minimum Annual Income: Net profit Rs. 60000 p.a for standard cars and Rs.100000 per annum for mid-sized and premium cars

Car Loan for Major Car Manufacturers in Amethi

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TABLE WILL APPEAR

Processing Fees & Prepayment Charges on Car Loan Amethi

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
>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 Amethi

Every lending institution has its criteria for the minimum CIBIL score required for processing the Car Loan application in Amethi so that they can minimize the risk of lending to you and also if your CIBIL score is low you get an interest rate at a much high-interest rate than others. Most institutions require a minimum score of CIBIL of 750 or above to process your loan application. Also having a good CIBIL score helps to loans at a cheaper rate of interest.

The institutions don’t just look at the overall score but also the detailed behavior on the previous loans taken. This includes details on the type of loan taken and the amount borrowed. Any delayed payments for previous loans can act as a barrier to your availing a fresh loan.

Car Loan Amethi Contact Number

You can get a car loan Amethi easily from dialabank by contacting the number 9878981166. Or you can also visit Dialabank website for more information.

Pre Calculated EMI Table for Car Loan Amethi

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 Amethi

Amethi is a town in the Indian state of Uttar Pradesh. It is a major town of the Amethi district, in the Faizabad division. The Hanumangarhi temple is located near the town.

The town is part of the Amethi Lok Sabha constituency, which became reputed as a stronghold of the Indian National Congress party. The Congress leaders belonging to the Nehru-Gandhi family won several elections from Amethi during 1980-2014.

As of the 2011 Indian Census, Amethi had a total population of 13,530.

Car Loan EMI Calculator

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Car loan EMI can be calculated by the Car loan EMI Calculator provided by Dialabank. It is free to use and you can use it an infinite number of times. Equated Monthly Installments(EMI) is the monthly fixed charges that you pay to the bank as monthly repayment for the loan amount borrowed. Based on the profile, the interest rate on the loan is determined. EMI is calculated based on the Interest Rate you are charged by the bank and the amount of loan you have to take and the period for which you enjoy the car loan.

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