Car Loan Bemetara

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Car Loan Bemetara

Best Banks for Car Loan in Bemetara


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Car Loan Bemetara 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

Car Loan Bemetara


car loan

Car Loan Bemetara 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


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Car Loan Bemetara EMI Calculator

Car Loan Bemetara 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


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Car Loan Bemetara Fees and Charges: Leading Banks – May 28 2022

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


car loan

Car Loan Bemetara 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.


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How to Get the Best Car Loan Interest Rates in Bemetara

The interest rates on vehicle loans offered by different lenders in Bemetara may vary, but they are all reasonable and competitive. If you want to get a car loan in Bemetara with the lowest interest rate, follow the steps below:

  • Check different lenders and their offers – Every lender offers different types of offers. Make sure you do detailed research before choosing the loan.
  • Maintain a good debt-to-income ratio – The debt-to-income ratio indicates how much of an applicant’s income goes toward loan EMI repayment, and lenders consider this when setting interest rates.

How to Apply for a Car Loan in Bemetara?

Availing of a car loan in Bemetara is an easy process with Dialabank. Few steps to be followed are:

  • Visit our website Dialabank.
  • Choose the car loan option.
  • Provide the details of the car and your income details.
  • Our relationship manager will soon call you on your number.
  • You can also contact our managers on 9878981166


car loan

Which Bank in Bemetara Offers the Best Car Loans?

Many big banks, including HDFC, ICICI, and SBI, offer vehicle loans here. The best lender is one that can provide you with the loan amount you need at a suitable interest rate and can hand out the funds as quickly as possible.

Car Loan for Major Car Manufacturers in Bemetara

TABLE WILL APPEAR

Processing Fees / Prepayment Charges on Car Loan Bemetara

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


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CIBIL Score Required for Car Loan in Bemetara

A higher credit score means good repayment history, which makes your car loan application process easy. Mostly, banks and NBFCs consider a credit score of 750 and above as a good score to approve your loan application process in Bemetara.


car loan

Car Loan Bemetara Contact Number

In case of any queries regarding the car loan in Bemetara, you may contact on the number 9878981166 for any assistance.


car loan

Pre Calculated EMI Table for Car Loan Bemetara

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 Bemetara

Bemetara is a district in the state of Chhatisgarh. It is a newly constituted district in the year 2012. It has a population of around 8 lakhs.


car loan

Car Loan Banks in Bemetara

Bank Name Bank Address IFSC Code
ANDHRA BANK BEMETARA BRANCH, OPP STATE GOVT GUEST HOUSE, MOHBHATTA ROAD, BEMETARA DISTRICT, CHHATTISGARH, 491335 ANDB0002977
BANK OF BARODA REST HOUSE SQUARE, WARD NO. 6,BEMETARA, DIST- DURG, CHHATTISGARH 491335. BARB0BEMETA
DENA BANK RAJENDRA SHARMA,WARD NO 3,PRATAP CJOWK MOHBHATA ROAD,BEMETARA,DIST DURG.PIN 491335 BKDN0821321
CENTRAL BANK OF INDIA SUNDER NAGAR, RAIPUR ROAD, P.O.BEMETARA, DIST-DURG, CHHATTISGARH-491335 CBIN0283379
CANARA BANK CANARA BANK,141 INDORE KHANDWA MARG, NARMADA MARG, BARWAHA (MP) CNRB0005203
CORPORATION BANK PLOT NO 120821 1209 27 MAIN MARKET ROAD BESIDE ALLAHABAD BANK BEMETARA CORP0003485
DCB BANK LIMITED DURG ROAD, BEMETARA, DISTRICT BEMETARA, STATE CHATTISGARH, PIN 491335 DCBL0000137
DCB BANK LIMITED OLD BUS STAND ROAD, BERLA, DISTRICT BEMETARA, STATE CHATTISGARH, PIN 491332 DCBL0000138
IDBI BANK OLD BUS STAND CHOWK, IN FRONT OF COLLECTORATE SECRETARIAT, BEMETERA RAIPUR ROAD, BEMETERA, PIN 491335 DIST BEMETERA, CHHATTISGARH IBKL0001221
ICICI BANK LIMITED ICICI BANK LTD PATEL COMPLEX INFRONT OF KRISHI UPAJ MANDI DURG ROAD BEMETARA CHHATTISGARH 491335 ICIC0003724
INDIAN OVERSEAS BANK GASTI CHOWK DURG ROAD PO BENETARA DIST BEMETARA PIN 491335 CHHATTISGARH IOBA0003092
KOTAK MAHINDRA BANK LIMITED GROUND FLOOR, P.C. NO 94, WARD NO. 7, KHASRA NO 115820, 115823, RAIPUR ROAD, BEMETRA – 491335. TEHSIL BEMETRA, DISTRICT DURG, CHHATTISGARH. KKBK0006426
ORIENTAL BANK OF COMMERCE NEAR RATAN TALKIES,DURG ROAD,BEMETARA,PIN 491335 ORBC0101971
STATE BANK OF INDIA DIST DURG, CHHATTISGARH 491335 SBIN0000296
STATE BANK OF INDIA OPPOSITE PWD REST HOUSE, BEMETRA ROAD PO DHAMDHA, DURG SBIN0010835
UNION BANK OF INDIA BEMETARA,GASTI CHOWK, MAIN DURG ROAD,BEMETARA , CHHATTISGARH , PIN – 491335 UBIN0568040
UCO BANK TRIPATHI COMPLEX, GROUND FLOOR NEAR NEW BUS STAND, DIST- BEMETRA 491335 UCBA0002836
AXIS BANK VILLAGE HATMUDI, PO & PS BEMITARA, HATMUDI, DIST. BEMITARA, CHATTISGARH, PIN 491335 UTIB0001794
VIJAYA BANK VIJAYA BANK, NEAR OLD BUS STAND, BEMETARA, CHATTISGARH-491335 VIJB0007655

FAQ’s About Bemetara Car Loan

✅ Which car can I get with a car loan?

Car loans can be used to buy any car, including SUVs, MUVs, etc. You can also get a car loan to get a vehicle for professional needs.

✅ Is it okay to get a loan on my current vehicle?

If you have a decent repayment history with your current lender, many lenders will grant you a loan on your vehicle.

✅ Can the car about to be purchased placed as collateral against the loan?

The car you will purchase, or anything like papers of your house or gold can be produced as security.

✅ Where can I find an Interest Calculator for a Car Loan?

You can check out the EMI calculator available on the Dialabank website. In addition, the interest rate can be received by filling out an application for a loan, which will need you to provide some information, depending on which interest rates will be given.