Car Loan Bemetara

Best Banks for Car Loan in Bemetara

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 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

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

Car Loan Bemetara Fees and Charges: Leading Banks – Apr 20 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 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.

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

Which Bank in Bemetara Offers the Best Car Loans?

Many big banks, including HDFC, Private, 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
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 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 Bemetara Contact Number

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

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 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
Private BANK LIMITED	Private 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.