Car Loan Darjeeling

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Car Loan Darjeeling

Best Banks for Car Loan in Darjeeling

Feature
HDFC Bank
ICICI Bank
Kotak Mahindra Bank
Interest Rate
8% - 8.4 %
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 Darjeeling Features

car loan Darjeeling

Want to purchase your own car but don’t have the required funds for it? A car loan is what you can avail to fulfill your dream. Car Loan is a secured loan with easy repayment options available for the applicants in the form of monthly installments. The loan amount is offered on Interest charges which vary from one lender to another respectively. You can apply for a car loan for purchasing a new car as well as a used car. So if you are thinking of purchasing your dream car, get an instant Car loan in Darjeeling with DialaBank at an affordable rate of interest.

Car Loan Darjeeling 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

Car Loan Darjeeling Documents Required

Documents required for car loan are as followed:

  1. Passport copy, PAN Card, Voters ID card, Driving License or any other identity proof
  2. Latest 3-month salary slip with form 16 / For Self Employed- Latest ITR as income proofs
  3. Ration card / Driving license / Telephone Bill / Electricity Bill / Life Insurance Policy /PAN Card or any address proof
  4. 2 passport size photographs
  5. ITR filing of the previous 2 years for self-employed people is compulsory.

Apply for a Car Loan

Car Loan Darjeeling Eligibility Criteria

Car loan eligibility criteria for the salaried and self-employed vary as follows:

  1. Minimum age: Applicant should be at least 21 years for salaried and 30 years for self-employed
  2. Maximum age at loan maturity: Applicant should not be more than 60 years for salaried and 65 for self-employed
  3. Minimum employment: For Salaried applicants- 1 year in current employment and a minimum of 2 years of employment / For Self Employed applicants– at least 3 years in business
  4. Minimum Annual Income: For Salaried Rs 100000 net annual income is necessary / For Self- Employed Net profit Rs.100000 p.a. for mid-sized and premium cars, Rs. 60000 p.a for standard cars are essential.

Car Loan for Major Car Manufacturers in Darjeeling

TABLE WILL APPEAR

Processing Fees & Prepayment Charges on Car Loan Darjeeling

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 Darjeeling

CIBIL score also known as credit score is what describes your creditworthiness of the past. So, it is an important aspect to consider while availing a car loan in Darjeeling. The CIBIL score required for car loans, according to their own requirements may vary from one lender to another. Most banks or NBFCs accept a CIBIL score of 750 and above to process your car loan application in the city. In case of low CIBIL score, you might also be required to pay a heavy Car Loan Interest Rate on the amount of the car loan.

Car Loan Darjeeling Contact Number

For any queries regarding the Car Loan in Darjeeling, you may contact on the number 9878981166.

Pre Calculated EMI Table for Car Loan Darjeeling

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 Darjeeling

Darjeeling is a town situated in the West Bengal state, in the Himalayan foothills of India. It remains as the terminus of the narrow-gauge Darjeeling Himalayan Railway, or “Toy Train,” in India. It’s famous for the distinctive black tea grown on plantations that dot its surrounding slopes. Its backdrop is Mt. Kanchenjunga, which is among the world’s highest peaks.

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