Car Loan Hirpura

I have read the Privacy Policy & Agree to Terms & Conditions and authorize Dialabank & its partner institutions to Call or SMS me with reference to my application.

Buy your dream Car

Rates as low as 7.05%*
Up to 100% Funding
Doorstep Service
Hassle-free Disbursal
Unbiased Experts Advice

Car Loan Hirpura

Best Banks for Car Loan in Hirpura


car loan

Car Loan Hirpura 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

A car loan is one of the best options that you can avail yourself of to buy your favourite car.

Car Loan Hirpura


car loan

Car Loan Hirpura Eligibility Criteria

The Eligibility Criteria for Car Loan Hirpura are mentioned below:

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

Car Loan Hirpura EMI Calculator

The EMI Calculator for Car Loan Hirpura are mentioned below:

Car Loan Hirpura 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

Car Loan Hirpura Fees and Charges: Leading Banks –

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 Hirpura Documents Required

The Documents Required for a car loan Hirpura are as follows:

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.


car loan

How to Get the Best Car Loan Interest Rates in Hirpura

If you would like to induce a car loan Hirpura in with a very cheap/low-interest rate, follow the steps below:

  • Maintain a modest debt-to-income quantitative relation – The debt-to-income quantitative relation measures what proportion of the applicant’s financial gain goes towards loan compensation, and lenders consider this once setting interest rates. If your debt-to-income quantitative relation is lower, you’ve got a much better probability of obtaining a car loan with the lowest interest rate.
  • Choose a shorter compensation term – several car loan candidates believe that lengthier (equated monthly instalment) is low. they do not appear aware that lenders read lengthier payback terms as a sign of a borrower’s low compensation capabilities so that they charge higher interest rates.
  • Research and also compare the perks offered by totally different lenders – If you would like to induce an honest deal on an automobile loan, you want to1st to explore and compare the advantages offered by totally different lenders. this will assist you to fathom that lenders have the simplest interest rates and, as a result, that investor to settle on.

How to Apply for a Car Loan in Hirpura?

Availing of a car loan in Hirpura is a simple method with DialaBank. Follow the subsequent steps to avail of the simplest offers:

  • Visit our website Dialabank.
  • Click on the auto loan choice accessible within the menu
  • Fill in the details concerning the automobile kind and your financial gain Wait as our relationship manager can presently get connected with you on your provided range.
  • You may conjointly contact our relationship managers on 9878981166 just in case of any queries concerning the loan.
  • To avail of a car loan offline, you’ll have to be compelled to visit the branch in person, which could address feverish for you.


car loan

Which Bank in Hirpura Offers the Best Car Loans?

Everyone can’t manage a huge amount of cash at the same point in time to buy a car, so in these situations, a Car Loan can be availed. Many massive banks and NBFCs and HDFC, ICICI, and SBI supply vehicle loans in urban centres. the best investor will give you the loan quantity you wish at an affordable rate of interest and distribute the funds as quickly as possible. it’s continually a decent plan to check vehicle loans from several lenders before applying for one that meets all of your desires, like interest rates.

Car Loan for Major Car Manufacturers in Hirpura

TABLE WILL APPEAR

Processing Fees / Prepayment Charges on Car Loan Hirpura

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


car loan

CIBIL Score Required for Car Loan in Hirpura

The CIBIL score is mentioned as what defines your ability to pay off your credits. a better Credit score means smart credit history and makes your Car Loan application method sleek and straightforward to be processed. Mostly, banks and NBFCs think about a credit score of 750 and higher than a decent score to approve your application method in Hirpura.

Thus, a CIBIL score is crucial to consider a Car Loan.


car loan

Car Loan Hirpura Contact Number

To know more about the car loan in Hirpura, you can call us on 9878981166. Our employees can guide you at every phase.


car loan

Pre Calculated EMI Table for Car Loan Hirpura

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 Hirpura

Hirpura is a village in Gujarat state. Hirpura falls under the district of Mahesana. If you would like to want a car loan Hirpura, visit our website and acquire the loan at an affordable rate of interest.


car loan

FAQ’s About Hirpura Car Loan

How much is that the minimum deposit on a car?

When you take a loan, some banks can expect you to pay a particular portion (usually five-hitter to 15%) of the automobile price to the dealer before they unharness the personal loan. this can be known as a deposit.

✅ Would I like a checking account for an automobile loan?

Yes, you’ll get a personal loan with dangerous credit and no checking account. Special finance lenders care about several things and your job, financial gain, and revenant debt levels, however not your banking activity.

Is it sensible to shut the Car Loan early?

You may wish to avoid the long compensation tenure by paying off the loan early. However, if the penalty quantity is much over the interest charges, it’s not a decent plan to proceed with the pre-closure. In reality, pre-closing a car loan is probably going to own little impact on your credit score.