Best Banks for Car Loan in Jangipur
Car Loan Jangipur 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
Do you want to get a vehicle loan in Jangipur? Then you’ve arrived at the perfect spot! You can compare interest rates, processing expenses, loan tenures, and even get approval or estimations in as little as 30 minutes with Dialabank. We can also assist you in determining your eligibility for a car loan and offer you information on the best banks and loans in Jangipur.
Car Loan Jangipur Eligibility Criteria
Salaried Individual
Net Monthly Income – Minimum ₹ 20,000
Employment Duration – 1-year minimum
Income Eligibility – Based on Form 16 and salary slip
Self-Employed Individuals
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)
Employment Duration – 3 years minimum
The applicant has to present IT returns and audited financials of 2 years with Calculated Income.
Priority Customers
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 Jangipur EMI Calculator
Car Loan Jangipur Fees & Charges
7.35% per annum
Charges
New Car Loan
Used Car Loan
Interest Rate
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 Jangipur Fees and Charges: Leading Banks – Sep 26 2023
Bank
Processing Fee
HDFC Bank Car Loan
(1999 - 4999) + Tax
Axis Bank Car Loan
1 % to 2.50%
Nil
Private Bank Car Loan
0.25% to 1.50%
SBI Car Loan
500/- to 0.50%
Nil
Kotak Car Loan
1% to 2%
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 Jangipur Documents Required
Salaried Individual
Category
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)
Birth Certificate
High School Marksheet
Driving Licence
Signature Proof(Any 1)
Bankers Verification
Passport
Income Proof
Bank Statement
Employment Continuity Proof
ITR of Form no. 16
Salary Slip mentioned with joining date
Letter of Appointment
Self-Employed Individuals
Category
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)
Bankers Verification
Passport
Bank Statement
Employment Continuity Proof
Shop & Establishment Act Certificate
Shop & Establishment Act Certificate
Sales Tax or VAT Certificate
Business Proof
Telephone Bill/Electricity Bill
Shop & Establishment Act Certificate
SSI or MSME Registration Certificate
Self-Employed Non-Individuals:
1. Partnership Firms/Societies
Category
Identity Proof (Any 1)
Driving Licence
PAN Card
Aadhar Card
Passport
Address Proof (Any 1)
Aadhar Card
Driving License
Voter ID
Income Proof
P&L Account
ITR for the previous 2 years
Bank Statement
Last 6 month
Business Continuity Proof
Audited Balance Sheet
TAX registration Certificate
Current Account Statement
Additional documents
2. Private Limited/Limited Companies
Category
Identity Proof
Copy of Incorporation
Address Proof (Any 1)
Telephone Bill
Electricity Bill
Shop & Establishment Act Certificate
Sales Tax Certificate
Income Proof
P&L Account and ITR for the previous 2 years
Bank Statement
Previous 6 Months
Business Continuity Proof
ITR of the Company of the past 2 years
Audited Balance Sheet
Shop & Establishment Act Certificate
Additional documents
Board Resolution
PAN Card
Certificate of Commencement of Business for Ltd. Co.
How to Get the Best Car Loan Interest Rates in Jangipur
Get the best car loan Jangipur by following the procedures outlined below:-
- Choose a Shorter Repayment Term – Many borrowers are under the mistaken assumption that longer loan terms are preferable. As a result, they end up paying highly high interest rates throughout the loan. Apply for a shorter loan if you wish to save money.
- Research and Compare the Perks offered by different Lenders – To find the most acceptable lender for his circumstances, a borrower must adequately analyse all available options.
- Maintain a modest Debt-To-Income Ratio – The debt-to-income ratio is used to determine how much of an applicant’s income is used to repay an older loan. Your chances of securing a new loan are better if you have a low debt-to-income ratio.
- Maintain a good Credit Score – A credit score of 750 or more is regarded as suitable, and having a good credit score improves a borrower’s chances of securing a loan.
How to Apply for a Car Loan in Jangipur?
Dialabank makes getting a car loan in Jangipur a simple process. For a smooth loan approval process, choose the choices listed below: –
- Visit our website Dialabank.
- On the webpage, select the car loan option.
- On the car loan application, fill in the essential fields.
- Our relationship managers will contact you as soon as possible at the phone number you provided.
- You may also contact us at 9878981166 in case of any queries regarding the loan.
Which Bank in Jangipur Offers the Best Car Loans?
In Jangipur, reputable lenders such as HDFC, Muthoot, and CitiBank offer various vehicle loans. In addition, you can discover a lender through Dialabank who can give you the loan amount you require at the lowest feasible interest rate and disburse the funds as quickly as possible.
Car Loan for Major Car Manufacturers in Jangipur
TABLE WILL APPEAR
Processing Fees / Prepayment Charges on Car Loan Jangipur
Category
Details
Processing Charges
Prepayment
Preclosure
Stamp Duty
Cheque Bounce Chgs
Floating Rate of Interest
Not Applicable
Overdue EMI Interest
Amortisation Schedule Chgs
Rs 200 + GST
CIBIL Score Required for Car Loan in Jangipur
The CIBIL score is a credit score that determines your capacity to repay your debt on time. To approve your loan application procedure in Jangipur, most banks and NBFCs require a credit score of at least 750.
Car Loan Jangipur Contact Number
In case of any queries related to car loans in Jangipur, you can contact us on 9878981166 for assistance.
Pre Calculated EMI Table for Car Loan Jangipur
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 Jangipur
Jangipur is a municipality and a city in the Murshidabad district of West Bengal, India. It serves as the administrative centre for the Jangipur subdivision. It is located on the Bhagirathi River’s banks. The Mughal emperor Jahangir is supposed to have founded the city, which is also known as Jahangirpur.
Car Loan Banks in Jangipur
| Bank | Bank Address | IFSC |
| ALLAHABAD BANK | ALLAHABAD BANK DEVKHATHIYA, AT P.O. JANGIPUR DISTT. GHAZIPUR, UP 221003 | ALLA0213177 |
| HDFC BANK | VILL GOPAL NAGAR, RAGHUNATHGANJ, JANGIPUR, DIST. MURSHIDABAD, JANGIPUR WEST BENGAL 742225 | HDFC0002420 |
| HDFC BANK | HDFC BANK LTD GROUND FLOOR HOUSE NO 113 WARD NO 11 GANDHI NAGAR JANGIPUR GHAZIPUR UTTAR PRADESH 233305 | HDFC0009054 |
| IDBI BANK | PLOT NO-526, VILLAGE-BASUDEVPUR, RAGUNATHGANJ, JANGIPUR, OPP OF RAGUNATHGANJ BUS STAND, MURSHIDABAD PIN-742225, WD | IBKL0001059 |
| Private BANK LIMITED | Private BANK LTD., NEAR BUS STAND, OPP.ASHA DEEP NURSING HOME, RAGHUNATHGANJ, JANGIPUR – 742225, MURSHIDABAD DIST., WEST BENGAL | ICIC0002015 |
| INDIAN BANK | LALGOLA MAHARAJA ROAD,RAGHUNATHGANJ | IDIB000J039 |
| STATE BANK OF INDIA | DIST MURSHIDABAD, WB 742225 | SBIN0000098 |
| STATE BANK OF INDIA | DIST GHAZIPUR, UTTAR PRADESH 233 001 | SBIN0006914 |
| STATE BANK OF INDIA | JANGIPUR 742213, MURSHIDABAD DISTRICT, WEST BENGAL | SBIN0013444 |
| SYNDICATE BANK | SANAI LODGE, GROUND FLOOR, VILL-GOPAL NAGAR, RAGHUNATHGANJ MURSHIDABAD DIST.PIN-742225 | SYNB0009566 |
| UNION BANK OF INDIA | AT & POST JANGIPUR, BIRNO,DIST. GHAZIPUR, UTTAR PRADESH,PIN – 233 305. | UBIN0530484 |
| UNION BANK OF INDIA | BIDHAN BHAVAN MACKENJEE PARK RAGHUNATHGANJ DIST MURSHIDABAD | UBIN0562319 |
| UNITED BANK OF INDIA | JANGIPUR,MURSHIDABAD | UTBI0JNPF69 |
| THE WEST BENGAL STATE COOPERATIVE BANK | JANGIPUR, P.O. RAGHUNATHGANJ, 742 225 | WBSC0MCCB06 |
FAQ’s About Jangipur Car Loan
✅ What are my choices for repaying my auto loan in Jangipur?
Three possibilities for repaying your loan are Standing Instructions, Post-Dated Cheques, and Electronic Clearing House (ECS). Again, you can work with your local bank to determine which choice is best for you.
✅ Is it necessary to have a guarantor for a car loan?
Most lenders inJangipur will not require a guarantor to obtain a car loan. However, if your income falls below the lender’s minimum requirements, you may need the assistance of a guarantor.
✅ Where can I find a vehicle loan interest calculator?
The EMI calculator on the Dialabank website or the lending bank’s website can be used. Enter your plan’s interest rate to calculate the EMIs. Borrowers may find out their interest rate by filling out a loan application, which will ask for basic information like their salary, business, and job experience.
