Car Loan Jansui

Best Banks for Car Loan in Jansui

Car Loan Jansui 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 realise your goal of owning a car? But what if you don’t have enough money to buy one? Don’t be concerned. Dialabank financial services assist consumers in comparing, analysing, and selecting the best loan available. A vehicle loan is a form of financial assistance provided by banks and non-bank financial institutions (NBFCs) to help borrowers realise their desire of owning a car. A car loan is a secured loan that uses the vehicle as security. The loan amount is offered at varying interest rates depending on the bank and the plan.

Car Loan Jansui 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 Jansui EMI Calculator

Car Loan Jansui 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 Jansui Fees and Charges: Leading Banks – May 29 2023

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 Jansui 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 Jansui

In Jansui, many lenders offer automobile loans at various interest rates, but they are all reasonably priced. To obtain the best vehicle loan interest rates in Jansui, follow the steps outlined below.

Choose a shorter repayment term – Applicants for car loans are frequently misled into believing that longer repayment terms are better because the monthly EMIs are lower. Lenders see extended repayment terms as a sign of a borrower’s poor repayment ability. Thus they charge a greater interest rate on lengthier loans than on short-term loans. Consider a short repayments period if you want to save some money on your car loan.
Research and compare the perks offered by different lenders – Before applying for a car loan, all borrowers must first investigate and compare the bonuses given by various lenders. This can assist consumers in determining which lenders offer the most significant interest rates and which plan best meets their needs.
Maintain a low debt-to-income ratio – If you aren’t currently paying off an old loan with a large portion of your monthly income, your chances of getting a new loan increase dramatically.
Maintain a good credit score — If you have a credit score of 750 or higher, lenders will be happy to provide you with a car loan with lower interest rates because it demonstrates that you have made regular repayments on past loans.

How to Apply for a Car Loan in Jansui?

Visit our website Dialabank from your browser.
Go to the website for car loans.
You will be sent to a form where you must complete all of your information.
For Car Loan Jansui Details Our experts will contact you as soon as possible.
For more information, you can contact us at 9878981166.

Which Bank in Jansui Offers the Best Car Loans?

Vehicle loans are available in Jansui from several large banks and NBFCs, including HDFC, Private, and SBI. Borrowers should compare vehicle loans from all lenders before applying for the one that best suits their needs.

Car Loan for Major Car Manufacturers in Jansui

TABLE WILL APPEAR

Processing Fees & Prepayment Charges on Car Loan Jansui

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 Jansui

Before processing your loan application, banks look at your CIBIL score. You can also check your CIBIL score on the CIBIL website to learn how to improve your CIBIL score, save money on loan rates, and possibly receive a better offer from the banks. A decent CIBIL score is often between 750 and 900.

Car Loan Jansui Contact Number

You can get a car loan from Jansui easily from Dialabank by contacting the number 9878981166.

Pre Calculated EMI Table for Car Loan Jansui

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 Jansui

The location code or village code of Jansui village is 057481, according to Census 2011 information. Jansui is a village in Haryana’s Ambala Tehsil, which is part of the Ambala district. Jansui hamlet is located 21 kilometres from Ambala, the district and sub-district headquarters. Jansui village is a gramme panchayat, according to 2009 statistics.

FAQ’s About Jansui Car Loan

✅ Is it possible to negotiate the interest rate on a car loan?

The interest rate on a car loan can be negotiated based on your FICO score, credit history, and previous relationships with the lender.

✅ What are the most common vehicle loan terms?

Depending on the loan amount and the client’s repayment capabilities, most banks offer loans with terms ranging from a year to seven years.

✅ What are the most prevalent terms used in car loans?

Most banks offer loans with durations ranging from a year to seven years, depending on the loan amount and the client’s repayment ability.

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