Car Loan Kalayat

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Rates as low as 8.50%*
Up to 100% Funding
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Best Banks for Car Loan in Kalayat

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 Kalayat Features car loan kalayat

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Purchasing a car from your pocket is a difficult task, but there is a saying if all of the doors are shut there is always a ray of hope. Thus, Car Financing is the best way to get cash in a short time. It is a better way to arrange funds to buy the dream car with ease.

We offer car loans starting at an attractive rate of interest to both self-employed as well as salaried applicants. We provide car loans on new and used cars.

Some key features of car loan in Kalayat are the following:

  • Easy monthly repayment options are accessible for you.
  • Instantly car loan available
  • Loan Tenure duration ranges from 1-7 years
  • There is a provision of an affordable rate of interest provides to fulfill your desires.
  • There are no hidden or additional charges

Car Loan Kalayat Interest Rates

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
1%
Nil
Andhra Bank Car Loan
Nil
Nil

 

To check Personal Loan Interest Rate for all major banks you can visit: Car Loan Interest Rates

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Car Loan Kalayat Documents Required

For Salaried Individuals:

  1. Proof of Self: Passport copy, PAN Card, Voters ID card, Driving License
  2. Salary Proof: Latest 3-month salary slip with form 16
  3. Accommodation Proof: Ration card / Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill / Life Insurance Policy /PAN Card
  4. Bank Statement: Last 6 months.

For Self Employed Individuals:

  1. Self Proof: Passport copy, PAN Card, Voters ID card, Driving License
  2. Earning Proof: Latest ITR
  3. House Proof(anyone): Ration card/ Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill / Life Insurance Policy /PAN Card
  4. Bank Statement: Last 6 months.

Car Loan Kalayat Eligibility Criteria

For Salaried Applicants

  1. Minimum age: 21 years
  2. Maximum age at loan maturity: 65 years
  3. Minimum employment: 1 year in recent employment and a minimum of 2 years of employment
  4. Minimum Annual Income: Rs.100000 net annual income

For Self-Employed Applicants

  1. Minimum age: 21 years
  2. Maximum age at loan maturity: 65 years
  3. Minimum employment: At least 3 years in business
  4. Minimum Annual Income: Profit of Rs. 60000 per annum for standard cars and for mid-sized and premium cars Rs.100000 per annum

Car Loan for Major Car Manufacturers in Kalayat

TABLE WILL APPEAR

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Processing Fees / Prepayment Charges on Car Loan in Kalayat

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 Kalayat

CIBIL score reflects your credit history in the past and for your defaults in repayment of your previous loans. A good credit score is taken as 750 and above as most of the financial institutions ask for a high credit score. Every bank and NBFC has different criteria for a minimum CIBIL score they require to process your Car Loan Kalayat. A Lower CIBIL score than 750 can afford a higher rate of interest.

A very low CIBIL score can lead to disapproval of your loan as it is the first thing a bank tracks before processing your loan. Your history of previous loans is taken into consideration for a car loan. If there are any delay payments for previous loans, it will create a barrier for the availing of a new loan.

Car Loan Kalayat Agent Contact Number

Apply online with Dialabank and avail the best deals and offers on a car loan with instant approval and extra features or you can call on this number for any queries regarding car loan in Kalayat 9878981166.

Our customer care executive offers you guidance and assistance to solve your queries.

Pre Calculated EMI Table for Car Loan Kalayat

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

Car Loan EMI Calculator Kalayat

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About Kalayat

Kalayat is a beautiful city and municipal committee in the Kaithal district of Haryana state, India. It is a historical town known as Kapilayat and Kapilayatana in the past that named after the Vedic sage Kapil Muni.

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