Car Loan Karimganj

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Car Loan Karimganj

Best Banks for Car Loan in Karimganj

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 Karimganj Features

car loan karimganjSave your time. No frequent visits to any bank. just visit the Dialabank website. We will assist you in getting the Best Car Loan to buy your dream car. The Best Car Loan according to your needs will knock at your door. Avail your Car Loan without any hectic procedure and cherish your life with the thrilling and breathtaking ride of your dream car.

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

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

  • Easy monthly repayment options are available for you.
  • Instantly car loan available
  • Loan Tenure period varies from 1-7 years
  • There is a provision of affordable interest rates offers to fulfill your desires.
  • There are no hidden or additional charges

Car Loan Karimganj 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 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

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Car Loan Karimganj Documents Required

Documents required for car loan are as followed:

For Salaried Individuals:

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

For Self Employed Individuals:

  1. Identification Proof: Passport copy, PAN Card, Voters ID card, Driving License
  2. Income Proof: Latest ITR
  3. Address 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.
  5. Passport size photographs: 2

Car Loan Karimganj Eligibility Criteria

The eligibility criteria for car loan requirements are as followed in Karimganj:

For Salaried Applicants

  1. Minimum age: 21 years
  2. Maximum age at loan maturity: 65 years
  3. Minimum employment: 1 year in current employment and a minimum of 2 years of employment
  4. Minimum Annual Income: Rs.300000 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: Net profit Rs. 60000 per annum for standard cars and Rs.100000 per annum for mid-sized and premium cars

Car Loan for Major Car Manufacturers in Karimganj

TABLE WILL APPEAR

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Processing Fees / Prepayment Charges on Car Loan in Karimganj

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 Karimganj

CIBIL score plays a key role while getting the loan. if your CIBIL score is between 750-900. then you will get instant car loan approval. if the Cibil score is less than 700 then your car loan application will be pending. so, check your CIBIL score before you apply for the car loan. if you pay your EMIs in time then your CIBIL score will be increased. if you do not repay Your EMI your Cibil score will be reduced. the applicant has to pay monthly EMIs according to there schedule of the bank.

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

Car Loan Karimganj Agent Contact Number

For instant help and any more queries about the car loan, you can call 9878981166.

Pre Calculated EMI Table for Car Loan Karimganj

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 Karimganj

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About Karimganj

Karimganj is a city in Karimganj district located in the Indian states of Assam. This is an important trade center for the northeastern. It occupies an area of 16.09 square kilometers.

As per the 2011 census, it had a population of 56,854.

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