Car Loan Kaushambi

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Car Loan Kaushambi

Best Banks for Car Loan in Kaushambi


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Car Loan Kaushambi 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 need to upgrade? Do you want to give your loved one an automobile as a present? You don’t want it to have an impact on your budget? Don’t worry, Dialabank will take care of everything for you. With Dialabank, you may acquire a loan in a matter of minutes, with minimal paperwork and low-interest rates. Our relationship managers will walk you through every procedure stage and provide you with the necessary papers.

Car Loan Kaushambi


car loan

Car Loan Kaushambi 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


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Car Loan Kaushambi EMI Calculator

Car Loan Kaushambi 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


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Car Loan Kaushambi Fees and Charges: Leading Banks – May 21 2022

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 Kaushambi 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.


car loan

How to Get the Best Car Loan Interest Rates in Kaushambi

In Kaushambi, various lenders offer automobile loans with varied interest rates, although they are all reasonably affordable. To receive the best vehicle loan interest rates in Kaushambi, follow the steps outlined below.

  • Choose a shorter repayment term – Because the monthly EMI on a car loan is modest, many applicants assume that longer payback terms are better. 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. If you want to save money on your car loan, consider a shorter payment period.
  • Research and compare the perks offered by different lenders – Borrowers must first explore and compare the benefits offered by different lenders before applying for a car loan. This can help them determine which lenders have the best interest rates and which plan suits them the best.
  • Maintain a low debt-to-income ratio – If a significant part of your income isn’t going towards paying off an existing loan, your chances of bagging a new loan increase.
  • Maintain a good credit score — Your chances of getting a new loan increase if a large portion of your income isn’t going toward paying off an existing loan.

How to Apply for a Car Loan in Kaushambi?

  • Visit the Dialabank website.
  • Select the car loan option from the loan section.
  • Fill in all of the required fields with your data.
  • You will receive a call from one of our professionals in a few minutes.
  • Then you can begin the loan application process.

Which Bank in Kaushambi Offers the Best Car Loans?

Vehicle loans are available in Kaushambi from various large banks and NBFCs, including HDFC, ICICI, and SBI. Therefore, before applying for a vehicle loan that matches all of his individual needs, a wise applicant should compare vehicle loans from all of these providers.

Car Loan for Major Car Manufacturers in Kaushambi

TABLE WILL APPEAR

Processing Fees & Prepayment Charges on Car Loan Kaushambi

The processing Fees and Prepayment charges on an auto loan are: –

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


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CIBIL Score Required for Car Loan in Kaushambi

When it comes to getting a loan, your CIBIL score is always important. A good CIBIL score is always between 700 and 900. If the applicant has a CIBIL score of 750 or more, the loan will be approved swiftly. On the other hand, if your CIBIL score is below 700, you may be charged a higher interest rate on your loan.


car loan

Car Loan Kaushambi Contact Number

To get instant help and any more queries For a Car Loan Kaushambi, you can call 9878981166.


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Pre Calculated EMI Table for Car Loan Kaushambi

check here of Pre calculated EMI table for a car loan.

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

About Kaushambi

On April 4, 1997, the present-day Kaushambi district was created from the Allahabad district. Manjhanpur, the district headquarters, is located 55 kilometres south of Allahabad, on the north bank of the Yamuna River. Chitrakoot is in the southern part, Pratapgarh is in the north, Fatehpur in the west and Allahabad in the east.


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Car Loan Banks in Kaushambi

Bank Bank Name IFSC
ALLAHABAD BANK VILL. MAHEWAGHAT, P.O. SHAHPUR DIST. KAUSHAMBI UTTAR PRADESH 251318 ALLA0211445
ALLAHABAD BANK C 32,SECTOR14,KAUSHAMBI.DISTT.GHAZIABAD UP ALLA0212896
BANK OF BARODA VILL ASHADHA,PO VAISHYAKATI,KAUSHAMBI DT,UTTAR PRADESH 212206 BARB0ASHADH
BANK OF BARODA VILL BAIRAGIPUR,PO SHAHPUR,KAUSHAMBI DT,UTTAR PRADESH 212207 BARB0BAIRAA
BANK OF BARODA VILLAGE & POST BINDAW, KAUSHAMBI, UP 212206. BARB0BINDAW
BANK OF BARODA CHAURADIH,PO JALALPURTHANACHAIL,KAUSHAMBI DT,UTTAR PRADESH – 212202. BARB0CHAURA
BANK OF BARODA CHITAPUR,KAUSHAMBI DT,UTTAR PRADESH 221503 BARB0CHIKAU
BANK OF BARODA VILL GULAMIPUR,PO GANPA,KAUSHAMBI,UTTAR PRADESH 212217 BARB0GULAMI
BANK OF BARODA KANPUR ROAD,POSIKANDARPUR,BAJHA,KAUSHAMBI,UP 212213 BARB0IMAMGA
BANK OF BARODA KAUSHAMBI BRANCH,D-43 KAUSHAMBI,GHAZIABAD,201010 BARB0KAUMOR
BANK OF BARODA KAUSHAMBI BLOCK OFFICE, DIST.KAUSHAMBI,UTTAR PRADESH – 212 216. BARB0KAUSHA
BANK OF BARODA MOHAMMADPUR,KAUSHAMBI,UTTAR PRADESH 212208 BARB0MOHKAU
BANK OF BARODA VILL.& P.O.NEWADA, DIST.KAUSHAMBI, UTTAR PRADESH – 212 212. BARB0NEWADA
BANK OF BARODA VILL & PO OSACHAURAHA,KAUSHAMBI,UTTAR PRADESH 221013 BARB0OSACHA
BANK OF BARODA VILL KOLIHA,PO SAYEDSERWAN,KAUSHAMBI,UTTAR PRADESH 212213 BARB0RASKOI
CENTRAL BANK OF INDIA MAHALAXMI TOWER, PLOT NO. 1 GF SHOP NO. 1, 2, 3 & 4, SECTOR 14, KAUSHAMBI, UTTAR PRADESH 201012 CBIN0285097
CORPORATION BANK PLOT NO. 20, SECTOR 14, MILAN BUSINESS SPACE, KAUSHAMBI, GHAZIABAD, UTTAR PRADESH-201010. CORP0001249
CORPORATION BANK NEAR TEHSIL MAIN ROAD CHAIL DIST KAUSHAMBI UP 212202 CORP0003536
HDFC BANK HDFC BANK LTD BUILDING NO. 21, GHAZIABAD, UTTAR PRADESH 201001 HDFC0002653
INDIAN BANK MAHALUXMI TOWERSPLOT NO. C-1 SECTOR-14KAUSHAMBIMAHARAJPUR GHAZIABAD UTTAR PRADESH-201010 IDIB000K231
INDIAN OVERSEAS BANK PLOT NO H1, GROUND FLOOR, SHOPPRIX MALL, KAUSHAMBI, GHAZIABAD PIN 201010 IOBA0002387
ORIENTAL BANK OF COMMERCE SIRATHU ROAD, CHAK NAGAR, MANJHANPUR, DIST-KAUSHAMBI-212207. ORBC0102095
PUNJAB AND SIND BANK SHOP NO 14A AND 12, SHIPRA AZURE ARCADE NEAR WAVE CINEMAS, KAUSHAMBI, GHAZIABAD 210010 PSIB0021226
STATE BANK OF INDIA DISTKAUSHAMBI UTTAR PRADESH 212207 SBIN0001118
STATE BANK OF INDIA DISTKAUSHAMBI UTTAR PRADESH 212217 SBIN0001866
STATE BANK OF INDIA STATEBANKOFINDIATEWAMANJHANPUR SBIN0009246
STATE BANK OF INDIA BHARWARI, DISTT. KAUSHAMBI, UTTAR PRADESH 212201 SBIN0009556
STATE BANK OF INDIA STATEBANKOFINDIAUP SBIN0009557
STATE BANK OF INDIA FAKIRABAD CHAURAHA,DISTKAUSHAMBI211016 SBIN0012494
STATE BANK OF INDIA PASCHIM SHARIRA,DISTKAUSHAMBI212214 SBIN0012495
STATE BANK OF INDIA C BY O SMT GEETA DEVI W BY O SRI RUPENDRA SINGH, G T ROAD, P O MURAT GANJ, DISTT KAUSHAMBI SBIN0014935
STATE BANK OF INDIA C BY O SRI PRADEEP KUMAR, NETANAGAR, OPP ALLAMA JAWADI GIRLS INTER COLLEGE, P O KARARI, DISTT KAUSHAMBI SBIN0014936
UNION BANK OF INDIA HAJRATGANJ OSHA KARARI ROAD, MANJHANPUR DIST. KAUSHAMBI UBIN0559326
UNION BANK OF INDIA RIZVI INSTITUTE OF ENG MANJHANPUR KAUSHAMBI UTTAR PRADESH 212206 UBIN0566365
UNION BANK OF INDIA POST OFFICE BHARWARI KAUSHAMBI DISTRICT UTTAR PRADESH PINCODE 212201 UBIN0572721
UTKARSH SMALL FINANCE BANK WARD NO.10,INDIRA NAGAR,NAYA BAZAR,BHARWARI,DISTRICT – KAUSHAMBI,STATE – UTTAR PRADESH,PIN CODE 212201 UTKS0001075

FAQ’s About Kaushambi Car Loan

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

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 car loan Kaushambi terms?

Most banks offer loan terms ranging from a year to seven years, depending on the loan amount and the client’s repayment capacity.

✅ Is a guarantor obligatory for a car loan?

A guarantor is required just on the off chance that you can’t meet at least one of the qualification measures indicated by the Bank or NBFC.