Car Loan Kekri

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Car Loan Kekri

Best Banks for Car Loan in Kekri


car loan

Car Loan Kekri 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

Everyone loves their family and wants to protect them at all costs, so why put their life in danger by riding a scooter or motorcycle? Car loans are typically provided by banks and non-bank financial institutions (NBFIs) to assist you in realising your ambition of buying a car. A secured car loan comes with a variety of repayment choices. Borrowers can repay the loan in manageable EMIs.

Car Loan Kekri


car loan

Car Loan Kekri 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 Kekri EMI Calculator

Car Loan Kekri 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

Car Loan Kekri Fees and Charges: Leading Banks – May 26 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 Kekri 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 Kekri

  • Choose a minor repayment term – When opposed to more extended plans, shorter payback terms frequently have lower interest rates. Therefore borrowers who wish to save money should choose short-term programmes.
  • Research and compare the perks offered by different lenders – Borrowers must first investigate and evaluate the perks offered by various lenders to receive a decent deal on a car loan. This can assist consumers in determining which lenders offer the lowest interest rates and, as a result, which lender to select.
  • Maintain a modest debt-to-income ratio – The debt-to-income ratio determines how much of a borrower’s income goes toward loan repayment, which lenders consider when setting interest rates. Borrowers with a lower debt-to-income ratio have a greater chance of receiving a car loan with a lower interest rate.
  • Maintain a good credit score — If you have a good credit score, lenders would gladly offer you a car loan with lower interest rates. Lenders prefer applications with a credit score of at least 750 points.

How to Apply for a Car Loan in Kekri?

Applying for a car loan in Kekri with Dialabank is a pretty straightforward process.

  • Visit Dialabank’s official website.
  • On the webpage, select the car loan option.
  • Fill out the form’s mandatory information.
  • Our finance experts will contact you as soon as possible.
  • For any other queries, you can contact us at 9878981166.


car loan

Which Bank in Kekri Offers the Best Car Loans?

In Kekri, lenders such as HDFC, ICICI, and SBI offer various vehicle loan schemes. The most excellent lender for you is one that can supply you with the loan amount you require at the lowest possible interest rate while also delivering the funds as quickly as possible. Therefore, before applying for a vehicle loan that matches your specific set of demands, it’s usually a good idea to compare vehicle loans from various lenders.

Car Loan for Major Car Manufacturers in Kekri

TABLE WILL APPEAR

Processing Fees & Prepayment Charges on Car Loan Kekri

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


car loan

CIBIL Score Required for Car Loan in Kekri

Your CIBIL score represents your creditworthiness and aids banks in determining whether or not to approve or reject your loan application. In addition, with the help of your credit score, they can obtain a glimpse into your debt payback patterns. Lenders frequently prefer borrowers with a CIBIL score of 750 to 900.


car loan

Car Loan Kekri Contact Number

For more information regarding the car loan in Kekri, you can contact us on 9878981166.


car loan

Pre Calculated EMI Table for Car Loan Kekri

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 Kekri

Kekri is a town in Rajasthan’s Ajmer district. It’s around 140 kilometres (87 miles) from Jaipur, the state capital. Ajmer (80 km), Jaipur (130 km), Kota (140 km), Bhilwara (100 km), Deoli (46 km), and Tonk are all within driving distance of Kekri. Pranheda, with its famed temple Pranheda Balaji, is close by.


car loan

Car Loan Banks in Kekri

Bank Bank Address IFSC
BANK OF BARODA KEKRI, AJMER, RAJASTHAN 305404 BARB0KEKRIX
CORPORATION BANK DODIA SADAN, GROUND FLOOR, OPP JAIN PETROL PUMP, AJMER ROAD, KEKRI, AJMER 305405 RAJASTHAN CORP0001666
HDFC BANK HDFC BANK LTD JUNIA GATE, KEKRI DIST-AJMER HDFC0002366
STATE BANK OF INDIA DIST AJMER, RAJASTHAN 305404 SBIN0003628
STATE BANK OF INDIA JUNEA GATE, KEKRI, AJMER DISTRICT, RAJASTHAN305404 SBIN0013944
STATE BANK OF INDIA DISTT AJMER 305404 SBIN0031108
UCO BANK HOTEL AMIT, MAIN AJMER ROADRAJASTHAN 305404 UCBA0002456
AXIS BANK GR FLR, PLOT NO.6, 7 8, WARD NO.1, JOSHI COLONY, AJMER ROAD, KEKRI, RAJASTHAN 305404 UTIB0003727

FAQ’s About Kekri 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 capacity, most banks provide loan terms ranging from a year to seven years.

✅ Is it necessary to have a guarantor for a car loan?

A guarantor is only necessary if you fail to meet at least one of the Bank or NBFC’s qualification criteria.