Best Banks for Car Loan in Keshopur
⍟ Loan Approval in 30 Minutes Every one of us wishes to have an automobile of our own. However, the price prevents us from purchasing the car of our dreams. A car loan is a lifesaver for people who want to realise their goal of owning a vehicle. It’s a no-hassle loan with immediate funds and a simple application process.
7.35% per annum A variety of lenders in Keshopur offer auto loans at various interest rates, but they are all sensible and competitive. Follow the procedures below if you wish to secure a car loan in Keshopur with a reduced interest rate: Dialabank makes obtaining a car loan Keshopur is simple. To take advantage of the best deals, follow these steps: In Keshopur, large institutions such as HDFC, Private, and SBI offer vehicle loans. A good lender will be able to give you the loan amount you require at the lowest feasible interest rate and will be able to disburse the funds as quickly as possible. Before applying for a vehicle loan that fulfils all of his criteria, such as interest rates, a borrower should constantly evaluate vehicle loans from a variety of lenders. TABLE WILL APPEAR Your ability to repay your debts is determined by your CIBIL score. Your vehicle loan application will be simple and easy to process if you have a good credit score. Most reputable lenders in Keshopur consider a credit score of 750 or above to be a decent score when approving your loan application. In case of any queries regarding car loan Keshopur, you may contact on the number 9878981166 for any assistance. Keshopur is a village in the Gurdaspur Tehsil of Punjab’s Gurdaspur District. It is 7 kilometres north of the district headquarters in Gurdaspur. Gurdaspur is 6 kilometres away. Chandigarh, the state capital, is 232 kilometres away. The postal head office for Keshopur is Gurdaspur, and the pin code is 143521. Car loans can be used to purchase a variety of passenger vehicles, such as SUVs (Sport Utility Vehicles), MUVs (Multi Utility Vehicles), and other models.
Car Loan Keshopur Features
⍟ 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
Car Loan Keshopur Eligibility Criteria
Salaried Individual
Net Monthly Income – Minimum ₹ 20,000
Employment Duration – 1-year minimum
Income Eligibility – Based on Form 16 and salary slip
Self-Employed Individuals
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)
Employment Duration – 3 years minimum
The applicant has to present IT returns and audited financials of 2 years with Calculated Income.
Priority Customers
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 Keshopur EMI Calculator
Car Loan Ahewada Fees & Charges
Charges
New Car Loan
Used Car Loan
Interest Rate
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 Keshopur Fees and Charges: Leading Banks – Jun 04 2023
Bank
Processing Fee
HDFC Bank Car Loan
(1999 - 4999) + Tax
Axis Bank Car Loan
1 % to 2.50%
Nil
Private Bank Car Loan
0.25% to 1.50%
SBI Car Loan
500/- to 0.50%
Nil
Kotak Car Loan
1% to 2%
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 Keshopur Documents Required
Salaried Individual
Category
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)
Birth Certificate
High School Marksheet
Driving Licence
Signature Proof(Any 1)
Bankers Verification
Passport
Income Proof
Bank Statement
Employment Continuity Proof
ITR of Form no. 16
Salary Slip mentioned with joining date
Letter of Appointment
Self-Employed Individuals
Category
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)
Bankers Verification
Passport
Bank Statement
Employment Continuity Proof
Shop & Establishment Act Certificate
Shop & Establishment Act Certificate
Sales Tax or VAT Certificate
Business Proof
Telephone Bill/Electricity Bill
Shop & Establishment Act Certificate
SSI or MSME Registration Certificate
Self-Employed Non-Individuals:
1. Partnership Firms/Societies
Category
Identity Proof (Any 1)
Driving Licence
PAN Card
Aadhar Card
Passport
Address Proof (Any 1)
Aadhar Card
Driving License
Voter ID
Income Proof
P&L Account
ITR for the previous 2 years
Bank Statement
Last 6 month
Business Continuity Proof
Audited Balance Sheet
TAX registration Certificate
Current Account Statement
Additional documents
2. Private Limited/Limited Companies
Category
Identity Proof
Copy of Incorporation
Address Proof (Any 1)
Telephone Bill
Electricity Bill
Shop & Establishment Act Certificate
Sales Tax Certificate
Income Proof
P&L Account and ITR for the previous 2 years
Bank Statement
Previous 6 Months
Business Continuity Proof
ITR of the Company of the past 2 years
Audited Balance Sheet
Shop & Establishment Act Certificate
Additional documents
Board Resolution
PAN Card
Certificate of Commencement of Business for Ltd. Co.
How to Get the Best Car Loan Interest Rates in Keshopur
How to Apply for a Car Loan in Keshopur?
Which Bank in Keshopur Offers the Best Car Loans?
Car Loan for Major Car Manufacturers in Keshopur
Processing Fees / Prepayment Charges on Car Loan Keshopur
Category
Details
Processing Charges
Prepayment
Preclosure
Stamp Duty
Cheque Bounce Chgs
Floating Rate of Interest
Not Applicable
Overdue EMI Interest
Amortisation Schedule Chgs
Rs 200 + GST
CIBIL Score Required for Car Loan in Keshopur
Car Loan Keshopur Contact Number
Pre Calculated EMI Table for Car Loan Keshopur
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 Keshopur
Car Loan Banks in Keshopur
Bank
Bank Address
IFSC
ALLAHABAD BANK
ALLAHABAD BANK, VILL KESHOPURE, P.O AND BLOCK JAMALPUR, DIST MONGER, BIHAR, PIN 811214
ALLA0211477
HDFC BANK
HDFC BANK LTD AT POST KESHOPUR NH 28 BLOCK SAKRA MUZAFFARPUR BIHAR 843104
HDFC0009258
YES BANK
KESHOPUR MANDI, APMC BUILDING, ADM. BLOCK CH. CHET RAM SABJI MANDI, OUTER RING RD, KESHOPUR, DELHI-18
YESB0DSC028
FAQ’s About Keshopur Car Loan
✅ What kinds of automobiles can I get a Car Loan for?
✅ Is it necessary to have a guarantor for a car loan?
Most lenders will not require a guarantor in order to obtain a car loan. If your income falls below the statutory minimum, however, lenders may demand you to provide a guarantee or co-applicant to show that you will be able to repay the loan.✅ Where can I find a vehicle loan interest calculator?
You can use the EMI calculator on Dialabank’s or the lending bank’s website.