Car Loan Khairahniya Beerpur

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Car Loan Khairahniya Beerpur

Best Banks for Car Loan in Khairahniya Beerpur

Feature
HDFC Bank
ICICI Bank
Kotak Mahindra Bank
Interest Rate (p.a.)
7.35 - 7.95%
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


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Car Loan Khairahniya Beerpur 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

Car Loan in Khairahniya Beerpur


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Car Loan Khairahniya Beerpur 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 Khairahniya Beerpur EMI Calculator

Car Loan Khairahniya Beerpur 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 Khairahniya Beerpur fees: Leading Banks – May 20 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


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Car Loan Khairahniya Beerpur 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 Khairahniya Beerpur

Varied lenders in Khairahniya Beerpur offer different interest rates on auto loans, but they are all sensible and competitive. Follow the steps below to secure a car loan in Khairahniya Beerpur with the lowest interest rate:

  • Choose a shorter repayment term – Because the monthly EMI (equivalent monthly instalment) is cheap, many vehicle loans in Khairahniya Beerpur applicants assume that longer repayment terms are better. They don’t appear to realise that lenders in Khairahniya Beerpur see longer payback terms as a sign of a borrower’s poor repayment ability. Therefore they charge higher interest rates. Consider a shorter payment time if you want to save money on your car loan.
  • Research and compare the perks offered by different lenders – If you want to receive a good bargain on an auto loan in Khairahniya Beerpur, you should first look into and evaluate the different lenders’ features. This can assist you in determining which lenders in Khairahniya Beerpur 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 calculates how much of the Khairahniya Beerpur applicant’s income goes toward loan repayment, and lenders use it to determine interest rates. If your debt-to-income ratio is lower, you have a higher chance of securing a car loan in Khairahniya Beerpur with a lower interest rate.
  • Maintain a good credit score — If you have a strong credit score, lenders would gladly provide you with a car loan with lower interest rates. A credit score of 750 or more is considered good by lenders in Khairahniya Beerpur. People with bad credit may get auto loans in Khairahniya Beerpur, but they will have to pay a higher interest rate. To ensure a decent credit score for a loan in Khairahniya Beerpur, check your credit scores regularly with Dialabank’s “Free Credit Score” service.

How to Apply for a Car Loan in Khairahniya Beerpur?

Availing of a car loan in Khairahniya Beerpur is an easy process with Dialabank.

  • Visit Dialabank.
  • Select car loan.
  • Fill in some details.
  • If you have any questions about the loan in Khairahniya Beerpur, you can call our relationship managers at 9878981166.
  • For availing of a car loan offline in Khairahniya Beerpur, you will have to visit the branch personally, which might turn to be hectic for you.


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Which Bank in Khairahniya Beerpur Offers the Best Car Loans?

Vehicle loans are available from several large banks and NBFCs in Khairahniya Beerpur, including HDFC, ICICI, and SBI. The best lender will be able to give you the loan amount you require at a reasonable interest rate and will be able to release the funds as soon as possible. Therefore, before applying for a vehicle loan that matches all of your criteria, such as interest rate, it is usually a good idea to compare vehicle loans from various lenders.

Car Loan for Major Car Manufacturers in Khairahniya Beerpur

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Processing Fees / Prepayment Charges on Car Loan Khairahniya Beerpur

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 Khairahniya Beerpur

The CIBIL score is referred to as what defines your ability to pay off your credits for loans in Khairahniya Beerpur. A higher Credit score means good credit history and makes the Khairahniya Beerpur car loan application process smooth and easy to be processed. Mainly, banks and NBFCs in Khairahniya Beerpur consider a credit score of 750 and above as an excellent score to approve your loan application process.


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Car Loan Khairahniya Beerpur Contact Number

In case of any queries regarding the car loan in Khairahniya Beerpur, you may contact on the number 9878981166 for any assistance.


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Pre Calculated EMI Table for Car Loan Khairahniya Beerpur

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


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About Khairahniya Beerpur Car Loan Khairahniya Beerpur

The location code or village code of Khairahniya Beerpur village is 173126, according to Census 2011 data. Khairahniya Beerpur village is located in the Shrawasti district of Uttar Pradesh, India, in the Ikauna Tehsil. It is 11 kilometres from the sub-district headquarters in Ikauna and 59 kilometres from the district headquarters in Bhinga. Pure Masharam is the gramme panchayat of Khairahniya Beerpur village, according to 2009 statistics. The village covers a total area of 132.21 hectares. The population of Khairahniya Beerpur is 969 people. In Khairahniya Beerpur village, there are approximately 162 dwellings. Ikauna, about 11 kilometres from Khairahniya Beerpur, is the closest town.


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FAQ’s About Khairahniya Beerpur Car Loan

✅ What are my alternatives for repaying my Auto Loan?

Standing Instruction (SI), Electronic Clearing Service (ECS), and Post-Dated Cheques (PDCs) are three options for repaying your loan in Khairahniya Beerpur.

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

To secure a car loan in Khairahniya Beerpur, most lenders do not demand a guarantor. However, if your income is below the statutory minimum, lenders in Khairahniya Beerpur may require a co-applicant or a guarantee to ensure that you can repay the loan.

✅ Where can I get an Interest Calculator for a Car Loan? 

The EMI calculator on the Dialabank website or the lending bank’s website can be used. Enter several interest rates to calculate the EMIs. The interest rate can be found by completing a loan application, which will ask you to supply basic information such as your salary, company, and work experience, depending on which interest rates are displayed.