Car Loan Khairahniya Beerpur

Best Banks for Car Loan in Khairahniya Beerpur

Feature	HDFC Bank	Private 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

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

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

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

Car Loan Khairahniya Beerpur fees: Leading Banks – Apr 19 2024

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
Private 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 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.

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.

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, Private, 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

TABLE WILL APPEAR

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
Prepayment Charges	>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 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.

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.

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

About 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.

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.