Car Loan Kopergaon

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Car Loan Kopergaon

Best Banks for Car Loan in Kopergaon


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Car Loan Kopergaon 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

Got tired of travelling on a two-wheeler and now need to have four-wheelers but don’t have the time to visit different banks and compare different banks interest rate, documentation, etc. We will provide you with all the information in minimal time and clear all your doubts in no time. So apply with Dialabank and get the best services.

Car Loan Kopergaon


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Car Loan Kopergaon 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 Kopergaon EMI Calculator

Car Loan Kopergaon 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 Kopergaon Fees and Charges: Leading Banks – May 27 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 Kopergaon 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.


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How to Get the Best Car Loan Interest Rates in Kopergaon

To get the best interest rate, you need to know some points about car loan interest rates—these interest rates vary for every borrower present in Kopergaon. Follow the points given below to get a car loan at a reasonable interest rate.

  • When you decide to buy a car loan, you must first research banks available in your area and then compare the offers given by banks. By comparing, you can pick up the best bank for your car loan.
  • Once your application for a car loan is submitted, the lender would check your credit score, and if it comes up to the mark, you will get a loan immediately after loan approval bank needs to decide the interest rate for this. When your credit score is good bank would give a loan at a lower rate of interest.
  • Another point that lenders look for while deciding interest rates is the Debt to income ratio. This is how much part of the borrower’s income would go for loan repayment.
  • While choosing repayment tenure, borrowers should choose short term repayment. This borrower would pay back fast, which results in less interest rate.

How to Apply for a Car Loan in Kopergaon?

  1. First, visit Dialabank.
  2. After that, apply for a Car Loan online.
  3. Please enter your contact number so that we can contact you back.
Please provide your phone number so that we can reach out to you.
Dialabank is the best place to apply for a car loan since you will acquire a loan with low-interest rates.


car loan

Which Bank in Kopergaon Offers the Best Car Loans?

Suppose you want the best offers for a car loan in Kopergaon. You must first compare, do research and then select the bank which offers loans at the lower interest rate and low processing fees. In Kopergaon, you will find top banks like SBI, HDFC, Axis or ICICI. Out of all these, to get the best offers, you need to check according to your convenience and finalize the one which fits your needs.

Car Loan for Major Car Manufacturers in Kopergaon

TABLE WILL APPEAR

Processing Fees / Prepayment Charges on Car Loan Kopergaon

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 Kopergaon

The CIBIL score is the score that defines borrowers ability to pay back. A higher score tells credit history, which is your repayment pattern in the past. If you pay back the loan fast on time, there is more chance of having more CIBIl score. Banks usually want this score to be 750 or above. If they find out to be a credit score above 750, the loan is approved fast, and the loan process becomes smoother.

Other than this benefit of having more CIBIL scores can be seen in interest rates. For more CIBIL scores, banks keep interest rates lower. Thus, This score matters a lot for taking a Car loan.


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Car Loan Kopergaon Contact Number

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


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Pre Calculated EMI Table for Car Loan Kopergaon

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 Kopergaon

In the Indian state of Maharashtra, Kopergaon is a town and municipality in the Ahmednagar district. Please visit our official website for more information about Car Loans.


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FAQ’s About Kopergaon Car Loan

For How long can I get a car loan in Kopergaon?

Applicants can get a car loan for 1 to 7 years loan tenure.

Do applicants get any Tax-benefit from a car loan?

Car loans do not come with any benefit of tax.

Can I include insurance in the car loan?

No, Banks expect borrowers to pay the insurance amount for a car loan.