Car Loan Kosikalan

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Best Banks for Car Loan in Kosikalan

Feature
HDFC Bank
ICICI Bank
Kotak Mahindra Bank
Interest Rate
8% - 8.4 %
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 Kosikalan Features

car loan kosikalanThinking of purchasing your expensive dream car? But don’t have enough finance for it? Don’t Worry! DialaBank provides the best offers on a car loan. A car loan is a means of funding your dream car provided by banks and NBFCs to applicants at an affordable and best rate of interest. Since cars have now become a necessity in today’s world, but the cost of cars is growing rapidly daily. This is where a car loan plays a dynamic role and fulfills your desire to be the owner of a luxurious car. The main features of a car loan in Kosikalan are:

  • Car loans are available at affordable low-interest rates
  • Almost all major banks and NBFCs offer car loans in Kosikalan
  • The documentation process is instant and hassle-free
  • Car loans are easily available through DialaBank with free assistance

Car Loan Kosikalan Interest Rate

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
1%
Nil
Andhra Bank Car Loan
Nil
Nil

 

To check Personal Loan Interest Rate for all major banks you can visit: Car Loan Interest Rates

Car Loan Kosikalan Documents Required

The essential documents required to get a car loan approved in Kosikalan are as follows:

  1. Identity Proof:  Ani identity proof like Passport copy, PAN Card, Voters ID card, Driving License
  2. Income ProofFor Salaried– you must provide latest 3-month salary slip with form 16 / For Self Employed- Latest ITR proof of document
  3. Address Proof: Permanent address proof / Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill / Life Insurance Policy /PAN Card
  4. Bank Statement: previous six months.

Car Loan Kosikalan Eligibility Criteria

The car loan eligibility requirements are as followed in Kosikalan:

  1. The minimum age requirements are 21 years for salaried individuals and 30 years in case of a self-employed
  2. The applicants should not be more than 60 and 65 years respectively for salaried and self-employed individuals during the completion of the loan period.
  3. The salaried individuals should have a minimum of 1-year experience in current employment and a minimum of 2 years of employment / For Self Employed- at least 3 years in business
  4. Minimum Income earning: For Salaried Rs 100000 net annual income / For Self- Employed Net profit Rs. 60k p.a for standard cars and Rs.100k p.a. for mid-sized and premium expensive cars
  5. Usually getting a car loan is easier when the applicant possesses a good CIBIL score of 750 and above which is an essential factor required for the loan approval in Kosikalan

How to Apply for Car Loan in Kosikalan?

Availing a car loan in Kosikalanhanpuris an easy process with DialaBank. Follow the following steps to avail the best offers:

  • Visit our website main  dialabank.com
  • Click on the car loan option available in the menu tab of the loans
  • Fill in the details required regarding the car type and your income level
  • Wait as our customer relationship manager will soon get in touch with you regarding your loan application
  • You may also contact our customer relationship managers on the number 9878981166 regarding any query
  • For availing a car loan offline you will be required to visit the nearest branch personally and check on the rates available that might consume a lot of time and energy.

Processing Fees & Prepayment Charges on Car Loan Kosikalan

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

CIBIL Score Required for Car Loan in Kosikalan

The credit score is what defines your ability to pay off your credits. A higher CIBIL score defines your good credit history and makes your application process smooth and easy to be processed. Usually, banks and NBFCs require a credit score of 750 and above to approve your loan application process in Kosikalan. This score may vary from bank to other banks. In case a CIBIL score is less than the applicable value you will be required to pay a high rate interest rate on the loan amount.

Car Loan Kosikalan Contact Number

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

Pre Calculated EMI Table for Car Loan  Kosikalan

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 Kosikalan

Kosi Kalan is a city in the Mathura district in the Indian state of Uttar Pradesh.

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