Best Banks for Car Loan in Kulathupuzha
⍟ Loan Approval in 30 Minutes
7.35% per annum Car loans in Kulathupuzha offered by different lenders are different, but they are reasonable. You can go to our website and directly apply online at Dialabank. Many banks and NBFCs, like Private, SBI and HDFC, offer vehicle loans in Kulathupuzha. However, the finest lender in Kulathupuzha is one that provides you with a Car Loan in Kulathupuzha at a reasonable interest rate and can provide the funds as quickly as possible. Therefore, it is always better to compare your vehicle loans from many lenders in Kulathupuzha before applying for one that meets all of your needs. TABLE WILL APPEAR The CIBIL score for a car loan in Kulathupuzha defines your ability to pay off your credits. A higher Credit score for a car loan in Kulathupuzha means good credit history and makes your car loan in Kulathupuzha process smooth and easy to be processed. Mostly, banks and NBFCs in Kulathupuzha consider a credit score of 750 and above as a good score to approve your loan application process in Kulathupuzha. For any queries regarding car loans in Kulathupuzha, call 9878981166. Kulathupuzha is a town located in the eastern part of Kollam, Kerala, in India. Kulathupuzha One of the largest Panchayat in the State. Kulathupuzha is situated on Kallada/Kulathupuzha Riverbank and Thiruvananthapuram – Thenmala “SH-2” road State Highway-2 and Thiruvananthapuram-Kasaragod State Highway SH 59 Simply log on to your Bank’s payment page and click on |see and pay your bills|. You will also get an electronic acknowledgement receipt for every bill you pay by using e-PAY. You can also pay through Paytm, GPAY etc. Get the statement by visiting any bank branch in Kulathupuzha and request a detailed statement. You can also get a statement online, but for that, you should have internet banking activated.
Car Loan Kulathupuzha 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 Kulathupuzha 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 Kulathupuzha EMI Calculator
Car Loan Kulathupuzha 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 Kulathupuzha Fees and Charges: Leading Banks – Apr 27 2024
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 Kulathupuzha 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 Kulathupuzha
How to Apply for a Car Loan in Kulathupuzha?
Which Bank in Kulathupuzha Offers the Best Car Loans?
Car Loan for Major Car Manufacturers in Kulathupuzha
Processing Fees / Prepayment Charges on Car Loan Kulathupuzha
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 Kulathupuzha
Car Loan Kulathupuzha Contact Number
Pre Calculated EMI Table for Car Loan Kulathupuzha
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 Kulathupuzha
Car Loan Banks in Kulathupuzha IFSC
Bank Name
Bank Address
IFSC Code
CENTRAL BANK OF INDIA
OPP. POST OFFICE, T.S.ROAD, P.O. KULATHUPUZHA, DIST-KOLLAM, KERALA – 691310
CBIN0280992
STATE BANK OF INDIA
DOORNOKPXI1062, KETTIDATHIL COMMERCIAL COMPLEX, NEARPANCHYATHBUILDING, KULATHUPUZHAP O69131
SBIN0070731
FAQ’s About Kulathupuzha Car Loan
✅ What is the Car Loan Kulathupuzha closure procedure?
✅ How to Pay Car Loan Kulathupuzha Interest Online?
✅ How to get the Car Loan Statement in Kulathupuzha?