Car Loan Kullu

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Car Loan Kullu

Best Banks for Car Loan in Kullu

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 Kullu Features

Car Loan Kullu

Why seek for a cab on every occasion, after you will have an automotive of your own. therefore consumer loan is here to get rid of all of your associated with the automotive. This loan is a suggestion that provides finance to folks for purchasing a car. A consumer loan permits an individual to obtain the vehicle in installments instead of outlay it promptly. It needs a minimum documentation method and fewer fees method.

Dialabank is India’s initial monetary helpline that gives loan services to the shopper’s agency are in ought to fulfill their dream of getting their vehicle. We are going to offer you credit at the competitive rate of interest with the advantages of low process fees and straightforward documentation and fast approval of loan quantity.

Car Loan Kullu Interest Rates

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

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Car Loan Kullu Documents Required

Documents required for a car loan are as followed:

For Salaried Individuals:

  • Proof of Identification: Passport copy, PAN Card, Voters ID card, Driving License
  • Income Proof: Latest 3-month salary slip with form no. 16
  • Residence Proof: Ration card / Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill / Life Insurance Policy /PAN Card
  • Bank Statement: Last six months is required.

For Self Employed Individuals:

  • Identification Proof: Passport copy, PAN Card, Voters ID card, Driving License
  • Income Proof: Latest ITR is required
  • Address Proof(anyone): Ration card/ Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill / Life Insurance Policy /PAN Card is necessary
  • Bank Statement: Last six months is required.

Car Loan Kullu Eligibility Criteria

The car loan eligibility requirements are as followed:

For Salaried Applicants

  • Minimum age: 21 years
  • Maximum age at loan maturity: 65 years
  • Minimum employment: One year in current employment and a minimum of two years of employment is necessary
  • Minimum Annual Income: Rs.100000 net annual income is required

For Self-Employed Applicants

  • Minimum age: 21 years
  • Maximum age at loan maturity: 65 years
  • Minimum employment: At least three years in business operations is required
  • Minimum Annual Income: Net profit of Rs. 60000 per annum for standard cars and Rs.100000 per annum for mid-sized and premium cars is necessary

Car Loan for Major Car Manufacturers in Kullu

TABLE WILL APPEAR Apply for a Car Loan

Processing Fees / Prepayment Charges on Car Loan Kullu

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 Kullu

CIBIL score reflects your credit history in the past as well as your defaults in repayment of your previous loans. A very low CIBIL score might lead to rejection of your loan as it is the first thing a bank tracks before processing your loan. A good credit score is considered as 750 and above as most of financial institutions ask for a high credit score. A Lower CIBIL score than 750 can attract a higher rate of interest. Every bank and NBFC has different criteria for a minimum CIBIL score they require to process your loan.

Car Loan Kullu Agent Contact Number

For more information or any queries regarding the car loan in Kullu, you contact us on 9878981166 or visit the website of Dialabank. making our representatives get in touch with you for further assistance.

Pre Calculated EMI Table for Car Loan Kullu

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

Car Loan EMI Calculator Kullu

About Kullu

Kulu is that the capital city of the district Kullu of Himachal Pradesh state, India. This natural depression is thought for its temples and its hills lined with pine and deodar forest and sprawling apple orchards. The course of the Beas watercourse presents a succession of glorious, clad with forests of a cedar tree, high higher than trees of pine on the lower rocky ridges. Kullu natural depression is sandwiched between the Pir Panjal, Lower Himalayan and Great Himalayan Ranges. thanks to several journey sites for Hindus, Buddhists and Sikhs alike, Kullu is thought for its open natural depression meadows and scenic views of the Himalayan geological formation. the world is thought for Kullu scarf, a product of several natural fibres.

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