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Car Loan Pathanamthitta

Best Banks for Car Loan in Pathanamthitta

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 Pathanamthitta Features

car loan pathanmthittaA car loan is financial funding provided by banks and NBFC’s to make your dream come true of having your personal car. It is not a difficult task nowadays availing for a car loan as numerous products have come into the market to cater to the needs of a buyer provided by numerous lenders.

Moreover, if you want to buy a pre-owned car, financial institutions also provide the service of used car loans which can be used for financing a used car. Car Loans also come at an affordable rate of interest and requires minimal documentation to be approved.

Car Loan Pathanamthitta 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 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 Pathanamthitta Documents Required

Documents required for car loan are as followed:

For Salaried Individuals:

  1. Proof of Identification: Passport copy, PAN Card, Voters ID card, Driving License
  2. Income Proof: Latest 3-month salary slip with form 16
  3. Residence Proof: Ration card / Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill / Life Insurance Policy /PAN Card
  4. Bank Statement: Last 6 months.

For Self Employed Individuals:

  1. Identification Proof: Passport copy, PAN Card, Voters ID card, Driving License
  2. Income Proof: Latest ITR
  3. Address Proof(anyone): Ration card/ Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill / Life Insurance Policy /PAN Card
  4. Bank Statement: Last 6 months.

Car Loan Pathanamthitta Eligibility Criteria

To obtain the loan amount, a person must meet the Eligibility criteria for car loan.

You should be at least 21 years of age to apply for a car loan. The maximum age of a person should be 65 years at the time of maturity of the loan.

For Salaried: You should be having a minimum of 2 years of employment and you should be working for at least 1 year in your current employment. The minimum annual salary required is Rs. 100000 as net annual income.

For Self Employed: You should be in the business for at least 3 years. A net profit of at least Rs. 60000 p.a. should be there for standard cars and Rs. 100000 p.a. for mid-sized and premium cars.

Car Loan for Major Car Manufacturers in Pathanamthitta

TABLE WILL APPEAR

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Processing Fees & Prepayment Charges on Car Loan Singrauli

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 Pathanamthitta

CIBIL score is an essential criterion based on which the banks and NBFCs approve a car loan in the city to any customer. The minimum requirement of a CIBIL score for a car loan in Pathanamthitta varies from bank to bank. Generally, a score above 750 is considered to be decent for any individual to be eligible to apply for a car loan.

It is important that one should clear all the pending dues of the past loans and debts in order to maintain a good credit score. Default in your credit score may hinder your opportunities for availing a fresh loan in the future.

Car Loan Pathanamthitta Contact Number

To get an instant car loan in Pathanamthitta you can visit our website or call on 9878981166 to get personalized assistance. Our executives are well trained and will assist you in the best way possible in order to provide you best deal available.

Pre Calculated EMI Table for Car Loan Pathanamthitta

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

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About Pathanamthitta

Pathanamthitta is a fast-growing town and a municipality situated in the Central Travancore region in the state of Kerala, India, spread over an area of 23.50 km². It is the administrative capital of Pathanamthitta district.

Special Note: Banks do not provide Car Loans to bad credit holders, but one can fulfil their money requirement with Gold Loan easily.

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