Car Loan Saharsa

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Car Loan Saharsa

Best Banks for Car Loan in Saharsa

Feature
HDFC Bank
ICICI Bank
Kotak Mahindra Bank
Interest Rate (p.a.)
7.35 - 7.95%
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 saharsa

Car Loan Saharsa Features

A car loan is a kind of financial help provided by NBFCs and banks to fulfill your dream of having your own car. Many families need a car for their convenience. They provide necessary funding or finance for buying a car which can be on Ex-Showroom Price or On-Road Car Price. A car loan is a secured loan with viable options for repayment. The loan amount is offered on Interest rate charges which can vary from bank to bank. One can pay for the car loan in easy installments. This is the best option for those who are not able to afford a car readily; they can get a loan for car purchases and fulfil the need of a family.

Car Loan Saharsa 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 Saharsa 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 Saharsa Eligibility Criteria

The car loan eligibility criteria requirements are as followed in Saharsa:

For Salaried Applicants

  1. Minimum age: 21 years.
  2. Maximum age at loan maturity: 65 years.
  3. Minimum employment: 1 year in current employment and a minimum of 2 years of employment.
  4. Minimum Annual Income: Rs.100000 net annual income.

For Self-Employed Applicants

  1. Minimum age: 21 years
  2. Maximum age at loan maturity: 65 years
  3. Minimum employment: At least 3 years in business
  4. Minimum Annual Income: Net profit Rs.100000 per annum for mid-sized and premium cars Rs. 60000 per annum for standard cars.

Car Loan for Major Car Manufacturers in Saharsa

TABLE WILL APPEAR

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Processing Fees & Prepayment Charges on Car Loan Saharsa

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 Saharsa

The credit history is the main thing Bank examines for approval of  car loan, the person who is not credible as per Bank eligibility criteria is not able to avail the best offers on the car loan, or their application may get rejected. So make sure you have a good CIBIL score that is eligible enough to apply for car loans and get instant approval.

The CIBIL score should be 750 or above, as this seems good for leading car loan banks. Make sure CIBIL must be eligible or try to improve for the best offers on the car loan

Car Loan Saharsa Contact Number

You can apply online with Dialabank to avail best cat loan interest rate with car loan minimum documentation. You can have a call with our customer care executive for further details 9878981166.

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Pre Calculated EMI Table for Car Loan Saharsa

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 Saharsa

Saharsa is a city and a municipality in the Saharsa district in the eastern part of Bihar, India. It is located near the eastern bank of the Kosi River.

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

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Car Loan EMI Calculator

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