Car Loan Sardulgarh

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All About Car Loan Sardulgarh

Best Banks for Car Loan in Sardulgarh

Feature	HDFC Bank	Private 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 Sardulgarh Features

Want to own a car but don’t have enough funds to purchase one? Worry not! A car loan might just be what you need to fulfil your desire. Car Loan is a secured loan with easy repayment options available for the applicants in the form of monthly instalments. The loan amount is offered on Interest rates, which differ from one lender to another according to your city.

You can avail a car loan in Sardulgarh for purchasing a new car as well as a used car, as per your needs. The car loan requirements and criteria vary from one lender to another. So if you are thinking of purchasing your dream car, get an instant Car loan Sardulgarh with DialaBank at best offers available in the city.

Car Loan Sardulgarh 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
Private 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 Sardulgarh Documents Required

A person should review the documents required for car loan before making a decision.

For Salaried Individuals:

Identity Proof in the form of Passport copy, PAN Card, Voters ID card, Driving License or any other proof
Income Proof For Salaried Employees– Latest 3-month salary slip with form 16 / and Latest ITR for self-employed
Address Proof: Ration card / Driving license / Telephone Bill / Electricity Bill / Life Insurance Policy /PAN Card or any other address proof
Complete Bank Statements for the last 6 months.
ITR filing of the previous 2 years for self-employed people is necessary.

For Self Employed Individuals:

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

Car Loan Sardulgarh Eligibility Criteria

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

For Salaried Applicants:

Minimum age: 21 years for salaried persons and 30 years for self-employed persons for a car loan
Maximum age at loan maturity: 60 years for salaried and 65 for self-employed is the maximum age limit
Minimum employment: For Salaried- 1 year in current organization and a minimum of total 2 years of employment / For Self Employed– a minimum of 3 years in business
Minimum Annual Income: For Salaried Rs 100000 net annual income is necessary / For Self- Employed Net profit Rs.100000 p.a. for mid-sized and premium cars are essential, Rs. 60000 p.a for standard cars.

For Self Employed Applicants:

Minimum age: 21 years
Maximum age at loan maturity: 65 years
Minimum employment: At least 3 years in business
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 Sardulgarh

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Processing Fees & Prepayment Charges on Car Loan Sardulgarh

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
Prepayment Charges	>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 Sardulgarh

CIBIL score is a credit value that describes your creditworthiness of the past repayment of loans. So, it is an important factor to keep in mind while availing or applying for a car loan in Sardulgarh. The CIBIL score required for car loans may keep varying from one lender to another depending on their own requirements respectively. Most banks and NBFCs accept a CIBIL score of 750 and above to process your car loan application in Sardulgarh. In case of a low CIBIL score, you might be required to pay quite a heavy interest rate on the total loan amount, which is why a CIBIL score is so important.

Car Loan Sardulgarh Contact Number

For any queries regarding the car loan in Sardulgarh, you may contact on the number 9878981166.

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Pre Calculated EMI Table for Car Loan Sardulgarh

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