Car Loan Siliguri

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Major Car Loan Providers in Siliguri

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 Siliguri Features

Car loan Siliguri

Looking to purchase a car?

Do you need money to have your own favorite car?

The car loan is financial assistance provided by banks and finance corporations to fulfill your dream of owning a car. They provide a required amount of money for buying a car which can be on Ex-Showroom price or On-Road price. The car loan is a secured loan which can be easily repaid.

What are some of the Car Loan Siliguri features?

Car Loan Siliguri provides financial support at the best affordable interest charges to buy the car of your choice. You can easily pay back car loans through monthly installments.

Also, the interest rates will differ depending on the bank’s situation.

Car Loan Siliguri Interest Rates

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

Car Loan Siliguri Documents Required

For Salaried Individuals:

  1. Identity Proof: Passport copy, PAN Card, or Driving License, Electoral Photo ID card can be used as Identity proof.
  2. Income Proof: Last three months’ or last six months’ salary certificate with Income Tax Return filed.
  3. Residence Proof: Driving License, Electricity Bill, Electoral Photo ID Card, PAN Card, and Life Insurance Policy are valid address proofs.
  4. Bank Statement for the previous two quarters.

For Self-Employed Individuals

  1. Identity Proof: Passport copy, PAN Card, or Driving License, Electoral Photo ID card can be used as Identity proof.
  2. Income Proof: Income Tax Return.
  3. Residence Proof: Driving License, Electricity Bill, Electoral Photo ID Card, PAN Card, and Life Insurance Policy are valid address proofs.
  4. Bank Statement for the previous two quarters.

Car Loan Siliguri Eligibility Criteria

For Salaried applicants:

  1. The minimum age has to be 21 years.
  2. The maximum age at the time of loan maturity needs to be 65 years.
  3. The applicant should have served 1 year in current employment including total work experience of 2 years.
  4. The minimum annual income needs to be at 100000 Indian rupees as a net annual income.

For Self-Employed Applicants:

  1. The minimum age has to be 21 years.
  2. The maximum age at the time of loan maturity needs to be 65 years.
  3. The applicant should be active for at least 3 years in business.
  4. The net profit needed is Rs 60000 per annum for generally standard cars and Rs 100000 per annum for medium-sized premium cars

How to Apply for Car Loan in Siliguri?

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Applying for a car loan with Dialabank.com is an easy process. Follow the steps to apply for a car loan:

  1. Visit Dialabank online.
  2. Click on the auto loan option and choose the car loan option on the menu.
  3. Fill out the form with the necessary information for your loan requirements.
  4. Wait for our team of specialists to reach to get in touch with you.
  5. You can also visit the most adjacent branch or call on 9878981166.

Car Loan for major car manufacturers in Siliguri

TABLE WILL APPEAR

Processing Fees & Prepayment Charges on Car Loan Siliguri

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 Siliguri

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CIBIL score reflects your credit history in the past as well as your errors in repayment of your previous loans. A good credit score is considered as 750 and above as most of the financial organizations ask for a high credit score. Every bank and NBFC has different criteria for a minimum CIBIL score they need to process your loan. A Lower CIBIL score than 750 can draw a higher-Interest rate.

Car Loan Siliguri Contact Number

To avail the best car loans in Siliguri, Reach on 9878981166

Pre Calculated EMI Table for Car Loan Siliguri

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 Siliguri

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In the West Bengal, Siliguri is a part of the Darjeeling district. It is a major commercial, tourism, transportation, and educational center of West Bengal. Besides, Siliguri is also the fastest developing city in India in terms of retail, hospitality, and real estate. Three major languages spoken in Siliguri are Hindi, Bengali, Nepali, and English.

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

Car Loan EMI Calculator Siliguri

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