Car Loan Sirsi

Car Loan Sirsi

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Best Banks for Car Loan in Sirsi

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 Sirsi Features

Car loans have drastically improved the affordability of owning your dream car because all you have to do is pay a fraction of the total amount as a down payment. You can pay the rest of it through Equal Monthly Installments (EMIs) for tenures up to 7 years and even more. In Sirsi, you can get access to a wide range of appealing features when it comes to a car loan:

Car loans are available at low interest rates, which may vary from bank to bank
Almost all central banks and NBFCs offer car loans in Sirsi in your vicinity
The documentation process is quick and hassle-free. With us, you can get your loan approved even on the same day.
Car loans are readily available through DialaBank. We act as mediators between the banks and our customers to get you the best offers in record time.

Car Loan Sirsi 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	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 Sirsi Documents Required

Documents required for 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 16
Residence Proof: Ration card / Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill / Life Insurance Policy /PAN Card
Bank Statement: Last 6 months.

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 Sirsi 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: A year in current employment and a minimum of two years of employment
Minimum Annual Income: Rs.100000 net annual income

For Self-Employed Applicants

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

Car Loan for Major Car Manufacturers in Sirsi

TABLE WILL APPEAR

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Processing Fees / Prepayment Charges on Car Loan Sirsi

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 Sirsi

The CIBIL score is referred to as what defines your ability to pay off your credits. It is based on your repayment history.
A higher Credit score makes the banks trust you and makes your car loan application process smooth and easy. On the other hand, a lower score might charge you a higher interest rate.
Mainly, a credit score of 750 and above is required for a smooth application process in Sirsi. This score may again vary from bank to bank.
For more information, visit CIBIL score Dialabank.

Car Loan Sirsi Agent Contact Number

In case of any queries regarding the car loan in Sirsi, you may dial up the number 9878981166 or visit our website Dialabank for any assistance!

Pre Calculated EMI Table for Car Loan Sirsi

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 Sirsi

About Sirsi

Sirsi is the Gateway of the Western Ghats, located in the state of Karnataka at the height of about 2600 feet above sea level. It is known for tourist places such as Banavasi, Yana, Sahasralinga, a thousand ShivaLingas immersed in a river and waterfalls from the river Aghnashini, which is most famous for the Shri Marikamba Temple, with a population of around 1.6 lakhs. A large forest surrounds the city, and the region has several waterfalls running through it. The main businesses around the city include subsistence and agro-based.

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