Himachal Pradesh Gramin Bank Car loan

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Himachal Pradesh Gramin Bank Car loan

Himachal Pradesh Gramin Bank Car Loan Key Features – Dec 03 2022

Himachal Pradesh Gramin Bank Car Loan Interest Rate

7.35% per annum

Min Loan Amount ₹ 1,00,000
Max Loan Amount
(Loan to Value)
100% of Ex-showroom Price
Loan Tenure 12 to 84 months
Lowest EMI / Lac ₹ 1,634
Minimum Net Monthly Income ₹ 25,000
Minimum ITR for Self Employed ₹ 4,00,000
Age Criteria Salaried: 21 years – 60 years
Self Employed: 21 years – 70years
Types of Cars For All New Passenger Cars, Multi Utility Vehicles (MUVs), and Sport Utility Vehicle (SUVs).
Processing Fee 0.50% or minimum Rs.1500
Foreclosure Charges Nil
Basic Documentation ID Proof, Address Proof, Salary Slip, and Car Quotation

About Himachal Pradesh Gramin Bank Car Loan

Himachal Pradesh Gramin Bank is a semi-state guaranteed money related establishment formed on first Oct 1938 and is as of now under the upkeep of the CEO R.K.Chhibber.

Gotten comfortable Srinagar, Himachal Pradesh Gramin’ss Government claims Himachal Pradesh Gramin Bank’s 68.18% offers. Himachal Pradesh Gramin Bank gives different financial things to its customers. Himachal Pradesh Gramin Car Loan is open for customers expecting to buy their dream vehicle at an Affordable Rate of Interest.

Advantages of Himachal Pradesh Gramin Bank Car Loan

Himachal Pradesh Gramin Bank Car Loan

Himachal Pradesh Gramin Bank Car Loan Eligibility

Salaried Individual Age – Should be a minimum of 21 years old and should not exceed 60 years.
Net Monthly Income – Rs.25000 is the base criteria.
Employment Duration – At least one year
Income Eligibility – Form 16
 
Self-Employed Individuals Age – 21-70 years of age
Minimum ITR  – Rs. 4 lakh
Employment Duration – 3 years(minimum)
Income Eligibility –  Latest Income Tax Returns
 
Self-Employed Non-Individuals (Company/Partnership) Minimum ITR  – Rs. 4 lakh, Rs. 18 lakhs (for selected car models)
Employment Duration – Minimum 3 years
The applicant has to present IT returns and audited financials of 2 years with Calculated Income.
 
Priority Customers Applicant must be associated with at least six months.
Average Quarterly Balance – Rs.5000
Maximum Loan Amount – 3 times

Himachal Pradesh Gramin Bank Car Loan Interest Rate, Fees, and Charges

Charges New Car Loan Used Car Loan
Interest Rate  

7.35% per annum

   14.80% p.a. to 16.80% p.a.
Processing fee 0.50%(minimum Rs.1500) 0.50%(minimum Rs.1500)
Issuance of Duplicate Repayment Schedule Charges Above Rs.350 Above Rs.350
Foreclosure Charges Nil Nil
Penal Interest 2% per month 2% per month
Part Payment charges 5% of the paid amount 5% of the paid amount
Cheque/Instrument Swap Charge Above Rs.350 Above Rs.350
Documentation Charge Above Rs.350 Above Rs.350
Issuance of Duplicate No Dues Certificate Charges Above Rs.350 Above Rs.350
Registration Certification Collection Charge Above Rs.150 Above Rs.150
Cheque Bounce/Instrument Return Charges Above Rs.350 Above Rs.350
Issuance of Duplicate Statement Charges Above Rs.350 Above Rs.350
Loan Cancellation/Re-booking Charges Nil Nil
Issuance of Credit Report Above Rs.50 Above Rs.50

Himachal Pradesh Gramin Bank Car Loan Documents Required

Salaried Individual

Category Documents Required
Identity Proof Passport
Voter ID
Aadhar Card
Driving License
Address Proof Aadhar Card
PAN
Driving License
Electricity Bill
Date of Birth Proof Passport
Birth Certificate
High School Marksheet
Driving Licence
Signature Proof PAN
Bankers Verification
Passport
Income Proof Salary Slip and latest Form No.16
Bank Statement Last 6 month Bank statement
Employment Continuity Proof Job card by NREGA
ITR of Form no. 16
Salary Slip mentioned with joining date
Letter of Appointment

Self-Employed Individuals

Category Documents Required
Identity Proof  PAN Card
Passport
Voter ID
Aadhar Card
Address Proof PAN Card
Voter ID
Passport
Electricity Bill
Date of Birth Proof Birth Certificate
Passport
Driving Licence
PAN
Signature Proof PAN
Bankers Verification
Passport
Bank Statement Bank statement of last 6 months
Employment Continuity Proof Latest ITRs
Shop & Establishment Act Certificate
Shop & Establishment Act Certificate
Sales Tax or VAT Certificate
Business Proof Registration Certificate
Telephone Bill/Electricity Bill
Shop & Establishment Act Certificate
SSI or MSME Registration Certificate

Self-Employed Non-Individuals:

Partnership Firms/Societies

Category Documents Required
Identity Proof Driving Licence
Aadhaar Card
Passport
PAN
Voter ID
Address Proof Driving Licence
Aadhaar Card
Passport
PAN
Voter ID
Income Proof Audited Balance Sheet
P&L Account and ITR for the previous two years
Bank Statement Bank statement of last three months
Business Continuity Proof Shop & Establishment Act Certificate
Current Account Statement
SSI or MSME Registration Certificate
Sales Tax or VAT Certificate
Additional documents Authority Letter/PAN cards

2. Private Limited/Limited Companies

Category Documents Required
Identity Proof Driving Licence
Aadhaar Card
Passport
PAN
Voter ID
Address Proof Driving Licence
Aadhaar Card
Passport
PAN
Voter ID
Income Proof Audited Balance Sheet
P&L Account and ITR for the previous two years
Bank Statement Bank statement of last three months
Business Continuity Proof Shop & Establishment Act Certificate
Current Account Statement
SSI or MSME Registration Certificate
Sales Tax or VAT Certificate
Additional documents Authority Letter/PAN cards

Himachal Pradesh Gramin Car Loan EMI Calculator

Check your EMIs even before applying for the loan by following this:

Car Loan EMI Calculator

Himachal Pradesh Gramin Bank Car Loan Types

Himachal Pradesh Gramin gives different monetary items, and Car Loan is one among them. Contingent on the requirements, the Loan can be benefited:

  • New Car Loan –   For the individuals who are searching for a new and new vehicle. Benefit from this credit for an adaptable residency of as long as 7 years.
  • Utilized Car Loan –Take a Used Car Loan for purchasing any recycled vehicle with full records accessible. Get the credit for long residencies as long as 5 years.
  • Advance Against Car – Individuals can even get a credit against their possessed vehicles for snappy asset endorsements by keeping the vehicle as to the insurance.

Himachal Pradesh Gramin Bank Car Loan Pre Calculated EMI

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

How to Apply for Himachal Pradesh Gramin Bank Car Loan?

  1. Reach out to Dialabank and fill in the necessary information.
  2. Connect with our all-around prepared Relationship administrator and find out about the alternatives accessible.
  3. Select the best Car advance as indicated by your requirements.
  4. All the directions and administrations all through the Car advance cycle are liberated from cost.

FAQs for Himachal Pradesh Gramin Bank Car Loan

✅ What is Himachal Pradesh Gramin Bank Car Loan?

Himachal Pradesh Gramin Bank Car Loan is a secured loan provided by the Bank to applicants looking to allocate funds for buying a new or used car.

✅ How can I get a Car Loan from Himachal Pradesh Gramin Bank?

Himachal Pradesh Gramin Car Loan can be availed by applying directly through Dialabank or reaching out to the nearest branch of the Bank.

✅ How does Himachal Pradesh Gramin Bank Car Loan work?

Working on Himachal Pradesh Gramin Bank Car Loan is pretty simple as it involves allocating funds to its customers willing to buy a car and keeping the same as collateral. The rate of Interest is charged against the loan and is repaid in burdenless EMIs.

✅ What is the Car Loan Interest Rate in Himachal Pradesh Gramin Bank?

Car Loan Interest Rate in Himachal Pradesh Gramin Bank is as low as

7.35% per annum

.

✅ How to Check Car Loan status in Himachal Pradesh Gramin Bank?

Check car Loan status in Himachal Pradesh Gramin Bank directly by reaching out to the Bank’s website and providing your Loan number on the Loan Status page.

✅ How to Calculate Car Loan Interest in Himachal Pradesh Gramin Bank?

Calculate Car Loan Interest in Himachal Pradesh Gramin Bank by using Dialabank’s Calculator. This Calculator provides information about the EMI and Interest of your Loan.

✅ What is the maximum loan amount I can avail myself of on a Car Loan from Himachal Pradesh Gramin Bank?

Car Loans from Himachal Pradesh Gramin Bank can avail you of up to 100% amount of the ex-showroom price of the vehicle.

✅ What is the loan tenure of the Himachal Pradesh Gramin Bank Car Loan?

Himachal Pradesh Gramin Bank Car Loan Tenure range between 12 to 84 months.

✅ Can I get a 100% Car Loan from Himachal Pradesh Gramin Bank?

Yes, a 100% car loan from Himachal Pradesh Gramin Bank can be provided on the Ex-showroom price of the car.

✅ How much Processing Fee is applicable on Himachal Pradesh Gramin Bank Car Loan?

Processing Fees of 0.50% or a minimum of Rs.1500 is applicable on Himachal Pradesh Gramin Bank Car Loan.

✅ What are the EMI options available on Himachal Pradesh Gramin Bank Car Loan?

EMI options of Step-up EMI and Balloon EMI are available with Himachal Pradesh Gramin Bank Car Loan.

✅ What are the charges for Prepayment in Himachal Pradesh Gramin Bank Car Loan?

There are NO charges for Prepayment in Himachal Pradesh Gramin Bank Car Loan.

✅ Can I get a top-up loan on my existing Himachal Pradesh Gramin Bank Car Loan?

Top-up Loan on Existing Himachal Pradesh Gramin Bank Car Loan can only be availed under particular circumstances.

✅ Do I need to provide a guarantor to avail myself of a Car Loan from  Himachal Pradesh Gramin Bank?

A guarantor is not needed to avail of a Car Loan from Himachal Pradesh Gramin Bank.

✅ How to get Himachal Pradesh Gramin Bank Car Loan Statement?

Himachal Pradesh Gramin Bank Car Loan Statement is readily available on the Bank’s website and can be availed by providing the Loan Details.

✅ How to Pay Himachal Pradesh Gramin Bank Car Loan Interest Online?

Pay Himachal Pradesh Gramin Bank Car Loan Interest Online through Bank’s Payment gateways using your Net Banking.

✅ What if I can’t pay the interest on Himachal Pradesh Gramin Bank Car Loan for 3 months?

Bank has the right to seize the vehicle or charge a nominal penalty for not paying Himachal Pradesh Gramin Bank Car Loan EMI for 3 Months.

✅ How can I apply for EMI Moratorium on Himachal Pradesh Gramin Bank Car Loan?

EMI Moratorium on Himachal Pradesh Gramin Bank Car Loan can be requested directly with the Bank.

✅ What is the number for Himachal Pradesh Gramin Car Loan agent?

9878981166 is the number for Himachal Pradesh Gramin’s most valuable Car Loan Agent, i.e. Dialabank.

✅ Can I close Himachal Pradesh Gramin Bank Car Loan online?

Himachal Pradesh Gramin bank car Loan cannot be closed online; an Applicant has to reach the branch for the closure process.

✅ What is Himachal Pradesh Gramin Bank Car Loan Customer Care Number?

9878981166 is the number for all the queries related to Himachal Pradesh Gramin Bank Car Loan.

✅ How can I get NOC from Himachal Pradesh Gramin Bank for a Car Loan?

NOC from Himachal Pradesh Gramin for a Car Loan can be availed after completing the foreclosure process.

What is the Himachal Pradesh Gramin Bank Car Loan closure procedure?

  • Just go to the bank with the documents.
  • Write a letter for pre-closure of the Himachal Pradesh Gramin Bank Car Loan account.
  • Pay the pre-closure charges as per Himachal Pradesh Gramin Bank Car Loan.

✅ What is the Himachal Pradesh Gramin Bank Car Loan pre-closure charges?

Himachal Pradesh Gramin Bank’s pre-closure charges are zero.

✅ What is the Himachal Pradesh Gramin Bank Car Loan maximum tenure?

The Himachal Pradesh Gramin maximum tenure is 7 years.

✅ What is the Himachal Pradesh Gramin Bank Car Loan minimum tenure?

The Himachal Pradesh Gramin Bank Car Loan minimum tenure is 1 year.

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