Uttar Bihar Gramin Bank Car Loan

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Uttar Bihar Gramin Bank Car Loan

Uttar Bihar Gramin Bank Car Loan Key Features – Jan 2021

Uttar Bihar Gramin Bank Car Loan Interest Rate

7% per annum

Min Loan Amount ₹ 100,000
Max Loan Amount
(Loan to Value)
Loan up to 90% of On Road Price
or 100% of Ex-showroom Price
Loan Tenure 1 year to 7 years
Lowest EMI / Lac ₹ 2,083
Minimum Net Monthly Income ₹ 8,000
Minimum ITR for Self Employed ₹ 96000
Age Criteria Salaried: 21 years to 60 years
Self Employed: 21 years to 65 years
Types of Cars For All New Passenger Cars, Multi Utility Vehicles (MUVs), and Sport Utility Vehicle (SUVs).
Processing Fee Up to 0.40% Only
Foreclosure Charges No foreclosure charges
Basic Documentation ID Proof, Address Proof, Salary Slip, Bank Statement and Car Quotation

About Uttar Bihar Gramin Bank Car Loan

Uttar Bihar Gramin Bank provides Car Loans at the lowest rates of interest to the consumer for buying their dream car whether new or second hand. It is an easily available loan that can be taken by anyone even in case of a low CIBIL score.

Advantages of Uttar Bihar Gramin Bank Car Loan

Uttar Bihar Gramin Bank Car Loan

Uttar Bihar Gramin Bank Car Loan Eligibility

Salaried Individual
  • Age – 21-60 years of age
  • Net Monthly Income – should be minimum ₹ 15000
  • Employment Duration – Minimum 1 year
  • Income Eligibility – Depends on Form 16 and Salary Slip
Self-Employed Individuals
  • Age – 21-65 years of age
  • Minimum ITR  – Rs. 4 lakh, Rs. 18 lakhs (for selected car models)
  • Employment Duration – Minimum 3 years
  • Income Eligibility – Depends on the 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 should have a vintage of at least 6 months
  • Average Quarterly Balance – Minimum Rs.1 lakh for last 2 quarters
  • Maximum Loan Amount – 3 X Average Quarterly Balance of Last 2 quarters

Uttar Bihar Gramin Bank Car Loan Interest Rate, Fees and Charges

Charges New Car Loan Used Car Loan
Interest Rate

7% per annum

14.80% p.a. to 16.80% p.a.
Processing fee 0.40% 0.40%
Issuance of Duplicate Repayment Schedule Charges Rs.500 per instance Rs.500 per instance
Foreclosure Charges 5% of the principal outstanding 5% of the principal outstanding
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 Rs.500 per instance Rs.500 per instance
Documentation Charge Rs.500 per instance Rs.500 per instance
Issuance of Duplicate No Dues Certificate Charges Rs.500 per instance Rs.500 per instance
Registration Certification Collection Charge Rs.200 per instance Rs.200 per instance
Cheque Bounce/Instrument Return Charges Rs.500 per instance Rs.500 per instance
Issuance of Duplicate Statement Charges Rs.500 per instance Rs.500 per instance
Loan Cancellation/Re-booking Charges Rs.2,500 per instance Rs.2,500 per instance
Issuance of Credit Report Rs.50 per instance Rs.50 per instance

Uttar Bihar Gramin Bank Car Loan Documents Required

Salaried Individual

Category Documents Required
Identity Proof(Any 1) Driving License
Aadhaar Card
Passport
PAN
Voter ID
Address Proof(Any 1) Driving License
Aadhaar Card
Passport
PAN
Voter ID
Date of Birth Proof(Any 1) Birth Certificate
Passport
Driving License
PAN
Signature Proof(Any 1) Passport
Bankers Verification
PAN
Income Proof Latest Form 16 and Salary Slips
Bank Statement Bank statement of last 3 months
Employment Continuity Proof Work Experience Certificate
ITR of Form 16
Salary Slip with Joining Date
Appointment Letter
Letter of Relieving

Self-Employed Individuals

Category Documents Required
Identity Proof (Any 1) Driving License
Aadhaar Card
Passport
PAN
Voter ID
Address Proof (Any 1) Driving License
Aadhaar Card
Passport
PAN
Voter ID
Date of Birth Proof (Any 1) Birth Certificate
Passport
Driving License
PAN
Signature Proof (Any 1) Passport
Bankers Verification
PAN
Income Proof Latest Form 16 and Salary Slips
Bank Statement Bank statement of last 3 months
Employment Continuity Proof Shop & Establishment Act Certificate
Current Account Statement
SSI or MSME Registration Certificate
Sales Tax or VAT Certificate
Business Proof Current Account Statement
Telephone Bill
Electricity Bill
Shop & Establishment Act Certificate
SSI or MSME Registration Certificate
Sales Tax or VAT Certificate
Registered Lease Document with other utility bills

Self-Employed Non-Individuals:

1. Partnership Firms/Societies

Category Documents Required
Identity Proof (Any 1) Driving License
Aadhaar Card
Passport
PAN
Voter ID
Address Proof (Any 1) Driving License
Aadhaar Card
Passport
PAN
Voter ID
Income Proof Audited Balance Sheet
P&L Account and ITR for the previous 2 years
Bank Statement Bank statement of last 3 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 Copy of Latest MOA
Copy of Incorporation
Copy of Latest AOA
Address Proof (Any 1)
Current Account Statement
Telephone Bill
Electricity Bill
Shop & Establishment Act Certificate
SSI or MSME Registration Certificate
Sales Tax or VAT Certificate
Registered Lease Document with other utility bills
Income Proof Audited Balance Sheet
P&L Account and ITR for the previous 2 years
Bank Statement Bank statement of last 3 months
Business Continuity Proof Shop & Establishment Act Certificate
Current Account Statement
SSI or MSME Registration Certificate
Sales Tax or VAT Certificate
Additional documents
List of Directors and Shareholding Partners
PAN Card
Board Resolution
Certificate of Commencement of Business for Ltd. Co.

Uttar Bihar Gramin Bank Car Loan EMI Calculator

The borrower can know the EMI’s before taking a Car Loan. You can easily check it through the link below:

Car Loan EMI Calculator

Uttar Bihar Gramin Bank Car Loan Types

Uttar Bihar Gramin Bank provides various types of car loans to its customers. You can choose the type of Car Loan you wish to take as per your requirements.

  1. New Car Loan – Take this loan if you want to buy a new car. The Car Loan can be taken for a minimum of Rs. 1 lakh for at least 7 years.
  2. Used Car Loan – If you wish to buy a used car, go for this scheme. It offers a minimum loan amount of Rs. 1 lakh for at least 5 years.
  3. Loan Against Car – You can opt for this scheme if urgent funds are required. You can keep your cars as collateral with the bank so that you get Rs. 10 lakh or for a car value of up to 50% .

Uttar Bihar Gramin Bank Car Loan Pre Calculated EMI

How to Apply for Uttar Bihar Gramin Bank Car Loan?

  1. Visit Dialabank.
  2. A form will be available on the top of the page.
  3. Fill the form with your contact details.
  4. Our Relationship Manager will guide you throughout the process.
  5. You can compare different offers from banks and choose the one that works the best for you.
  6. Our Customer Relationship officer will help you get the right Car Loan.

Uttar Bihar Gramin Bank Car Loan for Top Selling Cars

FAQs for Uttar Bihar Gramin Bank Car Loan

✅ What is the Uttar Bihar Gramin Bank Car Loan?

Uttar Bihar Gramin Bank car loan is the loan amount provided to buy a new or old car.

✅ How can I get a Car Loan from Uttar Bihar Gramin Bank ?

  1. Visit Dialabank and fill a form.
  2. Wait for a call from our Relationship Manager who will guide you throughout the process.
  3. You can compare different offers from banks and choose the one which suits your needs.
  4. You can easily apply for a Car Loan through Dialabank and get the best offers.

✅ How does Uttar Bihar Gramin Bank Car Loan work?

When applying for a car loan, a document verification process is required. After the documents are verified, the loan amount is credited to the bank account.

✅ What is the Car Loan Interest Rate in Uttar Bihar Gramin Bank?

The interest rate for Uttar Bihar Gramin Bank Car Loan starts at

7% per annum

.

✅ How to Check Car Loan status in Uttar Bihar Gramin Bank?

You can track your car loan status online on the Uttar Bihar Gramin Bank website.

✅ How to Calculate Car Loan Interest in Uttar Bihar Gramin Bank?

Use Dialabank’s EMI calculator to find out the interest applicable as well as the EMI options available for your loan.

✅ What is the maximum loan amount I can avail of on a Car Loan from Uttar Bihar Gramin Bank?

The maximum loan amount you can get from Uttar Bihar Gramin Car loan up to 90% of the On Road Price.

✅ What is the loan tenure of the Uttar Bihar Gramin Bank Car Loan?

The loan tenure of the Uttar Bihar Gramin Bank Car Loan is available for a maximum of 7 years.

✅ Can I get a 100% Car Loan from Uttar Bihar Gramin Bank?

Yes, you can get a 100% of Ex-showroom Price car loan from Uttar Bihar Gramin Bank.

✅ How much Processing Fee is applicable to Uttar Bihar Gramin Bank Car Loan?

Uttar Bihar Gramin Bank charges a processing fee of 0.40% Only.

✅ What are the EMI options available on the Uttar Bihar Gramin Bank Car Loan?

Uttar Bihar Gramin Bank provides two EMI options, Step-up EMI and Balloon EMI.

✅ What are the charges for Prepayment in Uttar Bihar Gramin Bank Car Loan?

You can prepay/foreclose your Uttar Bihar Gramin Bank Car Loan with no foreclosure charges.

✅ Do I need to provide a guarantor to avail a car loan from Uttar Bihar Gramin Bank?

You don’t need a guarantor for a car loan. However, you may need a guarantor if you don’t fulfill the eligibility criteria.

How to get the Uttar Bihar Gramin Bank Car Loan Statement?

Get the statement in person by visiting your branch and requesting for it or get it online. To do this, you should have Uttar Bihar Gramin Bank internet banking activated.

✅ How to Pay Uttar Bihar Gramin Bank Car Loan Interest Online?

Simply login to online Uttar Bihar Gramin Bank payment to ‘see and pay’ your bills. You also get an electronic acknowledgment for every bill paid by you using e-PAY. Paytm can also be used to make the payment.

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

Uttar Bihar Gramin Bank imposes 24% of the pending amount or a Fee ranging around Rs.500 for not paying the EMI for 3 months.

✅ How can I apply for EMI Moratorium on Uttar Bihar Gramin Bank Car Loan?

You can apply for EMI Moratorium on Uttar Bihar Gramin Bank Car Loans directly from the Bank website’s Loan corner.

✅ What is the number for the Uttar Bihar Gramin Bank Car Loan agent?

Call Dialabank on 9878981166 as it is one of the most trusted Uttar Bihar Gramin Bank Car Loan agents. We ensures the best offers on your Car Loan.

✅ Can I close the Uttar Bihar Gramin Bank car loan online?

Uttar Bihar Gramin Bank car loans can be closed by visiting the nearest branch and clearing off the outstanding amount.

✅ What is Uttar Bihar Gramin Bank Car Loan Customer Care Number?

Call 9878981166 and clear any of your queries with us anytime.

✅ How can I get NOC from Uttar Bihar Gramin Bank for a Car loan?

You can get NOC directly from the bank branch for Uttar Bihar Gramin Bank Car Loans.

✅ What are the Uttar Bihar Gramin Bank Car Loan preclosure charges?

Uttar Bihar Gramin Bank Car Loan Preclosure charges are up to 6%+ GST.

✅ What is the Uttar Bihar Gramin Bank Car Loan closure procedure?

  • Go to the bank with the documents.
  • Write an application for pre-closure of the Car Loan account.
  • Pay the pre-closure charges as chargeable.
  • After the pending amount is paid back, the Uttar Bihar Gramin Bank Car Loan account can be closed.

✅ What is the Uttar Bihar Gramin Bank Car Loan maximum tenure?

The Uttar Bihar Gramin Bank Car Loan maximum tenure is 7 years.

✅ What is the Uttar Bihar Gramin Bank Car Loan minimum tenure?

The Uttar Bihar Gramin Bank Car Loan minimum tenure is 1 year.

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