Car Loan Pathsala

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Best Banks for Car Loan in Pathsala

Feature	HDFC Bank	Private 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 Pathsala Features

Nowadays a car is a need. As it makes lives simpler. It also reduces the stress of travel and you can reach the destination whenever you want. Now the days of saving and waiting for the car are over. Dialabank financial services help customers to compare, analyze and choose the best loans available in the market across several financial institutions.

Almost all the major lending institutions and banks provide car loans at an attractive interest rate without much paperwork. Other than a brand new car, you can also purchase a pre-owned car or used car using a used car loan that is offered by numerous financial institutions. Get best offers on car loans only on applying with DialaBank.

Car Loan Pathsala 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 Pathsala 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 no. 16
Residence Proof: Ration card / Driving license / Voters card / Passport Copy / Telephone Bill / Electricity Bill / Life Insurance Policy /PAN Card
Bank Statement: Last six 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 six months.

Car Loan Pathsala 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: One year in current employment and a minimum of two years of employment
Minimum Annual Income: Rs.100000 as 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
Minimum Annual Income: Net profit near to 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 Pathsala

TABLE WILL APPEAR Apply for a Car Loan

Processing Fees / Prepayment Charges on Car Loan Pathsala

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 Pathsala

Banks and NBFCs consider CIBIL score as an important criterion before approving for a loan. It signifies the creditworthiness of any individual. The minimum CIBIL score requirement for financing a car vary from bank to bank. Generally, a score above 800 is considered to be decent for any individual to be eligible to apply for a car loan.

The credit history of any applicant must be free of any pending dues or debts to avoid any inconvenience in applying for a loan. Hence, it is advisable to check your credit score beforehand itself and rectify and correct the dues to ensure a smooth loan approval process.

Car Loan Pathsala Agent Contact Number

To avail instant car loans you can visit our website Dialabank or feel free to call on 9878981166. Our employees are always ready to assist you.

Pre Calculated EMI Table for Car Loan Pathsala

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 Pathsala

About Pathsala

Pathsala is a small town and district headquarter of Bajali district in the Indian state of Assam with a population of 11,242 and an area of 2.74 square kilometres. Well known for its mobile theatres spreading niche entertainment around and beyond the state. Pathsala is also one of the top educational hub of Assam for having a number of educational institutes. Pathsala Town has a population of 11,242.

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