Car Loan Khliehriat

Car Loan Khliehriat

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Best Banks for Car Loan in Khliehriat

Car Loan Khliehriat Features

⍟ Loan Approval in 30 Minutes
⍟ Lowest Rate of Interest
⍟ Up to 100% on Road Loan
⍟ Minimum Documentation
⍟ Paperless Process
⍟ Flexible Repayment
⍟ Zero Foreclosure
⍟ 24 x 7 Online Payment Facility
⍟ No Hidden Charges

Car Loan Khliehriat

Car Loan Khliehriat Eligibility Criteria

Salaried Individual	Age – 21 years to 60 years Net Monthly Income – Minimum ₹ 20,000 Employment Duration – 1-year minimum Income Eligibility – Based on Form 16 and salary slip
Self-Employed Individuals	Age – 21-65 years of age Minimum ITR – Rs.2 lakh Employment Duration – Minimum 3 years Income Eligibility – Depends on the latest Income Tax Returns
Self-Employed Non-Individuals (Company/Partnership)	Minimum ITR – Rs. 2 lakh Employment Duration – 3 years minimum The applicant has to present IT returns and audited financials of 2 years with Calculated Income.
Priority Customers	At least 6-month vintage Average Quarterly Balance – 2 quarters balance at a minimum of Rs.1 lakh Maximum Loan Amount – 3 times the Average Quarterly Balance of the last 2 Quarters

Car Loan Khliehriat EMI Calculator

Car Loan Khliehriat Fees & Charges

Charges	New Car Loan	Used Car Loan
Interest Rate	7.35% per annum	11.80% p.a. to 13.80% p.a.
Car loan Processing fees	0.5%	0.5%
Issuance of Duplicate Repayment Schedule Charges	Around Rs.500	Around Rs.500
Foreclosure Charges	0.06	0.06
Penal Interest	2% PM	2% PM
Car loan Part Payment charges	6% of the amount	6% of the amount
Cheque/Instrument Swap Charge	Around Rs.500	Around Rs.500
Documentation Charge	Around Rs. 500	Around Rs. 500
Issuance of Duplicate No Dues Certificate Charges	Around Rs. 500	Around Rs. 500
Registration Certification Collection Charge	Around Rs. 200	Around Rs. 200
Cheque Bounce/Instrument Return Charges	Around Rs. 500	Around Rs. 500
Issuance of Duplicate Statement Charges	Around Rs. 500	Around Rs. 500
Loan Cancellation/Re-booking Charges	Around Rs. 1000	Around Rs. 1000
Issuance of Credit Report	Around Rs. 50	Around Rs. 50

Car Loan Khliehriat Fees and Charges: Leading Banks – Apr 21 2025

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

Car Loan Khliehriat Documents Required

Salaried Individual

Category	Documents Required
Identity Proof (Any 1)	Passport Voter ID Aadhar Card Driving License
Address Proof (Any 1)	Aadhar Card PAN Driving License Electricity Bill
Date of Birth Proof(Any 1)	Passport Birth Certificate High School Marksheet Driving Licence
Signature Proof(Any 1)	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 (Any 1)	PAN Card Passport Voter ID Aadhar Card
Address Proof (Any 1)	PAN Card Voter ID Passport Electricity Bill
Date of Birth Proof (Any 1)	Birth Certificate Passport Driving Licence PAN
Signature Proof (Any 1)	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:

1. Partnership Firms/Societies

Category	Documents Required
Identity Proof (Any 1)	Driving Licence PAN Card Aadhar Card Passport
Address Proof (Any 1)	Electricity Bill/Telephone Bill Aadhar Card Driving License Voter ID
Income Proof	Audited Balance Sheet P&L Account ITR for the previous 2 years
Bank Statement	Last 6 month
Business Continuity Proof	Company ITR of the last 2 years Audited Balance Sheet TAX registration Certificate Current Account Statement
Additional documents	Letter of Authority or PAN Card

2. Private Limited/Limited Companies

Category	Documents Required
Identity Proof	The latest copy of MOA and AOA Copy of Incorporation
Address Proof (Any 1)	SSI/MSME Registration Certificate Telephone Bill Electricity Bill Shop & Establishment Act Certificate Sales Tax Certificate
Income Proof	Audited Balance Sheet P&L Account and ITR for the previous 2 years
Bank Statement	Previous 6 Months
Business Continuity Proof	P&L account and ITR of the Company of the past 2 years Audited Balance Sheet Shop & Establishment Act Certificate
Additional documents	List of Shareholding partners and Directors Board Resolution PAN Card Certificate of Commencement of Business for Ltd. Co.

How to Get the Best Car Loan Interest Rates in Khliehriat

The interest rate offered by banks in Khliehriat varies for every individual. To see the points which banks consider, check the points given below –

Credit score plays an important role. Lenders check for credit scores while deciding the loan interest rate. For a good credit score, they provide loans at lower interest rates.
If the time for repaying the loan amount is more, the borrower would have to give more funds for interest rate. Therefore, to get a loan at a low-interest rate, choose a short time for repayment.
The debt to income ratio also matters in getting a loan at a lower interest rate. If the lender finds out the Debt to income ratio is low, they provide a loan at a lower interest rate.
The above mentioned pointed to consider after choosing the bank. However, before that, one should check and compare the interest rate offered by different banks in Khliehriat.

How to Apply for a Car Loan in Khliehriat?

Visit Dialabank
Go to the loan section and select auto loan, followed by the car loan link.
The applicant will be directed to all the car loan details where they can choose their preferred city.

Which Bank in Khliehriat Offers the Best Car Loans?

To get the best offers for auto loans, an applicant must research and compare the interest rates, processing fees and flexibility in repayment options offered by lenders. By considering this, you can shortlist and pick up the bank which offers loans with the best deals for you.

Car Loan for Major Car Manufacturers in Khliehriat

TABLE WILL APPEAR

Processing Fees / Prepayment Charges on Car Loan Khliehriat

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 Khliehriat

CIBIL score is required for getting a car loan in Khliehriat. This score gives lenders an idea about the loan experience of the borrower. Lenders usually want this to be 750 and above. If they find borrowers credit score in good criteria, they give loans easily, and the loan procedure also becomes smooth. Another benefit given to the borrower for a good CIBIL score is loan is offered at a lower interest rate.

If your CIBIL score is low, there are more chances of getting loan applications declined. Even if you get a loan, it would be with a higher interest rate. So, To get a loan with good deals, you need to maintain a CIBIL score.

Car Loan Khliehriat Contact Number

In case of any queries regarding the car loan in Khliehriat, you may contact on the number 9878981166 for any assistance.

Pre Calculated EMI Table for Car Loan Khliehriat

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 Khliehriat

Khliehriat is the headquarters of the East Jaintia Hills district in the Meghalaya state of India. If you want to take a car loan from Khliehriat, visit our website and get the loan at a low-interest rate.

FAQ’s About Khliehriat Car Loan

✅ What types of vehicles can I purchase through Khliehriat auto loan?

Car loans can be used to buy various passenger vehicles, such as SUVs, MUVs, and other vehicles. You can also get this loan to acquire a vehicle for business purposes.

✅ Is it possible to acquire a loan in Khliehriat on my current vehicle?

Yes, if you have a strong payment history with your current lender in Khliehriat, many lenders will grant you a loan on your current vehicle.

✅ What options do I have for repaying my Khliehriat auto loan?

Three possibilities for repaying your Khliehriat loan are Standing Instruction (SI), Electronic Clearing Service (ECS), and Post-Dated Cheques (PDCs). You usually return your Khliehriat loan using the first two options because they are speedier and have a lower.