Existing and New to Bank customers (individual applicants), of under noted categories:
Salaried (including short commissioned officers in defense establishments)
Pensioners
Self-employed Professionals, Proprietor, Partner and other IT assesses including businessmen & traders.
Persons engaged in Agriculture and Allied activities.
Age Limit
Minimum Age
21 years
Maximum Age
57 years
Loan must be fully repaid before the borrower completing the age of 60 years
Income
Salaried: Minimum Net Annual Income should be Rs.3 Lakhs.
Pensioners: Minimum Net Annual Income should be Rs.3 Lakhs.
Self-employed Professionals, Proprietor, Partner, and other IT assesses including businessmen & traders: Net Profit or Gross Taxable income of Rs.3 Lakhs p.a.
Agriculturists: Minimum Net annual should be Rs.4 Lakhs.
Loan Amount
Minimum
Rs.1.50 Lakhs
Maximum
Rs. 25 Lakhs
EMI/NMI
Up to 50% for all applicants.
LTV
85 % of Ex-showroom
Margin
15% of ex-showroom cost of the vehicle
Processing Fee
2% of the loan amount
Maximum: Rs. 10000/-
Term
Upto 48 Months or before the borrower completing 60 Years of Age, whichever is earlier.