Tjsb Sahakari Bank Ltd Car Loan Interest Rate at 8.95% onwards
| INTEREST RATE | 8.95% onwards |
| LOAN TENURE | Max. 84 EMI |
| PROCESSING FEE | As decided by the bank from time to time |
| GUARANTOR REQUIRED | Two Acceptable Guarantors |
| PRE CLOSURE CHARGES | As decided by the bank from time to time |
About Tjsb Sahakari Bank Ltd
Tjsb Sahakari Bank Ltd is a Co-operative bank in india. It has headquarter in Mumbai.
Tjsb Sahakari Bank Ltd was founded on 1972. It has 206 branches andIt provides all the financial services to its customers like saving deposit, fixed deposit, recurring deposit, home loans, personal loan, car loan, education loan, gold loan, PPF account, lockers, netbanking, mobile banking, RTGS, NEFT, IMPS, E-Wallet, Atal Pension Yojana, Pradhan Mantri Jandhan Yojana, Pradhan Mantri Suraksha Bima Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana and many more.
Find details about Tjsb Sahakari Bank Ltd which includes Tjsb Sahakari Bank Ltd Official Website, Tjsb Sahakari Bank Ltd ATMs accross the India, Tjsb Sahakari Bank Ltd Branches accross the India, Tjsb Sahakari Bank Ltd Contact Numbers, Tjsb Sahakari Bank Ltd official EmailID, Tjsb Sahakari Bank Ltd Headquarter and Tjsb Sahakari Bank Ltd Headquarter Address. Find Tjsb Sahakari Bank Ltd Car loan purpos, Eligibility, Margin, Repayment of Car Loan ,Security, Documents Required for Car Loan from below.
Other Products of Tjsb Sahakari Bank Ltd:
| Home Loan | Personal Loan |
| Education Loan | Business Loan |
| Car Loan | Two Wheeler Loan |
| Gold Loan | FD Interest Rates |
| RD Interest Rates | Bank ATMs |
| PPF Account |
Tjsb Sahakari Bank Ltd Car Loan Purpose
To purchase new four wheeler and second hand four wheeler (up to 3 years old only) for personal use..Tjsb Sahakari Bank Ltd Car Loan Eligibility
- Age: 21 to 60 years.
- Permanent employees of State/Central Govt., Public Sector Undertakings, Corporations, Private Sector Companies and reputed establishments.
- Professionals, self-employed and others who are income tax assessees and persons engaged in agriculture and allied activities.
Tjsb Sahakari Bank Ltd Car Loan Documents Required
- Applicant's latest photograph.
- Age Proof- Mark sheets/pass certificates of S.S.C., H.S.C, Degree courses (Optional)
- KYC (Know Your Customer) Documents.
- Identity Proof (any one): Voter's ID, PAN card, driving license, passport.
- Address Proof (any one): Voter's ID, PAN card, driving license, passport, electricity bill, telephone bill or ration card.
- Income Proof (any one): Latest salary slip, previous year's Form 16, bank statement for the last 6 months.
- Bank Statement or Bank Pass Book of having entries of last 6 months
Tjsb Sahakari Bank Ltd Car Loan Amount
Maximum Upto Rs. 50.00 LakhOR
Ex-Showroom Cost + Registration- Discount-Exchange amount
whichever is less.
Margin
0% - 20% of On-Road costTjsb Sahakari Bank Ltd Car Loan Repayment
Maximum 84 months OR till the retirement age if Salaried whichever is earlier.In case of Old vehicle upto 3 years only, Maximum repayment tenure upto 36 months.
Security
Hypothecation of vehicle.Two Acceptable Guarantors.
Tips to Manage Car Loan in a Better Way
(1) Make Proper Schedule for EMIs to be paid
You must make a proper schedule for payment of your EMIs in time and without any hassle or burden.
(2) Never Skip any Payment
Automatic transfer from your bank account is the best option that will make sure that the EMIs are paid every month without fail. In this way, none of the EMIs will skip. This will also help improving your credit score.
(3) Keep Loan Tenure Small
You must keep the car loan tenure as small as possible if your finances permit. It will be beneficial for you in two ways. First, you will get rid of loan in an early manner and second, your interest outgo will be very less as compared to longer tenure car loans.
(4) Make one Extra Payment Every Year
You must try to make an extra payment of loan amount each year. You can do so when you receive any funds like bonus etc. It will reduce your loan tenure or EMIs.
(5) Refinance your Car Loan
You must keep watching other institutions who are offering car loans and their interest rates. If other institution is offering you a car loan at lower interest rate, it would be beneficial to get your car loan refinanced from that institution.
Benefits of Car Loan
- Higher Loan Amount: Banks offer you a car loan of up to 80-100% of the on-road price of the car in case of new cars. The on-road price of a car includes the ex-showroom price, state government tax and insurance cost of the car.
- No Need to Liquidate your Investments: If you avail car loan then there is no need to liquidate your investments which you have made for some other purposes.
- Flexible Tenure: You can go for any loan repayment tenure ranging from 1 year to 7 years according to your choice.
- Tax Benefits: Car Loan can help you save on tax if you are a self-employed person/ businessman and use the car for legitimate business purposes. If you are a self-employed person/ businessman, you can claim the interest paid on car loan as a business expense. In this way, your taxable income will get reduced by the amount of interest you have paid in a financial year on car loan.
Contact details of Tjsb Sahakari Bank Ltd, Tjsb Sahakari Bank Ltd SMS balance check number, Tjsb Sahakari Bank Ltd SMS banking, Tjsb Sahakari Bank Ltd mobile banking, Tjsb Sahakari Bank Ltd toll free number,Tjsb Sahakari Bank Ltd toll free number 24*7, Tjsb Sahakari Bank Ltd miss call number.
- MISSED CALL NUMBERS - 9212005550
- CUSTOMER CARE NUMBERS - 1800223466, 18002663466
- CONTACT NUMBERS - 022-25878500, 1800223466, 18002663466
Tjsb Sahakari Bank Ltd Contact Details
- BANK OFFICIAL WEBSITE - https://www.tjsbbank.co.in
- CONTACT NUMBERS - 022-25878500, 1800223466, 18002663466
- EMAIL ID - [email protected]
- MISSED CALL NO. - 9212005550
- CUSTOMER CARE NO. - 1800223466, 18002663466
- TOTAL BRANCHES - 206
- TOTAL ATMS - 130
- HEADQUARTER - Mumbai
- BANK ADDRESS - TJSB House, Plot No. B-5, Road No.2, Wagle Industrial Estate, Thane (W) - 400604
Tjsb Sahakari Bank Ltd Car Loan FAQs Car Loan Document Required
