Sebanti Roy Chowdhury

Used Car Loan Product Page used car loan used car loan interest rate second hand car loan used car loan financing pre owned car loan used car interest rates used car loan rates pre owned car loan interest rate car loan for second hand car used car finance rates used car loan eligibility used car loan documents Description - 160 Characters Used Car Loan (Brief Intro) 300 ICICI Bank also offers pre-owned car loans. With faster processing, ICICI Bank Car Loan makes it possible to own wide range of certified/pre-owned cars quite conveniently. Pre-Owned Car Loan Features: Insta Car Loan customers can avail loan upto 80% of offer amount Loan tenure up to 5 years Attractive rate of interest Easy documentation HDFC Bank is the largest player in the Pre-owned Car Loan. We provide up to 100% finance for used cars, with hassle-free processing, minimal documentation and instant disbursal. Used Car Loan by Muthoot Capital A loan for used car is the best way to easily buy your dream vehicle. The used car loan allows you freedom to buy the car you want by paying small installments that you can afford every month. You can own a car at affordable interest rates and flexible repayment options. You are set to experience the joy of owning your own vehicle when you apply for a used car loan.Your dream of owning a vehicle is now easily a reality! Ride your own four-wheeler with our Used Car Loans, as we offer to you the best deals for financing used cars with hassle-free procedures, low-interest rates and faster approval of loans. IS IT BETTER TO BUY A USED CAR WITH CASH OR FINANCE? Taking finance or paying cash for a second hand car should depend on your budget and requirement. A loan for a used car is considered a better option as it does not burden your finances, and allows you to pay off the cost of the vehicle in easy monthly installments over a certain tenure. If you have a good credit score, you can get a lower interest rate on the used cars loan, making the finance option better. ABOUT USED CAR LOANS Opting for a used car loan is a smart, value-for-money purchase. We offer used car loans for a wide collection of cars ranging from hatchbacks & SUVs to premium sedans. We extend loans up to 95% loan on your car value and provide flexible EMI repayment options, and quick disbursal of loans which makes Tata Capital the best choice for financing your car. Now get a Used Car Loan up to ₹50 lakhs from Tata Capital. Tata Capital’s Pre Owned Car Loan offers used car Loans with easy documentation and competitive interest rates. Your favourite Car is just a click away. Loan Amount Avail of loans up to Rs.2.5 crore on a wide range of used cars and multi-utility vehicles  Get between 3 to 6 times your yearly income, and borrow up to 100% of the value of the car* *Age of Car at loan maturity should not cross 10 years, subject to maximum loan tenure of 60 months Unmatched service Benefit from end-to-end advisory -- from research to title transfer Get personalized help to choose a car that meets your specific needs Enjoy preferential pricing if you are a HDFC Bank customer Avail of customized and convenient repayment plans with pocket-friendly EMIs Flexible Repayment Tenure Flexible repayment tenures from 12 months to 84 months Quick and easy Processing and approval Experience transparent hassle-free processing, quick approvals and speedy disbursals Track your application anytime, anywhere. Get status updates about your loan application at every stage  Enjoy doorstep service and quick and easy documentation Check your loan eligibility in just 60 seconds Loan without income document Get 80% of the value of the car as loan amount for 3 years without income proof Get 85% of the value of the car as loan amount for 5 years without income proof Buying assistance Compare, research and read reviews for used cars on HDFC Bank’s Car Bazaar Search for cars by Brand, Price and EMI **Offers on specific models. Terms & conditions apply.  The following people are eligible to apply for a Pre-Owned Car Loan: Salaried Individuals: This includes doctors, CAs, employees of private limited companies, employees from public sector undertakings, including central, state and local bodies Individuals who are a minimum of 21 years of age at the time of applying for the loan, and no older than 60 at the end of the loan tenure Individuals who have had a job for at least 2 years, with a minimum of 1 year with the current employer Those who earn a minimum of Rs. 2,50,000 per year, including the income of the spouse Self Employed Individuals (Sole Proprietorship): This includes self-employed sole proprietors in the business of manufacturing, trading or services Individuals who are a minimum of 25 years of age at the time of applying for the loan, and no older than 65 at the end of the loan tenure Those who have been in business for a minimum of 3 years Should earn at least Rs. 2,50,000 per annum Self Employed Individuals (Partnership Firms): This includes self-employed partners in the business of manufacturing, trading or services Individuals who earn at least Rs. 2,50,000 per annum Those who have a minimum turnover of Rs. 4,50,000 per annum Individuals who have a residence or office telephone line. A post-paid mobile phone that is a minimum of three months old is acceptable if only one landline is available Self Employed Individuals (Private Limited Companies): This includes individuals who own a private company in the business of manufacturing, trading or services Should earn at least Rs. 2,50,000 per annum Individuals who have an office landline Self Employed Individuals (Public Limited Companies): This includes directors in public limited companies that are in the business of manufacturing, trading or services Should earn at least Rs. 2,50,000 per annum Individuals who have an office landline Self Employed Individuals (Hindu Undivided Family - HUF): This includes self-employed individuals in a business that falls under HUF Should earn at least Rs. 2,50,000 per annum Individuals who have a residence and office telephone line. A post-paid mobile phone that is a minimum of three months old is acceptable if only one landline is available The Karta should be the co-applicant in his individual capacity The following documents are required along with your New Car Loan application: Salaried Individuals: Any of the following documents as identity & Address Proof: Valid Passport Permanent Driving license [recent, legible, laminate] Voters ID Card Job card issued by NREGA Letter issued by the National Population Register containing details of name & address Aadhar Card(only if Submitted voluntarily & backed by Aadhar consent Letter.1st 8 digits of Aadhar Number on physical copy to be redacted)Aadhar Card can be Physical Aadhar or Print out of e- Aadhar (not older than 30 days from the date of application). All the following documents as proof of income: Latest Salary Slip Latest Form 16/Latest ITR HDFC Bank corporate salary account statement for salary credits above Rs. 80,000 for the previous 3 months Any of the following as sign verification proof: Passport Copy Photo Driving License with DOB (recent, legible, laminated) Credit Card Statement with Credit Card Copy Banker's Verification Copy of Margin Money Paid to the Bank Self Employed Individuals (Sole Proprietorship): Any of the following documents as identity & Address Proof: Valid Passport Permanent Driving license [recent, legible, laminate] Voters ID Card Job card issued by NREGA Letter issued by the National Population Register containing details of name & address Any of the following as sign verification proof: Passport Copy Photo Driving License with DOB (recent, legible, laminated) Credit Card Statement with Credit Card Copy Banker's Verification Copy of Margin Money Paid to the Bank Self Employed Individuals (Partnership Firms): Partnership deed as age proof Partnership deed as identity proof Latest ITR/Previous ITR with Adv. Tax paid Challan / latest IT assessment order as proof of income. In case the business turnover exceeds Rs. 40 Lakhs, or the professional turnover exceeds Rs. 10 Lakhs, the balance sheet needs to have been audited, and in which case the latest Income Tax Return need not be taken Any of the following documents as address proof: Partnership Deed Telephone Bill Electricity Bill Any of the following as sign verification proof: Passport Copy Photo Driving License with DOB (recent, legible, laminated) Credit Card Statement with Credit Card Copy Banker's Verification Copy of Margin Money Paid to the Bank Self Employed Individuals (Private Limited Companies) Memorandum and Articles of Association/Certificate of Incorporation as age proof Memorandum and Articles of Association/Certificate of Incorporation as identity proof Latest ITR and audited balance sheet along with profit & loss account as proof of income Any of the following documents as address proof: Memorandum and Articles of Association Certification of Incorporation Telephone Bill Electricity Bill Any of the following as sign verification proof: Passport Copy Photo Driving License with DOB (recent, legible, laminated) Credit Card Statement with Credit Card Copy Banker's Verification Copy of Margin Money Paid to the Bank Self Employed Individuals (Public Limited Companies): Memorandum and Articles of Association/Certificate of Incorporation as age proof Memorandum and Articles of Association/Certificate of Incorporation as identity proof Latest ITR and audited balance sheet along with profit & loss account as proof of income Any of the following documents as address proof: Memorandum and Articles of Association Certification of Incorporation Telephone Bill Electricity Bill Any of the following as sign verification proof: Passport Copy Photo Driving License with DOB (recent, legible, laminated) Credit Card Statement with Credit Card Copy Banker's Verification Copy of Margin Money Paid to the Bank Features of Used Car Loan 500 Used Car Loan Eligibility 100 Used Car Loan Eligibility In order to find out if you meet our used car loan eligibility, you have to fulfill only a few conditions after which we process your loan. 01 Salaried / Self-employed person / Agriculturist 02 Age between 21(at the time of application) and 65(at the end of the loan tenure) 03 Minimum net Salary – 15,000 p.m / net profit of Rs.1, 50,000/- p.a. Eligibility and Documents Required for Used Car Loan         Following are the general used car loan eligibility factors – Age – The age of the applicant must be between 21 and 65 years. Income – The income of the applicant must be at least Rs. 20,000 per month (for salaried individuals) and Rs. 2 lakhs per annum (for self-employed individuals). Work Stability – The applicant must have a stable employment status for a minimum of one year or stable business status for a minimum of three years.  Following are the general used car loan documents – Photo Identity Proof documents – Voter’s ID/Passport/PAN Card/Driving License/Aadhaar Card Income Proof documents – Copy of past three months’ bank statements, Copy of Income Tax Returns (ITR)/audited Balance Sheet and Profit and Loss Statements along with past three months’ Bank Statements Copy of Salary Slips for past three months Address Proof documents – Ration Card/Electricity Bill/Passport, Copy of Utility Bill/Bank Statements/Property Registration documents/Property Tax Receipt Copy of Vehicle Registration Certificate Copy of telephone or mobile bill Copy of signature along with proof   The pre-owned car loan eligibility and documentation requirements will vary depending on whether you’re a salaried individual or self-employed individual.   USED CAR LOAN ELIGIBILITY   The following is the used car loan eligibility criteria for salaried individuals – The loan applicant’s age must fall within the prescribed range of 21 to 60 years The applicant must have a minimum monthly salary of Rs. 20,000 The applicant must have a minimum of one-year work experience.      Salaried individuals need to submit the following used car loan documents – Copy of photo identity proof documents like Voter ID/Aadhaar Card/PAN Card/Passport/Driving License along with passport-sized photographs Copy of past three months’ Salary Slips for income proof Copy of address proofs like Ration Card/Electricity Bill/Passport Copy of Vehicle’s Registration Certificate Copy of Telephone or Mobile Bill  DOCUMENTS REQUIRED FOR USED CAR LOAN Photo Identity Proof Copy of photo identity proof documents like Voter ID/Aadhaar Card/PAN Card/Passport/Driving License along with passport-sized photographs Salary Slips A Copy of your Salary slips for the last three months Address Proof Copy of address proofs like Ration Card/Electricity Bill/Passport  Vehicle Registration Certificate Copy of Vehicle’s Registration Certificate  Telephone/Mobile Connection Copy of Telephone or Mobile Bill  CHECK FEES AND CHARGES  USED CAR LOAN ELIGIBILITY   Self-employed individuals must meet the following used car loan eligibility criteria – The loan applicant must also be the proprietor. The applicant’s age must be between 21 and 65 years. The business must be up and running at least for the past three years. The applicant must have a minimum income of Rs. 2 lakhs per annum. Asset Backed Security (ABS) must be 0.5 times the EMI.    Self-employed individuals need to furnish the following used car loan documents – Copy of photo identity proofs – Driving License/Voter’s ID/PAN Card/Passport/Aadhaar Card along with passport size photographs Copy of the applicant’s signature with proof of the signature Copy of address proof documents such as Utility Bills/Bank Statements/Property Registration documents/Property Tax Receipt/Voter’s ID Copy of Income Tax Returns (ITR), audited Balance Sheet and Profit and Loss statements along with Bank Statements for the past three months Copy of telephone or mobile bill  DOCUMENTS REQUIRED FOR USED CAR LOAN Photo Identity Proof Driving License/Voter’s ID/PAN Card/Passport/Aadhaar Card along with passport size photographs  Signature Proof Copy of the applicant’s signature with proof of the signature Address Proof Copy of address proof documents such as Utility Bills/Bank Statements/Property Registration documents/Property Tax Receipt/Voter’s ID Income Proof Copy of Income Tax Returns (ITR), audited Balance Sheet and Profit and Loss statements along with Bank Statements for the past three months  Telephone/Mobile Connection Copy of telephone or mobile bill  USED CAR LOAN ELIGIBILITY   Either the Firm or the Individual partner must have an income of ₹2,00,000 per annum 3 Months Bank Statements are required and ABB should be 0.5 times EMI Telephone or Mobile connection is required DOCUMENTS REQUIRED FOR USED CAR LOAN Photo Identity Proof A copy of your Voter ID / Passport / Driving License / Aadhaar Card Income Proof A copy of your three Months Bank Statements are required and Accelerated Book Build should be 0.5 times EMI & Audited Balance Sheet & Profit and Loss Statement. Business Proof A copy of your company's registered Partnership Deed / Certificate of Incorporation of public and private limited companies including Memorandum and Articles of Association along with a copy of the Commencement of Business certificate Telephone/Mobile Connection A copy of your telephone / mobile bill is required USED CAR LOAN ELIGIBILITY   The individual should have income of  ₹2 lakhs per annum Landline connection at office 3 Months Bank Statements are required and ABB should be 0.5 times EMI DOCUMENTS REQUIRED FOR USED CAR LOAN Photo Identity Proof A copy of your Voter ID / Passport / Driving License / Aadhaar Card along with a photograph Address Proof A copy of your Utility Bill / Bank Statements / Property Registration Documents / Property Tax Receipt / Voter ID Income Proof A copy of your Income Tax Return documents, Audited balance sheet & Profit and Loss statement along with your Bank Statements for the last 3 months Certificate of Ownership A copy of your Registered Partnership Deed or Certificate of Incorporation of Public and Private Limited Companies including Memorandum and Articles of Association Telephone/Mobile Connection A copy of your telephone / mobile bill is required Benefits of Used Car Loan 200 Used Car Loan: Key Benefits and Features Flexible repayment options, ranging from 12 to 60 months. Attractive Schemes Attractive interest rates. Quick approval We provide loans under income base, no income base, and asset proof base. Hassle free loans. Easy and simple documentation We provide loans up to 95% for specific models under specific schemes* Simple and easy application process Flexible tenure Quick disbursement Loans ranging from RS.50,000 to 10 Lakhs WHY SHOULD I CHOOSE A USED CAR LOAN? There are many good reasons why you should take used cars loan. The best one being that you pay an affordable monthly installment to bring home the car of your dreams if you opt for used car loan financing. You get up to 95% of the value of the car in some schemes. A smaller down payment can allow you to reserve your available cash for emergencies. The tenure is flexible and you can repay the car loan for second hand cars in 12-60 months. Interest rates are extremely competitive. The eligibility criteria are simple and most people can avail loans for used cars. The loan is hassle free and guarantees a quick approval and disbursement. The application process is easy, you can even apply online. The documentation is simple. You can take loans ranging from Rs 50,000 to Rs 10 lakhs. You can pre-pay the loan at a nominal charge. How to apply for Used Car loan 200 How To Get Used Car Loan Instantly You can get a loan for a used car at attractive rates instantly. You need to consider the following criteria before applying for a loan for a second hand car. You should be 21 years of age or above when you apply for used car loan financing. Your age should be under 65 at the end of the tenure of the loan. You should be salaried with an annual salary of Rs 1,80,000 or have a business income/net profit of Rs 1,50,000 per annum. Fill the ‘Apply Now’ form online or visit our nearest branch to apply offline. Check your eligibility and the amount you can borrow for the second hand car loan. Use the EMI calculator on the website or the App to find the tenure and amount that suits you the best. Submit your documents. Get a fast approval and disbursal of your loan and drive away in the car of your dreams. Getting a used car loan is easy. Here is the step-by-step process to apply online: • Click Apply Now • Fill in your details • You will get an OTP on your phone • Fill in the OTP • Choose your location • Choose the car model you want • Give us your basic details such as date of birth and gender. • Click submit • Our customer care representative will be in touch as soon as its possible Alternatively, contact our customer care representative directly for a loan for a used car by: • Calling- • Walking into the nearest Muthoot Fincorp Branch • Contacting Muthoot Capital representative stationed at your dealer. Documents required for the used Car loan 150 Documents Required For Used Car Loan Valid identity proof: Any one of passport / Adhaar card / voters ID card / driving license / PAN card Valid address proof: Any one of passport / Aadhaar card / voters ID card / driving license / telephone bill / electricity bill / gas connection bills / ration card / LIC policy. Income proof: ITR / form 16 / pay slip / salary credit in bank statement Asset proof: Latest land / building / house tax reciept Recent passport size photo How to Calculate used Car loan Interest 100 Car Loan Calculator - Add CTA linked to respective calculators page 100 FAQs - 8 1000 FAQs How to get a used car loan? What is the maximum used car loan available? How long will it take for my used car loan approval? What is the minimum and maximum used car loan amount? What are the lowest used car loan interest rate? Are there any tax benefits of a used car loan? What are the interest rates levied upon my used car loan? Do I need a guarantor for used car loan? WHAT'S THE LONGEST TERM FOR A USED CAR LOAN? You can choose tenures of 12 months to 60 months when you opt to take a car loan for used car from Muthoot Capital. Please do keep in mind that the age of the car should be less than 10 years by the end of the loan tenure. For example, you can buy a car which is just under 5 years old, then you will get finance for a maximum tenure of 5 years or 60 months for this second hand car. HOW MUCH WILL MUTHOOT CAPITAL LOAN ON USED CARS? We can offer a loan of up to 95% of the IDV or Insurance Declared Value as a used car loan. The loan amount also depends on the model, age and condition of the second hand car. Your credit history, and past association with us may also determine the amount of loan that can be sanctioned to you. What are Factors Affecting Your Used Car Loan Eligibility?  Your used car loan eligibility is dependent upon the following factors – Income – The higher your monthly income, the higher will be your eligibility for a used car loan. Meaning, you can borrow a large principal amount. CIBIL or Credit Score – A high CIBIL or credit score, preferably 750 or above, will increase your used car loan eligibility and vice-versa. Outstanding Loan – Unpaid loans are a huge red flag and may make you ineligible to borrow a used car loan as opposed to a spot-free repayment pattern. Work Stability – Having a stable source of income increases your loan eligibility whereas lenders may altogether reject your used car loan application in case of frequent job hopping or irregular business ROI.   Tata Capital will run a used car loan eligibility check before approving and sanctioning your loan.   How to Improve Your Used Car Loan Eligibility?  You can improve your used car loan eligibility in the following ways – Opt for a higher downpayment – Downpayment is the portion of the car amount that you need to pay upfront. If you have means to pay a high downpayment, you can ultimately lower the loan principal and improve your chances of getting a used car loan. Maintain a good CIBIL score – You are assigned a CIBIL or credit score based on your credit history. This score tells the lender who you are as a borrower. Pay your debts, credit card dues, etc. on time, have a balance between secured and unsecured loans, and check your credit record for discrepancies to have a credit score of 750 or above. Choose a suitable loan tenure – Chances of used car loan eligibility are higher for shorter tenures. However, a short tenure means higher EMIs but the interest outgo is less. If possible, opt for a short loan tenure. You can adjust the loan tenure using an online used car loan EMI calculator. Opt for a Willing Co-Applicant – You can opt for a co-applicant with a good CIBIL score and stable income. The co-applicant must be your spouse, immediate family members or any blood relative.  What is the Maximum Used Car Loan You are Eligible For?  Your used car loan eligibility can extend up to a principal sum of Rs. 50 lakhs. To check your eligibility in advance, use a useful online tool such as the used car loan eligibility calculator.   What is the Interest Rate for Used Car Loan?  The rate at which interest is to be charged on the loan principal over a fixed tenure is known as the used car loan interest rate. Our interest rates for second-hand car purchase start at just 15%.   How to Calculate EMI using Used Car Loan Calculator?  Before you purchase a used car on EMI, make sure to check your EMI value using a free online used car loan EMI calculator. All you need to use this calculator are three inputs – Principal Amount, Rate of Interest, and Loan Tenure. Just enter these inputs in the used car loan EMI calculator in their respective slots and the calculator will automatically show you the monthly EMI value within seconds.   What are the benefits of a Used Car Loan? Here’s why our Used Car Loan is perfect for you: Quick loan payment Easy documentation Spot Approvals Attractive Interest Rates   Can I get 100% financing for my car? Yes, we do offer funding up to 100% of the ex-showroom price on select models, subject to the applicant meeting our underwriting criteria. Can all types of cars be financed by these loans? We finance almost all passenger cars and multi-utility vehicles manufactured by India's leading automobile companies. Imported vehicles are also funded on case-to-case basis. How long will it take for my loan approval? Once we have all your documents with us, it generally takes about 30 Minutes for us to approve your loan request. How long does it take to process the Used Car Loan? It takes us 24-36 hours from the completion of documentation to sanction a used car loan. What are the loan tenure options available? The tenure of loan could be from one to maximum 5 years for used cars. What is the minimum and maximum loan amount? We provide Used Car Loan from a minimum of ₹ 1,00,000/- to a maximum of ₹ 50, 00,000/- depending on your eligibility. What are the mandatory documents required in applying for a Used Car Loan? The mandatory documents are: Bank Statements for the last six months Salary Slips for the last three months Address Proof and Identity Proof documents RC book Insurance How does credit report impact Used Car Loan approval process? Credit report provides details on your financial status and your ability to repay a Loan. This helps us evaluate your financial history. A good credit report with a score of 750 will help you take a loan easily.   Who can avail Used Car Loan from Tata Capital? Salaried individuals Self-employed individuals Partnership firms Public and Private Ltd. companies HUFs and Trusts Will my car insurance and registration charges be included in the Used Car Loan? Yes, registration is included in a few loan offerings, but insurance of the vehicle does not form part of this value and would need to be paid up-front. Is a guarantor required for gaining approval of the Used Car Loan? Generally, no. But if your income does not meet our credit criteria, then you may require a guarantor to stand surety for your loan. Does any other security/collateral need to be provided? No additional security/collateral needs to be provided, apart from the car against which the Used Car Loan is granted, being hypothecated to Tata Capital documentation. Who can be the co-applicants of the Used Car Loan? Your spouse or any blood relative staying in the same residence as yours can be a co-applicant. https://www.bankbazaar.com/used-car-loan.html https://www.tatacapital.com/vehicle-loan/used-car-loan.html https://www.hdfcbank.com/personal/borrow/popular-loans/pre-owned-car-loan https://www.icicibank.com/Personal-Banking/loans/car-loan/new-pre-owned-car-loans.page https://muthootcap.com/used-car-loan.php Why You Should Buy a Certified Used Car - Tata Capital Blog The recent lockdown saw a striking rise in the sales of used vehicles to promote safer means of commute. Used cars act as an affordable and reasonable alternative to brand new cars, especially during a financial crunch. When you purchase a used car, you will come across two options under the category – certified and uncertified used car. It is highly recommended to buy a certified used car as it allows you to leverage a wide range of benefits. Here are three reasons why you must invest in the used car certificationpolicy. Meets certification standards Every manufacturer has a defined age/distance travelled restrictions for the used car to qualify for certification. Along with this, the car undergoes a strict inspection process where every part and piece is given a specific point. Based on the quality and condition of the car parts, the manufacturer decided whether the car meets the certification standard. This method ensures that the used car is still in its functional state and fit for its next buyer. Additional Read: How to Check and Authenticate Used Car Documents Before Buying? Comes with a warranty Certified used cars come with a warranty for usually a period ranging from 12-36 months from the date of purchase. The certified used car warranty allows you to leverage the same coverage that is offered to the first-hand model of the car. Certain manufacturers also aid you with facilities like roadside assistance and free maintenance under the certified warranty. Better financing deals In the current market, certified used cars are slightly more expensive than uncertified used cars. But, most lenders offer used car loans at low-interest rates, which makes it easy for you to buy a solid vehicle. Lending institutions also favour the certified used vehicle loan applicants over uncertified applicants. Consequently, the chances of loan approval are higher if you wish to purchase a certified used car. Overall, getting a certified used car will always be a more reliable and safe option for your big bill purchase. Additional Read: How to Evaluate the Condition of a Used Car? Get a used car loan today Used cars are a bargain in comparison to a brand-new vehicle. But, they can still burn a hole in your pocket. Therefore, you must consider opting for a used vehicle loan to assist you with your purchase. Get online and look-up the various loan plans available for certified used vehicles that lenders are offering these days. Gain in-depth knowledge of used car loan eligibility and figure out the options that suit you best. You must also make sure that you select a plan that offers the lowest used car loan interest rate. While you surf online, you can also take the liberty of understanding various EMI options based on varying tenure and principal amounts. Simply locate the used car loan EMI calculator to avail of this facility on the lender’s official website. Get a second-hand vehicle loan today to purchase a certified used car. Financial institutions like Tata Capital have special loan plans with flexible EMI and repayment options that will fit your monthly budgets comfortably.