Welcome to The Financial Co-op. Bank Ltd.          

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Call Us: 0261 2360433/34

(Mon – Sat, ex 2nd & 4th Sat)

E-mail Us:


3044-47, Abhishek Market,

Ring Road, Surat-395002

Vehicle Loan

Margin Money
Four Wheeler:85% of Proforma Invoice 
Two Wheeler:85% of Proforma Invoice
Three Wheeler:  85% of Proforma Invoice
No. of EMIs:36 months to 60 months
(B.O.D. reserves right to change according to repayment capacity of applicant).
Rate of Interest:10.00 % (Two Wheeler)
Rate of Interest:8.35% to 9.25% (Four Wheeler)
Rate of Interest:7.65% to 8.25% (Car Price Above 15 lakhs)
Guarantors:Two guaranters (who holds property)


 1.   Bank Can Finance up to 85 % of  on Road Price of Quotation of Vehicle

(Excluding Accessories and HP Charges for New Vehicle)


    2.    Repayment Capacity ( Total Annual Income – Total Approx Annual Exp. – Total

                Annual Loan Liabilities ( EMI*12) = Total Approx Annual Savings. (Finance up to 50 %

                to 60 % on Total Approx Annual Savings)

 Tenure: Two wheeler for three years

               Four wheeler for five years

Processing Fees :- 

A)   Two Wheeler:      Rs.500/-Fixed + GST

B)   Four Wheeler:     0.15% Sanction Amount + GST on PF


4.Maximum Loan Amount & Margin: Individual housing loans up to a maximum of Rs.60 lacs per beneficiary of Dwelling unit. Subject to prudential exposure limits of RBI from time to time.

Period of Loans:

  • Housing loan may be repayable within a maximum period of 20 yrs. Including Moratorium  of repayment holiday.
  •  Processing Fees : –  Processing Fees 0.50 % on Sanction Amount  + GST on PF
  •  Moretorium: Home Loan for construction maximum 18 month and as per guideline of RBI from time to time.
  • Till completion of consturction, or 18 months from the date of disbursement of first installment of the loan which ever is earlier.
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