Vijaya Bank Chandigarh
Last Updated : Feb. 8, 2017, 12:50 p.m.
About Vijaya Bank
Those who live in Chandigarh have the biggest reason to rejoice as the country's one of the renowned public sector lenders i.e. Vijaya Bank with its wide range of quality products and user-friendly services is available there for one and all. Founded in the year 1931 with a core objective i.e. to deliver an enjoyable banking experience to all the esteemed customers, there is no denying the fact that Vijaya Bank over the years has created its own space in the Indian banking sector, hence is doing every possible bit to live upto the expectation of all. Yes, be it loans, insurances, investments, cards or online banking services, this reputed lender ensures that all your financial hurdles can easily be fulfilled.
Keeping this thing in mind, the bank has a wide variety of financial offerings such as Deposits & Loans Products, NRI & Cards Services and Remit & Collect. Apart from this, the lender also offers various personalized banking services so that it can satisfy all. If we talk about its presence, the bank over 1,900 branches along with more than 1,651 ATMs situated at every nook and corner of the country, hence ensuring that it will always be in touch with all the customers.
Vijaya Bank Chandigarh Branches
| Branch Name | Complete Address | IFSC | MICR | Customer Care |
|---|---|---|---|---|
| Chandigarh Main | P B No 119, L I C Building, Sector - 17B, Chandigarh, 160017 | VIJB0006003 | 160029001 | |
| Scpb, Chandigarh | P B No 136, Sco 201 - 203, Sector 34 - A, Chandigarh, 160017 | VIJB0006027 | 160029002 | |
| Manimajra, Chandigarh | Sco 37, Pocket No 1, Manimajra, Chandigarh ( U T ), 0 | VIJB0006044 | 160029004 | |
| Sector 40, Chandigarh | Sco 82, Sector 40 - C, Chandigarh, 160040 | VIJB0006046 | 160029008 | |
| Kharar, Chandigarh | Shop No 259, 260, Landran Road, Kharar, Chandigarh | VIJB0007516 | 160029006 | |
| Regional Office. Chandigarh | Sco - 185 - 187, Sector 9C, Chandigarh | VIJB0009126 | 160029009 | 0172-2745236 |
| Racpc - Chandigarh | L I C Building, Sector 17 B, Chandigarh | VIJB0009812 |
Products Offered by Vijaya Bank in Chandigarh
Known for creating its own space in the Indian banking sector, many of you will surely agree on the fact that Vijaya Bank is no doubt a bank where all your financial needs will be fulfilled in the least time frame. Whether availing a personal loan, jewel loan, 4 wheeler loan or housing loan or education loan, the lender with its enormous range delights all its customers around the globe. So, if you are also interested in availing any of its product, it is also important for you to know about them. For your reference, we have described each of its product in the table below.
Basic Details of Vijaya Bank Loans
| Product | Eligibility | Interest Rate (in p.a.) | Loan Amount | Tenure | Processing Fee |
|---|---|---|---|---|---|
| Housing Loan | The minimum age of the applicant at the time of availing the loan should be 21 and 65 years. The maximum age of the applicant at the time of loan maturity should be 75 years. Assessment of finance: Upto 75 months’ average gross income of the applicant subject to take home income and minimum margin requirements. Applicant can add income of spouse/children, expected rent, depreciation and income from other sources to enhance loan eligibility. | 8.50% - 10.60% | No Limit | 30 Years | Waived off till 31 st March,2017 |
| Personal Loan | If you a salaried or pensioner, you are eligible to avail the loan from lender. Salaried: The minimum age of the applicant should be 21 years at the time of availing loan. He /she should also has minimum 2 years of left over period in service. 18 times of last net drawn salary subject to maximum ₹ 10.00 lakhs. Pensioners: The maximum age of the applicant should not be more than 72 years. He/she should also draws the pension through Vijaya Bank. 18 times of average net pension actually credited during last 6 months subject to maximum of ₹2.00 lakhs | 10.90% - 18.25% | 85% of the cost/invoice of new vehicle. 70% of the market value of used vehicle, not more than 5 years old. 100% of the cost/invoice for new vehicles | 5 Years | |
| Four Wheeler Loan | Individuals aged between 21 and 70 years. Permanent Employee of State/Central Govt., Public/Joint Sector Undertaking, Private Establishment or Reputed Company. Pensioners drawing pension through our bank. Professionals/Self Employed persons having independent income. | 7% onwards | 7 Years | ||
| Education Loan | Loans to students admitted to Top Rated Institutions. Loans to students admitted to other domestic institutions. Loans to students seeking studies abroad. | 9.45%-10.65% | ₹10Lakh-20 Lakh | up to 15 years | Nil |
| Jewel Loan | Individuals of all income groups | 7%-11.25% | Based on daily price quoted by Bank | 1-2.5 Years | Upto & inclusive of ₹ 25,000=Nil Above ₹.25,000= 0.40% of the loan amount |
Documents Required
| Product | Documents |
|---|---|
| Housing Loan | Application form with two photographs of applicant,Co-applicant & guarantor needs to be submitted. Latest IT returns for 2 years with salary slip for the last 3 months of the applicant/Co-applicant/Guarantor in case of salaried person Computation sheet/P &L Statement/balance Sheet,past two years duly certified by the CA/Income tax assessment order/IT returns in case of Professionals/Self employed/Business person(for 3 years,if IT assessed). Latest Salary certificate and Form no.16 of the applicant/co-applicant/guarantor needs to be submitted Income certificate issued by Revenue Authorities in case the applicant is an agriculturist. All the Land records and documents in original and two sets of copies License for construction/renovation of House/Flat Approved plan/Blue Print for the proposed construction or extension Allotment letter of Co-operative Housing Society/Apartment Owners' Association/Housing Board/NOC from the Society/Association/Builders/Housing Board. |
| Personal Loan | Presanctioned Documents Latest salary certificate of the applicants. Salary of the proposed borrower is credited to his bank account maintained with us at least for a minimum period of 6 months prior to the loan. |
| 4 Wheeler Loan | 2 passportsize photos Identity Proof Residence Address Proof Statement of account of the applicant/co-applicant for the past one year from their present Bankers. Salary slips for the last 3 months of the applicant in case of salaried person. Latest IT returns for 2 years for salaried/professional/businessmen/self employed applicant. |
| Jewel Loan | Duly filled application form and recent passport size photographs of the applicant. He/she should also needs to carry an application for the loan or cash credit against pledge of gold ornaments. The applicant should also need to have an agreement for demand cash credit against pledge of jewels. Identity Proof - PAN card/ passport/ Voter ID/ Driving license/ Aadhar card, etc Address Proof- Ration card/ Passport/ Recent utility bills/ Voter ID/ Driving license/ Aadhar card, etc. |
| Education Loan | ID Proof Documents: For identity proof, you can submit following documents, Aadhar Card Passport PAN Card Voter ID Card Certificate of address having a photo issued by MP / MLA / Group-A Gazetted Officer in his or her letterhead Certificate of address with photo from Government-recognized educational institutions Ration Card Driving Licence Arms Licence Certificate of photo identity issued by the Village Panchayat head Current passbook of Post Office or any scheduled Bank with your photo on it Address Proof Documents: For address proof, you can submit the following documents: Voter ID Card Certificate of address Certificate of address with photo from Government-recognized educational institutions Aadhar Card Ration Card Notarized Sale or lease Agreement Current passbook of Post Office or any scheduled Bank with your Photo on it Photographs : You need to submit passport sized photographs of applicant to the bank Marks sheet: You have to submit photocopies of marks sheet of your highest qualification to the bank Proof of Income of Parents or Guardians: ITR of parents or guardians of the loan applicant |