Vijaya Bank Ghaziabad

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About Vijaya Bank 

Being one of the fastest growing public sector banks and with corporate office based out in Bengaluru, Vijaya Bank is here to rule. The bank being founded in the year 1931 has bee making sure that it offers the best banking solutions to all the customers around the world. Right from loans, insurances, investments to cards and online services, this renowned lender always provides the high-end products and services in the best possible way. This is the reason that many people living in the beautiful city of Ghaziabad prefer to avail the financial services from this lender so as to meet their varied needs. 

If we talk about the numbers, the bank so far has delivered the best of services and products to over 3,500 happy and satisfied customers. Not only this in fact, with more than 1,651 ATMs along with 1,900 branches placed in different cities of the country, Vijaya Bank makes sure to reaches each and everyone. With its diverse variety of products such as Deposits & Loans Products, NRI & Cards Services and Remit & Collect, the bank is leaving no stone unturned to deliver nothing but an unforgettable banking experience.  

Vijaya Bank Ghaziabad Branches

Branch Name Complete Address IFSCMICRCustomer Care
Ghaziabad, U. P.Ghaziabad, U PVIJB0007113110029029
Modinagar, U P6/18, Upper Bazar, Delhi Meerut Road, Modinagar, Ghaziabad Dist, U P, 201201VIJB000712901232 243938
Indira Puram GhaziabadPlot # 69, Ahimsa Khan Ii, - Indira Puram Ghaziabad - 201010VIJB0007145110029044
Hapur, GhaziabadMain Market, N H 24, Garh Road, Opp Nagar, Palika Parishad, New Nehru Chowk, Dist, Ghaziabad, Hapur, 245001VIJB0007147245029001
Ghaziabad Devt Authority Extention Counter, GhaziabadExtention Counter, Ghaziabad Devt Authority, Near Old Bus Stand, Ghaziabad, Uttar Pradesh, 201001VIJB0007186
Kaushambi Branch33 Commercial Block, Kaushambi , Ghaziabad-201010VIJB0006515110029063
SahibabadA-35 Sector-5 Rajendra Nagar Sahibabad District Ghaziabad, Uttar Pradesh-201005VIJB0006524
VasundharaC-14, Secotor-13, Ellen Tower Vasundhara, Ghaziabad-201012(U.P.)VIJB0006529

Products Offered by Vijaya Bank in Ghaziabad

There are plenty of financial products that you can purchase from Vijaya Bank in Ghaziabad. Each product such as housing loan, personal loan, education loan, 4 wheeler loan and jewel loan can easily be availed by you in the city in the least time frame. To know more about each of the product in detail, kindly go through the page below. 

Basic Details of Vijaya Bank Loans 

Product
EligibilityInterest Rate (in p.a.)

Loan Amount TenureProcessing 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% - 8.65%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
12.35% - 13.35%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.
9.30% - 11.65%7 Years
Education LoanLoans 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 LoanIndividuals of all income groups
7%-11.25% Based on daily price quoted by Bank1-2.5 Years Upto & inclusive of ₹ 25,000=Nil
Above ₹.25,000= 0.40% of the loan amount

Documents Required

ProductDocuments
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


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