Vijaya Bank Guwahati

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About Vijaya Bank 

Whenever you want to avail any sort of financial help i.e. any sort financial product or service, with Vijaya Bank in Guwahati look no further. Yes, it is one of the fastest growing public sector banks with the corporate office located in Bengaluru, Karnataka, India. This government-owned bank was founded in the year 1931 with a clear vision and mission i.e. to deliver nothing but the best banking services and products to all the esteemed customers around the globe. Keeping this in mind, the bank over the years has been striving hard day and night to satisfy one and all.  

After spreading its roots in various cities of the country, this public sector bank today enjoys more than 1,900 branches along with 1,651 ATMs. Thus, endeavors to reach out all its customers in best possible manner. 
With its wide range of products such as Deposits & Loans Products, NRI & Cards Services and Remit & Collect , this lender ensures that all your financial needs can easily be fulfilled in the least time frame. This is the reason that Vijaya Bank has more than 3,500 happy and satisfied customers, and the number is increasing day by day.   

Vijaya Bank Guwahati Branches

Branch Name Complete Address IFSCMICRCustomer Care
Fancy Bazar, Guwahati MainP B No 146, Hotel Siddartha Bldg, H B Road, Fancy Bazar, Guwahati, 781001VIJB0008001781029002:0361-2541124,
R G Baruah Road, GuwahatiTrishul Towers, Zoo Narengi Tiniali, R G Baruah Road, Guwahati, Assam, 781021VIJB0008008781029003
SivasagarBharali Commercial Complex, 1St Floor , Hospital Road , Sivasagar, AssamVIJB000800903772-224687
Maligaon , GuwahatiMaligaon Guwahati, Assam 781012VIJB00080107810290040361-2675328
Silpukhuri, GuwahatiSs Mansion, Commercial Complex, Jnb Road, Opp Goswami Service Station, Silpukhuri, Guwahati 3VIJB0008011781029005
Rehabari, GuwahatiNear Nandan Hotel, G.S.Road, Paltan Bazar, RehabariVIJB0008012781029006
Khanapara, GuwahatiOpp Reaserch Bus Stop, Dispur, Khanapara, G.S.Road, GuwahatiVIJB0008013781029007
Regional Office. GuwahatiIspat Bhavan, Maulana Azad Road, Rehabari, Guwahati, AssamVIJB00091087810290010361-2542755
Betkuchi BranchBoragoan Chariali, Land Mark - Near Gurudwarasahib, West Boragoan, Dist Kamrup-781033VIJB0008017781029033
Ganeshguri1St Floor Dhruba Market, Ganeshguri Chariali G S Road, Guwahati, Dist-Kamrup(Metro)VIJB0008019

Products Offered by Vijaya Bank in Guwahati

There are plenty of unique and unmatched products that you can avail from Vijaya Bank. Whether its personal loan, housing loan, education loan,  jewel loan or 4 wheeler loan, the bank offers all. But, before you avail any of the product, it is important for you to know the details of the same. So, take a look below to have a better understanding of all the products offered by Vijaya Bank. 


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% - 9.45%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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Personal Loan Interest Rates November 2017
Bajaj Finserv 11.99% - 15.50%
Fullerton India 14.00% - 33.00%
HDFC Bank 10.99% - 20.70%
ICICI Bank 11.00% - 18.40%
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Home Loan Interest Rates November 2017
State Bank of India/SBI 8.30% - 8.60%
HDFC 8.35% - 8.95%
Bank of Baroda 8.30% - 9.30%
LIC Housing 8.35% - 8.70%
PNB Housing Finance 8.35% - 8.70%
ICICI Bank 8.35% - 8.85%
Axis Bank 8.35% - 8.75%
Citibank 8.60% - 9.35%
Indiabulls Housing Finance Limited 8.35% - 8.55%
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