Vijaya Bank Jammu
Last Updated : Aug. 30, 2018, 5:38 p.m.
About Vijaya Bank
Being of the top performing public sector banks of the country, there is no denying the fact that Vijaya Bank in Jammu with its enormous range of unique and state-of-the-art financial products offers the best banking experience to all. Headquartered in Bengaluru, Karnataka, India, this lender laid its foundation in the year 1931, and since then has been striving hard in order to be the pioneer in the Indian banking system. With its wide range of financial products such as Deposits & Loans Products, NRI & Cards Services and Remit & Collect, the bank endeavors to offer nothing but an unforgettable experience.
This is the reason that each and every day the happy family of the customers is increasing, thus today the bank enjoys more than 3,500 satisfied customers and still counting. If we talk about its presence, the lender has more than 1900 branches along with 1,651 ATMs situated in various cities. No matter which sort of financial help you are looking to avail, this bank is ensuring to fulfill every need in the least time frame. To know about the same, kindly take a look at the page below and clear all your doubts.
Vijaya Bank Jammu Branches
| Branch Name | Complete Address | IFSC | MICR | Customer Care |
|---|---|---|---|---|
| Srinagar, Jammu & Kashmir | P B No 252, Court Road, Lal Chowk, Srinagar, J K, 190001 | VIJB0008201 | 0194 2457787 | |
| Jammu, Jammu & Kashmir | Red Cross Bhavan, Kachi Chawni, Jammu, Jammu & Kashmir, 180001 | VIJB0008202 | 0191-2561663 | |
| Jammu Airport , Jammu & Kashmir | Jammu Airport Extn Counter, Jammu & Kashmir | VIJB0008203 | 180029003 | |
| Katra | Hotel Ishwar Near Shrine Board Office Jammu Road | VIJB0008204 |
Products Offered by Vijaya Bank in Jammu
People living in Jammu have various reasons to be happy as Vijaya Bank with its exclusive range leaves no stone unturned to deliver the best. Be it housing loan, education loan, jewel loan, personal loan or 4 wheeler loan, this lender makes sure that all your financial needs can easily be fulfilled in the best possible way.
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 |