Vijaya Bank Jammu

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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 IFSCMICRCustomer Care
Srinagar, Jammu & KashmirP B No 252, Court Road, Lal Chowk, Srinagar, J K, 190001VIJB00082010194 2457787
Jammu, Jammu & KashmirRed Cross Bhavan, Kachi Chawni, Jammu, Jammu & Kashmir, 180001VIJB00082020191-2561663
Jammu Airport , Jammu & KashmirJammu Airport Extn Counter, Jammu & KashmirVIJB0008203180029003
KatraHotel Ishwar Near Shrine Board Office Jammu RoadVIJB0008204

 
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
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.
8.90%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

12.50% - 13.50%

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.

9.45%

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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