Top Banks 2024
Vijaya Bank Kochi
Last Updated : Feb. 13, 2017, 1:24 p.m.
About Vijaya Bank
After laying its foundation in the year 1931, Vijaya Bank, a public sector bank of the country is best knowing for delivering state-of-the-art financial products to all. Whenever you are in urgent need of funds or want to deposit your money or looking for a better investment option, look no further as this lender with its quality services and products is here. Be it loans, investments, insurances or cards, this renowned lender makes sure to cater all your financial needs in the best possible way. This is the reason that the bank offers an exclusive range of products such as Deposits & Loans Products, NRI & Cards Services and Remit & Collect, hence endeavors to be a crucial part of your journey.
The bank has maintained a fruitful relationship with all its customers and that can easily be seen through more than 3,500 satisfied customers around the country. These are not just the numbers, these are the people who believed in Vijaya Bank and are a vital part of the bank’s portfolio. Wth more than 1,900 branches along with a network of over 1,651 ATMs located in different cities, Vijaya Bank is an ideal source you can rely on.
Vijaya Bank Kochi Branches
| Branch Name | Complete Address | IFSC | MICR | Customer Care |
|---|---|---|---|---|
| Kochi , Kerala | P B No 335, Chamber Of Com Bldg, Kotukulam Road, Mattancherry, Kochi, 682002 | VIJB0002008 | 682029002 | |
| Broadway, Ernakulam | Santha Lodge Bldg, Post Office Link Road, Broadway, Ernakulam, Kerala, 682031 | VIJB0002011 | 682029004 | |
| Kochi , Kerala | P B No 1722, 57/2143, Jos Annexe, M G Road, Ernakulam, Kerala, 682016 | VIJB0002022 | 682029006 | |
| Kochi , Kerala | 419/A1, Grace Towers, Opp:New Bus Stand, Hospital Road, Tripunithura, Kerala, 682301 | VIJB0002040 | 682029005 | |
| Puthiyakavu, Kerala | Church Building, Vaikom Road, Post Tripunithura, Puthiyakavu, Kerala, 682301 | VIJB0002047 | 682029007 | |
| Kochi , Kerala | Teepeeyem Centre, Near Aiyappa Temple, Naval Road, Willingdon Island, Kochi, 682003 | VIJB0002063 | 682029003 | |
| Kochi , Kerala | Simson Towers , S A Road, Vyttilla, Ernakulam, Kerala, 682019 | VIJB0002070 | 682029010 | |
| Service Branch, Kochi | Santha Lodge Building, Post Office Link Road, Broadway, Ernakulam | VIJB0009211 | 682029001 | |
| Regional Office. Kochi | Jose Annexe, Jose Junction, M.G.Road, Kochi, Kerala | VIJB0009127 | 682029020 | 0484-2372515 |
| Specialised Nri Branch | Jose Annex, Ist Floor, M.G. Road, Kochi - 16 | VIJB0002082 | 682029013 | |
| Urban Micro Finance Branch | P B No.335, Chamber Of Commerce Building, Kotukulam Road, Mattanchery, Kochi | VIJB0002083 | 682029014 | |
| RACPA, Kochi | Racpc, Kochi | VIJB0009816 | ||
| Mararikulam, Kochi | Karikattil Building, Mararikulam North, Po, Alleppey Dist, | VIJB0002084 | 688029549 | |
| Edathiruthy, Kerala | Survey No-80/5, 80/7, Dream Tower, Nh-17, Chentrappinni Post, Edathiruthy Panchayat-680687 | VIJB0002090 | 680029687 |
Products Offered by Vijaya Bank in Kochi
Take a look at the page below to know about the various products offered by Vijaya Bank in Kochi. The bank offers a plethora of financial products such as jewel loan, 4 wheeler loan, housing loan , personal loan, education loan, etc. If you want to know the eligibility and other details such as loan amount, tenure, interest rates and charges, just read the page as you will find everything here.
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 |