Vijaya Bank Kolkata

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About Vijaya Bank 

With a satisfactory number of more than 3,500 happy customers, it would not be wrong to say that Vijaya Bank is a name you can easily trust. This public sector bank was founded in the year 1931 with a core objective to offer the best banking services and products to all its esteemed customers. With its unmatched products such as Deposits & Loans Products, NRI & Cards Services and Remit & Collect, the bank leaves no stone unturned to make your banking experience totally worth it. Whether it's availing a loan, insurance, investment, card or any other banking service, this lender ensures to give an unforgettable experience, hence making a fruitful relationship. 

Moreover, with a total number of more than 1,651 ATMs along with a wide network of over 1,900 branches, Vijaya Bank ensures that all its esteemed customers will always be in constant touch with the bank.  This renowned lender, with its enormous range makes sure that all your financial needs can be fulfilled in the least time frame. So, if you are in the city of joy, i.e. Kolkata and are looking for some financial help, Vijaya Bank is your answer.

Vijaya Bank Kolkata Branches

Branch Name Complete Address IFSCMICRCustomer Care
Gariahat Road, KolkataP/17A, Temple Towers, A C Avenue, Gariahat Road, Kolkata, West Bengal, 700019VIJB0007202700029006
Burrabazar, KolkataNo 12/2, S B Street, Burrabazar, Kolkata, West Bengal, 700007VIJB0007203700029004
Rabindra Sarani, KolkataP B No 12313, 2 - B, T C Dutta Street, Rabindra Sarani, Kolkata, West Bengal, 700073VIJB0007205700029007
Park Street, KolkataNo 125/1, A G Towers, Park Street, Kolkata, West Bengal, 700017VIJB0007208700029008
Dharmatolla, KolkataNo 37/1, N C Street, Dharmatolla, Kolkata, West Bengal, 700013VIJB0007211700029005
Alipore, KolkataRajahansa Building, 6, Hastings Park Road, Alipore, Kolkata, West Bengal, 700027VIJB0007212700029002
Brabourne Road, KolkataP B No 2038, 1/2, Old Court House, Brabourne Road, Kolkata, West Bengal, 700001VIJB0007213700029003
Overseas, KolkataFirst Floor, A G Towers, 125/1, Park Street, Kolkata, West Bengal, 700017VIJB0007216700029011
N S Road1St Floor, Mukti Chambers, No.4, Cliverow, N S Road, Kolkata - 700001VIJB0007218700029009
Lake Town, KolkataP/205, B - Block, Lake Town, Kolkata, West Bengal, 700089VIJB0007219700029013
A R M B, KolkataNo 17/A, Temple Tower, A C Avenue, Kolkata, West Bengal, 700019VIJB0007220
Gora Bazar, KolkataKolkataVIJB0007221700029015
Rashbehari Avenue, KolkataKolkataVIJB0007222700029016
Shyam Bazar, KolkataKolkataVIJB0007223700029017
Sealdah, KolkataKolkataVIJB0007224700029018
Chittaranjan Avenue KolkataNo.126, Chittaranjan Avnue, Kolkata, Kolkata, West Bengal, 700001VIJB0007225700029019
Salt Lake, KolkataDa - 31, Sector - 1, , Salt Lake, Kolkata, West Bengal, 700064VIJB0007226700029020
New Market Kolkata53:D Mirza Galib Street, New Market, Kolkata, 700016VIJB0007227700029021
East Kol.Township Proj., Kolkata32/B, Rashbehari Connector, East Kol Town, Project Area, Bose Pukar Road, Kasba - Kolkata - 700042VIJB0007228700029022
Garia, Kolkata2770, N.S.C.Bose Road, Old 32, Garia Main Road, Garia, Kolkata - 700084VIJB0007229700029023
Rajarhat, KolkataUsta, The Condoville Complex, New Town, At Ag/1(Portion), Street No.28, Rajarhat, KolkataVIJB0007230700029024
Rajarhat, Gopalpur, KolkataRajarhat – Gopalpur, Sachindralal Sarani Road, (Jora Mandir), Vip Road, Baguaiati – 700059VIJB0007233700029025
Jadavpur, KolkataNo.3/100C Kmb Premises, 241, Chittaranjan Colony, R Aja S C Mullick Road Jadavpur, KolkataVIJB0007237732029028
International Airport Extention Counter, KolkataExtention Counter, International Airport, Kolkata, West Bengal, 700052VIJB0007282700029031
Service Branch, Kolkata1 - 2, Old Court House - , Corner, , Brabourne Road, Kolkata, West Bengal, 700001VIJB0009203700029001033-22488097
Regional Office. Kolkata5Th Floor, Trimurty Apartments, 97/1, Park Street, Kolkata, West BengalVIJB0009104700029100033-22262910
MadhyamgramPushpa Kunj Road Sodepur (E) Debigarh, Madhyamgram, KolkataVIJB0007240700029030
Corporate Banking BranchGillander House No.8, Netaji Subhas Road, Kolkata.VIJB0007241
Currency Chest Kolkata25/1/A D M Street, C R Avenue, Beh:Medical College Kolkata West Bengal - 700073VIJB0009603700029050033-22349270
Racpc - KolkataP - 17A Temple Towers, Ashutosh Chowdhury Avenue, Gariahat Rd, 97/1 Park Street Kolkata West Bengal - 700019VIJB0009806
Kolkata Msme CellTrimurthi Apartments, 5Th Floor, 97, Park Street, Kolkata-700016VIJB0009863701029016
Jodhpur Park-Kolkata1St Floor, 1/336, Gariahat Road, Jodhpur Park Kolkata-700068VIJB0007245
Behela, West BengalNo 4, Daimond Harbour Road SilparaVIJB0007246

Products Offered by Vijaya Bank in Kolkata

Personal loan, education loan, jewel loan, 4 wheeler loan and housing loan, these are the best offered financial products by Vijaya Bank in Kolkata. But, to avail the same, you should know the details of each product before. Hence, in order to know the same, take a look 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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Home Loan Interest Rates December 2017
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