Vijaya Bank Patna

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About Vijaya Bank 

Be it more than 3,500 happy & satisfied customers, over than 1,900 branches or more than 1,651 ATMs, Vijaya Bank since its inception in the year 1931 has been on a path of success and growth. Yes, you read that absolutely right! This public sector bank over the years has created its own position in the Indian banking sector, has trusted by many. The bank offers numerous uniquely and thoughtfully designed products such as Deposits & Loans Products, NRI & Cards Services and Remit & Collect and many more. The best thing about these products is the fact that each product is known for fulfilling the financial needs and suits the needs of all.    

However, keeping this into consideration, the bank is always ready to serve the diverse needs of one and all. This is the reason that over the years this public sector bank has become the favourite of many, especially the people living in Patna. Be it loans, insurance, investment, cards, online banking or more, this lender ensures to deliver the best experience in least the time frame. If you are looking something more, please go to the page below and get all the updates about Vijaya Bank loans in Patna. 

Vijaya Bank Patna Branches

BranchAddressIFSCMICRCustomer Care
Patna Main, BiharSatkar Shopping - , Arcade, , Fraser Road, Patna, Bihar, 800001VIJB0008403800029002
Kadam Kuan, PatnaGeetha Bhavan, Rajendra Path, Kadam Kuan, Patna, Bihar, 800003VIJB00084098000290030612 2665762
Jayaprakash Narain International Airport Extention Counter, PatnaExtention Counter, J P Intl Airport, Patna, Bihar State, 800001VIJB0008481
Patna Womens College Extention Counter, PatnaExtention Counter, Patna Womens College, Bailey Road, Patna, Bihar State, 800001VIJB0008482
Currency Chest PatnaCurrency Chest, Satkar Hotel Bldg, Frazer Road Patna Bihar - 800001VIJB00096088000290100612-2224830
MurawatpurMurawatpur Branch, Hajipur Barauni Rd, Murawatpur-844506VIJB0008420844029506
Sitmarhi Branch1St Floor, Bye Pass Road, Chak Mahila, SitamarhiVIJB0008426843029002
Gopalganj BranchGround Floor, Trust Market, Thawe Road, Near Bus Stand, Gopalganj-841440VIJB0008428841029440
Regional Office PatnaRegional Office Patna, Satkar Shopping Arcade, Frazer Road, , Patna, Patna, BiharVIJB0009134800029001
FatwahFirst Floor, Maa Suvila Market, Station Road, Fatwah, BiharVIJB0008433600029039244006
KhagaulGround Floor, 33A/1, Neora Road Khagaul -801105, BiharVIJB0008437
Rajabazar, Patna1St Floor, Ranjan Path Bailey Rd PatnaVIJB0008447

Products Offered by Vijaya Bank in Patna

Those who live in Patna should be more than happy as Vijaya Bank with its exclusive range of products such as housing loan, jewel loan, 4 wheeler loan, personal loan and education loan leaves no stone unturned to deliver nothing but the best. To know more about each product, this page is worth reading for you. 


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%
IndusInd Bank 12.99% - 20.00%
Kotak Bank 10.99% - 17.99%
RBL 14.00% - 20.00%
Standard Chartered Bank 10.99% - 14.49%
Tata Capital 13.00% - 21.00%
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%
Kotak Bank 8.35%
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