Vijaya Bank Personal Loan

⋆ Interest Rate 9.99% ⋆

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Why us?

Rates as low as 9.99%*
Loans Up to 30 Lacs
Same Day Disbursal
Doorstep Service
Unbiased Experts Advice

Vijaya Bank Personal Loan Key Features

Eligibility Criteria  Details
Age 21 – 60 (at loan maturity)
CIBIL score Minimum 750 or above
Vijaya Bank Personal Loan Interest Rate 9.99% per annum
Lowest EMI per lakh Rs 2148
Tenure 12 to 60 months
Vijaya Bank Personal Loan Processing Fee 1% of the loan amount
Prepayment Charges Allowed after 12 Months (2 – 4 %)
Part Payment Charges Allowed after 12 Months (2 – 4 %)
Minimum Loan Amount Rs. 50,000
Maximum Loan Amount ₹ 75 Lakh

Each Feature Explained in Detail Below

Benefits of Vijaya Bank Personal Loan

There are some features of the Vijaya Bank Personal Loan that are mentioned below.

  1. First of all, it is effortless to access. You can apply for a personal loan online in 2 minutes.
  2. Besides that, you can check your eligibility, interest rates, and EMI’s online.
  3. You can calculate your EMI’s online on the online calculator.
  4. If you are eligible, your loan will get approved in a few minutes.
  5. After the approval of your loan and the submission of the documents, your loan will be disbursed very quickly.
  6. The rates of interest in Vijaya Bank Personal Loan is very affordable.
  7. The documentation process is straightforward and easy. You just have to submit some essential documents.
  8. The applicant should be working at the current place for at least one year if he/ she is salaried.

Vijaya Bank Personal Loan Eligibility Criteria

The eligibility criteria for a loan are as follows:

CIBIL score 750 and Above
Age 21-60 years
Min Income  Rs 25000/month
Occupation Salaried/Self-employed

Vijaya Bank Personal Loan Interest Rate, Fees & Other Charges

Vijaya Bank Personal Loan Interest Rate 9.99% per annum
Vijaya Bank Processing Charges 1% of the loan amount
Prepayment Charges Nil
Stamp Duty As per state laws
Cheque Bounce Charges As per bank terms
Penal Interest 2% of the outstanding amount
Floating Rate of Interest Not Applicable

Vijaya Bank Personal Loan Documents Required

Form Duly filled application form
Proof of Identity Copy of:
> Passport
> Driving License
> Aadhar Card
> Voter ID Card
Proof of Address Rent Agreement (Min. 1 year of stay)
Utility Bills
Passport (Proof of permanent residence)
Ration card
Proof of Income > ITR: Last two Assessment years
> Salary Slip: Last 6 months
> Bank Statement: Last 3 months

Personal Loan EMI Calculator for Vijaya Bank

Vijaya Bank Personal Loan Comparison with Other Banks

Bank Interest Rate Tenure Loan Amount & Proc Fee
Vijaya Bank 9.99% 12 to 60 months Up to Rs. 6 lakh / Up to 2.50% of the loan amount
HDFC Bank 11.25% to 21.50% 12 to 60 months Up to Rs. 40 lakh / Up to 2.50% of the loan amount
Bajaj Finserv Starting from 12.99% 12 to 60 months Up to Rs. 25 lakh / Up to 3.99% of the loan amount
Axis Bank 15.75% to 24% 12 to 60 months Rs. 50,000 to Rs. 15 lakh / Up to 2% of the loan amount
Citibank Starting from 10.99% 12 to 60 months Up to Rs. 30 lakh / Up to 3% of the loan amount
ICICI Bank 11.50% to 19.25% 12 to 60 months Upto Rs. 20 lakh / Up to 2.25% of the loan amount

How to apply for Vijaya Bank Personal Loan?

  1. Avail personal loans online in a few seconds. You can even check your eligibility and the rates of interest online.
  2. Visit dialabank on google.
  3. After that search for the Personal Loan.
  4. Now fill the application form with your necessary information.
  5. Don’t forget to enter your exact contact number.
  6. Now click on the apply button.

Why should you apply for Vijaya Bank Personal Loan with Dialabank?

Dialabank lets you choose the most suitable option of banks by providing you with the updated market comparison of different banks so that you can make the right choice. We, at Dialabank, have already helped thousands of people to get the loan they need without any issue, and we look forward to continuing in doing so. Apply with us today to get the offers and exclusive deals on Vijaya Bank Personal Loan.

Call us at 9878981166 to avail Vijaya Bank Personal Loan.

How to Calculate EMIs for Vijaya Bank Personal Loan

You can easily calculate the EMIs on your loan, and you just require the basic information regarding the loan –

  1. Amount of the Loan
  2. Rate of Interest
  3. Tenure

Just put these values in the calculator below to find the exact amount payable each month.

Vijaya Bank Personal Loan Processing Time

Vijaya Bank usually takes two weeks or 15 days when it comes to the Processing of Personal Loan Applications. However, Vijaya Bank approves the loan in just a few hours to a maximum of 1-3 days to its pre-approved already existing account holders.

Vijaya Bank Personal Loan Preclosure Charges

Vijaya Bank gives you the option of pre-closing your loan after a period of a minimum of 12 months of taking the loan and paying 12 successful EMIs on your investment. However, Vijaya Bank charges a Prepayment or Pre-closure charge; if you wish to do so we have listed the commands below:

Time Pre-closure Charge
13 to 24 months 4%
25 to 36 months 5%
more than 36 months 2%

About Vijaya Bank Personal Loan

Vijaya Bank is a public sector bank, and the corporate office of the bank is in Bangalore. Furthermore, the bank is one of the nationalized banks in India. Mr. A.B Shetty is the founder of the bank. The bank serves its customers with various financial products it includes loans as well. A personal loan is a significant product and is primarily there to help the customers to fulfill their business needs. Vijaya Bank Personal Loan is a type of loan where you borrow the funds from the bank at a low rate-of-interest to meet your demand. It can be anything; the bank would not question the use of the loan amount.

Vijaya Bank Personal Loan

How to Apply Online for Vijaya Bank Personal Loan?

You can apply for Vijaya Bank Personal Loan online by visiting the Vijaya Banks online portal and filling the form for applying for a personal loan, or you can simply follow the given steps for applying for a Vijaya Bank Personal Loan –

  • Visit DialaBank
  • Fill the Application form and submit it.
  • Wait for a call from one of our Relationship Managers who are experts in this field.
  • Get personalized service for availing Personal Loan by comparing the features of various banks and selecting the one which is most suitable according to your needs. 

Vijaya Bank Personal Loan Status

You can check the status of your Vijaya Bank Personal Loan by the following methods – 

  • You can also visit your loan branch and ask the banker for the same.
  • Log In to the Vijaya Bank Netbanking Portal, Click on loans from the top ribbon and click on Enquire to check the status of your loan.
  • Search for ‘personal loan status’ on Google, open the first link which will take you to the Loan Status Tracker webpage of Vijaya Bank, and fill the required information to check the status of your loan.

FAQs About Vijaya Bank Personal Loan

✅ How to apply for Vijaya Bank Personal Loan?

You can apply for a personal loan with Vijaya Bank through visiting the nearest Vijaya Bank branch or by a simple form submission with Dialabank. With Dialabank, you get the satisfaction to apply from anywhere for a personal loan and get online approval faster.

✅ What is the Interest Rate for Vijaya Bank Personal Loan?

Vijaya Bank charges an interest rate that starts at 9.99% per annum for their personal loan products.

✅ What is the minimum age for getting a Personal Loan from Vijaya Bank?

You must be 21 years old to apply for a personal loan with Vijaya Bank.

✅ What is the maximum age for getting a Personal Loan from Vijaya Bank?

The maximum age for getting a personal loan from Vijaya Bank is 60 years.

✅ What is the minimum loan amount for Vijaya Bank Personal Loan?

The minimum loan amount for availing a personal loan from Vijaya Bank is Rs 50,000.

✅ What is the maximum loan amount for Vijaya Bank Personal Loan?

You can avail of a maximum loan amount of Rs. 75 lakhs under the personal loan scheme from Vijaya Bank.

✅ What are the documents required for Vijaya Bank Personal Loan?

You will require Aadhaar card/Voter ID, PAN card, salary slips of the last 6 months, the ITR files of the last two years, and two recently clicked photographs are required for a personal loan from Vijaya Bank.

✅ What is the Processing Fee for Vijaya Bank Personal Loan?

Vijaya Bank charges a processing fee of up to 1% of the loan amount for the personal loan.

✅ How to get Vijaya Bank Personal Loan for Self Employed?

Vijaya Bank provides special offers for self-employed borrowers to meet their financial needs. You must have the ITR files of the last three years as your income proof.

✅ What is the Maximum Loan Tenure for Vijaya Bank Personal Loan?

The maximum period of loan tenure for a personal loan from Vijaya Bank is 60 months.

✅ What should be the CIBIL Score for Vijaya Bank Personal Loan?

You must have a CIBIL score of 750 minimum or above for getting a personal loan from Vijaya Bank.

✅ Do I have a preapproved offer for Vijaya Bank Personal Loan?

You can check out your preapproved personal loan offers from Vijaya Bank with Dialabank. Just fill the form, and we will check out all the offers for you and get back to you to help you choose the best.

✅ How to calculate EMI for Vijaya Bank Personal Loan?

You can use the EMI calculator available at Dialabank’s website for the calculation of your personal loan EMIs from Vijaya Bank.

✅ How to pay Vijaya Bank Personal Loan EMI?

Your personal loan EMIs from Vijaya Bank automatically takes from your bank account. You can also use the net-banking services of Vijaya Bank for the payment of your personal loan.

✅ How to close Vijaya Bank Personal Loan?

You will pay all the outstanding personal loan amount and then contact the branch of Vijaya Bank for receiving your no dues certificate.

✅ How to check Vijaya Bank Personal Loan Status?

You will require to visit the Vijaya Bank branch to check the status of your personal loan. Alternatively, you can visit Dialabank and fill a simple form to allow us to do work for you.

✅ How to close Vijaya Bank Personal Loan Online?

Closing of a personal loan from Vijaya Bank demands the following steps:

  • Visit the net-banking page of Vijaya Bank.
  • Login by your details.
  • Pay your personal loan.
  • Save the transaction receipt.

✅ How to pay Vijaya Bank Personal Loan EMI Online?

Your personal loan EMI can be paid through the Vijaya Bank’s net-banking services. Dialabank allows you to compare offers and deals from various banks to choose the best, to avail of low-EMI personal loans. All you have to do is fill a simple form, and we will do the rest for you.

✅ How to check Personal Loan Balance in Vijaya Bank?

To check the personal loan balance in Vijaya Bank, you will contact the customer care number of Vijaya Bank. If you are searching for low-interest personal loans, you can visit Dialabank and fill a simple form for Personal Loan Balance Transfer, and we will do the best for you.

✅ How to download Vijaya Bank Personal Loan Statement?

The personal loan statement of Vijaya Bank can be downloaded through the Vijaya Bank mobile banking app. You can visit the online platform of Dialabank and fill a simple form to know about all the offers that we have for you.

✅ How to Top Up Personal Loan in Vijaya Bank?

If you want a top-up on your personal loan from Vijaya Bank, you must visit the bank branch and contact the loan officer. Also, fill a simple form with Dialabank at Personal Loan Top Up and leave the rest to us

✅ What happens if I don’t pay my Vijaya Bank Personal Loan EMIs?

Vijaya Bank charges a penal interest if you fail to pay your EMIs of personal loans. If you are looking for low-interest personal loans,  you must apply for a balance transfer using Dialabank.

✅ How to find the Vijaya Bank Personal Loan account number?

You will require to contact your Vijaya Bank loan branch to find your personal loan account number. You may also fill out the form available at Dialabank and let us do all the work for you.

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