Vijaya Bank Personal Loan

For Instant Approval ↓Apply Here↓

I have read the Privacy Policy & Agree to Terms & Conditions and authorize Dialabank & its partner institutions to Call or SMS me with reference to my application.

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

Features Details
Age 21 – 60 (at loan maturity)
CIBIL Minimum 750 or above
Interest Rate 12.50%
Lowest EMI per lakh Rs 2148
Tenure 12 to 60 months
Processing Fee 2.50% (Min Rs 1000)
Prepayment Charges Allowed after 12 Months (2 – 4 %)
Part Payment Charges Allowed after 12 Months (2 – 4 %)
Minimum Loan Amount ₹50,000
Maximum Loan Amount ₹ 75 Lakh

Each Feature Explained in Detail Below

Benefits of Vijaya Bank Personal Loan

There are some features of 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. 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 Documents Required

Personal Loan EMI Calculator for Vijaya Bank Bank

Vijaya Bank Personal Loan Comparison with Other Banks

Particulars Vijaya Bank Bajaj Finserv Axis Bank Citibank ICICI Bank
Interest Rate 12.50% onwards Starting from 12.99% 15.75% to 24% Starting from 10.99% 11.50% to 19.25%
Tenure 12 to 60 months 12 to 60 months 12 to 60 months 12 to 60 months 12 to 60 months
Loan amount Up to Rs. 6 lakhs Up to Rs. 25 lakhs Rs. 50,000 to Rs. 15 lakhs Up to Rs. 30 lakhs Upto Rs. 20 lakhs
Processing Fee Up to 2.50% of the loan sum Up to 3.99% of the loan sum Up to 2% of loan sum plus GST Up to 3% of the loan sum Up to 2.25% of loan sum plus GST

How to apply for Vijaya Bank Personal Loan?

  1. Avail personal loan online in a few seconds. You can even check your eligibility and the rates of interest online.
  2. Visit www.dialabank.com 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 to 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 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 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 maximum of 1-3 days to its pre-approved already existing account holders.

Vijaya Bank Personal Loan Preclosure

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 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 nationalised banks of 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 fulfil 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 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 personalised service for availing Personal Loan by comparing between 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 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 Bank and fill the required information to check the status of your loan.

FAQs About Vijaya Bank Personal Loan

What is Vijaya Bank Personal Loan?

Personal loans with minimal documentation become hassle-free as no mortgage or security is required. Vijaya Bank provides personal loans to its pre-approved customers in just 10 seconds and within 4 hours for the new customers.

The interest rate starts from 10.49% per annum, and the borrower can use the loan amount for any personal financial need ranging from higher studies or a vacation to using the amount for day to day expenses.

How does Vijaya Bank Personal Loan work?

The first step would be to check your eligibility for the Vijaya Bank personal loan, which can be done online. If you are a pre-approved Vijaya Bank customer, you can avail the loan within seconds, and for others, the loan disbursal on average takes 4 hours.

You can avail up to Rs. 75 Lakhs with the lowest interest rates depending on your eligibility criteria and credit history. Repayment of the loan can be made on EMI basis or as agreed upon in the loan agreement.

What is Personal Loan rate of interest in Vijaya Bank?

Personal loan rate of interest in Vijaya Bank varies from 10.50% per annum to 18% per annum with a repayment tenure of your liking ranging between 1 to 5 years. For checking the latest Vijaya Bank Interest Rates visit us at Dialabank’s digital platform and compare it to avail the best offers suiting your needs.

What is the procedure of Personal Loan in Vijaya Bank?

The procedure to avail a personal loan with Vijaya Bank is hassle-free. You can apply for a Vijaya Bank personal loan by visiting the nearest branch with your documents, through a Vijaya Bank ATM, or using Vijaya Bank’s Loan Assist App. You can also contact and apply with Dialabank for secure processing and personalised assistance. The necessary steps include:

  1. Calculation of loan amount required as per your need
  2. Checking your loan eligibility online or by visiting the branch
  3. Approaching the bank via your preferred method (online or offline)
  4. Submitting the required documents with the banker,
  5. Disbursal of loan amount once your application and documents have been verified and approved.

How can I get Vijaya Bank Personal Loan?

Getting Personal Loan from Vijaya Bank is a simple process as minimal documentation ensures a quick disbursement time. You just have to check your eligibility status and contact the bank either online or by visiting the nearest branch. After submission and verification of the required documents, the loan amount will be credited to your bank account within 4 hours.

How to apply for Personal Loan in Vijaya Bank?

A personal loan is a security free loaning option to meet all your financial needs. You can apply for a personal loan with Vijaya Bank Bank with minimal documentation and get quick loan amount disbursal by visiting the nearest branch with your documents or filling an application online at Vijaya Bank Bank’s official website. You can also apply with Dialabank to avail of personalised assistance and get the best deals and offers.

Why apply for Vijaya Bank personal loan?

Vijaya Bank Bank is one of the leading providers of personal loans in India, and it offers the best loan options that come with a unique array of features and benefits. They provide personal loans at low-interest rates with minimum documentation for an easy and hassle-free process. The average disbursal time for a new customer is 4 hours. Repayment of the loan can be made through EMIs or via online payment options as preferred. Repayment tenure ranges between 1 to 5 years.

How much EMI on Vijaya Bank Personal Loan?

EMI (Equated Monthly Installment) is the amount payable to the bank every month as repayment of your loan. The EMI on Vijaya Bank Bank personal loan depends on the loan amount, interest rate, and the tenure of the loan. It can easily be calculated using the EMI calculator on Dialabank’s website.

How much CIBIL score required for Vijaya Bank personal loan?

Your CIBIL score is a significant factor involved in deciding your eligibility for a personal loan. Vijaya Bank requires you to have a CIBIL rating over 750 with 700 being the absolute lower limit. You can increase your CIBIL score by making timely payments of your EMIs and credit cards.

Minimum credit score needed for Vijaya Bank personal loan?

A credit score is a three-digit number between the range of 300-900 which reflects the creditworthiness of the borrower. It is based on your past credit files and your performance in the repayment of your loans. Vijaya Bank Bank requires you to have a minimum credit score of 750 to become eligible for a personal loan.

How to calculate Vijaya Bank personal loan EMI?

EMI on personal loan can be calculated using the formula, E = P x R x [(1+R)^N] / [(1+R)^N-1] where,

P= Principal or your loan amount, 

R= Rate of interest, and 

N= Loan Tenure. 

You can easily calculate your EMI online at Dialabank’s website for free and compare offers from different banks and finance companies.

What can I use Vijaya Bank personal loan for?

You can use your Vijaya Bank personal loan for many reasons ranging from small bill payments and daily expenses to a medical emergency and more significant expenses such as debt consolidation, wedding, etc. Fulfil all your monetary needs with a personal loan by applying online at Dialabank’s digital platform.

Can I prepay Vijaya Bank personal loan?

When a borrower pays off their loan entirely or in part before the agreed due date, it is termed as prepayment or preclosure. Vijaya Bank Bank gives you the option to prepay your loan provided that you have at least paid 12 month’s EMIs. You will be charged with a preclosure fee of up to 4% of your outstanding loan amount depending on the number of EMIs left to pay.

How to prepay Vijaya Bank personal loan?

Steps to prepay your Vijaya Bank personal loan:

  • Collect the required documents (PAN, Id proof, and any other loan documents)
  • Visit your loan branch and ask for the balance and any pre-closure charges or penalties. 
  • You will be prompted to fill a form requesting the prepayment of the loan. 
  • Pay the prepayment amount (cash up to Rs.49000, Cheque, or DD) and take its acknowledgement. 
  • Your loan will be closed as soon as the bank receives the fund.

How to repay Vijaya Bank personal loan?

You have the option of repaying your Vijaya Bank personal loan either by a standing instruction on your bank account to pay the EMI, online payment through different modes or post-dated cheques given to the loan branch.

How to repay Vijaya Bank personal loan online?

You can pay your personal Loan EMI online in just five steps:

  • Visit the payments page on Vijaya Bank Bank’s website.
  • Click on ‘PAY ONLINE’ and enter your ‘Loan No.’ and ‘Date of Birth’. 
  • Select your net banker from the drop-down menu and click on PAY. 
  • You will be securely redirected to the bank payment interface of your chosen net banking option. 
  • Complete the payment, and you will receive an online transaction confirmation. You can also pay your Vijaya Bank personal loan on Paytm.

What documents are needed for Vijaya Bank personal loan?

Vijaya Bank provides easy hassle-free personal loans with minimal documents. You will need your Aadhar card/Voter ID, PAN card, Bank statement of the last 3 months, and the latest salary slips/ITR file. For more information and personalised assistance, you can contact Dialabank’s financial helpline number.

How to check Vijaya Bank personal loan status? 

You have several options to check the status of your Vijaya Bank personal loan: 

  • 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 Bank and fill the required information to check the status of your loan.
  • You can also visit your loan branch and ask the banker for the same.

How to get Vijaya Bank personal loan top up?

Top up is the additional loan amount that can be taken from the existing bank of your running loan or at the time of balance transfer from your new bank. Vijaya Bank lets you avail this facility if you have paid at least 9 EMIs without any cheque bounces. You can get a top-up of minimum ₹50,000 and a maximum of your already sanctioned loan amount. You can check the online portal of Vijaya Bank for more offers or contact Dialabank for any financial help.

Table of Contents

Share This

Menu