Vijaya Bank Car Loan

Vijaya Bank भारत का एक राष्ट्रीयकृत निजी क्षेत्र का बैंक है। 15 अप्रैल 1980 को विजया बैंक एक राष्ट्रीयकृत बैंक बन गया। इस बैंक की पूरे भारत में 1805 शाखाएँ, 50 एक्सटेंशन काउंटर और 1592 एटीएम हैं। विजया बैंक अपने ग्राहकों को उनकी नई या पुरानी कार खरीदने के लिए उचित ब्याज दरों पर कार ऋण प्रदान करता है। आप आसानी से कार ऋण प्राप्त कर सकते हैं जो प्राप्त कर सकते हैं जिनके पास अच्छा क्रेडिट/सिबिल स्कोर है।

Vijaya Bank Car Loan Interest Rate

7.35% per annum

Min Loan Amount

₹ 50,000

Max Loan Amount
(Loan to Value)

Loan up to 85% of On Road Price

Loan Tenure

1 year to 7 years

Lowest EMI / Lac

NIL

Minimum Net Monthly Income

₹ 20,000

Minimum ITR for Self Employed

₹ 300,000

Age Criteria

Salaried: 21 years to 70 years
Self Employed: 21 years to 70 years

Types of Cars

For All New Passenger Cars, Multi Utility Vehicles (MUVs) and Sport Utility Vehicle (SUVs).

Processing Fee

0.40% of the principal amount

Foreclosure Charges

No foreclosure

Basic Documentation

ID Proof, Address Proof, Salary Slip, Bank Statement and Car Quotation

Vijaya Bank Car Loan Eligibility

Salaried Individual

·         Age – 21-70 years of age

·         Net Monthly Income – should be a minimum of ₹ 20,000

·         Employment Duration – Minimum 1 year

·         Income Eligibility – Depends on Form 16 and Salary Slip

Self-Employed Individuals

·         Age – 21-70 years of age

·         Minimum ITR  – Rs. 4 lakh, Rs. 18 lakhs (for selected car models)

·         Employment Duration – Minimum 3 years

·         Income Eligibility – Depends on the latest Income Tax Returns

Self-Employed Non-Individuals (Company/Partnership)

·         Minimum ITR  – Rs. 4 lakh, Rs. 18 lakhs (for selected car models)

·         Employment Duration – Minimum 3 years

·         The applicant has to present IT returns and audited financials of 2 years with Calculated Income.

Priority Customers

·         Applicant should have a vintage of at least 6 months

·         Average Quarterly Balance – Minimum Rs.1 lakh for last 2 quarters

·         Maximum Loan Amount – 3 X Average Quarterly Balance of Last 2 quarters

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