Vijaya bank Home Loan | Interest Rates | Eligibility | Documents

Vijaya Bank Home Loan – Get details on Interest Rates, Documents, EMI and Fees and Eligibility with Vijaya Bank housing loan. Calculate your loan emi with Loan calculator.

Vijaya Bank Home Loan Details

Interest rates 9.65%
Lowest EMI Rs.852 per lac
Processing fees 1.00%
Prepayment charges Nil
Repayment options Upto 30 years
Maximum loan amount No Limit
Loan approval time 1 week
Maximum Finance Upto 85%
Min. Income 12000 p.m


Loan Amount


Annual income

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Home Loan Interest Rates of Vijaya Bank Home Loan: Updated as on 02 January 2016

upto 30 Lacs

30-75 lacs

Above 75 lacs

Upto 10 years




10 -20 years





  1. Individuals with minimum age of 21 years and Maximum age of 65 years are eligible.
  2. The applicant/beneficiary shall have sufficient income to repay the loan along with the interest within sanctioned period.
  3. In case of salary income alone is considered for deciding the quantum of loan, such salaried persons should be in permanent service and not probationers: Persons nearing superannuation getting retirement benefits sufficient to cover the Loan applied can also be considered.
  4. Upto 75 months’ average gross income of the applicant.
  5. Maximum age – 75 years i.e. age by which the loan to be fully repaid.

About Vijaya Bank:
Vijaya Bank today is a PAN India Institution, serving diverse sectors of the society. Vijaya Bank is famous bank of India with over 1767 Branches and 1509 ATMs all over the India. Karnataka Is the main state for Vijaya Bank because of highest number of branches. Vijaya Bank has 13000+ employees. All Branches / offices are under RTGS / NEFT. The Bank also offers RuPay cards to its customers. bank has already 13 Million + customers base.

Vijaya Bank Home Loan EMI Calculator

Calculate your home loan EMI. How much will a loan cost you every month? Our EMI calculator for home loan will tell you quickly. Calculate EMI @ 9.65% Rate of Interest.

• Enter the loan amount you wish to avail in the EMI calculator.
• Then enter the loan tenure (months).
• And the rate of interest (reducing).
• Press “calculate”.
• Our EMI calculator will tell you just how much your EMI amount comes to.

Calculate Loans EMI Online

Loan Amount
Interest Rate (Reducing) % Per Annum
Loan Tenure (in Months)
Monthly EMI
Total Amount with Interest
Total Interest Amount
Yearly Interest Amount

✓ Calculated Monthly EMI for 20 Lac loan amount @ 9.65% Percent Rate of Interest for 30 Years – Rs.17036.4
✓ Total Amount with Interest paid by you – Rs.6133104
✓ Flat Interest Rate Per Annum – 6.89%
✓ Flat Interest Rate Per Month – 0.57%
✓ Total Interest Amount for 20 Years – Rs.4133104
✓ Yearly Interest Amount – Rs.137770.13

Quantum of Loan:

  • Minimum loan amount –  Rs. 1.00 lakh
  • Maximum loan amount –  Rs. 100 lakhs  – on need based as per the cost less stipulated margin subject to loan entitlement.
  • In case of Repairs/Renovation – maximum is Rs. 10 Lakhs
  • Home Loan of less than Rs. 1 lakhs can also be considered under Swarna Jayanti / Golden Hublee Scheme in rural / Semi – Urban places.

Pre-payment Charges: NIL

  • Prepayment /Pre –Closure Charges:

Housing loans- Prepayment /Pre –Closure/Switch over to other Bank within 5 years of availing the loan:

    No Processing, Documentation and Inspection charges upto 31st March 2015.

How much you are entitled to?

  • Upto 75 months’ average gross income of the applicant.
  • To enhance loan eligibility, applicant has option to add income of spouse/children, expected rent, depreciation and income from other sources.

What is your contribution?
  •       20% of the cost of the project excluding stamp duty, registration charges.

Documents required for Vijaya Bank Home loans

  • 2 passport size photos
  • Proof of Identification (Identity card /Passport /Voter Identification card / Driving License/AADHAAR)
  • Proof of Residence viz. tax receipt/ telephone bill/ electricity Bill etc.
  • Statement of account of the applicant/co-applicant for the past one year from their present Bankers.
  • 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
  •  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).
  • Income Certificate issued by Revenue Authorities in case the applicant is an agriculturist.


  • Original Sale Deed / Partition Deed/Gift Deed/Conveyance Deed Prior title deeds (all link documents), original/certified copies.
  • Conversion Order, if any, in case of conversion of Agricultural land for Non-Agricultural purposes.
  • Encumbrance Certificate for the last 13 years from the Sub-Registrar
  • Copy of the agreement for sale/Letter of offer
  • Copy of the latest tax paid receipt (Advance IT, Property Tax, Municipal Tax etc.)
  • Copy of Share Certificate/NOC from Society/builder, wherever applicable.
  • Copy of License for construction.
  • Copy of the Approved Plan / Blue Print of the building / flat to be constructed therein.
  • Copy of the detailed estimation of the cost of construction.

About Vijaya Bank
International Banking Division, Head Office, 41/2, Trinity Circle, M.G.Road, Bangalore 560001.
Tel : 91 80 25584066
Ext : 349 or 348
Fax : 91 80 25584142

Head office located at :
41/2, Trinity Circle, M.G. Road,
BANGALORE – 560001

Phone no. 080 – 25584066 (20 lines)

Toll Free No: 18004255885 / 18004259992

E-Mail To :

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