Vijaya Bank Personal Loan - Eligibility & Documentation

Eligibility

Eligibility of personal loan in Vijaya Bank relies upon different factors but the most important factor is your ability to repay the loan. The main factors on which the eligibility of an applicant depends are

Age: Age plays an important role to know your eligibility and repayment capacity. Vijaya Bank offers personal loan to salaried individuals who are atleast 21 years old at the time of loan approval and maximum 55 years at the time of loan maturity.

Income: personal Loan calculator calculates your eligibility based upon your income. Usually bank set minimum levels of income to apply for personal loan. Vijaya Bank asks for net monthly income of minimum Rs. 20,000.

Job stability and Profession: Job stability is important to improve your status and eligibility for personal loan from Vijaya Bank. In case you are salaried, you must be in a full time job for at least 0 months of which not less 0 month must be with your current company. If you are working with a reputed company, probability of getting personal loan from Vijaya Bank increases as the income is considered to be more stable and bank offers low interest personal loan to the employees of reputed companies.

CIBIL Score: Your past CIBIL history and repayment record of existing loans and credit cards has direct impact on your personal loan eligibility. If you have a poor repayment record, then you may not get the loan but on the other side, a regular repayment record increases your personal loan eligibility.

Loan Amount: Vijaya Bank gives you personal loan depending upon your income. Vijaya Bank gives you an amount ranging from Rs. 50,000 to Rs. 600,000. To improve chances of approval, apply for a loan amount that you can comfortably service.

Documents

Filled up loan application form

Passport Size Photo

Income Tax PAN Copy

Identity Proof - Driving License/ PAN/ Passport/ Voter ID

Residential Address Proof - Registered Rent Agreement/ Passport/ Leave and License/ Utility Bill (upto 3 months old)

Income Documents - 2 years Form 16, 3 month pay slip, 3 months bank statement showing salary credit and any EMI debit

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