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INTEREST RATES AT A QUICK GLANCE
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A QUICK GLANCE.
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Given below are the Rates of Interest and Charges for Deposits, Loans & services which
are given in
brief
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Click
here to get full details on
Deposit Interest Rates |
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Click here to get
full details on
Loans Interest Rates |
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RATES AT QUICK GLANCE EFFECTIVE FROM
01.11.2008.
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Nature
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Rate Of Interest (%)
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Minimum
Balance
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ACCOUNT
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Normal
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Sr. Citizen
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Rural
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S. Urban
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Urban
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Metro
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SAVINGS BANK ACCOUNT
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A
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Domestic
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a. With Chq. Book facility
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3.50
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3.50
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250
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250
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500
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500
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b. With out Chq. Book Facility
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3.50
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3.50
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100
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100
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250
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250
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c. No Frills Account
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3.50
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3.50
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0
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0
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0
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0
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B. Non Resident
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a. NRO
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3.50
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3.50
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250
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250
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500
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500
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B. NRE
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3.50
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3.50
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250
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250
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500
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500
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TERM DEPOSITS – DOMESTIC & NON RESIDENT
ORDINARY ACCOUNTS
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With effect from 19.11.2009
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Maturity Pattern
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For below Rs.15 lakhs
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For Rs.15 lakhs & above up to Rs. One Crore
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For above Rs. One Crore
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7 days to 14 days
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2.50% p.a.
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2.50% p.a.
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2.00% p.a.
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15 days to 29 days
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3.00% p.a.
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3.00% p.a.
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2.25% p.a.
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30 days to 45 days
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3.00% p.a.
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3.00% p.a.
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2.50% p.a.
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46 days to 90 days
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4.00% p.a.
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4.00% p.a.
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3.00% p.a.
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91 days to 179 days
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5.00% p.a.
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5.00% p.a.
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3.50% p.a.
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180 days to 269 days
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6.00% p.a.
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6.00% p.a.
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4.50% p.a.
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270 days to below one year
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6.25% p.a.
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6.25% p.a.
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5.50% p.a.
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1 year to 2 years
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7.00% p.a.
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6.50% p.a.
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6.00% p.a.
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Above 2 years to 3 years
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7.00% p.a
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7.00% p.a.
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6.00%p.a.
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Above 3 years
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7.25% p.a.
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7.25% p.a.
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6.00% p.a.
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1.
Additional interest rate for Senior Citizens shall be at 0.50%.
2.
The above rates in the Chart are also applicable to Capital Gain Account Scheme –
1988 and Vijaya Tax Savings Scheme.
3.
Deposits made by our Bank’s staff/retired member of the staff (on superannuation or
otherwise as per Bank’s Rules, but excluding employees retired compulsorily or in consequence of
disciplinary actions), are eligible for 1% additional interest.
4.
Retired staff members as in above are however,
not eligible for 1% additional interest on the two schemes under Capital Gain Scheme and
Vijaya Tax Saving Scheme. Deposits made by Bank’s retired members of the staff who are
also senior citizens, are thus eligible for additional interest of
only 0.50%.
5.
The revised rates are applicable to fresh deposits as well as on renewal of matured deposits.
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TERM DEPOSITS – NRE
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Effective from 01 FEBRUARY 2010
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Duration
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Rate of Interest
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1
year to less than 2 years
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2.60 %
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2
years to less than 3 years
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2.91 %
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3
years and above upto and including 5 years
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3.53 %
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TERM DEPOSITS – FCNR (B)
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Effective from 01 FEBRUARY 2010
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Period
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Rate of Interest (%)
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GBP
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USD
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EUR
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One year and above but below two years
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2.26
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1.85
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2.20
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Two years and above but below three years
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2.75
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2.16
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2.68
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Three years and above but below four years
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3.36
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2.78
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3.08
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Four years and above but below five years
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3.81
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3.29
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3.37
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Five years only
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4.14
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3.71
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3.63
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LOANS
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Vijaya Bank’s Special Festive Offer for Home Loans & Vehicle Loans
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Click here for details
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Vijaya Home Loan REVISED RATES w.e.f
01.04.2009 (BPLR = 12.25%)
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For loans up to Rs 30.00 Lakh
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For Loans above Rs 30.00 Lakh
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Period
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Floating
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Fixed
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Floating
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Fixed
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Upto 5 years
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9.25 %
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10.75 %
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10.00 %
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11.50 %
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Above 5-10 years
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9.50 %
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No fixed
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10.25 %
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No fixed
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Above 10 to 15 years
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9.75 %
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No fixed
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10.50 %
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No fixed
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Beyond 15 years
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10.00 %
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No fixed
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10.75 %
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No fixed
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[Please note that the cut-off limit of Rs.30 lakh refers to limit
sanctioned and not the balance outstanding]
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Scheme
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Rate of Interest BPLR=14% Floating
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V- Cash
( Personnel Loans )
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BPLR +1.50 = 13.75%
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1. For women beneficiaries including working women
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BPLR+1.00 = 13.25%
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2. For marriage and purchase of consumer durables
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BPLR+1.50 = 13.75%
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3. For Pensioners
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BPLR+0.50 = 12.75%
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V – Equip
(Consumer Durable Loan)
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BPLR + 0.50 =12.75%
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V-Wheels
(Vehicle Loan)
(for individuals, corporate clients, partnership firms)
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BPLR-1.00= 11.25%
(repayable within 5 years)
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EDUCATIONAL LOAN (FOR STUDIES IN
INDIA
AND ABROAD)
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Rate of interest
for
girl students(fOR FRESH LOANS FROM 01.11.08 TO 31.12.2010)
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BPLR-1.25 = 11.00%
BPLR-1.75 +10.50%
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Processing charges
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Nil
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QUANTUM OF FINANCE
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Studies in India … Rs. 10.00
lakh
Studies abroad … Rs. 20.00
lakh
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Repayment:
Repayment will commence one year after completion of
course or 6 months after securing a job, whichever is earlier.
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Place of Study
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Loan Amount
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Repayment Period in Years
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In
India
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Up to Rs. 7.5 lacs
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05-07
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Above Rs. 7.5 lacs
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05-10
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Abroad
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Up to Rs. 15 lacs
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05-07
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Above Rs. 15 lacs
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05-10
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In respect of Pilot Training Programme, Loan is to be repaid within 5
years after commencement of repayment.
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PROCESSING CHARGES W.E.F. 1.11.2008
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Housing Loan
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OTHER THAN INDIVIDUALS
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INDIVIDUALS IN OTHERTHAN RURAL AREAS
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INDIVIDUALS IN RURAL AREAS
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Up to Rs.2 Lakhs
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Rs.620/-
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Rs.562/-
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Rs.506/-
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Above Rs.2.00 lakh upto Rs.30 lakh
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Rs.620/- per lakh [0.62%] with a min of Rs.1240/- and max. of
Rs.18,600/-
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Rs.562/- per lakh [0.562%] with a min of Rs.1124/- and max. of
Rs.16,900/-
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Rs.506/- per lakh (0.506%) with a minimum of Rs.1012 and maximum of
Rs.15,210/-
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Above Rs.30 lakh
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Rs.930/- per lakh [0.93%] with a min. of Rs.27,820/- and
without any ceiling on the maximum.
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Rs.843/- per lakh [0.843%] with a min. of Rs.25,290/- and without any
ceiling on the maximum.
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Rs.760/- per lakh (0.760%) with a minimum of Rs.22,800/- without any
ceiling on the maximum
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V-Cash
[PERSONAL LOAN]
[Max. amount of loan is Rs.5 lakhs]
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Not applicable
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a) Upto Rs.25,000/- : Rs.281/-
b) Above Rs.25,001/- to Rs.2.00 lakh : Rs.562/- per lakh
[0.562%] Min. Rs.562/- and Max. Rs.1124/-
c) Above Rs.2.00 lakh : Rs.843/- per lakh [0.843%] Min. Rs.1690/- and
Max. will be Rs.4,215/-
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a. Upto Rs.25000/- : Rs.253/-
b. Above Rs.25,001/- upto Rs.2.00 lakh: Rs.506/- per lakh [0.506%]
Minimum Rs.506/- and Maximum Rs.1012/-
c. Above Rs.2.00 lakh : Rs.760/- per lakh (0.760%) Minimum
Rs.1530/- and Maximum Rs.3800/-.
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V-Equip
[CONSUMER DURABLE LOAN]
(Maximum loan amount Rs.3 lakh)
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Rs.620/- per lakh (0.620%) Minimum Rs.1240/-
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Rs.562/- per lakh (0.562%) Minimum Rs.1124/-
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Rs.506/- per lakh (0.506%) Minimum Rs.1012/-
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V-Wheels
[VEHICLE LOAN]
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Rs.620/- per lakh (0.620%) Minimum Rs.1240/-
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Rs.562/- per lakh (0.562%) Minimum Rs.1124/-
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Rs.506/- per lakh (0.506%) Minimum Rs.1012/-
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Education Loan
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Not applicable
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Nil
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Nil
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CHARGES
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FEE BASED SERVICES
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RENTAL RATES OF Safe Deposit Lockers PER
YEAR (In
Rupees)
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Area of the Locker in Cubic inches
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Rural
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Semi-urban
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Urban
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Metro
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Up to 750
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730
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730
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786
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898
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751 to 1100
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786
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786
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898
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1010
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1101 to 1600
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1571
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1684
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1796
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2245
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1601 to 2100
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1684
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1908
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2020
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2582
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2101 to 3100
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2918
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3143
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3143
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3367
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3101 to 4100
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3367
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3367
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3592
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3816
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4101 to 6500
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4490
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4490
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4490
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4490
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Credit Card Fee Structure
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Fee structure
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Classic cards
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Classic International/ City Specific
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Gold/Global
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Corporate Classic group
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Corporate Gold group
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Entrance
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300/-
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400/-
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Rs 1000/-
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Nil
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Nil
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Advance Annual Fees
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300/-
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400/-
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Rs 1000/-
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250 x 3
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500 x 3
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Add-on Cards are issued free of cost.
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Charges (not an exhaustive list)
- Card replacement charges(for Lost/Stolen or any
other reason) - Rs 150/- .
- Card hotlisting charges – Rs.200/-.
- Cash handling charges – 3% of the amount
withdrawn.
- For cash withdrawn from other Bank ATMs
in India – Rs.75/- extra.
- For cash withdrawn from other Bank ATMs
outside India – Rs.100/- extra.
- Transactions at Railways and Petrol Pumps –
2.5% of the transaction amount with a minimum of Rs.10/-.
- Mark up of 2.50% for international
transactions
- Revolving credit charges – 1.75% p.m.(or 21%
p.a.)
Note: In addition to above, service tax, if
applicable at applicable rates will also be charged.
ALL THE ABOVE FEES/CHARGES WILL BE BILLED AT
CARD DIVISION, HO
Charges levied at the branch
- Charges on amount unpaid at the branch –<
/span> 2.25% p.m.(or 27% p.a.)
- Penalty of Rs 150/- for Classic Card issued
life time free in case balance falls below Rs 10000/- in the Savings/Current Account.
- Penalty of Rs 500/- for Gold/Global Card issued
life time free in case balance falls below Rs 25000/- in the Savings/Current Account
Fees/charges indicated here are as prevalent
currently and are liable for change from time to time
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Debit Card charges
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Entrance Fee
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Free - for Non photo
Rs 100/- for Photocard
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Hotlisting of the card
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Rs 50/-
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Card replacement
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Rs 100/-
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PIN regeneration
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Rs 25/- per request
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Cancellation charges
(Applicable if cancelled in the first card year)
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Rs 100/-
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Transaction Charges
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Vijaya Bank ATM
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NFS Member bank’s ATM
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Cash withdrawal per transaction
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Free
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Rs 13/-
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Balance Enquiry per transaction
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Free
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Free
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The Charges for using VISA ATMs are
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Particulars
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Domestic
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International
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Cash withdrawal per transaction
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Rs 20/-
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Rs 125/-
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Balance Enquiry per transaction
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Free
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Free
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Decline transaction for insufficient funds
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Free
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Free
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Other Charge
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Surcharge
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2.50% or Rs 10/- whichever is higher on transactions at
Railways/Petrol Pumps
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Charges for request for copy of charge slip
i) for transactions at our merchants
ii) for transactions at other banks merchants
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Rs 100/-
Actuals with a minimum of Rs 100/-
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Mark up
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2.50% for international transactions
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Note : In addition to above, service tax, if
applicable at applicable rates will also be charged. Fees/charges/limits indicated here are as
prevalent currently and are subject to revision by the bank from time to time
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REMITTACES
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Sl No
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Services
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Other than individuals
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Individuals
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Other than rural
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Rural
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1.
Service Charges on DD / MT / TT
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|
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Up to Rs 1, 000/‑
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Rs.30
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Rs.25
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Rs.20
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Above Rs 1,000/‑ up to Rs 5,000/‑
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Rs.40
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Rs.35
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Rs.30
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Above Rs 5,000/‑ up to Rs 10,000/‑
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Rs.40
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Rs.35
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Rs.30
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Above Rs 10,000/‑ up to Rs. 1 lakh
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Rs 2.50 per thousand or part thereof with a minimum of Rs.50/-
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Rs 2.50 per thousand or part thereof with a minimum of Rs.40/-
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Rs 2 per thousand or part thereof with a minimum of Rs.35/-
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Above Rs 1.00 lakh up to Rs.10 lakhs
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Rs.2.50 per thousand or part thereof with a minimum of Rs 250/‑<
/span>
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Rs.2.25 per thousand or part thereof with a minimum of Rs 250/‑<
/span>
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Rs.2 per thousand or part thereof with a minimum of Rs 200/‑
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Above Rs.10 lakhs
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Rs.2.25 per thousand or part thereof, with a minimum of Rs.2500/- and
maximum of Rs.12000/-
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Rs.2.00 per thousand or part thereof, with a minimum of Rs.2300/- and
maximum of Rs.10000/-
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Rs.2.00 per thousand or part thereof, with a minimum of Rs.2300/- and
maximum of Rs.10000/-
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2.
OutStation Cheques Collection
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Upto Rs.10, 000/‑
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Not Exceeding Rs. 50/- Per Instrument
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Above Rs.10,000/‑ upto Rs 1,00,000/‑
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Not Exceeding Rs. 100/- Per Instrument
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Above Rs. 1,00,000/-
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Not Exceeding Rs. 150/- Per Instrument
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3.
Handling Charges for Bills / Cheques Returned Unpaid
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|
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a) Local cheques:
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Cheques issued by our account holders but returned unpaid by us
through clearing or across the counter for want of funds and / or cheques deposited by our account
holders but returned unpaid by other banks for want of funds:
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|
i) In case of SB Account
|
N.A.
|
Rs.35 for deposited cheque returned. Rs.85 for issued cheque
returned
|
Rs.30 for deposited cheque returned
Rs. 60 for issued cheque returned
|
|
ii) In case of Current / CC(M)/ CC(H)/ Accounts
|
Rs.60 for deposited cheque returned Rs. 200 for issued cheque
returned
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Rs.60 for deposited cheque returned Rs. Rs.150 for issued cheque
returned
|
Rs.60 for deposited cheque returned Rs. 120 for issued cheque
returned
|
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b) Outstation cheques & Local / Outstation Bills
|
|
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In all cases
|
50% of the prescribed collection charges as prescribed above subject
to a minimum of Rs.100
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50% of the prescribed collection charges as prescribed above subject
to a minimum of Rs.75
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50% of the prescribed collection charges as prescribed above subject
to a minimum of Rs.60
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4.
Electronic Products
|
|
a
|
INWARD RTGS/NEFT/ECS
transactions
|
FREE (NO CHARGES)
|
|
b
|
OUTWARD TRANSACTIONS
|
|
|
RTGS
- Rs. 1 to 5 Lakhs
|
Not Exceeding Rs.25 per Transaction
|
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Rs. 5 Lakhs & above
|
Not Exceeding Rs.50 per Transaction
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NEFT
- Upto Rs. 1 Lakhs
|
Not Exceeding Rs.5 per Transaction
|
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Rs. 5 Lakhs & above
|
Not Exceeding Rs.25 per Transaction
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c
|
Banks may prescribe charges not higher than cheque return charges for
ECS debit returns
|
|
d
|
These charges shall be applicable to all types of transactions,
including inter bank tranfers
|
|
5.
Issuance of Cheque Books in all centres
|
|
|
i) Current / CC (M) / CC (H) a/c
|
Rs. 5/- per cheque leaf
|
Rs. 5/- per cheque leaf
|
Rs. 3/- per cheque leaf
|
|
ii) SB accounts
|
|
Rs.5/- per cheque leaf over and above 25 free leaves per calendar
year
|
Rs.3/- per cheque leaf over and above 25 free cheque leaves per
calender year
|
|
|
iii) Multi City Cheques (Applicable for CBS branches)
|
Rs. 10/- per cheque leaf
|
|
|
|
6.
Certification fee
|
|
|
Certificates issued on behalf of clients by the branches / offices,
like Certificate of constitution, Certificate of ownership / Names of partners, Proprietors
etc.
|
Rs. 150/- per occasion
|
Rs. 100/- per occasion
|
Rs. 60/= per occasion
|
|
|
Issue of No Objection Certificate (NOC) and No Due Certificate
(NDC)
|
Rs. 150/= per occasion
|
Rs. 100/= per occasion
|
Rs. 60/= per occasion
|
|
|
Note:
No charges to be levied for issuing NOC/NDC to the applicants
belonging to weaker sections (refer HOC 103/07)/ Government sponsored schemes
|
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0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0-0 |
