Current Month Offers from Vijay Capitals
How does the idea of getting your personal loan delivered at your desk sound? Great? Vijay Capitals will do exactly that for you. Your dedicated Vijay
Capitals expert will help you choose the right bank/institution, get the best rate, coordinate the documentation process and ensure the funds reach you in
the quickest possible time. All this and more without you even stirring from your desk.
Read below how these factors effect your Interest rates. To help its customers get the best interest rates on personal loans Vijay Capitals has consolidated all the information regarding latest rate of interests at one place. Please keep visiting this section to get updated rates of interests on personal loans.
Read below how these factors effect your Interest rates. To help its customers get the best interest rates on personal loans Vijay Capitals has consolidated all the information regarding latest rate of interests at one place. Please keep visiting this section to get updated rates of interests on personal loans.
• Super 5 Offer
• Offer for Teachers
• KRC Offer for the Key CSA Relationship corporates
• SRC Offer for select special corporates
• FIC Offer for select corporates of focus industry segments
• FEC Offer for select external corporates
• Top Executive Offer for the key decision makers of the corporates
• HNW Offer
• Offer for Government employees - Offer is segmented into MAHARATNA / NAVRATNA / Other Key PSUs/ Offer for other Govt employees
• Offer for PSU Banks
• Offer for Defense
• Offers on Balance Transfer
Please refer below for the detail terms and conditions of the offers and inform the concerned team members.
SPECIAL PERSONAL LOAN OFFER IN CHENNAI - Super 5 Offer
We are pleased to launch the Personal Loan Monsoon Bonanza Offer for the Super 5 for the month of September'12 for the corporates as per the detail below.
Kindly make use of this special pricing offer to further increase PL penetration in these corporates.
CSA Customers : Offer Rate - 13.99% , PF - 0.80%
Non CSA Customers : Offer Rate - 14.50%, PF - 1.00%
Terms
• Applicable Pan India for the corporates given below.
• Valid across all income levels and for fresh/top/enhancement sourcing.
• Applicable to all sourcing Channels.
• No further deviation/discounts will be allowed on the above rate/PF. PF is subject to a minimum collectable of Rs.1000/-
List of Corporate Company Name
Tata Consultancy Services
Accenture Services Pvt Ltd
CAPGEMINI INDIA PVT LTD
Cognizant Technology Solutions India Pvt Ltd
Oracle India Pvt Ltd
Oracle Solution Services India
Orancle Finance Serices Software Ltd.,
SPECIAL PERSONAL LOAN OFFER IN CHENNAI - Teachers Offer
Kindly make use of this special pricing offer to further increase PL penetration in these corporates.
Offer applicable for NTH>= 20k and disbursals till 30th Sep 12
* Customers below NTH<20k Income Band would be processed as per regular pricing grid.
SPECIAL PERSONAL LOAN OFFER IN CHENNAI - KRC Offer
We are pleased to launch the KRC (Key Relationship Corporates) offer for the month of September'12 for the top corporates as per the detail below.
• Both CSA and Non CSA customers of the corporates will be covered under this offer.
Kindly make use of this special pricing offer to further increase PL penetration in these corporates.
CSA Customers : Offer Rate - 14.25% , PF - 0.80%
Non CSA Customers : Offer Rate - 15.00%, PF - 1.00%
Terms
• Applicable Pan India for the corporates given below.
• Valid across all income levels and for fresh/top/enhancement sourcing.
• Applicable to all sourcing Channels.
• No further deviation/discounts will be allowed on the above rate/PF. PF is subject to a minimum collectable of Rs.1000/-
List of Corporates
SPECIAL PERSONAL LOAN OFFER IN CHENNAI - SRC Offer
We are pleased to launch the SRC (Special Relationship Corporates) offer for the month of September'12 for select special corporates as per the detail below.
CSA Customers : Offer Rate - 15.50% , PF - 1.50%
Non CSA Customers : Offer Rate - 15.75%, PF - 1.75%
Terms
• Applicable Pan India for the corporates given below.
• Valid across all income levels and for fresh/top/enhancement sourcing.
• Applicable to all sourcing Channels.
• No further deviation/discounts will be allowed on the above rate/PF. PF is subject to a minimum collectable of Rs.1000/-
List of Corporates
SPECIAL PERSONAL LOAN OFFER IN CHENNAI - FIC Offer
We are pleased to extend the FIC offer for the month of September 2012
Offer:
Terms and Conditions
• Applicable Pan India for the corporates given below.
• Both CSA and Non CSA customers will be eligible for the rates.
• Valid for fresh/top/enhancement sourcing.
• Applicable to all sourcing Channels.
• No further deviation/discounts will be allowed on the above rate/PF. PF is subject to a minimum collectable of Rs.1000/-
SPECIAL PERSONAL LOAN OFFER IN CHENNAI - FEC Offer
We are pleased to extend the FEC offer for the month of September 2012
Offer:
Terms and Conditions
• Applicable Pan India for the corporates given below.
• All customers will be eligible for the rates
• Valid for fresh/top/enhancement sourcing.
• Applicable to all sourcing Channels.
• No further deviation/discounts will be allowed on the above rate/PF. PF is subject to a minimum collectable of Rs.1000/-
SPECIAL PERSONAL LOAN OFFER IN CHENNAI - TOP Executive Offer
We are pleased to launch the Personal Loans : Top Executive Offer , for the month of September '12.
Offer detail:
CSA Customers : Offer Rate - 14.00%
PF - Flat PF of Rs. 1000/-
Terms and Conditions
• Applicable Pan India for CEO , CFO , HR HEAD & ADMIN Head of Super A , CAT A, CSA A, CSA B & CAT B corporates
• Valid across all income levels for the above mentioned designations and for fresh/top/enhancement sourcing.
• Business Card of the customer to be attached in the physical file.
• All cases sourced under this offer will need to be sent for approval to Personal Loan Product Head - Vineet Nagar
• Sales Promo Code : PLTOPEX has to be mandatorily captured for all cases sourced through this offer.
• Applicable to all sourcing Channels.
• No further deviation will be allowed on the above rate/PF.
SPECIAL PERSONAL LOAN OFFER IN CHENNAI - HNW Offer
We are pleased to launch a special offer for the HNW segment as per the terms and conditions below for the month of September'12
Offer:
* Subject to a minimum PF of Rs. 1000
• Imperia, PBG Imperia, Preferred, Classic and COP customers can avail of this offer
• Only cases flagged under HNW relevant sales promo code to be selected in LOS will be eligible for this offer
• No deviation below the offer rate to be given
SPECIAL PERSONAL LOAN OFFER IN CHENNAI - Government Offer
We are pleased to launch the Government offer for the month of September'12 as per the details below.
The Government Offer is segmented into
• Maharatna Offer
• Navratna Offer
• Key PSUs Offer
• Offer for other Government employees
Please make use of this special pricing offer to further increase PL penetration into these segments.
SPECIAL PERSONAL LOAN OFFER IN CHENNAI - Maharatnas
Special Pricing offer: 14.25%
Processing fees: 0.80%
List of Corporates :-
Terms
• Applicable for all sourcing channels
• Applicable only for customers with NTH>=20k (as captured in CAM).
SPECIAL PERSONAL LOAN OFFER IN CHENNAI - Navratnas
Special Pricing offer: 15.50%
Processing fees: 1.50%
Terms
• Applicable for all sourcing channels
• Applicable only for customers with NTH>=20k (as captured in CAM).
List of Corporates :-
SPECIAL PERSONAL LOAN OFFER IN CHENNAI - Other key PSUs
Special Pricing offer: 15.75%
Processing fees: 1.50%
Terms
• Applicable for all sourcing channels
• Applicable only for customers with NTH>=20k (as captured in CAM).
List of Corporates :-
SPECIAL PERSONAL LOAN OFFER IN CHENNAI - Offer for other Government employees
Special pricing offer for Government Segment
* No further deviations on this
Note: Above includes all State and Central Govt. PSU's even if they are categorised as Super A, CAT A etc. However, the Industry details mentioned below have to be captured.
Offer is valid with Mandatory capture of either of the below options in application form and LOS for all cases OR if the company category is captured as CAT GA/ GB:
a) Salaried- State Government.
b) Salaried- Central Government.
c) Salaried- PSU-Ailing PSUs
d) Salaried- PSU-Navratnas
e) Salaried- PSU- Others.
f) Salaried- PSU/ Government.
g) Salaried- Railways.
Other Terms:
• Applicable PAN India for all sourcing channels.
• No further deviations on this i.e. these will be the rack rates for this segment.
• Minimum collectable PF of Rs 1000/-
• Special pricing and processing fees offer is not applicable for Cat GC, Cat GO and Cat GP.
SPECIAL PERSONAL LOAN OFFER IN CHENNAI - PSU Banks Offer
We are pleased to launch the offer for PSU Banks for the month of September'12 as per the details below.
Offer
Terms
• Credit underwriting as per existing norms.
• Applicable Pan India for all sourcing Channels.
• NTH mentioned is as per CAM capture.
• For State Bank, offer is valid for all its Subsidiary companies as well.
SPECIAL PERSONAL LOAN OFFER IN CHENNAI - Defense Offer
We are pleased to launch the Defence offer for the month of September'12 as per the details below.
Please make use of this special pricing offer to further increase PL penetration into these segments.
Special pricing offer for Defence Segment
Pricing offer of 16.50% with ZERO PF.
Terms of the offer:
• Applicable to all Defence employees (CO/JCO/NCO) ( in Army, Navy and Airforce)
• Offer is subject to the correct classification of GD/GE/GF being captured.
• Defence employees can not be offered Government pricing offer.
• Offer open for all sourcing verticals. ( DSAs should be encouraged to source from this segment as well).
• Credit Norms as applicable will continue as per policy.
SPECIAL PERSONAL LOAN OFFER IN CHENNAI - Offer on Balance Transfer
We are pleased to launch the offer on Balance Transfer for the month of September'12 as per the details below.
Pricing offer
• 2% lower than existing PL rate
• Minimum pricing of 14%
Processing Fees offer:
• Flat processing fees of Rs 1000/-
Process
• File logged in as per normal process.
• Credit Underwriting for eligibility and FOIR norms would be without factoring takeover EMI.
• Cases to be logged under a specific promo code
• Any additional funding over and above the takeover amount will be released to the customer post other financier takeover amount clearance is confirmed.
• Existing Loan Repayment schedule/ foreclosure statement to be provided by Sales Team for Ops reference on pricing and take over.
Terms:
• Applicable to all sourcing channels.
• Applicable irrespective of Income of the customer.
• Sales Promo code of EXTLOAN or BT-EXT to be captured
• Offer for Teachers
• KRC Offer for the Key CSA Relationship corporates
• SRC Offer for select special corporates
• FIC Offer for select corporates of focus industry segments
• FEC Offer for select external corporates
• Top Executive Offer for the key decision makers of the corporates
• HNW Offer
• Offer for Government employees - Offer is segmented into MAHARATNA / NAVRATNA / Other Key PSUs/ Offer for other Govt employees
• Offer for PSU Banks
• Offer for Defense
• Offers on Balance Transfer
Please refer below for the detail terms and conditions of the offers and inform the concerned team members.
We are pleased to launch the Personal Loan Monsoon Bonanza Offer for the Super 5 for the month of September'12 for the corporates as per the detail below.
Kindly make use of this special pricing offer to further increase PL penetration in these corporates.
CSA Customers : Offer Rate - 13.99% , PF - 0.80%
Non CSA Customers : Offer Rate - 14.50%, PF - 1.00%
Terms
• Applicable Pan India for the corporates given below.
• Valid across all income levels and for fresh/top/enhancement sourcing.
• Applicable to all sourcing Channels.
• No further deviation/discounts will be allowed on the above rate/PF. PF is subject to a minimum collectable of Rs.1000/-
List of Corporate Company Name
Tata Consultancy Services
Accenture Services Pvt Ltd
CAPGEMINI INDIA PVT LTD
Cognizant Technology Solutions India Pvt Ltd
Oracle India Pvt Ltd
Oracle Solution Services India
Orancle Finance Serices Software Ltd.,
Kindly make use of this special pricing offer to further increase PL penetration in these corporates.
Offer applicable for NTH>= 20k and disbursals till 30th Sep 12
* Customers below NTH<20k Income Band would be processed as per regular pricing grid.
We are pleased to launch the KRC (Key Relationship Corporates) offer for the month of September'12 for the top corporates as per the detail below.
• Both CSA and Non CSA customers of the corporates will be covered under this offer.
Kindly make use of this special pricing offer to further increase PL penetration in these corporates.
CSA Customers : Offer Rate - 14.25% , PF - 0.80%
Non CSA Customers : Offer Rate - 15.00%, PF - 1.00%
Terms
• Applicable Pan India for the corporates given below.
• Valid across all income levels and for fresh/top/enhancement sourcing.
• Applicable to all sourcing Channels.
• No further deviation/discounts will be allowed on the above rate/PF. PF is subject to a minimum collectable of Rs.1000/-
List of Corporates
We are pleased to launch the SRC (Special Relationship Corporates) offer for the month of September'12 for select special corporates as per the detail below.
CSA Customers : Offer Rate - 15.50% , PF - 1.50%
Non CSA Customers : Offer Rate - 15.75%, PF - 1.75%
Terms
• Applicable Pan India for the corporates given below.
• Valid across all income levels and for fresh/top/enhancement sourcing.
• Applicable to all sourcing Channels.
• No further deviation/discounts will be allowed on the above rate/PF. PF is subject to a minimum collectable of Rs.1000/-
List of Corporates
We are pleased to extend the FIC offer for the month of September 2012
Offer:
Terms and Conditions
• Applicable Pan India for the corporates given below.
• Both CSA and Non CSA customers will be eligible for the rates.
• Valid for fresh/top/enhancement sourcing.
• Applicable to all sourcing Channels.
• No further deviation/discounts will be allowed on the above rate/PF. PF is subject to a minimum collectable of Rs.1000/-
We are pleased to extend the FEC offer for the month of September 2012
Offer:
Terms and Conditions
• Applicable Pan India for the corporates given below.
• All customers will be eligible for the rates
• Valid for fresh/top/enhancement sourcing.
• Applicable to all sourcing Channels.
• No further deviation/discounts will be allowed on the above rate/PF. PF is subject to a minimum collectable of Rs.1000/-
We are pleased to launch the Personal Loans : Top Executive Offer , for the month of September '12.
Offer detail:
CSA Customers : Offer Rate - 14.00%
PF - Flat PF of Rs. 1000/-
Terms and Conditions
• Applicable Pan India for CEO , CFO , HR HEAD & ADMIN Head of Super A , CAT A, CSA A, CSA B & CAT B corporates
• Valid across all income levels for the above mentioned designations and for fresh/top/enhancement sourcing.
• Business Card of the customer to be attached in the physical file.
• All cases sourced under this offer will need to be sent for approval to Personal Loan Product Head - Vineet Nagar
• Sales Promo Code : PLTOPEX has to be mandatorily captured for all cases sourced through this offer.
• Applicable to all sourcing Channels.
• No further deviation will be allowed on the above rate/PF.
We are pleased to launch a special offer for the HNW segment as per the terms and conditions below for the month of September'12
Offer:
* Subject to a minimum PF of Rs. 1000
• Imperia, PBG Imperia, Preferred, Classic and COP customers can avail of this offer
• Only cases flagged under HNW relevant sales promo code to be selected in LOS will be eligible for this offer
• No deviation below the offer rate to be given
We are pleased to launch the Government offer for the month of September'12 as per the details below.
The Government Offer is segmented into
• Maharatna Offer
• Navratna Offer
• Key PSUs Offer
• Offer for other Government employees
Please make use of this special pricing offer to further increase PL penetration into these segments.
Special Pricing offer: 14.25%
Processing fees: 0.80%
List of Corporates :-
Terms
• Applicable for all sourcing channels
• Applicable only for customers with NTH>=20k (as captured in CAM).
Special Pricing offer: 15.50%
Processing fees: 1.50%
Terms
• Applicable for all sourcing channels
• Applicable only for customers with NTH>=20k (as captured in CAM).
List of Corporates :-
Special Pricing offer: 15.75%
Processing fees: 1.50%
Terms
• Applicable for all sourcing channels
• Applicable only for customers with NTH>=20k (as captured in CAM).
List of Corporates :-
Special pricing offer for Government Segment
* No further deviations on this
Note: Above includes all State and Central Govt. PSU's even if they are categorised as Super A, CAT A etc. However, the Industry details mentioned below have to be captured.
Offer is valid with Mandatory capture of either of the below options in application form and LOS for all cases OR if the company category is captured as CAT GA/ GB:
a) Salaried- State Government.
b) Salaried- Central Government.
c) Salaried- PSU-Ailing PSUs
d) Salaried- PSU-Navratnas
e) Salaried- PSU- Others.
f) Salaried- PSU/ Government.
g) Salaried- Railways.
Other Terms:
• Applicable PAN India for all sourcing channels.
• No further deviations on this i.e. these will be the rack rates for this segment.
• Minimum collectable PF of Rs 1000/-
• Special pricing and processing fees offer is not applicable for Cat GC, Cat GO and Cat GP.
We are pleased to launch the offer for PSU Banks for the month of September'12 as per the details below.
Offer
Terms
• Credit underwriting as per existing norms.
• Applicable Pan India for all sourcing Channels.
• NTH mentioned is as per CAM capture.
• For State Bank, offer is valid for all its Subsidiary companies as well.
We are pleased to launch the Defence offer for the month of September'12 as per the details below.
Please make use of this special pricing offer to further increase PL penetration into these segments.
Special pricing offer for Defence Segment
Pricing offer of 16.50% with ZERO PF.
Terms of the offer:
• Applicable to all Defence employees (CO/JCO/NCO) ( in Army, Navy and Airforce)
• Offer is subject to the correct classification of GD/GE/GF being captured.
• Defence employees can not be offered Government pricing offer.
• Offer open for all sourcing verticals. ( DSAs should be encouraged to source from this segment as well).
• Credit Norms as applicable will continue as per policy.
We are pleased to launch the offer on Balance Transfer for the month of September'12 as per the details below.
Pricing offer
• 2% lower than existing PL rate
• Minimum pricing of 14%
Processing Fees offer:
• Flat processing fees of Rs 1000/-
Process
• File logged in as per normal process.
• Credit Underwriting for eligibility and FOIR norms would be without factoring takeover EMI.
• Cases to be logged under a specific promo code
• Any additional funding over and above the takeover amount will be released to the customer post other financier takeover amount clearance is confirmed.
• Existing Loan Repayment schedule/ foreclosure statement to be provided by Sales Team for Ops reference on pricing and take over.
Terms:
• Applicable to all sourcing channels.
• Applicable irrespective of Income of the customer.
• Sales Promo code of EXTLOAN or BT-EXT to be captured
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