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Welcome to Vijay Capitals we have over 12 years of expertise

Vijay Capitals
No 05,Old No 04 (1st Floor),
Manadai Amman Koil Main Street, , Adambakkam, Chennai- 600088,
LandMark- Ambedkar statue and Adambakkam Ground

+ 044 2255 2388

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+91 955 16 10 484


+91 98419 32 511


vijaycapitals@gmail.com
contact@vijaycapitals.com

Perosonal Loan in Chennai

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.

Banks HDFC Bank Axis Bank Citibank Fullerton India Standard Chartered bank TATA CAPITAL
Rate of Interest 15.75% - 18.25%- Common - Below 35 K - 18.25 % -Any Salary Acc, 36 K to 50 K - 17.25 %,51 K to 75 k - 16.25 % , 75 K and Above - 15.75 % 14 % to 18 % 15% to 18 % 18% - 28% 14%-21% 15.25% - 26.50%
Processing Fee 2% if salaried account in HDFC - other wise 2.5% 1% 1.5% of loan amount 2.5% 1.5% - 2% 1.5% - 2%
Loan Amount Rs.50,000 - Rs.15,00,000 Rs.50,000 - Rs.15,00,000 Rs.50,000 - Rs.15,00,000 Rs.40,000 - Rs.5,00,000 Rs.50,000 - Rs.15,00,000 Rs.75,000 - Rs.15,00,000
Prepayment Charges 4% Nil And Partial payment Applicable * 3% 4% Allowed After 6 Months, 4 % Allowed After 6 Months, 4 %
Disbursal Time 2 Days - 7 Days Min 15 days 3 working days 7 working days 2 Days - 7 Days 2 Days - 7 Days
Identity Proof Passport/ Driving License/PAN card/ Voters Id (Anyone of the above) Passport/ Driving License/PAN card/ Voters Id (Anyone of the above) Passport/ Driving License/PAN card/ Voters Id (Anyone of the above) Passport/ Driving License/PAN card/ Voters Id (Anyone of the above) Passport/ Driving License/PAN card/ Voters Id (Anyone of the above) Passport/ Driving License/PAN card/ Voters Id (Anyone of the above)
Age Proof PAN Card/ Passport/ Driving License / School leaving certificate/ /BirthCertificate/ (Anyone of the above) PAN Card/ Passport/ Driving License / School leaving certificate/ /BirthCertificate/ (Anyone of the above) PAN Card/ Passport/ Driving License / School leaving certificate/ /BirthCertificate/ (Anyone of the above) PAN Card/ Passport/ Driving License / School leaving certificate/ /BirthCertificate/ (Anyone of the above) PAN Card/ Passport/ Driving License / School leaving certificate/ /BirthCertificate/ (Anyone of the above) PAN Card/ Passport/ Driving License / School leaving certificate/ /BirthCertificate/ (Anyone of the above)
Address Proof Passport/ Telephone bill (BSNL/MTNL)/ Electricity bill/ /Rental agreement/ Driving license/Bank Statement With Address page / HR LETTER - (Accept Only for SUPER CAT- A )/ Election ID card/ Postal Id Card/BB BILL/Ration Card/Gas Bill With Agreement Book/ P Passport/ Telephone bill (BSNL/MTNL)/ Electricity bill/ /Rental agreement/ Driving license/Bank Statement With Address page / HR LETTER - (Accept Only for SUPER CAT- A )/ Election ID card/ Postal Id Card/BB BILL/Ration Card/Gas Bill With Agreement Book/ P Passport/ Telephone bill (BSNL/MTNL)/ Electricity bill/ /Rental agreement/ Driving license/ Election ID card/ Postal Id Card/BB BILL/Ration Card/Gas Bill With Agreement Book/ Photo-credit card (with last two month statements) (Anyone of the above) Passport/ Telephone bill (BSNL/MTNL)/ Electricity bill/ /Rental agreement/ Driving license/Bank Statement With Address page / HR LETTER - (Accept Only for SUPER CAT- A )/ Election ID card/ Postal Id Card/BB BILL/Ration Card/Gas Bill With Agreement Book/ P Passport/ Telephone bill (BSNL/MTNL)/ Electricity bill/ /Rental agreement/ Driving license/Bank Statement With Address page / HR LETTER - (Accept Only for SUPER CAT- A )/ Election ID card/ Postal Id Card/BB BILL/Ration Card/Gas Bill With Agreement Book/ Photo-credit card (with last two month statements) (Anyone of the above) Passport/ Telephone bill (BSNL/MTNL)/ Electricity bill/ /Rental agreement/ Driving license/Bank Statement With Address page / HR LETTER - (Accept Only for SUPER CAT- A )/ Election ID card/ Postal Id Card/BB BILL/Ration Card/Gas Bill With Agreement Book/ P
Income Proof Latest salary slip/current dated salary Certificate with latest form 16 (Anyone of the above) Latest 3 months salary slip (Computerized pay slip with company Logo/pay slip on company letter head) (Anyone of the above) Latest 3 months salary slip (computerized pay slip with company Logo/pay slip on company letterhead) (Anyone of the above) Latest 3 months salary slip (Computerized pay slip with company Logo/pay slip on company letter head) (Anyone of the above) Latest salary slip/current dated salary Certificate with latest form 16 (Anyone of the above) Latest salary slip/current dated salary Certificate with latest form 16 (Anyone of the above)
Job Continuity Proof Form 16/relieving letter/appointment Letter /Payslip/Company Id card (for last two months)(Anyone of the above) Form 16/relieving letter/appointment Letter /Payslip/Company Id card (Anyone of the above) Form 16/relieving letter/appointment Letter /Payslip/Company Id card (Anyone of the above) Form 16/relieving letter/appointment Letter /Payslip/Company Id card (Anyone of the above) Form 16/relieving letter/appointment Letter /Payslip/Company Id card (for last two months)(Anyone of the above) Form 16/relieving letter/appointment Letter /Payslip/Company Id card (for last two months)(Anyone of the above)
Banking History Bank statements of latest 3 months/ 6 months bank passbook (Anyone of the above) Bank statements of latest 3 months/ 6 months bank passbook (Anyone of the above) Bank statements of latest 3 months/ 6 months bank passbook (Anyone of the above) Bank statements of latest 3 months/ 6 months bank passbook (Anyone of the above) Bank statements of latest 3 months/ 6 months bank passbook (Anyone of the above) Bank statements of latest 3 months/ 6 months bank passbook (Anyone of the above)
Processing Documents Latest 3 Months Payslip, Latest 3 Months BANK Statement , Residance Address Proof, Govt Id Proof,Signature Proof,Job Contiunity proof,Recent Passport Size Prrof Latest 3 Months Payslip, Latest 3 Months BANK Statement , Residance Address Proof, Govt Id Proof,Signature Proof,Job Contiunity proof,Recent Passport Size Prrof Latest 3 Months Payslip, Latest 3 Months BANK Statement , Residance Address Proof, Govt Id Proof,Signature Proof,Job Contiunity proof,Recent Passport Size Prrof Latest 3 Months Payslip, Latest 3 Months BANK Statement , Residance Address Proof, Govt Id Proof,Signature Proof,Job Contiunity proof,Recent Passport Size Prrof Latest 3 Months Payslip, Latest 3 Months BANK Statement , Residance Address Proof, Govt Id Proof,Signature Proof,Job Contiunity proof,Recent Passport Size Prrof Latest 3 Months Payslip, Latest 3 Months BANK Statement , Residance Address Proof, Govt Id Proof,Signature Proof,Job Contiunity proof,Recent Passport Size Prrof
Salary Account -Bank Deatiles HDFC- 12 K, OTHER BANK - 15 K All 25 K and Above CITI- 20 K, OTHER BANK - 25 K Starting 12 k and Above- (Avg Bank Balance Must iin the Salary Acc ie ABB) 20 K All Banks 30 K All Banks
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CAT - C If Company CATC- 3 EXP PROOF, Less then 20K P.M means Need LAND or POSTPAID or OWN HOUSE PROOF
CAT- D CAT- D- Proff Qualified Means- Degree Certificate With 3 Exp Proof ,Gradu Means - Degree Certificate With 5 Exp proof Must
BPO Super CAT- A, CAT- A. CAT- B- Net Salary- 30 K, CAT- C, and CAT- D- 20K
INSURANCE SECTOR NET SALARY- 26 K and Above only, Rate of intrest and Others norms are Same
SECURITIES SECTOR NETSALARY - 50 K AND Above only, Rate of intrest and Others norms are Same
Req Doc Latest 3 Months Payslip, Latest 3 Months BANK Statement , Residance Address Proof, Govt Id Proof,Signature Proof,Job Contiunity proof,Recent Passport Size Prrof
Residance Stabillity Super- cat-A- Resi and Citi- 3 Months, Cat- A- Resi and Citi - 6 Months, Cat- B- Resi 1 yr, Cit proff- 2 yr, Cat- C and CAT- D - Resi- 1yrs, Citi- 3 Yrs
Tenure 12 MONTHS to 60 MONTHS
Job Stability SUPER CAT- A - 1 Month also possible to do, CAT- A- 6 Months, CAT- B- CURRENT JOB- 1 YR, And Over all Exp - 2 yrs Must, CAT- C- CURRENT JOB- 18 Months- total Exp- 3 yrs,CAT- D- CURRENT JOB- 18 Months- total Exp- 3 yrs
Salary Account -Bank Deatiles HDFC- 12 K, OTHER BANK - 15 K

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