ING Vysya Bank is a privately owned Indian multinational bank based in Bangalore, with retail, wholesale, and private banking platforms formed from the 2002 purchase of an equity stake in Vysya Bank by the Dutch ING Group. This merger marks the first between an Indian bank and a foreign bank. Prior to this transaction, Vysya Bank had a seven-year-old strategic alliance with erstwhile Belgian bank Banque Bruxelles Lambert, which was also acquired by ING Group in 1998. ING Vysya has been ranked the "Safest Banker" by the New Indian Express and among "Top 5 Most Trusted Private Sector Banks" by the Economic Times. ING Vysya's private bank operates on an advisory-driven model. Specialized market research remains the bank's focus for the introduction of new tailored products to serve the high-end private banking segment.
Service type | Interest rate |
---|---|
Interest rate | Interest Rate on the loan will be rate as applicable at the time of signing the loan agreement. Interest for the month = Loan Outstanding*ROI%*(Number of days in a month/360) |
Loan Processing charges | Upto 2% of the loan sanctioned amount subject to a minimum of Rs.1,000/-. Fee is deducted from loan amount at the time of disbursal. |
Pre payment | 4% of the Principal Outstanding after repayment of 6 EMIs. |
Cheque/ECS/SIM Bounce Charges* | Maximum Rs.500/- |
Late Payment Charges* | Any delay in the payment of an EMI shall entail an additional interest of 2% p.a. above the prevalent rate upon the EMI amount outstanding of the Loan |
Statement Copy | Rs.500 |
Part Payment | Part payment is allowed up to 25% of the principal outstanding in a financial year without charges. However if a loan is foreclosed within 12 months of making the part payment then the part payment made will also be charged as per the applicable pre payment charges. Partial payment shall not be permitted until the completion of at least 6 EMIs. |
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