Andhra Bank Agra
Last Updated : May 9, 2018, 11:44 a.m.
About Andhra Bank
A medium-sized public sector bank with a network of over 2803 branches, Andhra Bank is a name you can rely on. This bank is known for offering a wide range of financial products and services to the people. Be it credit cards, retail, agriculture, NRI, online and corporate services, this lender has it all. Founded in 1923, the bank since its inception is ensuring that people will get the best services in the least time-frame. If we talk about Andhra Bank Agra, the bank has 3 branches located at different places within the city, known for offering the best services and products to one and all. Be it loans or investments, this lender with its best of services and financial products leaves no stone unturned to satisfy you and will never disappoint anyone.
Below is a table showing branch name, IFSC and MICR codes of each branch with complete address
| Branch Name | Complete Address | IFSC | MICR | Customer Care |
|---|---|---|---|---|
| Agra | A-6, Shopping Arcade, Taj Road, Sadar Bazar, Agra - 282001 Uttar Pradesh | ANDB0000707 | 282011002 | 562 |
| Civil Lines Agra | 1/174, Parinay Kunj, Bagh Farzana, Civil Lines, Agra Civil Lines - Agra , Uttar Pradesh | ANDB0001679 | 282011003 | 0562-2521867 |
| Taj Nagari | 30 17 G Hotel Anand Plaza P2 Taj Nagari Fatehbad Road Agra - 282001 Uttar Pradesh | ANDB0002234 | 282011004 | 2331111 |
Products Offered by Andhra Bank in Agra
Ranging from housing loan, personal loan , education loan, gold loan to vehicle loan and investments products, Andhra Bank offers you a wide range of financial products to choose from. Each product has been thoughtfully designed to cater your needs and serves your purpose in the best way. Now let’s move further and know more about these products.
Basic Details of Andhra Bank Loans
| Product | Eligibility | Interest Rate (in p.a.) | Loan Amount | Tenure | Processing Fee |
|---|---|---|---|---|---|
| Housing Loan | Minimum age at the time of application-21 Years Maximum age permitted at the time of loan maturity-65 Years | 8.60% - 11.20% | Depends upon your monthly income & repayment capacity | 30 Years | As applicable by the bank |
| Gold Loan | Any property identified person/existing customers | 9.5%-9.7% | ₹ 2,000/-per gram or Upto 75% of the market value of gold whichever is less | Appraising Charges:1% of the loan amount sanctioned | |
| Vehicle Loan | Minimum take home pay of 40% after all monthly deductions (2 Wheeler) Minimum gross income of ₹1 Lakh per annum (4 Wheeler) | 7.80% - 7.90% | Depending on the income flow and repayment capacity of an individual | 60 months(used cars)-84 months(new cars) | As applicable by the bank |
| Education Loan | Student should be an Indian. Have secured admission to a higher course. Allowed to meritorious students. | 10.45%-10.65% (upto 7.5 Lakhs), 10%-10.20% (above 7.5 Lakhs) | ₹ 20,000-No upper limit | 2-7 Years | No Processing Fee (study in India) |
| Personal Loan | Salaried , pensioners or any individual with good repayment capacity | 11.80% - 15.50% | Consumer Loan: 10 months gross salary/40% of gross annual income/4 months pension or 75% of the article whichever is lower. Clean Loans: Not less than 40% of gross salary . 2 times average annual proven income. 8 time sof monthly pension | 60 Months |
Documents Required
| Product | Documents |
|---|---|
| Housing Loan | Identity Proof-PAN Card/Passport/Voter ID/Driving License/Aadhaar Card Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID Income Proof-Latest Salary Slips & Form 16 for Salaried Profit & Loss A/C Statement & Audited Balance Sheet for the Last 3 Years Bank Account Statement for the Last 6 Months Track record of existing loans, if any Details of property you look to buy & construct |
| Gold Loan | Latest passport size photographs with duly filled application form. Address Proof:Driving License/Passport/Ration Card/Voter ID/Aadhar Card ID Proof: Ration Card/PAN Card/Driving License/Aadhar Card/Passport This loan is offered to the customers who are identified as per KYC AML norms. |
| Vehicle Loan | For Generic: Documents for KYC Compliance Valid Driving License Salary Slip Proforma Invoice IT Returns Assessment Order For Women: Valid Driving License Income Proof:IT Returns/Salary Slip/Assessment Order/Proforma Invoice Valuation Certificate from Reputed Garage for Second Sale |
| Education Loan | Duly filled application form with passport size photographs Identity & Address Proof-Latest Date of Birth Proof, Certificate of Domicile, Study Certificate, Scholarship Proof, Allotment Proof Fee particulars from College/University, etc |
| Personal Loan | Salary Slip/ IT Returns/Assessment Order, Property Statement For non-salaried:Latest Income Tax Assessment Order, Property Statement Any other Valid Document Latest Quotation for Article Proposed to be Purchased |
So now, we hope you have got a fair idea about availing any kind of loan from Andhra Bank in Agra.