Andhra Bank Agra

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 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 IFSCMICRCustomer Care
AgraA-6, Shopping Arcade, Taj Road, Sadar Bazar, Agra - 282001 Uttar PradeshANDB0000707 282011002562
Civil Lines Agra1/174, Parinay Kunj, Bagh Farzana, Civil Lines, Agra
Civil Lines - Agra , Uttar Pradesh
ANDB0001679 2820110030562-2521867
Taj Nagari30 17 G Hotel Anand Plaza P2 Taj Nagari Fatehbad Road Agra - 282001
Uttar Pradesh
ANDB0002234 2820110042331111

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
EligibilityInterest Rate (in p.a.)

Loan Amount TenureProcessing Fee
Housing LoanMinimum age at the time of application-21 Years
Maximum age permitted at the time of loan maturity-65 Years

8.45% - 8.60%Depends upon your monthly income & repayment capacity30 Years As applicable by the bank
Gold LoanAny property identified person/existing customers 9.5%-9.7% ₹ 2,000/-per gram or Upto 75% of the market value of gold whichever is lessAppraising Charges:1% of the loan amount sanctioned
Vehicle LoanMinimum take home pay of 40% after all monthly deductions (2 Wheeler)
Minimum gross income of ₹1 Lakh per annum (4 Wheeler)

9.20%

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 LoanStudent 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 limit2-7 YearsNo Processing Fee (study in India)
Personal Loan Salaried , pensioners or any individual with good repayment capacity11.25% - 12.75%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 

ProductDocuments
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.

 

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