Andhra Bank Chandigarh

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About Andhra Bank

A Government of India undertaking, Andhra Bank with its best of banking & financial products and services ensures that every customer gets the best. Yes, that's right. Be it your sister's wedding, enjoying a vacation in the Bahamas, driving your favorite sports car or renovating your dream home, no matter for which purpose you need the financial help, this bank is always at your service, ensuring that you get the best deal. 

With its enormous network of over 2803 branches spread across India, the bank can be accessed easily from anywhere. Since its inception i.e. in the year 1923, Andhra Bank is known for offering the valuable and customer-friendly services to all its estemeed customers, thus is considered as a leading name in the banking sector. The bank has created its own niche with the kind of value-added services it offers to one and all. This is the reason that Andhra Bank today has become a name you can blindly trust.

Below is a table showing branch name, IFSC and MICR codes of each branch with complete address. 

Branch Name Complete Address IFSCMICRCustomer Care
ChandigarhS.C.O, 202 - 3 - 204, Sector - 17C, Pb114, Chandigarh - 160017ANDB00000951600110010172-2702
Sector - 44Sco - 357, Sector - 44D, ChandigarhANDB00010091600110030172-2604428
Special Housing Finanace Sco 26 - 27, Sec - 34, ChandigarhANDB00011511600110050172-2611286
Haldwani394/A, Narayana Building, Bhotia Parow, Thandi Sadak, Haldwani - 263141.ANDB000168826301100205946-281218
Zonal Office, ChandigarhSco - 200, 201, Sector - 174, ChandigarhANDB0001605
Mani Majra371, G Floor, Motor Market, Mani Majra, ChandigarhANDB0002053160011012
Chandigarh Industrial Area Phase OneAndhra Bank, 57, Phase 1, Industrial Area, Chandigarh, 160002ANDB00028247814113169
DhanasKharsa No 71/1/1, 31/33, Main Road, Village Dhanas, Chandigarh, 160014ANDB00028769871210701
Sec Twenty Two ChandigarhSco 2473, Sector 22 C, Chandigarh, 160022ANDB00028789467811620
Sec Forty Seven ChandigarhSco 59, Sector 47C, Chandigarh, 160047ANDB00028798872817713

Products Offered by Andhra Bank in Chandigarh

Andhra Bank comes to you with a long list of value-added and unmatched products so as to satisfy the needs of all. It is easy to avail any product be it housing loan, vehicle loan or gold loan from the bank as it comes with quick, easy and transparent loan process. Just take a look below and know the products offered by this bank.  

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

 

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