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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||IFSC||MICR||Customer Care|
|Chandigarh||S.C.O, 202 - 3 - 204, Sector - 17C, Pb114, Chandigarh - 160017||ANDB0000095||160011001||0172-2702|
|Sector - 44||Sco - 357, Sector - 44D, Chandigarh||ANDB0001009||160011003||0172-2604428|
|Special Housing Finanace||Sco 26 - 27, Sec - 34, Chandigarh||ANDB0001151||160011005||0172-2611286|
|Haldwani||394/A, Narayana Building, Bhotia Parow, Thandi Sadak, Haldwani - 263141.||ANDB0001688||263011002||05946-281218|
|Zonal Office, Chandigarh||Sco - 200, 201, Sector - 174, Chandigarh||ANDB0001605|
|Mani Majra||371, G Floor, Motor Market, Mani Majra, Chandigarh||ANDB0002053||160011012|
|Chandigarh Industrial Area Phase One||Andhra Bank, 57, Phase 1, Industrial Area, Chandigarh, 160002||ANDB0002824||7814113169|
|Dhanas||Kharsa No 71/1/1, 31/33, Main Road, Village Dhanas, Chandigarh, 160014||ANDB0002876||9871210701|
|Sec Twenty Two Chandigarh||Sco 2473, Sector 22 C, Chandigarh, 160022||ANDB0002878||9467811620|
|Sec Forty Seven Chandigarh||Sco 59, Sector 47C, Chandigarh, 160047||ANDB0002879||8872817713|
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||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% - 8.75%||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)
|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||11.40% - 13.05%||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
|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
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
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