Andhra Bank Ghaziabad

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About Andhra Bank

Headquartered in Hyderabad and with holding a strong position in the banking sector, Andhra Bank is surely a name you can trust. The bank operates in 25 states and three Union Terrorities and is known for delivering the best financial services and products to one and all. With a network of over 2803 branches wide spread across different sections of India, this lender is here to give the best financial services at your doorstep. Right from personal loan, vehicle loan, housing loan to gold loan, education loan and credit cards, this bank offers you all to meet your varied needs. 

Founded in 1923 with a vision to transform the lives of all, this lender ensures that you always get the best. With its different product range and services in the areas of retail, corporate,NRI, MSME and agricultural industries, the bank makes sure that all its estemmed customers will get the  hassle-free experience. The main endeavour of Andhra Bank is to provide the best customer experience so that you will have an enjoyable experience in the future.      

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

Branch Name Complete Address IFSCMICRCustomer Care
GhaziabadPb - 80, Navyug Market, Ghaziabad, UpANDB00001601100110190120-2798647
VasundaraSm Arcade, Plot No.436, Sector 12 Vasundara, Pin 201012ANDB00013921100110380120-2883272
Indirapuram2 - B, Vaibhav Khand, Indirapuram, Ghaziabad - 201010ANDB00014361100110390120-2606341
Shalimar GardenSc - 47C Block, Shalimar, Garden Ext2ShahibabadANDB00015871100110400120-6587971
Pratap Vihar8/4, F-Block, Sector-Ii, Pratap Vihar, Ghaziabad-201009ANDB0002105110011067
Raj Nagar DcGhaziabad C 51, Raj Nagar Dist Centre, Near Krishna Sagar, Opp Canara Bank, Ghaziabad, Up 201002ANDB000255125713641

Products Offered by Andhra Bank in Ghaziabad

With a long list of diverse products such as car loan, 2 wheeler loan, housing loan, education loan, personal loan and gold loan, Andhra Bank fulfills all your varied needs in the best possible way. If you want to know more about the product range offered by Andhra Bank, read the post below.  

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
Raj Nagar DcGhaziabad C 51, Raj Nagar Dist Centre, Near Krishna Sagar, Opp Canara Bank, Ghaziabad, Up 201002

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Personal Loan Interest Rates November 2017
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