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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||IFSC||MICR||Customer Care|
|Ghaziabad||Pb - 80, Navyug Market, Ghaziabad, Up||ANDB0000160||110011019||0120-2798647|
|Vasundara||Sm Arcade, Plot No.436, Sector 12 Vasundara, Pin 201012||ANDB0001392||110011038||0120-2883272|
|Indirapuram||2 - B, Vaibhav Khand, Indirapuram, Ghaziabad - 201010||ANDB0001436||110011039||0120-2606341|
|Shalimar Garden||Sc - 47C Block, Shalimar, Garden Ext2Shahibabad||ANDB0001587||110011040||0120-6587971|
|Pratap Vihar||8/4, F-Block, Sector-Ii, Pratap Vihar, Ghaziabad-201009||ANDB0002105||110011067|
|Raj Nagar Dc||Ghaziabad C 51, Raj Nagar Dist Centre, Near Krishna Sagar, Opp Canara Bank, Ghaziabad, Up 201002||ANDB0002551||25713641|
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||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
|8.15% - 8.30%||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)
|9.00%||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||11.05% - 12.55%||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
Latest Quotation for Article Proposed to be Purchased
|Raj Nagar Dc||Ghaziabad C 51, Raj Nagar Dist Centre, Near Krishna Sagar, Opp Canara Bank, Ghaziabad, Up 201002|