Andhra Bank Lucknow

About Andhra Bank

If you are in Lucknow and are looking for some financial help, there is no need to worry as Andhra Bank is there. Yes, being a Government of India undertaking, this public sector bank through this unlimited services and financial products is considered as one of the leading names in the industry. When it comes to the diverse range of products, the bank offers many such as personal loan, housing loan, gold loan, education loan, vehicle loan and credit cards. No matter what sort of financial help you need, this lender is always ready to serve you.

If we talk about its presence, Andhra Bank has 2803 branches, located in 25 states of India. Not only this, in fact the bank also has operations in three Union Terrorites, hence enusres that each and every customer will be in touch to avail any sort of service.  After its formation in the year 1923, Andhra Bank is making sure to rule the game by offering the best in class products as well as services.

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

Branch Name Complete Address IFSCMICRCustomer Care
Lucknow35, Aminabad, Literature Palace, Lucknow, Utter PradeshANDB00003442260110020522-2629134
IndiranagarBehind Central Academy School, Sec - 9, Indira Nagar, Lucknow - 2260016ANDB00015312260110030522-2342086
Alam BaghKsm Towers, Cp - 1, Alam Bagh, LucknowANDB0001657226011004O9911199299
Zonal Office47/27, A-3, Sheela Complex, 19-B, Vidhan Sabha Marg, Lucknow - 226001ANDB0001778
Gomti Nagar3/81, Patrakarpuram, Vinay Khand, Gomti Nagar, Lucknow 226010ANDB00018862260110060522 2304501
BijnorShyam Vihar, Kiratpur Road, Bijnor, Uttar Pradesh - 226701ANDB0001890246011002
Vikas NagarCp-1, Pgtower, Kurshi Road, Vikas Nagar, Lucknow - 226020ANDB00019112260110070522 2339820
AliganjNob-12, Sector E, Aliganj - 226024ANDB0001976226011008055 226024
Vijayant Khand4/179, Vijayant Khand, Gomti Nagar, Lucknow-226010ANDB00020022260110097499133022
AshiyanaBlock A, 103, Ashiyana, Lucknow-226012ANDB00021532260110117607132254
KalyanpurPlot No 15, Square Tower, Kanchan Bharti Marg, Kalyanpur, Lucknow-226022ANDB00021542260110127860686216
Hewitt RoadShri Vimal Plaza, 50 Shivaji Marg, Hewitt Road, Lucknow, Up-226018ANDB00021552260110139838168760
ChowkAarohi Trade Centre Chowk LucknowANDB00021982260110140522 2253993
Ablock IndiranagarA153S Block A Indira Nagar Lucknow 226012ANDB00021992260110159621238076

Hardoi Road439 B 065, Thakur Ganj, Hardoi Road, LucknowANDB00024362260110162404933
Faizabad RoadK 729, Kanchanpur, Matiyari, Chauraha, Faizabad Road, Chinhat, Lucknow, 226028ANDB00024372815880
RajajipuramE 1434, Rajajipuram, LucknowANDB00024382260110182419834
Gomati Nagar Extn1 758C, Sector 1, Gomati Nagar Ext, 226010ANDB00028328005204877
Retail Loan ExpressZonal Office, Sheetal Complex, 1St Floor, 19 B, Vidhan Sabha Marg, Lucknow, 226001ANDB00027862260110202235758

Products Offered by Andhra Bank in Lucknow

The people of Lucknow have various reasons to smile as Andhra Bank via its wide range of impeccable and diverse products impresses all. Yes, whether it’s availing a personal loan for a reason, buying a dream home in the city at your favourite location, or owning an expensive sports car, for all your financial needs, Andhra Bank got you covered. So, without wasting any time, below is a table showing the product range of the bank.

Basic Details of Andhra Bank Loans

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

8.60% - 11.20%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)
7.80% - 7.90%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 capacity11.80% - 15.50%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

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

Personal Loan Interest Rates February 2024
HDFC Bank10.75% - 14.50%
ICICI Bank10.75% - 19.00%
IndusInd Bank10.25% - 26.00%
Kotak Bank10.99%
RBL14.00% - 23.00%
SMFG India Credit12.00% - 24.00%
Standard Chartered Bank11.49%
Tata Capital10.50% - 24.00%
Home Loan Interest Rates February 2024
Axis Bank8.75% - 9.15%
Bank of Baroda8.50% - 10.60%
Citibank8.75% - 9.15%
HDFC8.50% - 9.40%
ICICI Bank9.00% - 9.85%
Indiabulls Housing Finance Limited8.65%
Kotak Bank8.70%
LIC Housing8.50% - 10.50%
Piramal Capital & Housing Finance10.50%
PNB Housing Finance8.50% - 10.95%
Reliance Home Finance8.75% - 14.00%
State Bank of India/SBI9.10% - 9.65%
Tata Capital8.95% - 12.00%