Andhra Bank Patna - IFSC Code, Main Branch, Rates February 2024

Andhra Bank Patna

About Andhra Bank

Being a Government of India undertaking and was founded in the year 1923, there is no denying the fact that Andhra Bank is your own bank, known for offering the best financial services and products. Since its inception, this public sector bank has created its own position in the marketplace, thus has become the favorite of many. Yes, when it comes to availing any sort of loan, insurance, investment or credit card, this lender always tops the chart and there is no doubt on that. Moreover, if we talk about its global presence, the bank has over 2803 branches wide spread across India, thus can easily be accessed by many.

The bank operates in 25 states, including three Union Territories, which in itself is commendable as it is within the reach of almost all. When it comes to its presence, this lender also has plenty of branches in the beautiful Patna city, hence making sure that people living there can also enjoy the best of banking services. The best thing about the bank is the fact that be it retail, corporate, NRI, MSME, Credit Cards or Online Banking, this public sector entity is into everything, thus will never disappoint the people of Patna.  

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

Branch Name Complete Address IFSCMICRCustomer Care
PatnaPatna, BiharANDB0000418800011001
Sri Krishna Nagar Road No.25, Sri Krishna Nagar, Patna - 8000001ANDB00013718000110020612-2530239
Boring RoadSteel House, Near S.K.Puri, Police Chowki, Patna, Pin - 800001ANDB0001630800011003
Davps ECDav Public School Campus, Cantonment Road, Khagaul, Patna - 801105ANDB000155280001100406115-232209
Doctors ColonyK - 109, Pc Colony, Hanuman Nagar, Kankarbagh, Patna - 800020ANDB00017598000110050612-2366274
JanipurRai Colony , Nayatola, Phulwari Sharif , PatnaANDB00018578000110060612 2556840
MusallahpurhatSumitra Sadan, Chak Musallahpur, Chai Tola, Patna, Bihar, 800006ANDB00028118000110092660944
SohgiSitaram Bhavan, Sampatchak, Sohgi Mor, Patna, Bihar, 800007
DANAPURRaja Ram Tower, Gola Road, Digha Danapur Main Road, Patna, Bihar, 801503ANDB0002813800011008222023
Bypass MithapurSitaram Market, Ram Krishna Nagar, Mithapur Bypass, Patna Dist, Bihar, 800027ANDB00028148000110102920168
PataliputraGround Floor, Ramayan Plaza, Pataliputra Rajapur Pool, Opp 32 Gate, Digha Main Road, Patna, Bihar, 800001ANDB00028508000110112271700
Patna CityGround Floor, Navinawadh Aawash, Alamganj Ps, Guljarbagh Post, Patna City, Bihar, 800007ANDB00029108000110157759857019
RajabazarGround Floor, H No 5, Sbi Colony 1, Sheikhpura, Raja Bazar, Patna Dist, Bihar, 800014ANDB00029138000110149308483671
Govind Mitra RoadAshutosh Lodge, First Floor, Jain Gali, Govind Mitra Road, Patna, Bihar, 800004ANDB00028928000110139835256120
NalaroadFirst Floor, New Area Congress Maidan Road, Nala Road, Kadamkuan, Patna, Bihar, 800003ANDB00029578000110162721233

Products Offered by Andhra Bank in Patna

Whether its personal loan, housing loan, vehicle loan or education loan, this lender ensures to offer you the best of financial services and products. But to avail the same, you need to meet the eligibility criteria of the product you want to avail. So, just take a look below to know more about the same.   

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%