Andhra Bank Personal Loan in Ghaziabad

About Andhra Bank Personal Loan Ghaziabad

Given the name as “Gateway of UP’, Ghaziabad has a large population of people who are working professionals. Talking about personal loans, Andhra Bank is one of the first choices of people as it offers an attractive rate of interest along with flexible tenure facility and the higher loan amount facility as well to make it beneficial for the people. If you are living in Ghaziabad and have been looking for funds, have a look below details like the eligibility, interest rate and branch contact details to initiate the process.

Apply for Personal Loan

Andhra Bank Personal Loan in Ghaziabad at a Glance

ParticularsDetails
Interest Rate11.70% - 13.20%
Loan amountUp to 10 month gross salary (for salaried) or 40% of gross annual income (for non-salaried) or 4 months pension in case of pensioners or 75% cost of the article whichever is less
TenureUp to 5 years
Processing FeeAs per bank’s norms

Eligibility Criteria

The eligibility criteria to apply for a personal loan at Andhra Bank is as mentioned below:

  • Any individual having repayment capacity
  • Salaried persons
  • Pensioners drawing pension in the branch
    Others.

Documents Required

The applicants who want to apply for a personal loan at Andhra Bank must carry the below list of documents:

  • Loan application form
  • Passport size photos of applicant/s
  • Property statement of the applicant or co-obligant (s)
  • In the case of an employee drawing salary at the branch- Letter for the recovery of the loan installments by debit to his account
  • Post Dated Cheques for at least 12 months
  • Last 6 months bank statement
  • Letter from the applicant declaring that there is no existing loan with the other branch of the bank or with the other bank
  • Latest original quotation from a local dealer for consumer durables proposed to be purchased with full details and description of the articles, etc.
  • Stamped receipt/Invoice of the item purchased
  • Collateral documents wherever required
  • In the case of loan against NSC/KVP certificate (s)- The original Bond (s) with the copy of the latest receipt towards payment of Premium along with the request letter to LIC for assignment of the policy in favor of Bank
  • Verification report from other agencies
  • CIBIL score details
  • Certification of Inspection of Security
  • Managers certificate for valuation of property
  • Undertaking letter to adjust residual of the loan
  • Legal Audit wherever applicable

Proof of Income–

  • Salary Slip/ IT Returns/ Assessment Order, Property Statement
  • For Non-salaried person – Latest Income Tax Assessment Order, Property statement
  • Any other Valid document with last 3 years income proof
  • Latest quotation for article proposed to be purchased

Address of Andhra Bank Branches in Ghaziabad

Have a look at the branch address, IFSC code, MICR details and contact details of Andhra Bank in Ghaziabad:

Branch NameComplete AddressIFSCMICRCustomer Care
GhaziabadPB - 80, Navyug Market, Ghaziabad, U.PANDB00001601100110190120-2798647
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 Extension-2, ShahibabadANDB00015871100110400120-6587971
Pratap Vihar8/4, F-Block, Sector-II, Pratap Vihar, Ghaziabad-201009ANDB0002105110011067
Raj Nagar DCGhaziabad C 51, Raj Nagar Dist Centre, Near Krishna Sagar, Opposite Canara Bank, Ghaziabad, U.P 201002ANDB000255125713641

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