Andhra Bank Personal Loan in Kochi
Last Updated : May 16, 2019, 2:29 p.m.
About Andhra Bank Personal Loan Kochi
Andhra Bank offers a wide array of products in Kochi and one of the most demanding product in Kochi is a personal loan. With the perfect combination of low rates along with a higher loan amount, this loan gives people of Kochi the opportunity to be free from any financial crisis and enjoy living their lives. If you are also one of those who has an urgent need of money, check the details of the personal loan offered by Andhra Bank in Kochi.
Apply Personal Loan @ 10.75%* Rate
Andhra Bank Personal Loan in Kochi at a Glance
Particulars | Details |
---|---|
Interest Rate | 11.80% - 15.50% |
Loan amount | Up 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 |
Tenure | Up to 5 years |
Processing Fee | As 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
Andhra Bank Kochi Branch Details
Have a look at the branch address, IFSC code, MICR details and contact details of Andhra Bank in Kochi:
Branch Name | Complete Address | IFSC | MICR | Customer Care |
---|---|---|---|---|
Ernakulam | P.B.No.14, Ajayvihar, Ernakulam - 682001 | ANDB0000125 | 682011001 | 0484-237592 |
Vyttila | Matha Building, Nh 47, Bye - Pass Road Thykoodam, Vyttila, Kochi -682019 | ANDB0001350 | 682011003 | 0484-2305666 |
Kadavanthara | Savitri Building, S C Bose Road, Jawahar Nagar, Kadavanthara, Kochi | ANDB0002271 | 682011084 | 2207877 |
ZO Kochi | Savithri Building, Sc Bose Road, Jawahar Nagar, Kadavanthara, 682020 | ANDB0002273 | 2207377 | |
Njarakal | Lakshmi Arcade, Lakshmi Vihar Kaipillil, Nayaram Balam, Po Kochi, 682509 | ANDB0002451 | 682011006 | 2207777 |
Kakkanad | D No 10 766, Chakkolath, Vsnl Road, Kakkanad, Kochi, 682030 | ANDB0002662 | 2207777 |
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