Andhra Bank Personal Loan

Andhra Bank Personal Loan - http://www.loansandcredits.in/andhra-bank-personal-loan/
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Apply Personal Loan


Apply Personal Loan :- Loan amount from Rs.1 lakh up to Rs.20 lakhs Convenient loan repayment option of 12 to 60 months No security or collateral required to avail this loan Simplified and quick documentation Attractive interest rates Hassle-free loan sanction and disbursal procedure[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column width="1/2"][contact-form-7 id="3299" title="PL-loansandcredits.in"][/vc_column][vc_column width="1/2"][vc_column_text]

 


Andhra Bank Personal Loan


Nature of the Scheme


Loans for purchase of consumer durables and other house hold appliances.

Eligibility


  • Any individual having repayment capacity,

  • Salaried persons

  • Pensioners drawing pension in the branch

  • Others.

 Rate of interest 


Loan Period


Upto 36 months

Above 36 months

For State and Central Government employees, Public sector under takings who are drawing salary through our Branches and Pensioners


MCLR (One year) + 2.85%

MCLR (One year) + 3.10%

For private employees, non salaried class and LIC agents etc 


MCLR (One year) + 3.35%

MCLR (One year) + 4.35%

 Quantum of Finance


Maximum amount of loan that can be sanctioned :
  • 10 month gross salary in case of salaried class .

  • 40% of gross annual income  in case of non-salaried class .

  •  4 months pension in case of pensioners.


Or
  • 75% cost of the article whichever is less

Repayment


Repayable in monthly installments. Maximum period 60 months.

Co-obligation


Husband/ father or any third party (with sufficient worth and of regular income) acceptable to the bank.

Security


Hypothecation of the article purchased with Bank finance

 Collateral security


  • Assignment of Life insurance policy with equivalent surrender value

  • Pledge of shares, NSCs, Units etc. of adequate value

Documents


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
Latest  quotation for article proposed to be purchased.



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Loan EMI Calculator


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