Unexpected expenses like medical emergencies, education fees, weddings, or home renovation often require quick financial support. A personal loan is one of the fastest ways to arrange funds because it does not require property or gold as security. Andhra Bank Personal Loan 2026, offered through Andhra Pragathi Grameena Bank, provides an easy borrowing option with flexible repayment terms.
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| Andhra Bank Personal Loan 2026: Get Up to ₹25 Lakh With Easy EMI Options |
Andhra Bank Personal Loan 2026 – Loan Details, Interest Rates & Eligibility
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Loan Type
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Unsecured Personal Loan (No collateral required)
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Offered By
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Andhra Pragathi Grameena Bank (Andhra Bank Personal Loan Scheme)
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Loan Amount
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Minimum: ₹1,00,000
Salaried Applicants: Up to ₹25,00,000
Self-Employed Applicants: Up to ₹50,00,000
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Interest Rate
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Starting from 10.75% per annum
Salaried: ~11.25% – 11.75%
Self-Employed: ~10.75% – 11.25%
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Eligibility Criteria
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Age: 18 to 70 years (at loan maturity)
Minimum Salary: ₹25,000 per month
Good CIBIL score preferred (750+)
Stable employment or business income
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Eligible Applicants
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Government employees, private employees, doctors, engineers,
chartered accountants, lawyers and other professionals.
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Repayment Tenure
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Up to 10 years with EMI repayment option (Auto-debit facility available).
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Processing Charges
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0.50% of loan amount + GST
Late payment penalty: 2% additional interest
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Required Documents
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Salary slips / Income proof
Bank statements
ITR (last 2 years)
ID & employment/business proof
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Application Mode
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Apply Online via official website or visit nearest branch.
Official Website: https://www.apgb.in/
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Important Tips
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Maintain CIBIL score above 750, avoid multiple loan applications,
and keep EMI below 40–50% of monthly income.
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Note: Interest rates and charges may change as per bank policy.
Always verify latest details at the official bank website or branch before applying.
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Under this scheme, salaried individuals can get loans up to ₹25 lakh, while self-employed professionals may qualify for higher limits based on income eligibility. Interest rates start from around 10.75% per year, making it a competitive option compared to many private lenders. Since the loan is unsecured, approval mainly depends on income stability, credit score, and repayment capacity.
The repayment period can go up to 10 years, allowing borrowers to manage EMIs comfortably. Applicants with a higher CIBIL score and stable income may receive lower interest rates. The loan is suitable for salaried employees, professionals, and business owners who need financial support without pledging assets.
Before applying, borrowers should carefully check EMI affordability, processing charges, and repayment terms. Responsible borrowing and timely EMI payments can also help improve credit scores in the long run.
