LOCATION OF SATNA BRANCH ANDHRA BANK

Address: Pushpraj Colony, Jeevan Jyoti Colony, Satna, Madhya Pradesh 485001
Hours: Open 10:30AM ⋅ Closes 4:30PM
Phone: 07672-228448

ANDHRA BANK - SATNA is located at MADHYA PRADESH state, SATNA district,

SATNA city and the bank branch's address is [PUSHPRAJ COLONY DISTRICT
HOSPITAL ROAD SATNA MADHYA PRADESH]. Contact phone number / numbers -
07672-228448.

The IFSC Code is ANDB0001694. Branch code is the last six characters of the IFSC Code -
001694. Individual bank branch's details are listed above.
 BRIEF HISTORY

"Andhra Bank" was founded by the eminent freedom fighter and a multifaceted
genius, Dr.Bhogaraju Pattabhi Sitaramayya. The Bank was registered on 20th November 1923
and commenced business on 28th November 1923 with a paid up capital of Rs 1.00 lakh and an
authorised capital of Rs 10.00 lakhs.
 THE PERFORMANCE HIGHLIGHTS OF THE BANK FOR THE FINANCIAL YEAR
2016-17

 Total Business increased to `3,39,673 Crore as on 31.03.2017, from `3,10,673 Crore as on 31.03.2016
registering a growth rate of 9.3%.

 Total Deposits increased to `1,95,441 Crore from `1,74,302 Crore in the previous year, registering a growth
rate of 12.1%.

 CASA Deposits increased to `57315 Crore from Rs.

45465 Crore, registering a growth rate of 26%.

 Cost of Deposits stood at 6.43%.

 Gross Bank Credit increased to `144232 Crore from `136371 Crore, registering a growth rate of 5.76%.

 Credit Deposit Ratio stood at 73.8% compared to 78.3% during the previous year.

 Yield on advances stood at 9.77%

 Net Interest Margin stood at 3.07%.

 Non-Interest Income stood at `2308 Crore.

 Net Profit for 2016-17 stood at `174 Crore.

 Gross NPAs to Gross Advances Ratio stood at 12.25%.

 Net NPAs to Net Advances Ratio stood at 7.57%.

 Capital Adequacy Ratio stood at 12.38% under BASEL-III.

 Return on Average Assets stood at 0.08%.

 Net Profit per Employee stood at `0.90 Lakh.

 Average Business per Employee stood at `16.61 Crore.

 Network Expansion: During 2016-17, your Bank opened 105 Branches and added 293 ATMs/BNAs/CRs. As on
31.03.2017, Bank had 6875 Delivery Channels consisting of 2908 Branches, 4 Extension Counters,

34 Satellite Offices and 3929 ATMs/BNAs/CRs

 FINANCIAL INCLUSION

 Bank has successfully implemented PMJDY and as on 31.03.2017, 24.23 lakh accounts have been opened
as against 21.78 lakhs during previous year.

 Total deposits of Rs. 326.33 Crore have been mobilized vis-à-vis `212.91 crores during 2015-’16 with an average
balance of `1346.57 as against `977.51 the previous year.

 Bank is the pioneer in introducing OD facility through ATMs and Micro ATMs in PMJDY Accounts.

 APY - Bank has enrolled about 1.39 Lakh accounts under APY in FY 2016-17. Bank was adjudged by
PFRDA as the best performing bank among PSBs during the FY 2016 – ’17.

 PMSBY – 67.50 lakh accounts have been enrolled under PMSBY.

 PMJJBY- 7.12 lakh accounts have been enrolled under PMJBY and settled 2816 claims.

 Bank has appointed 1777 Bank Mitras covering all allotted Sub Service Areas.

AWARDS IN FY 2016-17

 Two prestigious awards from IDRBT in July 2016:-

1. Best Bank for Managing IT Eco System among mid-size banks and
2. Best Bank for Digital Banking among mid-size banks.

 National Payment Excellence Award 2016 (Runner up) by NPCI' for excellent performance under Rupay
Card in midsize category

 Banking Technology Awards from IBA under midsize bank in

1. Best Financial inclusion initiatives -Winner and

2. Best IT Risk and Cyber Security Initiatives category – Runner UP

 SERVICES OFFERED

ANDHRA BANK SAVINGS ACCOUNT SCHEMES

KIDDY BANK ACCOUNT

Name of the Account AB Kiddy Bank

Who can open Children upto the age of 18 years (only minors)

Minors who have completed 10 years i.e., children in the age group of 10-
18 years can open these accounts in their names to be operated by
themselves on production of proof of date of birth

For minors who are below 10 years, the natural guardian should open and
operate the account.
Doll At the time of opening the account, an attractive doll will be given free of
cost to each account holder for pul1ing their savings in the doll.

Doll contains a secret lock which can be opened only at the branch where
the account is held.
Minimum balance Rs.100/-
Options available 1) Accident Insurance Coverage - Accident Insurance coverage for the child and
the parent with M/s.United India Insurance Co. Ltd., RS.55/- premium for a
cover of Rs.1.00 lakh

2) Life Insurance Coverage - Life Insurance coverage to the parent in the age
group of 18-55 years. The sum assured is Rs.1.00 lakh in case of natural death
or for accidental death and the premium payable is as below.

Age Group Premium Payable (Rs.)

18-35 Years 216
36-50 Years 372
51-55 Years 732
 Service Charges @ Rs.40/- plus Service Tax @12.36% shall be collected
separately.
Interest Payable Interest on the amounts are payable as per the rates applicable to Savings
Bank account which is at 3.50% p.a.
Deposits to the
Can be made from any branch of Andhra Bank
account

AB ABHAYA PLUS

AB Abhaya Plus is Savings bank account with Accidental Insurance facility covering death /
partial or permanent disability.

The maximum coverage is up to Rs 50000/-.

Add value to your Savings account by opening this new abhaya plus savings scheme.

RISK COVERED

Nature of Disability Insurance cover

due to accident Rs.
Death 50,000
Permanent total disability 50,000
Loss of two eyes/feet/hands 50,000
Loss of any two limbs out of Eyes/hands/feet 50,000
Loss of one eye/foot/hand 25,000

ANDHRA BANK EASY SAVING ACCOUNTS

To make banking facilities available to vast sections of population our Bank introduced No Frills
Savings A/c with name and style "AB Easy Savings Bank" account.

FEATURES
 1. Minimum balance of Rs.5/-
2. No Charges on non maintenance of Minimum Balance
3. No other service charges
4. No Restrictions on the number of withdrawals in the account. Drawals only
through withdrawal forms accompanied by pass book.
5. No cheque book shall be issued
6. No ATM / Debit card facility
7. No ABB facility
8. Relaxed KYC Norms,
 Introduction by an existing account holder. The introducer's account with
the bank should be at least six month old and should show satisfactory
transactions.
 Any other evidence as to the identity and address of the customer to the
satisfaction of the bank.
CONDITIONS
 The total balance in the account at any point of time should not
exceed Rs. 50000/-

ABHYA SB A/C

SAVINGS BANK ACCOUNT WITH ACCIDENTAL INSURANCE

Eligibility Individuals, either single or joint

Age Limit 5 to less than 70 years
Insurance cover Rs. 25,000 /- per person
Risk Covered Risk is covered only due to accident

In case of Death Rs. 25,000 /-

Disability: a) Permanent Rs. 25,000 /-
b) Partial Rs. 12,500 /-
Premium/ Service Rs. 18 /- per person per annum (subject to changes every year)
charges
Periodicity The insurance charges are to be collected at the time of opening the
 account and on 31st August every year
Insurance Year 1st September to 31st August every year
Claim Information The information should be given within 90 days directly to the bank
branch where the account is maintained.
Claim Submission The claim document should be submitted within 180 days from the date of
accident/ death to the bank branch.
Value additions Cheque books/ International Debit card/ 24 hour ATM facility/ Utility
payments through ATMs/ Instant Fund Transfer/ Any Branch Banking.

ABHYA GOLD SB A/C

SAVINGS BANK ACCOUNT WITH ACCIDENTAL INSURANCE

Eligibility Individuals, either single or joint

Age Limit 5 to less than 70 years
Insurance cover Rs. 1,00,000 /- per person
Risk is covered only due to accident

In case of Death Rs. 1,00,000 /-

Risk Covered Disability:

a) Permanent Rs. 1,00,000 /-

b) Partial Rs. 50,000 /-

Premium/
Rs. 65 /- per person per annum (subject to changes every year)
Service charges
The insurance charges are to be collected at the time of opening the account
Periodicity
and on 31st October every year
Insurance Year 1st November to 31st October every year
Claim The information should be given within 90 days directly to the bank branch
Information where the account is maintained.
Claim The claim document should be submitted within 180 days from the date of
Submission accident/ death to the bank branch.
Cheque books/ International Debit card/ 24 hour ATM facility/ Utility
Value additions
payments through ATMs/ Instant Fund Transfer/ Any Branch Banking.
 JEEVAN ABHYA SCHEME
AB Jeevan Abhaya is a Savings Bank Account launched in association with M/s LIC of India,
which provides Group Life Insurance Cover with Accident Death Benefit.
1. What is "AB Jeevan Abhaya"
Savings Bank Account?
2. Who can open AB Jeevan Abhaya
Savings Bank Account?
3. What is the sum assured?
4. Do the person has to undergo any
Medical Check-up?
5. Do the person has to give Proof of
age?
6. Do the person get any Policy
certificate and any Surrender Value of
the Policy?
8. Who will settle the Claims?
9. Can a person include his Family
members in the Scheme?
10. What is the premium payable?
11. What is the Insurance year?
"AB Jeevan Abhaya" is a Savings Bank Account that
provides Group Life Insurance cover and Accident Death
Benefit.
The Scheme is open to all those who are in the age group
of 18 to 55 years.
The sum assured is Rs.1,00,000/- in case of normal death
and Rs.2,00,000/- in case of accidential death.
No Medical Check-up is required except a simple Health
Declaration Form.
Yes. Proof of age is required if there is a claim.
No. No individual Policy will be given as this is a Group
Policy and there will be no surrender value.
Settlement of claims is done by M/s Life Insurance
Corporation of India Ltd at their sole discretion and our
Bank will only act as a facilitator.
Yes. By opening a joint account and on payment of
premium applicable for each joint account holder.
The premium is payable per annum according to three Age
Groups:
Age Group Premium Payable
18-35 216/-
36-50 372/-
51-55 732/-
Apart from premium, a nominal Administrative Charges
@33/- with Service Tax 12.24% per account is charged
The insurance year is from 1st December to 30thNovember

12. What is the claims procedure?
13. What are the Documents to be
submitted to Insurance company?
14. What are the Special features of the under the Group Life Insurance Scheme and would be
Scheme?
15. Lien Clause
every year
Intimation of death to be given to the Insurance Company
within 90 days and the duly filled in claim form along
with necessary documents to given to Insurance
Company within 180 days through our Bank.
In case of Normal Death: Death Certificate
In case of Accidental Death: Death Certificate, FIR
Report , Final Report & Post mortem report.
The premium paid by a person is a special rate offered
much more for the same policy if taken as an Individual
policy.
Lien of 45 days is operative under AB Jeevan Abhaya/AB
Jeevan Abhaya Special Account. i.e. if death occurs
within 45 days of opening of account, claim shall not be
payable. However, this clause does not apply in case of
death due to accident.

ANDHRA BANK CURRENT ACCOUNTS

INSURANCE LINKED CURRENT ACCOUNT

CURRENT ACCOUNT WITH ACCIDENTAL INSURANCE

Individuals, JHF, Proprietary concerns, Partnership firms, Accounts of

Eligibility
Overdraft/ Cash credit/ Pattabhi Agri Card
Age Limit 5 to less than 70 years
Insurance cover Rs. 1,00,000 /- per person
Risk Covered Risk is covered only due to accident
 In case of Death Rs. 1,00,000 /-

Disability: a) Permanent Rs. 1,00,000 /-

b) Partial Rs. 50,000 /-

Premium/ Service
Rs. 60 /- per person per annum (subject to changes every year)
charges
The insurance charges are to be collected at the time of opening the
Periodicity
account and on 21st February every year
Insurance Year 21st February to 20st February every year
The information should be given within 90 days directly to the bank
Claim Information
branch where the account is maintained.
The claim document should be submitted within 180 days from the date
Claim Submission
of accident/ death to the bank branch.
Cheque books/ International Debit card/ 24 hour ATM facility/ Utility
Value additions
payments through ATMs/ Instant Fund Transfer/ Any Branch Banking.

Minimum Balances to open Current Account :

Branch Located in Minimum Deposit (in Rupees)

Rural 1000/-

Semi Urban 2000/-

Urban 3000/-

Metro 5000/-

The account holders have to maintain a minimum balance at all times as mentioned above

ANDHRA BANK FIXED DEPOSTS

 Minimum Amount to be deposited is Rs.100/-

  There is no maximum ceiling

 The period of deposits is from 15 days to 10 years

Interest Rates on Domestic Term Deposits

Revision of Interest Rates on Domestic Term Deposits

Maturity Period Rates of interest (%) per annum w.e.f. 05/06/2009
Less than Rs.15.00 Lakhs Rs. 1.00 Cr to Above
SL
Rs.15.00 Lakhs to Rs.5.00 Cr Rs. 5.00 Cr
No
< 1.00 Cr
1 7 days to 14 days* 2.75 2.75 2.75 2.75
2 15 days to 45 days 4.00 4.00 3.00 3.00
3 46 days to 90 days 5.00 5.00 3.00 3.00
4 91 days to 119 days 5.50 5.50 3.50 3.50
5 120 to 179 days 5.50 5.50 3.50 3.50
6 6 to < 9 months 6.50 6.50 4.50 4.50
7 9 to < 12 months 6.75 6.75 5.50 5.50
8 1 year to < 2 years 7.25 7.25 6.00 6.00
9 2 years to < 3 years 7.25 7.25 6.00 6.00
10 3 years to < 5 years 7.25 7.25 6.00 6.00
11 5 years to 10 years 7.25 7.25 6.00 6.00

*For Deposits Rs.1.00 Lakh and Above

Note : AB SUPER SCHEME IS CLOSED BY 15.12.2008. IT STANDS WITHDRAWN FROM

16.12.2008
 ANDHRA BANK CUMULATIVE TERM DEPOSIT

 This is a Cumulative Term Deposit

 Minimum Amount to be deposited is Rs.100
 There is no maximum ceiling
 The minimum period is 6 months and maximum is 10 years
 The interest is compounded quarterly and paid on maturity of the deposit

ANDHRA BANK RECURRING DEPOSITS

 There is no maximum ceiling

 The minimum period is 6 months and maximum is 10 years

 Interest is quarterly compounded

ATMMOBILE – AN ATM PLUS MARKETING POINT

IN BRINGING CONVENIENCE TO YOUR DOOR STEPS

Andhra Bank the pioneer in several banking services and products, now brings banking services
to the doorsteps of customers. Mobile ATMs, apart from expanding the reach of the bank, will
also effectively function as a market point offering multiple services even in remote areas.

SERVICES INCLUDE
 Balance Enquiry.
 Cash Withdrawal.

 Mini Statement.

 Funds Transfer.

 Cash against Credit Cards.

 Mobile recharge.
  ATM Cards of SBI, Indian Bank, UTI, IDBI, HDFC Banks.

 Utility Payments.

ADVANCED TECHNOLOGY - TO MEET CUSTOMER NEEDS

ATMobile works on advanced CDMA technology, and is designed with inbuilt security features.
Computers and wireless connectivity ensures that records were also updated immediately at these
mobile locations. The front portion of the custom built vehicle will have an ATM, while the rear
portion will be used for customer service, by the bank staff.

CMS (CONTENT MANAGEMENT SYSTEM)

CMS is a banking service that enables the customers to manage their Receivables and Payments
efficiently and effectively. Under CMS, customers get a Single point credit for the cheques
deposited by their dealers at multiple locations.

RTGS (REAL TIME GROSS SETTLEMENT SYSTEM)

Real Time Gross Settlement System (RTGS) is the ultimate in the payment and settlement
architecture in any country primarily for online, real time inter bank payment and settlement of
large value funds.

In other words, this is an electronic payment processing environment where payment instructions
are processed on continuous / on real time basis and settled on gross / individual transaction basis
with out netting the debits against credits.

RTGS payment system can also be called as one in which payment instruction between banks are
processed, settled individually and continuously throughout the day as per the timings fixed from
time to time. (Between 9.00 a.m and 3.00 p.m daily and 9.00 a.m and 12.30 p.m. on Saturdays as
of now) RTGS works on all days except on Sundays and National holidays across states.
 ELECTRONIC CLEARING SERVICE

Electronic Clearing Service benefits the Bank Customers & Investors in Shares / Debentures
/Deposits.

Direct Credits

 Dividend income from investment in shares/debentures

 Interest income from fixed deposits and bonds

 Commission and other regular incomes

 Salary and pension

 Income-tax refund orders and other inward remittances

Direct Debits

 Telephone & Electicity Bills, loan instalments & insurance premia

 School, College & Club Membership fees

 Credit Card dues

 Water taxes, property taxes & other regular payments

THE NATIONAL ELECTRONIC FUNDS TRANSFER (NEFT)

The National Electronic Funds Transfer (NEFT) has been launched by Reserve Bank of India with
an intention to transfer the funds with an efficient, secure, economical, reliable and expeditious
way using Structured Financial Messaging System (SFMS), in order to avoid the stress on existing
paper based funds transfer and clearing system.

Electronic Funds Transfer (EFT) has been phased out by RBI w.e.f, 01.01.2007 and NEFT facility
has replaced EFT. We are happy to inform you that NEFT facility is being extended to all RTGS
(Real Time Gross Settlement) branches in our bank.

NEFT facility has been relaunched with the brand name ' AB Xpress ".
To make banking facilities available to vast sections of population our Bank introduced No Frills
Savings A/c with name and style "AB Easy Savings Bank" account.

FEATURES

1.Minimum balance of Rs.5/-

2.No Charges on non maintenance of Minimum Balance
3.No other service charges
4.No Restrictions on the number of withdrawals in the account. Drawals only through withdrawal
forms accompanied by pass book.
5. No cheque book shall be issued
6. No ATM / Debit card facility
7. No ABB facility
8. Relaxed KYC Norms,
o Introduction by an existing account holder. The introducer's account with the bank should
be at least six month old and should show satisfactory
transactions.
o Any other evidence as to the identity and address of the customer to the satisfaction of the
bank.
CONDITIONS
o The total balance in the account at any point of time should not exceed Rs. 50000/-

SERVICE CHARGES ELECTRONIC PAYMENT PRODUCTS AND OUTSTATION CHEQUE COLLECTION w.e.f.,
15.10.2008
CANCELLATION Rs.50/
INWARD RTGS / NEFT / ECS
TRANSACTIONS Free, no charges to be levied
OUTWARD TRANSACTIONS
RTGS Rs.1 to 5 lakh Not exceeding Rs.25/- per transaction
Rs.5 lakh and above Not exceeding Rs.50/- per transaction
NEFT Up to Rs.1 lakh Not exceeding Rs.5/- per transaction
Rs.1 lakh and above Not exceeding Rs.25/- per transaction
CHEQEU RETURN CHARGES
FOR ECS DEBIT RETURNS Rs.50/-per each ECS Debit return

These charges shall be applicable for all types of transactions, including inter-bank funds
transfers
 FOR OUTSTATION CHEQUE
COLLECTION Up to Rs.10000 Not exceeding Rs.50/- per Instrument
Rs.10000 to 1 lakh Not exceeding Rs.50/- per Instrument
Rs.1,00,001 &
above Not exceeding Rs.50/- per Instrument

HOUSING LOANS

ELIGIBILITY CRITERIA
General

 Age 18 to 65 years.

 Repayment maximum 20 years.

 75% of cost of construction OR 85% of estimated cost for outright purchase as loan

 No guarantee / co obligation.

 Income tax benefit for payment of both Principle and Interest as per I.T.Rules
Salaried Persons

 Maximum 48 times monthly gross income

 Latest salary certificate

 Certificate from the employer regarding leftover service

 Estimates and other related approved documents

 30% take home pay.

Housing Loans for Agriculturists, Business & Self-employed persons

 For Agriculturists, four times of gross annual income as per certificate issued by the
competent Revenue Authority, supported by evidence of land holdings
 4 times the gross annual income

 Income Tax Returns

 Auditor Certificate

 Estimates and other related approved documents

Rate of Interest for Loans Sanctioned w.e.f., 01.04.2009

For Limits in Priority Sector :

1) Limits below Rs.20.00 lacs Housing Loans

2) For Repairs in Rural and Semi Urban Area up to Rs.1.00 lac

3) For Repairs in Urban and Metro Area up to Rs.2.00 lac

REPAYMENT PERIOD Interest Rates

Floating only
Up to and inclusive of 5 years 09.50 (BMPLR-2.75)
Above 5 & up to and inclusive of 10 years 09.75 (BMPLR-2.50)
Above 10 years (Max. 20 years) 10.00 (BMPLR-2.25)

FOR LIMITS IN NON PRIORITY SECTOR I.E., ABOVE RS.20.00 LACS

REPAYMENT PERIOD Interest Rates

Floating only
Up to and inclusive of 5 years 10.25 (BMPLR-2.00)
Above 5 & up to and inclusive of 10 years 10.50 (BMPLR-1.75)
Above 10 years (Max. 20 years) 10.75 (BMPLR-1.50)

PERSONAL LOANS

To meet any credit requirements of the borrowers for the personal/unforeseen commitments
 Security

 Pledge of National Savings Certificates, Kisan Vikas Patra, Assignment of LIC

 Policies and Securities. PSU bonds.

 Repayment

 60 months.

 Quantum

 75% of the purchase value of securities pledged including the accrued interest (in
case of cumulative interest bearing securities).

 Co-obligation

 For Credit limits above Rs 50,000/- Co-obligation is necessary Prevailing Interest

rates apply
OTHER PERSONAL LOANS

Administrative charges
Processing
Quantum of Loan Per quarter per Per annum
charges
account Per account

Upto and inclusive of Rs. 25,000/- Rs. 250/- Rs. 50/- Rs. 200/-

Above Rs. 25,001 and upto and

Rs. 500/- Rs. 75/- Rs. 300/-
inclusive of Rs. 50,000/-

Above Rs. 50,001 and upto and

Rs. 100/- Rs. 400/-
inclusive of Rs. 75,000/- Rs. 750/-

Above Rs. 75,000/- Rs.1000/- Rs. 150/- Rs. 600/-

These charges both processing and administrative charges will be applicable to CONSUMER
LOANS, CLEAN LOANS & VEHICLE LOANS.

WESTERN UNION MONEY TRANSFER

Living abroad, your loved ones are so far away. But when they send money home with Western
Union, it brings them closer. With Western Union’s state-of-the-art computer systems and a
secure global network, the money reaches you safely in minutes.

Remittances from abroad come by Swift/Drafts/Cheques which takes 10

1. What is Western days to realize the proceeds by the Customer. In Western Union Money
Union Money Transfer, the time taken will be very less.
Transfer?
2. Who introduced Western Union Financial Services International, USA introduced
Western Union International Money Transfer Services. It is a subsidiary of First Data
Money Transfer Corporation, a Fortune 500 Company. At present, Western Union has over
Service? 1,20,000 Agent locations in more than 190 countries.
3. Describe a typical If Someone wants to send money to their family in India, all they need to
monetary transaction do is walk into a Western Union Agent location. There, they fill out a “To
made through Western Send Money” Form and hand the amount being sent along with the
Union? required service fee to the Agent. The information is then keyed at once
into the dedicated Western Union system, which is connected to various
centers through a proprietary software around the world. The
Receiver/Beneficiary can then go to any of our identified Andhra Bank
Branches* offering Western Union Money Transfer Service fill out a “To
Receive Money” Form and show proper photo identification. Once this
information is verified and found to be satisfactory, the Branch pays the
Money.
4. What type of According to Reserve Bank of India (RBI) guidelines, only personal
Remittances are remittances towards family maintenance and remittances favoring foreign
permitted / not tourists visiting India are permitted under this Service. All Trade related
permitted in this remittances, remittances towards purchase of property, investments or
Service? credit to NRE/FCNR Accounts etc or Donations/Contributions to
Charitable organizations are not permitted under this Service.
5. What is the For our Customers and also General Public, any single remittance under
maximum amount the scheme shall not exceed US Dollors 2500 or its equivalent. Branches
permitted by RBI can pay up to Rs.49,999/- by Cash and all amounts of Rs.50,000/- and
under this Scheme? above shall be paid by Pay Order/Demand Drafts (without our Bank
 Charges) or Direct credit to the Beneficiary Account in the Branch. For
Foreign Tourists amount exceeding Rs.50,000/- can be paid by Cash as
per RBI permission. Only 12 Remittances shall be permitted in a year by
a single recipient.
6. What the salient The Service is approved by Reserve Bank of India. The
features of the Beneficiary/Receiver pays no fee. Neither the Sender nor the Receiver
Service? has to have a bank account. The Service is Fast, Safe, Legal & Reliable.
Each transfer is protected by a world class security system.
 Passport 2. Driving License 3. Ration Card 4. Voters ID 5. PAN
Card 6. Refugee Card
7.Identity proof to be
submitted for 7. Student ID issued by Government College 8. Bank Pass Book (with
receiving money? Photo) 9. Army card
10. Police Card.

All these IDs must be valid at the time of transactions.

8. Andhra Bank Nearly 50% of the branches of Andhra Bank are designated centers to
Branches where receive money under Western Union Money transfer. Look out for the
amount can be Western Union Money Transfer sign Board in front of the branches to
received? receive money by you.

MOBILE BANKING

REGISTRATION PROCEDURE

An Andhra Bank Customer can register himself for mobile banking services by submitting
application form for the mobile banking service duly signed accepting the terms and condition
displayed in our site www.andhrabank.in .

However, An Andhra Bank Customer can register himself through any Andhra Bank ATM
accepting all term and conditions.

ANDHRA BANK has launched Mobile Banking Services through SMS ALERTS
WHAT IS PUSH MESSAGE ALERTS?

A push transaction is one in which the bank sends information based on a set of rules. Under this
service, customer registered for Mobile Banking facility shall be able to get SMS alerts for
various activities on his account Such messages are those that the Bank chooses to send out to a
customer’s mobile phone for which the customer needs to be registered under ANDHRA BANK
Mobile Banking Service by submitting one time application to the bank for availing the facility.

Mobile Alerts offered initially

 For Transactions above a certain limit

 ATM Withdrawal above a certain limit

 Cheque Returns

 Cheque Book Issue

 Term Deposit Due

 Balance for any transaction at day end

Registration of Mob No for SMS Alert’s Andhra Bank ATMs

WELCOME SCREEN

WELCOME
TO
ANDHRA BANK
ATM
PLEASE INSERT
YOUR CARD

THIS IS CARD READ STATE CUSTOMER HAS TO INSERT HIS ATM/DEBIT CARD
PIN ENTRY SCREEN

PLEASE ENTER
YOUR PIN

CUSTOMER HAS TO KEY IN HIS 4 DIGIT PIN.

MAIN MENU FOR ANDHRA BANK CUSTOMERS

=> E SEVA &

FAST CASH <=
OTHERS
=> TRANSFER WITHDRAWAL <=
=> MINI BALANCE
STATEMENT ENQUIRY <=
=> LOG ONLY IN CHANGE <=

CUSTOMER HAS TO SELECT ESEVA & OTHERS OPTION FOR SMS REGISTRATION.

ESEVA & OTHERS SUB MENU

=> MOBILE TTD/SHIRDI

RECHARGE DONATIONS <=
=> SMS E SEVA &
REGISTRATION UTILITIES <=
UTILITY
=> CALLING CARD
PAYMENT <=
=> FIXED LINE

CUSTOMER HAS TO SELECT SMS REGISTRATION OPTION

SMS REGISTRATION SCREEN

AB e - R@IL
BOOKING YOUR RAILWAY TICKETS HAS NEVER BEEN SO EASY.

In association with IRCTC, Andhra Bank introduces booking of Railway Ticket on net
using Andhra Bank Debit Cards.

Under this arrangement, our Debit Card holders can log on to the website of IRCTC,
www.irctc.co.in and schedule the travel. Once the reservation is complete, while
invoking the payment option, choose Andhra Bank and enter the card details as it appears
on your card and key in the PIN.
BANK LAYOUT
 OBSERVATIONS

 Availability of Complaint box.

 proper security is arrangements made in the bank.

 Notice boards are displayed in three languages for the convenience.

 Employees are very customer friendly.

 No language problem when we are communicating with the employee.

 The area of the bank is sufficient.

 The location of the bank is good.

 Perfect layout of the bank (short and sweet).

 Sufficient number of brochures are available in the bank.