Andhra Bank
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Toll Free Number : 1800 425 1515

AB Laghu Udhyami Credit Card (LUCC) Scheme

To met the credit requirements of Small Business, Retail traders, Professional and self employed persons,  Artisans & Village Industries, Micro and small enterprises.

  Basis of assessment

Small Business & Retail Trade-20% of annual turnover Professional & Self employed: 50% of gross annual income as per IT Return Micro & Small (Mfg): 20% of the projected Annual sales turnover with a minimum margin of 5% of the turnover.

    Quantum of  finance

Maximum upto Rs.10.00 lakhs per borrower



Hypothecation of Stock in Trade, Receivables, Machinery, Office equipment etc., as specified for existing limits

  Collateral Security & Third party Guarantee

The existing securities along with Co-obligation/Guarantee may be retained while converting the account to LUCC account.


3 Years subject to annual review