UCO Bank Agra
Last Updated : Feb. 20, 2017, 11:53 a.m.
About UCO Bank
UCO Bank, previously known as United Commercial Bank, is a state-owned entity with its headquarters in Kolkata. The history of the bank is as old as 1943 when the Government of India established it. Started its journey with a paid-up capital of ₹ 1 crore, the bank has made rapid strides to earn huge as the time went on. The bank's board of directors take important positions in the Indian government and Reserve Bank of India, the banking regulator. Also, these directors come from the profession of chartered accountants, economists, business management, etc. With such experienced professionals at the helm, the bank has been able to create its own niche in the market. These professionals plan hard on the product offerings and constantly bring changes in the operation to let the bank achieve enhanced customer satisfaction.
Want to know the kind of customers the bank is taking stock of? Well, it's a wide range of customers that bank with UCO Bank. From small retail participants to top corporate heavyweights, the bank enlists a large number of different customer sets and serves them well to gain customer loyalty. Small entrepreneurs and farmers can get finances of their needs to progress in each other's life. So, it can be said that the bank is playing a pivotal role in India's financial inclusion plan by tapping the unbanked community.
What is the presence of the bank in India and overseas? This is the question that may cross your mind, right! Well, it is sitting comfortably with over 3,000 branches and 2,500 ATMs across the country. Besides, the bank has 42 zonal offices well spread across India. Come to its international presence and you would know that it's been over 60 years that the bank has serving overseas customers. The branch count overseas is just four but at important financial markets of the globe-Hong Kong and Singapore.
The cultural heritage city Agra in the state of Uttar Pradesh is also blessed with the services of UCO Bank. There are about 7-10 branches of UCO Bank in the city. Want to know the address of the UCO Bank branches in Agra? Take a look at the table below.
UCO Bank Agra Branches
| Branch Name | Complete Address | IFSC | MICR | Contact Detail |
|---|---|---|---|---|
| Belanganj Tikonia | Belanganj Tikonia, Agra- 282004, Uttar Pradesh | UCBA0000027 | 282028002 | 5622622905 |
| Akola | Chaharbati Inter College Compound, Post–Akola, Uttar Pradesh | UCBA0000005 | 283028033 | 0562-2710744 |
| Sewla | Sewla, Agra Gwalior Road, Uttar Pradesh | UCBA0000085 | 282028004 | 0562-2410564 |
| Rawatpara | 14/29, Rawatpara, Agra, Uttar Pradesh | UCBA0000301 | 282028005 | 0562-2462337 |
| Harparbat | Harparbat, Agra, Uttar Pradesh | UCBA0000507 | 282028003 | 0562-2523915 |
| Chowdhury Berisinghintr | Chowdhury Berisinghintr, Agra, Uttar Pradesh | UCBA0002004 | 282028006 | 0562-2571572 |
| Sikandra | Plot No 16/3/5 Sector-5, Sikandra Yojana, Agra- 282007, Uttar Pradesh | UCBA0002895 |
Products Offered by UCO Bank in Agra
A wide range of products is ready for you to avail at UCO Bank in Agra. Home seekers can apply for a suitable home loan , while a vehicle loan is also available for those wanting to buy vehicles. Similarly, students can get a suitable education loan to complete their studies either in India or abroad. Get down to know the details of each of the products offered by UCO Bank.
Basic Details of Loans Available at UCO Bank in Agra
| Products | Eligibility | Loan Amount | Interest Rate | Processing Fee | Tenure |
|---|---|---|---|---|---|
| UCO Home Loan | Individuals with a minimum age of 21 years at the time of application and 70 years at the proposed expiry of the loan tenure are eligible. | 75%-90% of the property value | 8.85% - 10.40% | 0.5% of the loan amount Minimum- ₹ 1,500 Maximum- ₹ 15,000 | Upto 30 years |
| UCO Personal Loan | Confirmed employees of either public or private sector entities or have served for a minimum period of 2 years at the existing organization for getting the approval. Net salary after deductions of PF and others must not be less than 40% of the gross income. | ₹ 10 lakhs | 12.80% | 1% of the loan amount, subject to a minimum of ₹ 750 | Upto 5 years |
| UCO Property Loan Scheme | Available to companies, firms and individuals who have a property to mortgage. Age must be 21 years while applying for a loan and must not be over 65 years at the time of loan maturity. Minimum monthly gross salary of applicants should be ₹ 20K-30K Net salary should not be less than 40% of the gross salary or ₹ 10,000, whichever is more. For businessmen, a yearly income of ₹ 4 lakhs is required. | ₹ 2 Cr-5 Cr | 10.75%-11.75% p.a. | Upto 1% of the loan amount | Upto 12 years |
| UCO Education Loan | Students applying for courses accredited to DoE. Courses for which loan is granted include ICWA, CFA, CA, MCA, MBA, MS, etc. Age of 28-33 years at the time of application | ₹ 10 Lakhs-20 Lakhs | 10.60%-11% p.a. | NIL | Upto 15 years |
| UCO Car Loan | Regular employee with a minimum work experience of 6 months are eligible to apply for a car loan. Monthly salary should be a minimum of ₹ 20,000, while self-employed must earn atleast ₹ 4 lakhs-5 lakhs | Upto 85% of the on-road price of new cars. For salaried, loan amount can equal to 36 times of gross monthly emolument Self-employed can receive loan upto 3 times of the average gross annual income of the previous two years. For old cars, the maximum finance is restricted to 5 lacs-15 lacs | 7.25% Onwards | 1% of the loan amount, subject to a maximum of ₹ 1,500 | Upto 7 years for new cars Upto 5 years for old cars |
| UCO Trader Loan | Existing businesses which are in the operation for a minimum of years and making profits in the previous 2 years are eligible to receive the loan. | ₹ 1 Lakh-2 Crore | 9.75%-11.55% p.a. | Upto ₹ 20,000 | |
| UCO Roop Sangam | Available to any woman or a unit formed by a group of women. The Partnership firms where women partners must have a higher share. Companies where women own the maximum of capital, which is invested. The borrower should be a minimum of 20 years at the time of application and must not be over 60 years by the time loan matures. | ₹ 3 Lakhs-10 Lakhs | 9.75% p.a. | Upto ₹ 363 per lakh and service tax, if any | Upto 5-7 years |
| UCO CA Loan Scheme | Chartered accountants be it on an individual or joint basis or proprietorship firm or a partnership firm. CA firm must have been working for the last 2 years. The applicant's name or firm name must not have figured among the RBI's list of defaulters. | Upto 2 Lakhs-1 Crore | 11.70% p.a. | 0.5% of the loan amount, subject to a minimum of ₹ 2,000 | Upto 10 years |
Documents Required to Avail Loans from UCO Bank in Agra
| Products | Salaried | Self-employed |
|---|---|---|
| UCO Home Loan | Identity Proof- PAN Card/Voter ID/Passport/Aadhaar Card Address Proof-Voter ID/Passport/Aadhaar Card/Utility Bill Income Proof-Latest Salary Slips, Form 16 for the Last 2 Years, Bank Statement for the Last 6 Months Property Registration Documents, Property Cost Estimate Prepared by a Chartered Engineer Duly Signed Application Form along with Passport Size Photographs | Identity Proof- PAN Card/Voter ID/Passport/Aadhaar Card Address Proof-Voter ID/Passport/Aadhaar Card/Utility Bill Business Establishment Proof- Service Tax/Sales Tax/VAT Registration, Telephone or Electricity Bills of Shops Income Proof- ITR for the last 3 Years, Profit & Loss Account Statement & Audited Balance Sheet for the Last 3 Years, Bank Statement for the Last 6 Months Property Registration Documents, Property Cost Estimate Prepared by a Chartered Engineer |
| UCO Personal Loan | Identity Proof- PAN Card/Voter ID/Passport/Aadhaar Card Address Proof-Voter ID/Passport/Aadhaar Card/Utility Bill Income Proof-Latest Salary Slips, Form 16 for the Last 2 Years, Bank Statement for the Last 6 Months | |
| UCO Car Loan | Age Proof-PAN Card/Voter ID/Passport/Aadhaar Card Identity Proof-PAN Card/Voter ID/Passport/Aadhaar Card Address Proof-Voter ID/Passport/Aadhaar Card/Utility Bill Income Proof-Latest Salary Slips, Form 16 for the Last 2 Years, Bank Statement for the Last 6 Months Hypothetication of the Car to be Purchased | Age Proof-PAN Card/Voter ID/Passport/Aadhaar Card Identity Proof- PAN Card/Voter ID/Passport/Aadhaar Card Address Proof-Voter ID/Passport/Aadhaar Card/Utility Bill Income Proof- IT returns for the last 2 years along with audited balance sheet, P&L account statement for 2 years Business Establishment Proof- Shop & Establishment act Certificate/ Sales tax Certificate / SSI Registered Certificate /Copy of Partnership Hypothecation of the Car to be Purchased |
| UCO Property Loan Scheme | Identity Proof-PAN Card/Voter ID/Passport/Aadhaar Card Address Proof-Voter ID/Passport/Aadhaar Card/Utility Bill Income Proof-Latest Salary Slips, Form 16 for the Last 2 Years, Bank Statement for the Last 6 Months Equitable Mortgage/Registered Mortgage of Land/Flat/House/Apartment | Identity Proof-PAN Card/Voter ID/Passport/Aadhaar Card Address Proof-Voter ID/Passport/Aadhaar Card/Utility Bill Income Proof- IT returns for the last 2 years along with audited balance sheet, P&L account statement for 2 years Business Establishment Proof- Shop & Establishment act Certificate/ Sales tax Certificate / SSI Registered Certificate /Copy of Partnership Equitable Mortgage/Registered Mortgage of Land/Flat/House/Apartment |
| UCO Roop Sangam | Identity Proof-PAN Card/Voter ID/Passport/Aadhaar Card Address Proof-Voter ID/Passport/Aadhaar Card/Utility Bill Income Proof-Latest Salary Slips, Form 16 for the Last 2 Years, Bank Statement for the Last 6 Months | Identity Proof-PAN Card/Voter ID/Passport/Aadhaar Card Address Proof-Voter ID/Passport/Aadhaar Card/Utility Bill Income Proof- IT returns for the last 2 years along with audited balance sheet, P&L account statement for 2 years Business Establishment Proof- Shop & Establishment act Certificate/ Sales tax Certificate / SSI Registered Certificate /Copy of Partnership |
| UCO Trader Loan | Identity Proof-PAN Card/Voter ID/Passport/Aadhaar Card Address Proof-Voter ID/Passport/Aadhaar Card/Utility Bill Income Proof- IT returns for the last 2 years along with audited balance sheet, P&L account statement for 2 years |