UCO Bank Ahmedabad

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About UCO Bank 

UCO Bank is a renowned public sector bank engaged into the business of accepting deposits and providing finances. The bank was founded in 1943 and its headquarters are in Kolkata, the capital of West Bengal. Well, the business of the bank started with a paid-up capital of ₹ 1 crore. Interestingly, it was founded a year after the launch of the famous Quit India Movement against the Britishers. Previously, the bank was known as United Commercial Bank. But the name changed to UCO bank later on.

Today, the bank is a recognized name for all sorts of banking be it corporate or personal banking as it has a wide suite of products that have the potential to fulfill the wishes of many. These products are constantly monitored by the mid and top-level bank executives and appropriate changes are made to make them custom-fit. At a time when there is a fierce competition among the banks in India, UCO Bank through its defining range of products and services has been able to establish itself well in the market.   

With the bank's board of directors normally representing the offices of Government of India, Reserve Bank of India, as well as holding expertise in the areas of management, chartered accountancy, economics, it seems the bank is nicely placed despite intense competition that is there to face. The changes are brought not only into the products but also into the value proposition from time to time. This leads to new customer acquisition and the retention of existing clients. 

In the years gone by since the foundation, the bank has been able to maintain a sizeable presence across the country. You have the option to choose from over 3,000 branches of UCO Bank to avail the services. The bank branches are evenly distributed across the country. The ATM count of the bank is also significant with more than 2,500. Also, the bank has established 42 zonal offices to keep a close eye on the branch operation. If you think UCO Bank's presence is limited to India only, you are in a myth then. The bank has four branches in Hong Kong and Singapore, two of the most important financial centres in the world. 

Ahmedabad, the largest city in the state of Gujarat, is where UCO Bank has a significant number of branches. The overall number of branches would be around 40-50 in Ahmedabad. If you want to go to your nearest UCO Bank branch in Ahmedabad, see the details below. 

UCO Bank Ahmedabad Branches

Branch NameComplete AddressIFSCMICRContact Detail
BhadraUco Bank Building, Bhadra, Ahmedabad- 380001UCBA0000007380028002079-5507115
NavarangpuraSabarkunj, Ashram Road, Navrangpura, Ahmedabad - 380009 GujaratUCBA0000213380028011079-7544526
NarayanapuraBungalow No.1, Narayanapura, Ahmedabad- 380013UCBA0000255380028010079-7493441
ManinagarBhairavanath Char Rasta, Maninagar, Ahmedabad - 380028 GujaratUCBA0000334380028008079-4530291
Relief RoadRelief Road, Opposite Havmore Hotel, Near Krishna Talkies, Ahmedabad- 380001UCBA0000681380028016079-22164416
Pritam Rai RoadNeeldhara, Pritam Rai Road, Town Hall, Vs Hospital, Ellis Bridge, AhmedabadUCBA0000696380028021079-6578607
Ashram RoadUCO Bhawan Ground Floor, New Sanyas Ashram, Ashram Road, AhmedabadUCBA0000697380028022079-6579681
Paldi Ambica Complex, Paldi Charrasta, Paldi-380007UCBA0000731380028013079-6586187
KhanpurSadhana Building, Khanpur, AhmedabadUCBA0000806380028005079-25602955
St.Xaviers High School RoadPlot No. 1 And 2, 5 Road Crossing Navrangpura, Ahmedabad- 380014UCBA0000838380028020079-6441469
EllisbridgeC.G.Road, Panchwati, Ellisbridge, Ahmedabad- 380006UCBA0000859380028006079-6447012
Narayan Nagar17, SBI Officers Housing Society Narayan Nagar, AhmedabadUCBA0001687380028024079-26639334
Service BranchUCO Bank Service Branch, Ashram Road, Ahmedabad, GujaratUCBA0001782380028001796578223
Rudra Square BodakdevJudges Bunglow Road, Rudra Square Bodakdev, Ahmedabad- 380015UCBA0001992380028029079-26870354
Mid Corporate BranchMid Corporate Branch, Near Sanyas Bhawan, Ashram Road, AhmedabadUCBA0001998380028030079-26579681
RakhialMangal Bhavan, Kasturba Nagar SocietyUCBA0000184380028014079-22161334
New Cloth MarketDiwan Ballubhai Marg AhmedabadUCBA0000409380028012079-2167962
Gomtipur 1, Patel Society, Near Chhikniwala EstateUCBA0001020380028004079-22772414
SabarmatiJitendra Copx, Rambagh Road, Op Highway Park SocietyUCBA0001026380028017079-2772414
MorbiKrupanidhi, Near Sardar Baug Petrol Pump Sanala Road, Morbi-363641UCBA0002809363028021

Products Offered by UCO Bank in Ahmedabad 

All the 'Ahmedabadis' who wish to live their life in a merry way can think of availing loans like a personal loan, car loan, home loan, trader loan, and much more. The application for these loans would depend on the financial goals that you must have set. So, choose out an option or two by reading the details of the products in the table below. 

Basic Details of UCO Bank Loans in Ahmedabad

ProductsEligibilityLoan AmountInterest RateProcessing FeeTenure
UCO Home LoanIndividuals 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 value8.45% - 8.70%0.5% of the loan amount

Minimum- ₹ 1,500

Maximum- ₹ 15,000
Upto 30 years
UCO Personal LoanConfirmed 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 lakhs9.60% - 12.60%1% of the loan amount, subject to a minimum of ₹ 750Upto 5 years
UCO Property Loan SchemeAvailable 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 Cr10.75%-11.75% p.a.Upto 1% of the loan amountUpto 12 years
UCO Education LoanStudents 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 Lakhs10.60%-11% p.a.NILUpto 15 years
UCO Car LoanRegular 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
8.70% - 8.95%1% of the loan amount, subject to a maximum of ₹ 1,500Upto 7 years for new cars

Upto 5 years for old cars
UCO Trader LoanExisting 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 Crore9.75%-11.55% p.a.Upto ₹ 20,000
UCO Roop SangamAvailable 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 Lakhs9.75% p.a.Upto ₹ 363 per lakh and service tax, if anyUpto 5-7 years
UCO CA Loan SchemeChartered 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 Crore11.70% p.a.0.5% of the loan amount, subject to a minimum of ₹ 2,000Upto 10 years

Documents Required to Avail Loans from UCO Bank in Ahmedabad

ProductsSalariedSelf-employed
Home LoanIdentity 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
Personal LoanIdentity 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
Car LoanAge 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

Hypothecation 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 SchemeIdentity 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 SangamIdentity 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 LoanIdentity 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

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