UCO Bank Bengaluru
Last Updated : Jan. 12, 2019, 10:35 a.m.
About UCO Bank
UCO Bank, a Govt of India Undertaking set up in the year 1943 with a paid-up capital of ₹ 1 crore, has gone quietly about its job to become one of the preferred banks in India. Previously known as United Commercial Bank, the bank has its headquarters in Kolkata, the capital city of West Bengal and one of the metropolitan cities of India. The establishment year of UCO Bank sounds interesting as it happened a year after the Father of the Nation Late Mahatma Gandhi launched Quit India Movement against the British rulers.
The bank was controlled under private management until 1969 when the Government of India recognized the potential of the bank and thus nationalized it along with 13 other banks. The accolades of the bank have been its entry in Forbes Global 20001 List and also on the list of most trusted brands category based on 2014 data.
In a journey to mainstream banking, the bank has excelled in almost all banking segments be it retail, corporate, MSME, NRI or any other. The reason for its massive success is attributable to custom products that address specific requirements of the customers. It is its ability to empower the lives of people by reinventing itself has placed the bank well to combat competition and emerge victorious more often than not.
The bank’s name may occupy less space in writing but not its overall presence across the country. With over 3,000 branches and more than 2,500 ATMs, UCO Bank is a proof of brand visibility, without which a bank can’t inspire confidence among the customers. As many as 42 zonal offices are set up to oversee the work of these branches. Moreover, the bank’s branch network in Singapore and Hong Kong, the premier financial centres of the world, just makes prospective customers of the bank even more interested.
Nearly 40 branches are located in the IT city of Bengaluru, which also is the capital of Karnataka. Looking for a bank to open a savings account or avail loans? UCO Bank could just be the answer to all your financial needs. And at Bengaluru, you have as many as 40 branches of UCO Bank to choose from to serve your financial needs. You can see Bengaluru branches of the bank in a table below.
UCO Bank Bengaluru Branches
Branch Name | Complete Address | IFSC | MICR | Contact Detail |
---|---|---|---|---|
Kempegowda | 13 By 22 Kempegowda Bengaluru-560009 | UCBA0000024 | 560028002 | 802876954 |
Mahatma Gandhi Road | 83, Mahatma Gandhi Road, Bengaluru- 560001 | UCBA0000151 | 560028013 | 805586130 |
Jalahalli | Jalahalli Branch, Near Hmt Po, Jalahalli, Bengaluru- 580013 | UCBA0000202 | 560028003 | 080-28380401 |
Malleswaram | 47, 15th Cross, West Park Road, Malleswaram, Bengaluru- 560003 | UCBA0000231 | 560028012 | 803318865 |
Kengeri | Mysore Road, Next To Kengeri Police Station, Kengeri, Bengaluru | UCBA0000297 | 560028009 | 080-8484253 |
Jayanagar | 238 By 35, 9th Main Road, 3Rd Block, Jayanagar, Bengaluru- 560011 | UCBA0000623 | 560028010 | 080-6633347 |
Mosque Road | 14, 14A Mosque Road, Fraser Town, Bengaluru- 560005 | UCBA0000624 | 560028005 | 080-5497534 |
Indira Nagar | 531 Binnamangala II Stage, Indira Nagar, Bengaluru- 560038 | UCBA0000986 | 560028006 | 080-5273962 |
Koramangala | 146 By 2 350 By 1 Koramangala, Bengaluru- 560034 | UCBA0001053 | 560028011 | 805532428 |
Rammurthy Nagar | Site No.42, Munikalappa, Layout, Banasbadi Main Road, Ramamurthy Nagar, Bengaluru | UCBA0001629 | 560028008 | 080-5650090 |
New K R Road | 4010, New K R Road, Banashankari Ii Stage, P.O. Banashankari, Bengaluru | UCBA0001641 | 560028007 | 806772057 |
Service Branch | Service Branch, 1St Floor, 13/22 K.G.Road, Bengaluru-560009 | UCBA0001827 | 560028001 | 080-2876952 |
K G Road | 13 By 22 1St Floor, K G Road, Bengaluru- 560009 | UCBA0001851 | 560028016 | 080-51222812 |
Shahakar Nagar | Shivashakti Arcade, 170, Cqal Layout, 60 Feet Main Road, Shahakarnagar, Bengaluru | UCBA0001909 | 560028017 | 080-2362554 |
HSR Layout Branch | HSR Layout Branch, No.1669 - A, 7Th Sector, 14Th Main, Bengaluru - 560102 | UCBA0001958 | 560028018 | 080-25722757 |
Bannerghata Road | Plot No.55/56/3, 1St Floor, 8Th Main, Old Gurappanapalya, Bannerghata Main Road, Bengaluru - 560029 | UCBA0001984 | 560028019 | 080-26683915 |
Vijaya Nagar | Plot No.1263/4, 1St Floor, Khb Colony, Nagadi Main Road, Khb Colony Bus Stop, Vijaya Nagar , Bengaluru- 560079 | UCBA0002009 | 560028020 | 080-23106262 |
Vasanth Nagar | No 52, Place Cross Road, Vasanth Nagar, Bengaluru | UCBA0002015 | 560028014 | 080-22268406 |
Ganga Nagar | No.59, HMT Bhavan, Bellary Road, Bengaluru | UCBA0002016 | 560028015 | 080-23330333 |
Yelahanka | SFS 208, Ground Floor, 4Th Phase, Yelahanka Mother Dairy Cross, Bengaluru | UCBA0002427 | 560028027 | |
Hoskote | 1st Floor, K R Road, Ward No.4, Hoskote Town, Bengaluru | UCBA0002443 | 560028025 | |
Basaveswar Nagar | Ground Floor/ Cellar No. 320B, Sri Manjunatha 60Ft Rd, Manjunatha Nagar, Ist Stage, II Phase | UCBA0002533 | 560028028 |
Products Offered by UCO Bank in Bengaluru
Wow! You are all set to run an enjoyable ride with UCO Bank in Bengaluru. Whatever class of people you may belong to, UCO Bank has positioned itself to fulfill your dreams, which could be anything under the sun. But just to quantify it, I would be right in saying you could be in the need for a car loan , personal loan, home loan. If you are a businessman, a trader loan awaits you at UCO Bank in Bengaluru. It is indeed necessary to know the details of the products before applying for them. So, a table below will detail you on the products. So, glance and choose one or multiple options.
Basic Details of UCO Bank Loans in Bengaluru
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 |
Be Ready with Documents to Avail Loans from UCO Bank in Bengaluru
Products | Salaried | Self-employed |
---|---|---|
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 |
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 | |
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 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 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 |