UCO Bank Bengaluru

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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 NameComplete AddressIFSCMICRContact Detail
Kempegowda13 By 22 Kempegowda Bengaluru-560009UCBA0000024560028002802876954
Mahatma Gandhi Road83, Mahatma Gandhi Road, Bengaluru- 560001UCBA0000151560028013805586130
JalahalliJalahalli Branch, Near Hmt Po, Jalahalli, Bengaluru- 580013UCBA0000202560028003080-28380401
Malleswaram47, 15th Cross, West Park Road, Malleswaram, Bengaluru- 560003UCBA0000231560028012803318865
KengeriMysore Road, Next To Kengeri Police Station, Kengeri, BengaluruUCBA0000297560028009080-8484253
Jayanagar238 By 35, 9th Main Road, 3Rd Block, Jayanagar, Bengaluru- 560011UCBA0000623560028010080-6633347
Mosque Road14, 14A Mosque Road, Fraser Town, Bengaluru- 560005UCBA0000624560028005080-5497534
Indira Nagar531 Binnamangala II Stage, Indira Nagar, Bengaluru- 560038UCBA0000986560028006080-5273962
Koramangala146 By 2 350 By 1 Koramangala, Bengaluru- 560034UCBA0001053560028011805532428
Rammurthy NagarSite No.42, Munikalappa, Layout, Banasbadi Main Road, Ramamurthy Nagar, BengaluruUCBA0001629560028008080-5650090
New K R Road4010, New K R Road, Banashankari Ii Stage, P.O. Banashankari, BengaluruUCBA0001641560028007806772057
Service BranchService Branch, 1St Floor, 13/22 K.G.Road, Bengaluru-560009UCBA0001827560028001080-2876952
K G Road13 By 22 1St Floor, K G Road, Bengaluru- 560009UCBA0001851560028016080-51222812
Shahakar NagarShivashakti Arcade, 170, Cqal Layout, 60 Feet Main Road, Shahakarnagar, BengaluruUCBA0001909560028017080-2362554
HSR Layout BranchHSR Layout Branch, No.1669 - A, 7Th Sector, 14Th Main, Bengaluru - 560102UCBA0001958560028018080-25722757
Bannerghata RoadPlot No.55/56/3, 1St Floor, 8Th Main, Old Gurappanapalya, Bannerghata Main Road, Bengaluru - 560029UCBA0001984560028019080-26683915
Vijaya NagarPlot No.1263/4, 1St Floor, Khb Colony, Nagadi Main Road, Khb Colony Bus Stop, Vijaya Nagar , Bengaluru- 560079UCBA0002009560028020080-23106262
Vasanth NagarNo 52, Place Cross Road, Vasanth Nagar, BengaluruUCBA0002015560028014080-22268406
Ganga NagarNo.59, HMT Bhavan, Bellary Road, Bengaluru UCBA0002016560028015080-23330333
YelahankaSFS 208, Ground Floor, 4Th Phase, Yelahanka Mother Dairy Cross, Bengaluru UCBA0002427560028027
Hoskote1st Floor, K R Road, Ward No.4, Hoskote Town, BengaluruUCBA0002443560028025
Basaveswar NagarGround Floor/ Cellar No. 320B, Sri Manjunatha 60Ft Rd, Manjunatha Nagar, Ist Stage, II PhaseUCBA0002533560028028

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

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

Be Ready with Documents to Avail Loans from UCO Bank in Bengaluru 

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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