UCO Bank Bhubaneswar - Main Branch Address, Rates March 2024, IFSC

UCO Bank Bhubaneswar

About UCO Bank

A proud history with massive presence defines the institution of UCO Bank. Throughout its journey, it has been a premier bank across the country due to its ever so increasing range of products. Both the presence and the products have added to the growth story of UCO Bank, whose business is now running smoothly, a big leap forward from a paid-up capital of ₹ 1 crore.  

The bank was founded in the pre-independence era, 1943, to be precise. So, when the country was united in its fight to wreak havoc in the English Administration, it was Ghanshyam Das Birla, a member of Quit India Movement 1942 and a noted industrialist, came up with an idea to set up a bank, which was named as United Commercial Bank. The bank commenced its operations at its head office in Kolkata, where its headquarters are now. 

Talking of the present scenario, you could find the bank's board of directors being key office bearers of the Indian government and Reserve Bank of India, the sector watchdog. Some of them are noted chartered accountants, economists, business management experts and others. So, it is a good brand to be associated with as many influential people with sound background are behind the bank. 

Call it unique or exemplary services, the bank has always been a talking point in reference to satisfying the needs of a broad set of customers. Be it the small entrepreneurs, top corporates or a retail customer, UCO Bank has provided them well-designed products catering to their requirements. If a trader can get finance to run his/her business, salaried people like me and you can avail a home loan, personal loan or car loan to live our dreams. 

As far as presence goes about, it runs more than 3,000 branches and 2,500 ATMs across India. With 42 zonal offices in place, the operation of the branches is made smoother. In addition, the bank holds prominence overseas as well by having branches in key global cities like Hong Kong and Singapore. 

Your city Bhubaneswar is also within the bandwidth of UCO Bank, which has around 20-30 branches in the city. And if you are not able to find out the branches of the bank, a table below would be a perfect guide to let you be there. 

UCO Bank Bhubaneswar Branches

Branch NameComplete AddressIFSCMICRContact Detail
Bhubaneswar MainJanpath, 91/92, Bapujinagar, Bhubaneswar, Odisha- 751012UCBA00004707510280070674-2530816
Govt. SecretariatOdisha Govt. Secretariat, Bhubaneswar, Odisha-751001UCBA00006647510280040674-2530816
Sahid NagarPlot No.474, Sahid Nagar, Bhubaneswar, Odisha-751007UCBA00009237510280050674-2503780
CRPF HeadquarterCRPF Headquarters. P.O. Nayapalli, Bhubaneswar Orissa-751012UCBA00009287510280030674-2560806
SuryanagarSuryanagar, BhubaneswarUCBA00017697510280060674-2407687
Ashoka Market BranchAshoka Market Branch, UCO Bank Building, Ist Floor, Unit Ii, C2 Ashoka NagarUCBA00017857510280020674-2530405
Maitree ViharS-16, Maitree Vihar, 1st Floor, Phase-II, Bhubaneswar-751023UCBA00018397510280080674-2303642
KhurdaBalianta, At P.O.-Balakati, Khurda, BhubaneswarUCBA00010987520285080674-2464067
Bidyut MargShikshya Soudh(Opepa) Unit-V, KhurdaUCBA00020747510280090674-2392222
Service BranchService Branch, BhubaneswarUCBA00021127510280010674-2393565
BanamalipurAt P.O.-Banamalipur District- Khurda, BhubaneswarUCBA00008477510285030674-2468322
Asset ManagementUCO Bank Building, 3rd Floor, C-2 Ashok Nagar, Bhubaneswar-751009UCBA0002392751028999
KhandagiriPlot No-353/2324 Kolathia Square Nh-5 Po-Khandagiri, BhubaneswarUCBA0002542751028011
Chandrashekharpur Plot No-262 District Centre Chandrashekharpur BhubaneswarUCBA0002543751028012
Ananta ViharPlot No 100A, Ananta Vihar, Phase 2, BhubaneswarUCBA0003150
AIIMS SijuaNH-5, At P.O. Patrapadadist Khordha, Odisha, 751019UCBA0003184
RasulgarhPlot No 318 By 1294, G G P Colony, Unit 37, Ps Mancheswar, BhubaneswarUCBA0003260
Jamukoli Plot No- 691/784, Vill Jamukoli Po- Panchagaon, Bhubaneswar, Dist- KhurdaUCBA0003312

Products Offered by UCO Bank in Bhubaneswar 

UCO Bank comes with a plethora of products to suit your tastes. As far as loans go about, it has plenty to offer to the residents of Bhubaneswar. Any emergency need arises, there is a personal loan to avail. When you feel the need to buy a home, the bank provides a home loan to fulfill the purposes. You can be at your dream 4-wheeler by availing a suitable car loan from the bank. Entrepreneurs can obtain trade finance to run their businesses smoothly. But to apply for the products, you may require to figure out the details, right! So, a table below is ready to help you in that regard. 

Basic Details of Loans from UCO Bank in Bhubaneswar 

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 value8.85% - 10.40%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 lakhs12.80%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
7.25% Onwards1% 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 You Need to Obtain Loans from UCO Bank in Bhubaneswar

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 value8.85% - 10.40%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 lakhs12.80%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
7.25% Onwards1% 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

Personal Loan Interest Rates March 2024
HDFC Bank10.75% - 14.50%
ICICI Bank10.75% - 19.00%
IndusInd Bank10.25% - 26.00%
Kotak Bank10.99%
RBL14.00% - 23.00%
SMFG India Credit12.00% - 24.00%
Standard Chartered Bank11.49%
Tata Capital10.50% - 24.00%
Home Loan Interest Rates March 2024
Axis Bank8.75% - 9.15%
Bank of Baroda8.50% - 10.60%
Citibank8.75% - 9.15%
HDFC8.50% - 9.40%
ICICI Bank9.00% - 9.85%
Indiabulls Housing Finance Limited8.65%
Kotak Bank8.70%
LIC Housing8.50% - 10.50%
Piramal Capital & Housing Finance10.50%
PNB Housing Finance8.50% - 10.95%
Reliance Home Finance8.75% - 14.00%
State Bank of India/SBI9.10% - 9.65%
Tata Capital8.95% - 12.00%