UCO Bank Ghaziabad

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About UCO Bank 

Over 70 years ago, a renowned businessman namely Ghanshyam Das Birla thought of setting up a bank in India. But many may not know he was planning to do while being a member of Quit India Movement 1942, which was gaining steam across the country. A year later, he finally managed to set up a bank named United Commercial Bank with its head offices in Kolkata, West Bengal. Later on, the name of the bank changed to UCO Bank. Years went by and the bank was doing well in its business. In the year 1969, the Government of India took note of the bank and acquired it. Since then, it has been unlocking the growth avenues for itself by introducing unique products that deliver what the customers expect from them. 

The deliverance has a lot to do with the competent officials of the bank who largely hail from the offices of the Government of India and Reserve Bank of India. Even professionals like chartered accountants, business experts and economists are working at the bank. These people actually form the members of the bank's board of directors. 

The bank has touched upon every set of customers hailing from the corporate arena to an NRI or from a retail customer to small entrepreneurs. Customizing products for all these customers has been a real force for UCO Bank over the years.  

The bank has an enormous presence in India with a network of more than 3,000 branches and 2,500 ATMs. About 42 zonal offices have been established across several regions of the country to ensure the smooth operation of the banks. The bank maintains an overseas presence with branches in Hong Kong and Singapore, the key financial centres worldwide. 

Your own city Ghaziabad also boast of the bank's presence. The bank has around 10 branches in the city of Ghaziabad. So, if you are in search of the branches in Ghaziabad, you can refer to the table below. 

UCO Bank Ghaziabad Branches

Branch NameComplete AddressIFSCMICRContact Detail
GT Road22 Vivek Vihar, Choudhary More, Gt Road, Ghaziabad, District. GhaziabadUCBA00008501100280460120-2863746
SimbhaoliSimbhaoli, GhaziabadUCBA000026124502850105731-223031
VasundharaPlot No.2152 Sector 16A Vasundhara Dist GhaziabadUCBA0002868201028012
Raj Nagar ExtensionHouse No. 379, Khasra No. 1017 Rajnagar(Extension)UCBA00029031100280830120-2341627
IndirapuramSBN Cosmos CS-4 Gyan Khand -2 Indirapuram, GhaziabadUCBA0002900
AtoreHouse No.74 Village Atore, Dist GhaziabadUCBA0003133

Products Offered by UCO Bank in Ghaziabad

You can get expect to receive a plethora of products at UCO Bank in Ghaziabad branches. These include car loan, home loan, personal loan, trader loan and much more. A detail of the products which you would want before applying any of them. So, a table below will serve your purpose.

Basic Details of Loans from UCO Bank in Ghaziabad

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 value8.55% - 8.80%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 lakhs9.70% - 12.70%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 for UCO Bank Loans in Ghaziabad

ProductsSalariedSelf-employed
UCO 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
UCO 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
UCO 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

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 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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