UCO Bank Gurugram
Last Updated : Jan. 12, 2019, 10:35 a.m.
About UCO Bank
UCO Bank’s foundation will keep you intrigued throughout. The great thing about its establishment is the time. The agitation against the British administration was at its peak in the pre-independence era. The Quit India Movement, 1942 was on and a member called Ghanshyam Das Birla, who was also an eminent industrialist, started focusing on establishing a bank in India. The bank got a home in Kolkata, previously called as Calcutta. The head offices of the bank were in Kolkata. Now the city has the bank’s headquarters. The bank has about 42 head offices across the country to check the flow of work being carried out at the branches.
Also great is the acumen of officers in the bank’s board of directors, which mostly consist of people who have worked with the Government of India and Reserve Bank of India. Also, professionals like top chartered accountants, economists, and business experts are the part of the bank’s core team. What these people do well is to get an idea of the market need quickly and pass on their knowledge to create a robust banking system that can transform the lives of people.
The ability to bring necessary changes in the product offerings lies deep in the bank’s value chain. The changes bring an interesting look to the products and get sold out to the customers easily. The uncanny knack of adapting to new trends has made the bank a popular face in corporate banking, personal banking, rural banking, MSME banking, NRI banking, etc.
As far as the presence of the bank is concerned, it has over 3,000 branches and 2,500 ATMs across the country. Even it has gone overseas with branches in both Hong Kong and Singapore, the renowned financial centres of the world.
The cyber city Gurgaon also houses the branches of UCO Bank. The bank has about 7-10 branches in the city to bank with. If you are a Gurgaon resident and want UCO Bank to be your banking partner, below are the branches that you can look upon.
UCO Bank Gurugram Branches
| Branch Name | Complete Address | IFSC | MICR | Contact Detail |
|---|---|---|---|---|
| Civil Lines | 286/1, Civil Lines, Delhi Alwar Road, Gurugram, Haryana-122001 | UCBA0001044 | 110028045 | 0124-2320787 |
| Greenwood City | Property No.104, Greenwood Plaza, B - Block, Greenwood City, Gurugram | UCBA0001910 | 110028054 | 0124-2381206 |
| Sohna | Bye Pass Ward No. 5, Delhi Alwar Main Road Sohna Dist Gurugram, Haryana | UCBA0002531 | 110028075 | |
| Manesar | Amarapali Corporate Hub J- Block, Sector-2, Haryana | UCBA0002902 | ||
| Sohana Tauru Road | Ward No 2, Vijay Nagarnh-71B, Sohana Tauru Road, Gurugram | UCBA0003233 | ||
| Pataudi | Pataudi Ward No.13, Hailey Mandi Road Main Rohtak Hodal Road, Pataudi Haryana-122503 | UCBA0002428 | 110028074 | 0124-2670080 |
Products Offered by UCO Bank in Gurugram
A wide suite of loans is available at UCO Bank for you to avail of. Home seekers can take advantage of attractive home loan offers, while prospective car buyers have an exciting car loan offer ready for them. So, whatever you needs may be, UCO Bank is ready to provide you the product catering to those in a exemplified manner. A detail of the products would be what you require before choosing an option, right. So, a table is right below to guide you towards the right decision.
Basic Details of Loans from UCO Bank in Gurugram
| 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 |
Documents You Need to Submit to Access Loans in Gurugram
| Products | Salaried | Self-employed |
|---|---|---|
| UCO 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 |
| UCO 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 | |
| UCO 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 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 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 |