UCO Bank Guwahati

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About UCO Bank 

From a time of the establishment year, 1943 to now with over 3,000 branches and 2,500 ATMs, UCO Bank's journey has been nothing short of a thrilling ride that has spanned across 7 decades.  In all these years, it has found its way in a space wherein a large number of players are jostling against each other to gain the confidence of the customers. 

The start was unique in its way as Ghanshyam Das Birla, a noted industrialist, conceived an idea to set up the bank while being a member of Quit India Movement, 1942. He unearthed the bank a year later in 1943 with the head offices in Kolkata, the state of West Bengal. Previously, the bank's name was United Commerical Bank. 

A fair share of credit for the success of the bank should go to the competency of the officers. The bank's board of directors list is full of eminent professionals who have either been in the office of Government of India and Reserve Bank of India (RBI). These professionals have been pivotal in reshaping the dreams of people by designing a wide suite of products catering to different needs and tastes. 

The bank is a renowned when it comes to assisting retail, corporate, international, MSME and rural segments. For each segment, there are distinct products rightly designed to meet the needs of target customers. 

Guwahati, the capital of Assam, also has the branch services of UCO Bank. Around 10-20 branches are located in the city. You can know UCO Bank branches in Guwahati by glancing at the table below. 

UCO Bank Guwahati Branches 

Branch NameComplete AddressIFSCMICRContact Detail
Guwahati MainFancy Bazar, Distt. Kamrup, Guwahati Assam-781001UCBA00000457810280020361-2540515
SilpukhuriSilpukhuri Branch, Silpukhuri, GuwahatiUCBA00005337810280050361-2660518
DispurDispur Branch, Dr.R.P.Road, Guwahati, Assam-781006UCBA00005727810280040361-2261365
RehabariP.O. Rehabari, District. Kamrup, Guwahati Assam-781008UCBA00007097810280030361-2540517
Rajgarh RoadRajgarh Road, Bhangagarh, District-KamrupUCBA00016697810280060361-2460144
AmingaonAdabari Tenali, GuwahatiUCBA00017227810280090361-2573038
Service BranchHB Road, Fancy Bazar, Guwahati-781001UCBA00021227810280010361-2735430
Paltan BazarSushil Das Bhavan Paltan Bazar -GuwahatiUCBA00019257810280100361-2731792
Down Town HospitalDown Town Hospital, GuwahatiUCBA00019947810280110361-2337279
SonapurP.O. Sonapur GuwahatiUCBA00005007810285030361-2786287
MaligaonMaligaon Charali, Maligaon-GuwahatiUCBA00001407810280070361-2570597
BhetaparaBhetapara Chariali, P.O Beltola, GuwahatiUCBA0002472781028013
LakharaLakhara Branch, GuwahatiUCBA0003039
BarshaparaBarshapara Branch, House Of Sitanath Kar, Anu 14 Barshapara Main Road, Barsapar, P.O. BinovaUCBA0003040
BasisthaBorah Communication. Complex, Opposite Housing Bus Stop, Guwahati-781028UCBA0003037

Products Offered by UCO Bank in Guwahati

Come to the ship of UCO Bank and get showered with a plenty of financial products that can fulfill your dreams. Be it the case of a home loan or a car loan, UCO Bank is with you at each step of your financial lifecycle to make it lively and interesting. With a view to help you choose the right offer, look at the table below.  

Basic Details of UCO Bank Loans in Guwahati

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 value

8.75% - 8.90%

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 lakhs

11.35% - 12.75%

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

8.75% - 9.00%

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 Needed to Avail UCO Bank Loans in Guwahati

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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