UCO Bank Jaipur

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About UCO Bank 

Such are the products, operational excellency, and the penchant to serve the customers that have helped UCO Bank stay afloat despite intense competition at its disposal. Also interesting are the circumstances under which the bank was established. Not many would know about Ghanshyam Das Birla, a famous industrialist of the pre-independence era, who founded the bank. He was occupied with the thought of giving birth to a bank while being a member of Quit India Movement, 1942. Strange, na! A member of such a historic movement and to still think of doing things out of the ordinary must have a lot to do with his urge to serve the society with the banking services. All these thoughts materialized as he founded the bank a year later in 1943. Initially, the name of the bank was United Commercial Bank. But later on, it got changed to UCO Bank. To start with, there were few head offices in Kolkata, where its headquarters are now. 

Over the years, the bank has reinvented itself to develop a large number of products that not only fulfill the present but also the future aspirations. Almost every category of customers is availing the services of UCO Bank, whether it is a retail or a corporate client. A lot of credit must go to the way it has worked upon to customize the products according to the taste of its clients. A good number of top-level officers holds the expertise of working at the offices of Government of India and the Reserve Bank of India (RBI). This allows the bank to constantly redesign its products to acquire new and retain the existing client base. 

Talking of the operational presence of the bank, you would know that it has branches well spread out with more than 3,000 branches and 2,500 ATMs across the country. Around 42 head offices are set up across different locations to monitor the operational work of the branches. 

For people in Jaipur, UCO Bank has established around 50 branches to bank with. So if you are in the need of a banking service, come to UCO Bank branches in the city. Wanna have a look at the branches? A table is right below stating the address, IFSC, MICR and contact detail of the branches in Jaipur. 

UCO Bank Jaipur Branches 

Branch NameComplete AddressIFSCMICRContact Detail
Amer RoadHotel Holiday Inn, Amer Road, Jaipur-302002UCBA00020443020280200141-2671170
Mansarovar55/242, Rajat Path, Mansarovar, Jaipur-302020UCBA00020963020280230141-2783012
JagatpuraJagatpura Branch, Vivek Vihar, JaipurUCBA00020883020280210141-2757033
Agra RoadAgra Road Jaipur UCBA00002093020280100141-2615709
New Grain MandiNew Grain Mandi Branch, JaipurUCBA00011443020280070141-2641602
Mid Corporate28-A, Sjs Highway Banipark, JaipurUCBA00021053020280240141-2207547
Sirsi Road14-A, Marudhar, Vihar, Sirsi Road, Khatipura, JaipurUCBA00021563020280250141-2350630
Sawai Madhopur25-Mahaveer Pratap Clny Mega Highway Road, JaipurUCBA0002158322028002
JhotwaraGanesham Tower, D - 2& 3, Sanjay Nagar, Jhotwara, JaipurUCBA0002258302028028
Mahesh NagarA-248, 80 Feet Road, Mahesh Nagar, JaipurUCBA0002259302028027
SitapuraSitapura G-87 Sitapura Industrial Area, JaipurUCBA0002393302028029
Tonk RoadHead Office, Kisan Bhawan, Lal Kothi, Tonk Road, JaipurUCBA0RRBJTG0141-2740305
MorijaVillage Morija PO Govindgarh Dist Jaipur- 303805UCBA00026113030288059351335797
DevanVillage And PO Devan Tehsil Shahpura District-Jaipur-303103UCBA00027193030281039413965950
Johari BazarJohari Bazar, Zone II, Jaipur-302003UCBA00000113020280020141-2567140
Chandpole BazarChandpole Bazar, Jaipur- 302001UCBA00001323020280040141-2322011
M.I.RoadArvind Marg, Hotel Imperial, Mirza Ismile Road, Jaipur- 302001UCBA00001593020280030141-2360475
Bani ParkBani Park Branch 28A, Bani Park, Jaipur - 302016 , RajasthanUCBA00003763020280050141-2205055
Tonk Road17 Mangal Marg, Bapu Nagar, Tonk Road, JaipurUCBA00007933020280060141-2707600

Products Offered by UCO Bank in Jaipur 

Want to know the products you can expect to get at UCO Bank in Jaipur? Well, the products are a lot. But their applicability depends upon your financial goals. If your goal is to buy a home, a home loan offer is right there to grab it. Similarly, the travel freaks can take home a personal loan to fulfill their expedition drive. A complete expalanation of the products is shown in the table below. Take a look at that. 

Basic Details of UCO Bank in Jaipur

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 Required to Avail Loans from UCO Bank in Jaipur

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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