About UCO Bank
UCO Bank, a public lender, with over 3,000 branches and 2,500 ATMs is an interesting bank to detail on. What do you think, folks? Digging into the history and the name that appears is Ghanshyam Das Birla, an industrialist, a visionary or an out-of-the-box thinker, whatever you would like to call him. Little did his fellow members of Quit India Movement, 1942 were aware that he being their co-member would end up do something that will etch in the memory for years. What he did was to conceive a ‘Bank’ idea. He was so busy in his thoughts to set up a bank in India. A year later to the movement, he finally launched the bank in 1943. Quite spectacular, isn’t it? The bank was given birth in that year with a head office in Kolkata, the capital of West Bengal. Now Kolkata has the bank’s headquarters.
In a thrilling ride that has spanned over 70 years, the bank has managed to differentiate itself from the rest by providing a wide suite of products, which have enriched the lives of people across India. At the moment, where the bank holds better is the enormous expertise that comes with its board of director members. Most of them have been officiating as representatives from Government of India and Reserve Bank of India (RBI). Many have expertise in the areas of business, economy, and finance. These competent professionals come up with innovative ideas to not only combat the competition better but also make sure the customers are a happy lot.
While doing so, the bank has now become much more prominent in retail banking, corporate banking, NRI banking, MSME banking, rural banking and others. Customers belonging to these banking verticals are living their dreams buoyed by a strong pipeline of custom products.
Kolkata, the city of Rasogula, which the people here famously call, not only has its headquarters here but well in excess of 100 branches. The city of Kolkata is special to UCO Bank. So, if you are in Kolkata, you can have a wider lot to choose from as UCO Bank has a plenty of branches here.
UCO Bank Kolkata Branches
| Branch Name | Complete Address | IFSC | MICR | Contact Detail |
|---|---|---|---|---|
| India Exchange Place | India Exchange Place, Calcutta- 700001, West Bengal | UCBA0000002 | 700028015 | 033-22303383 |
| Burra Bazar | 1, Sambhu Mullick Lane, Kolkata, West Bengal | UCBA0000014 | 700028009 | 033-22387879 |
| College Street | 63, College Street, Kolkata-700073, West Bengal | UCBA0000023 | 700028016 | 033-22413400 |
| Bhowanipore | 10, Priyo Nath Mullick Road, Kolkata-700025, West Bengal | UCBA0000031 | 700028025 | 033-24751579 |
| Lindsay Street | 3 And 4, Lindsay Street, New Market, Kolkata- 700016, West Bengal | UCBA0000069 | 700028002 | 033-22499484 |
| Ballygunge | 15 By 1A Gariahat Road, Kolkata, West Bengal | UCBA0000095 | 700028026 | 033-24407314 |
| Dharamtala Street | 45, Lenin Sarani, Kolkata- 700013, West Bengal | UCBA0000149 | 700028012 | 033-22441066 |
| Dum Dum | 458 A And B Jessore Road, Nagar Bazar, Dumdum, Kolkata, West Bengal | UCBA0000163 | 700028091 | 033-25296967 |
| Jadavpur | 23, Raja S C Mullick Road, Kolkata- 700032, West Bengal | UCBA0000164 | 700028056 | 033-24125445 |
| Park Circus | P-64 Dr. Sundri Mohan Avenue, Park Circus, Kolkata-700014 West Bengal | UCBA0000178 | 700028073 | 033-22447021 |
| New Alipore | 70 A Block D, New Alipore, Kolkata – 700053, West Bengal | UCBA0000179 | 700028071 | 033-24787129 |
| Brabourne Road | 10 B T M Sarani Brabourne Road, Kolkata –700001, West Bengal | UCBA0000190 | 700028007 | 033-22254120 |
| Rafi Ahmed Kidwai Road | 54/2, R.A. Kidwai Road, Kolkata- 700016, West Bengal | UCBA0000218 | 700028004 | 033-22297931 |
| Strand Road | 40, Strand Road Kolkata- 700001, West Bengal | UCBA0000241 | 700028005 | 3322432138 |
| Bagh Bazar | 532, Rabindra Sarani, Kolkata- 700003 | UCBA0000256 | 700028028 | 033-25540237 |
| Netaji Subhash Chandra Bose Road | 235 By 3 Netaji Subhash Chandra Bose Road, Kolkata-700047 | UCBA0000257 | 700028029 | 033-24710185 |
| Hastings | 2 Munshi Premchand Sarani, Hastings, Kolkata West Bengal-700022 | UCBA0000277 | 700028051 | 033-22230894 |
| Lala Lajpat Rai Sarani | Lala Lajpat Rai Sarani Elgin Road, Kolkata- 700020, West Bengal | UCBA0000286 | 700028006 | 033-22446354 |
| Hazra Road | 91 By 1 Hazra Road, Kolkata- 700026, West Bengal | UCBA0000582 | 700028052 | 033-24753806 |
| Diamond Harbour Road | 197 By 722, Diamond Harbour Road, Po Thakurpukur, District 24- Paraganas 700063, West Bengal | UCBA0000661 | 700028086 | 033-24976197 |
Products Offered by UCO Bank in Kolkata
A slew of products from loans to deposits is present at UCO Bank for you to receive in Kolkata. From a home loan to car loan and from the savings account to fixed deposit, the UCO Bank branches of Kolkata are welcoming you with open arms. You can get a brief of the products below to make your mind on starting your banking relationship with UCO Bank in Kolkata.
Basic Details of UCO Bank in Kolkata
| 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 Required to Avail Loans from UCO Bank in Kolkata
| 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 |
