UCO Bank Kolkata

Banks 85 views

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 NameComplete AddressIFSCMICRContact Detail
India Exchange PlaceIndia Exchange Place, Calcutta- 700001, West BengalUCBA0000002700028015033-22303383
Burra Bazar1, Sambhu Mullick Lane, Kolkata, West BengalUCBA0000014700028009033-22387879
College Street63, College Street, Kolkata-700073, West BengalUCBA0000023700028016033-22413400
Bhowanipore10, Priyo Nath Mullick Road, Kolkata-700025, West BengalUCBA0000031700028025033-24751579
Lindsay Street3 And 4, Lindsay Street, New Market, Kolkata- 700016, West BengalUCBA0000069700028002033-22499484
Ballygunge15 By 1A Gariahat Road, Kolkata, West BengalUCBA0000095700028026033-24407314
Dharamtala Street45, Lenin Sarani, Kolkata- 700013, West BengalUCBA0000149700028012033-22441066
Dum Dum458 A And B Jessore Road, Nagar Bazar, Dumdum, Kolkata, West BengalUCBA0000163700028091033-25296967
Jadavpur23, Raja S C Mullick Road, Kolkata- 700032, West Bengal UCBA0000164700028056033-24125445
Park CircusP-64 Dr. Sundri Mohan Avenue, Park Circus, Kolkata-700014 West BengalUCBA0000178700028073033-22447021
New Alipore70 A Block D, New Alipore, Kolkata – 700053, West BengalUCBA0000179700028071033-24787129
Brabourne Road10 B T M Sarani Brabourne Road, Kolkata –700001, West BengalUCBA0000190700028007033-22254120
Rafi Ahmed Kidwai Road54/2, R.A. Kidwai Road, Kolkata- 700016, West BengalUCBA0000218700028004033-22297931
Strand Road40, Strand Road Kolkata- 700001, West BengalUCBA00002417000280053322432138
Bagh Bazar532, Rabindra Sarani, Kolkata- 700003UCBA0000256700028028033-25540237
Netaji Subhash Chandra Bose Road235 By 3 Netaji Subhash Chandra Bose Road, Kolkata-700047UCBA0000257700028029033-24710185
Hastings2 Munshi Premchand Sarani, Hastings, Kolkata West Bengal-700022UCBA0000277700028051033-22230894
Lala Lajpat Rai SaraniLala Lajpat Rai Sarani Elgin Road, Kolkata- 700020, West Bengal UCBA0000286700028006033-22446354
Hazra Road91 By 1 Hazra Road, Kolkata- 700026, West Bengal UCBA0000582700028052033-24753806
Diamond Harbour Road197 By 722, Diamond Harbour Road, Po Thakurpukur, District 24- Paraganas 700063, West Bengal UCBA0000661700028086033-24976197

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 

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 value8.45% - 8.70%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 lakhs9.60% - 12.60%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 Kolkata

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

 

You May Also Read