UCO Bank Lucknow

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About UCO Bank

There was freedom struggle going on against the Britishers at one place. On the other hand, a businessman, namely Ghanshyam Das Birla was thinking long and hard to set up a bank in India. Even more interesting is the fact that the idea came during the Quit India Movement in 1942, a battle which he was the part of. Finally, a year later in 1943, his dream came true with United Commercial Bank, the previous name of the present UCO Bank. The operation started with a head office in Kolkata.

From the time of inception to now, the bank has moved up the ladder gradually by developing products that have inspired people to dream beyond their realms. It’s the core ideology of the bank and its competent personnel that have helped it sail through. The bank is blessed to have people showing their work in the offices of Government of India and Reserve Bank of India. Also, many have come from strong backgrounds-business, finance and economy to let the bank achieve higher growth avenues as the time went along.

The focus of the bank has always been to develop unique products. And it is this urge that has helped it become a preferred banker for several customers belonging to corporate, MSME, retail, NRI and other verticals.

Even the operational presence has widened since the inception of the bank. From a head office in Kolkata to operating in excess of 3,000 branches and 2,500 ATMs speaks volumes about the rapidly expanding reach of the bank. Be it the top-tier cities or small towns, UCO Bank has spread its wings everywhere.

The city of Nawab Lucknow is also touched upon by UCO Bank, which has around 20-30 branches there. A Lucknow resident? Want to find the locations of the branches in the city? Stay glued to the table below.

UCO Bank Lucknow Branches

Branch NameComplete AddressIFSC MICRContact Detail
Hazratganj46, Hazratganj Lucknow, Uttar PradeshUCBA00000462260280020522-2222641
AminabadAminabad Branch, Opposite Aminaudaulla Park, Lucknow, Uttar PradeshUCBA00000502260280030522-2624710
Lucknow UniversityGate No 1, Lucknow University, Lucknow, Uttar PradeshUCBA00000602260280090522-2740154
ChinhatChinhat Bazar, Shatrikh Road, Lucknow– 227105, Uttar PradeshUCBA00005142260280060522-2815864
Nirala Nagar9A, Nirala Nagar, Lucknow, Uttar PradeshUCBA00007522260280080522-2786807
BehsaHind Nagar, Near Old Octaroi, Lucknow, Uttar PradeshUCBA00011542260280050522-2436358
Ashok Marg6 Nawal Kishore Road, Lucknow – 226001, Uttar PradeshUCBA00014202260280040522-2275440
Service BranchService Branch, Jhandewalan Park, Aminabad, Lucknow, Uttar PradeshUCBA0001841226028001
AliganjAliganj Shopping Complex, Sector B, Aliganj, Lucknow, Uttar PradeshUCBA00018432260280110522-2327147
Jal SansthanJal Sansthan, Aish Bagh, Lucknow- 226004, Uttar PradeshUCBA0001849226028012
Lal BaghJ.C.Bose Marg, Lal Bagh, Lucknow-226001, Uttar PradeshUCBA00018732260280180522-2629276
Gomti Nagar1/8A, Viswas Khand Lucknow, Uttar PradeshUCBA00016542260280070522-2309780
Krishna NagarKanpur Road, Krishna Nagar Lucknow, Uttar PradeshUCBA00020102260280210522-2436641
Lucknow University 2Nd CampusLucknow University 2Nd Campus, Uttar PradeshUCBA00020262260280250522-2363514

Products Offered by UCO Bank in Lucknow

UCO Bank empowers the financial journey of people staying in Lucknow with a variety of loans and deposits. When it comes to loans, you can select from a personal loan, car loan, home loan, etc. Entrepreneurs can find trader loan extremely appealing. You can even mortgage your property and get a loan from UCO Bank in Lucknow. So, you have a wider pool of products to choose from. Get into the details below before applying for the loan.

Basic Loan Details of UCO Bank Lucknow

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 for UCO Bank Loans in Lucknow

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