Top Banks 2024
United Bank of India Gurugram
Last Updated : Feb. 10, 2017, 9:52 a.m.
About United Bank of India
There are some banks which have left a solid impression in the minds of the people of India. One of them is United bank of India. The bank which was incorporated in the year 1959 due to the unification of four banks, has been working day in and day out to fulfill every financial requirement of the people. It received the name ‘United Bank of India’ because it was formed due to the merger of Comilla Union Bank Ltd., Comilla Banking Corporation Ltd., Bengal Central Bank Ltd.and Hooghly Bank Ltd. The bank got nationalised along with 13 other banks on July 19, 1969. The main head office of the bank is established in Kolkata, West Bengal. The bank has to be credited for its remarkable contribution to expanding the banking services to different parts of the country, especially our eastern and north-eastern belt. It is the Convener for the two states of Tripura and West Bengal in the State Level Bankers’ Committees (SLBC).
United Bank of India is on the path to achieving excellence in all levels of customer satisfaction. To keep the customer happy has been the major driving force of the bank. It has won several awards for performing reasonably well. Awards have come in the form of National award for second best performance in small unit industries financing and Golden Jubilee award for its noteworthy contribution in the field of village and Khadi industry. Gurugram is a prime city of Haryana part of the Delhi NCR belt. United Bank of India has opened up more than 10 branches to focus on the financial aspect of the city.
Address of United Bank of India Gurugram branches
| Branch | Address | IFSC | MICR | Contact details |
|---|---|---|---|---|
| Dayanand Colony | 548/1, Dayanand Colony, New Railway Road, Gurugram - 122001 Haryana | UBIN0538884 | 110026048 | 0124 - 2320401 / 2327486 |
| Chakkarpur Road | SCO - 19, Housing Board Colony, Saraswati Vihar, Chakkarpur Road, Gurugram, Haryana, Pin - 122001 | UBIN0550981 | 110026054 | 0124 - 2565792 / 2350883 |
| Jharsa Road | House No.1546, Sector 31 - 32, Housing Board Co Jharsa Road, Dist.Gurugram, Haryana, Pin - 122001 | UBIN0550990 | 110026066 | 0124 - 2381353 / 2380353 |
| SSI Finance Branch | Sco. 14, Huda Commercial Complex, Sector - 14, Gurugram, Haryana, Pin - 122001 | UBIN0551058 | 110026053 | 0124 - 2334714 / 2307061 |
| Manesar | At Village Post, Manesar, District Gurugram Haryana | UBIN0552224 | 110026074 | 0124 - 2337310 / 2337608 |
| Sushant Lok | Bestech Central Square Mall, G-6, A, Ground Floor, Bestech Central Square Mall, Sector 56, Near Hong Kong Bazaar, Sushant Lok, Gurugram, Haryana 535087 | UBIN0557927 | 110026093 | 0124 - 2572951 |
| Sector 52 Gurugram | Ground Floor, Mata Chowk, Manohara Marg, Wazirabad, Sector 52, Gurugram, Haryana 122003 | UBIN0559890 | 110026097 | 9891385245 |
| Sector 23 Gurugram | SCO-34, Huda Market,Sector-23, Gurugram, Haryana 122017 | UBIN0563323 | 110026108 | 0124 236 5155 |
| Sohna | Sohna - Gurugram Road, Ward Number 15, Sohna, Haryana 122103 | UBIN0563790 | 110026109 | 098125 16141 |
| Sector 27 Gurugram | Sector-27, Gr.Floor, Near Prabhat Hotel, Golf Course Road,Gurugram, Haryana 122002 | UBIN0564265 | 110026115 | 9891385245 |
| Patuadi | H.N0.Plot No-1, Ward-6 Haili Mandi Road City - Gurugram Distt.Gurugram Pin-122504 Haryana | UBIN0565083 | Non-MICR | 9810556909 |
| Sector 4 Gurugram | SCF 19, Sector 4, Huda Market Gurugram Pincode-122001 | UBIN0569496 | 110026133 | 9999086141 |
| Sector 10 A | SCO-93, Huda Market, Sec-10A, Gurugram, Haryana 122001 | UBIN0572934 | Non-MICR | 0124 236 5155 |
| Sector 30 Gurugram | 30, Delhi - Jaipur Expy, Block A, Sector 30, Gurugram, Haryana 122003 | UBIN0572951 | Non-MICR | 9953919909 |
Products offered by United Bank of India
United Bank of India is a financial lender for everyone. One can obtain loans to meet his housing, education, gold, personal and vehicle needs. Applicants can even take a loan against their property as well open a fixed deposit account with the bank and secure maximum returns. For more information check out the tables given below-
Basic details of United Bank of India loans in Gurugram
| Product | Eligibility | Loan amount | Interest rate | Processing fee | Tenure |
|---|---|---|---|---|---|
| Home loan | Applicants should be above the age of 21 and should have a regular source of income. 70 is the age when the loan needs to be fully repaid. Salaried employee need to be in permanent and regular service. Professional and self-employed individuals should be employed in their current trade or profession for a minimum of two years. Self-employed and businesses need to have at Income Tax returns of at least two years. | Metro- Up to ₹ 3 crores Urban- Up to ₹ 75 Lakhs Semi-urban- up to ₹ 45 Lakhs Rural- up to ₹ 25 Lakhs | 8.60% - 9.95% | NIL | 30 years |
| Personal loan | You need to be a salaried individual with a regular income and permanent service. You need to employed with the current company for at least two years | Up to ₹ 2 lakhs or 10 months gross salary | 11.40% - 16.95% | 1% of the loan amount availed | 36 months i.e. 3 years |
| Car loan | For salaried individual: The applicant should take home a minimum of Rs 25,000 after meeting all monthly commitments. This also includes the proposed EMI. For salaried individuals having pensionary income, the repayment age can be extended till 70 years. For self-employed professional and businessman: The maximum age can be 65 years although the loan needs to be fully repaid by the time the applicant completes 70 years. | Up to ₹ 30 Lakhs | 6.50% Onwards | 0.50% of the loan amount sanctioned. It can be a minimum of Rs. 500 and a maximum of Rs. 10,000 | Up to 84 months i.e. 7 years for a new car Up to 60 months i.e. 5 years for an old car |
| Fixed deposits | People who can open a fixed deposit with the bank- An individual Hindu United Family Associations/Clubs Joint Stock companies Firms Sole Proprietary concerns Guardians for minor children | 2.90% - 5.75% | NIL | 15 days to 120 months i.e. 10 years | |
| United Mortgage loan (Loan against property) | Anybody, whether a self-employed professional or a pensioner or a salaried individual can apply for a loan. The applicant should fall in the age bracket of 21 to 65 years. The applicant should have a property which he/she can mortgage. He/she must earn sufficient enough to repay the loan. Proprietors, partnership firms and companies can apply too. | Metro- ₹ 5 crores Urban- ₹ 3 crores Semi-urban- ₹ 1 crore Rural- ₹ 50 Lakhs | 10.70% | 1% of the sanctioned amount plus service taxes if applicable | 7 years |
| United Trade credit (Business loan) | Existing trader/service provider/business person can apply for a loan. You need to earn profit for at least two years. People engaged in business/service/trade with any other activity like manufacturing, construction, exports, agriculture, etc can also apply | Maximum- ₹ 50 Lakhs | 13.35% | 60 months i.e. 5 years | |
| Education loan | The applicant should be an Indian national who wants to pursue admission to any professional or technical course in India or abroad through merit or entrance test | For studying in India- ₹ 10 Lakhs For studying in abroad- ₹ 20 Lakhs | Up to ₹ 7.5 Lakhs- 11% Above ₹ 7.5 Lakhs- 10.95% | 15 years | |
| Gold Loan | Individuals, Proprietorship / Partnership firms, Joint Borrowers with KYC compliance can apply The applicant should have one SB/CD account with the Bank. Professional who are engaged in gold trading can’t apply for a gold loan. The applicant should have attained a minimum age of 21 years. The maximum age goes up to 70 years i.e. 70 is the age when the loan matures The applicant must earn a steady flow of income | Minimum amount- ₹ 25,000 Maximum amount- ₹ 10 Lakhs | Term Loan- 9.85% Overdraft- 9.85% | NIL | Term Loan- 12 months Overdraft- 12 months |
Documents required
The documents needed for availing a loan from United Bank of India Gurugram have been mentioned below-
| Product | Documents |
|---|---|
| Home loan | Photographs of passport size of the applicant Completely filled application form Proof Of Identity- Aadhar card/Passport/PAN Card/Voter ID Card/Driving License Proof of Residence-Aadhar Card/Passport/Voter ID Card/Lease agreement/Telephone bill/Ration card/Electricity bill Proof of Age- Birth Certificate/ SSLC or AISSE Certificate/Passport/Driving License Proof of Income- Salaried individuals: Salary slip of three months /Latest salary certificate, IT returns of the past two years or Form 16 Bank statement of the past six months. Self-employed- Bank account statements of the past 12 months proof of existence of business and its profile Income Tax returns of the previous two years along with Balance Sheet/ Profit & Loss account Property documents- Agreement for Sale & construction, Letter of Allotment, Tripartite Agreement which has to be given before disbursal of loan, Certificate of possession, Detailed cost of construction and Land tax receipt. |
| Personal loan | Completely filled and duly signed application form Proof Of Identity- Aadhar card/Passport/PAN Card/Voter ID Card/Driving License Proof of Residence-Aadhar Card/Passport/Voter ID Card/Lease agreement/Telephone bill/Ration card/Electricity bill A copy of PAN card is mandatory Applicant’s latest photo of passport size ( two copies) Income Documents- Salary slip of three months /Latest salary certificate, IT returns of the past two years or Form 16 and bank statement of the past six months |
| Car loan | Completely filled application form Proof Of Identity- Aadhar card/Passport/PAN Card/Voter ID Card/Driving License Proof of Residence-Aadhar Card/Passport/Voter ID Card/Lease agreement/Telephone bill/Ration card/Electricity bill Proof of Age- Birth Certificate/ SSLC or AISSE Certificate/Passport/Driving License Proof of Income- Salaried individuals: Salary slip of three months /Latest salary certificate, IT returns of the past two years or Form 16 Bank statement of the past six months. Self-employed- Bank account statements of the past 12 months proof of existence of business and its profile Income Tax returns of the previous two years along with Balance Sheet/ Profit & Loss account |
| Fixed deposit | A coloured photograph Passport/ Driving License Last six months bank account details Documents required from the trust, association/ clubs Photographs of the member operating the account. A Copy of the Trust Deed/ Bye- laws of the association. A Copy of registration certificate. A Copy of the resolution of trustee authorizing the member to operate and open the accounts |
| Loan against property | Completely filled application form Proof Of Identity- Aadhar card/Passport/PAN Card/Voter ID Card/Driving License Proof of Residence-Aadhar Card/Passport/Voter ID Card/Lease agreement/Telephone bill/Ration card/Electricity bill Proof of Age- Birth Certificate/ SSLC or AISSE Certificate/Passport/Driving License Proof of Income- Salaried individuals: Salary slip of three months /Latest salary certificate, IT returns of the past two years or Form 16 Bank statement of the past six months. Self-employed- Bank account statements of the past 12 months proof of existence of business and its profile Income Tax returns of the previous two years along with Balance Sheet/ Profit & Loss account Property documents- Agreement for Sale & construction, Letter of Allotment, Tripartite Agreement which has to be given before disbursal of loan, Certificate of possession, Detailed cost of construction and Land tax receipt. |
| Business loan | Proof Of Identity- Aadhar card/PAN Card/Passport/Driving License/Voter ID Card Proof of Residence- Voter ID Card/Aadhar Card/Passport/Lease agreement/Ration card/Telephone bill/Electricity bill Bank statement of the last six months Proof of continuation -ITR /Establishment / Trade license/Sales Tax certificate Income Tax returns of the previous two years along with audited Balance Sheet and Profit & Loss account if applicable |
| Education loan | Proof Of Identity- Aadhar card/PAN Card/Passport/Driving License/Voter ID Card Proof of Residence- Voter ID Card/Aadhar Card/Passport/Lease agreement/Ration card/Telephone bill/Electricity bill Admission letter/Offer letter Fee structure proof Basic Qualification and mark-list |
| Gold loan | Proof Of Identity- Aadhar card/PAN Card/Passport/Driving License/Voter ID Card Recent photograph of passport size Proof of Residence- Voter ID Card/Aadhar Card/Passport/Lease agreement/Ration card/Telephone bill/Electricity bill/Trade license/Sales tax certificate |