United Bank of India Gurugram

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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

BranchAddressIFSCMICRContact details
Dayanand Colony548/1, Dayanand Colony, New Railway Road, Gurugram - 122001 HaryanaUBIN05388841100260480124 - 2320401 / 2327486
Chakkarpur RoadSCO - 19, Housing Board Colony, Saraswati Vihar, Chakkarpur Road, Gurugram, Haryana, Pin - 122001UBIN05509811100260540124 - 2565792 / 2350883
Jharsa RoadHouse No.1546, Sector 31 - 32, Housing Board Co Jharsa Road, Dist.Gurugram, Haryana, Pin - 122001 UBIN05509901100260660124 - 2381353 / 2380353
SSI Finance BranchSco. 14, Huda Commercial Complex, Sector - 14, Gurugram, Haryana, Pin - 122001 UBIN05510581100260530124 - 2334714 / 2307061
ManesarAt Village Post, Manesar, District Gurugram HaryanaUBIN05522241100260740124 - 2337310 / 2337608
Sushant LokBestech Central Square Mall, G-6, A, Ground Floor, Bestech Central Square Mall, Sector 56, Near Hong Kong Bazaar, Sushant Lok, Gurugram, Haryana 535087UBIN05579271100260930124 - 2572951
Sector 52 GurugramGround Floor, Mata Chowk, Manohara Marg, Wazirabad, Sector 52, Gurugram, Haryana 122003UBIN05598901100260979891385245
Sector 23 GurugramSCO-34, Huda Market,Sector-23, Gurugram, Haryana 122017UBIN05633231100261080124 236 5155
SohnaSohna - Gurugram Road, Ward Number 15, Sohna, Haryana 122103UBIN0563790110026109098125 16141
Sector 27 GurugramSector-27, Gr.Floor, Near Prabhat Hotel, Golf Course Road,Gurugram, Haryana 122002UBIN05642651100261159891385245
PatuadiH.N0.Plot No-1, Ward-6 Haili Mandi Road City - Gurugram Distt.Gurugram Pin-122504 HaryanaUBIN0565083Non-MICR9810556909
Sector 4 GurugramSCF 19, Sector 4, Huda Market Gurugram Pincode-122001UBIN05694961100261339999086141
Sector 10 ASCO-93, Huda Market, Sec-10A, Gurugram, Haryana 122001UBIN0572934Non-MICR0124 236 5155
Sector 30 Gurugram30, Delhi - Jaipur Expy, Block A, Sector 30, Gurugram, Haryana 122003UBIN0572951Non-MICR9953919909

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

 

ProductEligibilityLoan amountInterest rateProcessing feeTenure
Home loanApplicants 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
8.65%NIL30 years
Personal loanYou 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 salary13.45% - 14.20%1% of the loan amount availed36 months i.e. 3 years
Car loanFor 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 Lakhs8.85% - 9.65%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 depositsPeople 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
4.00% - 6.50%NIL15 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 applicable7 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 Lakhs13.35%60 months i.e. 5 years
Education loanThe 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 LoanIndividuals, 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%
NILTerm 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-

ProductDocuments
Home loanPhotographs 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 loanCompletely 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 loanCompletely 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 depositA 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 propertyCompletely 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 loanProof 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

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