United Bank of India Guwahati

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About United Bank of India

United Bank of India was established in the year 1950 due to the amalgamation of four other banks and since then, it has touched milestones after milestones. On July 19, 1969, the bank got nationalised with 13 more banks. The main headquarter of the bank is located in the classic city of Kolkata, West Bengal. The bank wishes to emerge out as a customer-centric, dynamic, and progressive premier bank with pan-India presence. Today, the bank has spread about 1999 branches and offices in several parts of the country. The bank has three overseas branches in New Delhi, Mumbai and Kolkata to facilitate international activities. The contribution of United bank of India to the development of banking facilities in north-eastern and eastern part of India is unmatched.

After nationalisation, United Bank of India took the responsibility of undertaking developmental activities in the semi-urban and rural areas. Due to its tremendous work in the field, the bank got the designation of the Lead bank in many districts. Currently, it is the Lead bank in about 30 districts of Tripura, Assam, West Bengal and Manipur. It has been a major sponsor of about four Regional Rural banks in Tripura, Manipur, Assam and West Bengal.  Guwahati has a very special connection with United bank of India. The bank is always more than ready to help the most important city of Assam. It has opened more than 15 branches in the city which are always at service.

Address of United Bank of India branches in Guwahati

BranchAddressIFSCMICRContact details
Gauhati UniversityGauhati University Campus, Gopinath Bordoloi Nagar, P.O. Gauhati University, Guwahati-781014, AssamUTBI0GUVH87Non-MICR9435048784
Ambikagiri NagarR G Baruah Road, Guwahati, District - Kamrup, Assam, Pin - 781024UTBI0AGNH317810270142563167
AT RoadAssam Trunk Road, Tokobari Satra, Guwahati, Assam 781001UTBI0ATR3767810270092544117
Fancy BazaarS.S.Road,G.N.
Bordoloi Road, Lakhtokia, Fancy Bazaar, Guwahati, Assam 781001
UTBI0FBZ3047810270032522897
G.S. RoadUlubari Chariali Police Point, Guwahati, Dist - Kamrup, Assam, Pin - 781007UTBI0GSRG517810270112332776
Kamakhya BranchAssam Trunk Road, Maligaon,
Chariali, Maligaon, Guwahati, Assam 781011
UTBI0KYA3277810270082570353
Lal GaneshUrbana Bhawan, Lokhra Rd, Bonik Para, Lal Ganesh, Guwahati, Assam 781034UTBI0LGAH58781027015240312
NoonmatiNoonmati Refinery Road, Bamunimaidan, Guwahati, Dist - Kamrup, Assam, Pin - 781021UTBI0NOO3157810270042550655
Silpukhuri Gopinath Bordoloi Road, Guwahati Club, Kamrup, Guwahati, Assam 781003UTBI0SPK3857810270052665094
North GuwahatiAmingaon Doul Govinda Road, North Guwahati, Guwahati, Assam 781039UTBI0NOG347Non-MICR2690925
Guwahati MetroDihang Arcade, Guwahati - Shillong Road, A.B.C. Point,Opposite Dona Planet, SATSANG VIHAR, Bhangagarh, Guwahati, Assam 781005UTBI0GUMH71Non-MICR2450110

Products offered by United Bank of India

United Bank of India has something in its kitty for each one of us. Whether you need an education loan to study abroad or you need a home loan to fulfil your housing needs or a business loan to expand your business further. You can secure attractive returns on your fixed deposits in the bank and even avail a loan by mortgaging your property.  Want more information about the products offered by the bank? Have a key look at the two tables-

Basic details of United Bank of India loans in Guwahati

 

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 Guwahati 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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