United Bank of India Home Loan in Kolkata

About United Bank of India Home Loan Kolkata

It won’t be wrong to say that United Bank of India and Kolkata share a very special bond. The bank is conducting all its main operations from the city of Kolkata. The bank has served the people of Kolkata since a very long time. It has built a massive presence in the former capital of India with over 100 branches. Kolkata is the place to live in if you wish to enjoy old world charm and experience richness of the Bengali culture. Kolkata is known as the city of joy because it truly spreads happiness to the people living here. United Bank of India offers a home loan to the people living in the capital of West Bengal. The product is very beneficial when it comes buying a house. The bank has always delivered as per the expectations of the customers based in Kolkata.

United Bank of India Home Loan Kolkata at a glance

The essential details about the product offered by United Bank of India have been given below.

ParticularDetails
Interest rate8.60%
Loan amountMetro- Up to ₹ 3 crores
Urban- Up to ₹ 75 Lakhs
Semi-urban- up to ₹ 45 Lakhs
Rural- up to ₹ 25 Lakhs
TenureUp to 30 years
Processing feeAs per bank’s norms
Pre-payment chargeNIL

Eligibility criteria for United Bank of India Home Loan Kolkata

Any applicant who can fulfill the norms given below will be eligible for a home loan offered by United Bank of India. Check them out.

  • The applicants should be over the age of 21 and must have a regular source of income.
  • The applicant can be a salaried employee or a self-employed person or even a professional.
  • The applicant should not exceed the age of 70 whenever the loan tenure matures. This means the loan has to be fully repaid by the age of 70 years.
  • The Salaried employee needs to be in permanent and regular service.
  • Professional and self-employed individuals should be employed in their current trade or profession for a minimum period of two years.
  • Self-employed and businesses need to have at Income Tax returns of at least two year

Documents required for United Bank of India Home Loan Kolkata

The list of the all the important documents required for a home loan offered by United Bank of India has been given below. Check them out.

For Salaried employees

  • 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- 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.

For Self-employed people

  • 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- Income Tax returns of the previous two years along with Balance Sheet/ Profit & Loss account
  • Bank account statements of the past 12 months
  • Proof of existence of business and its profile

Important 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.

For more information please refer to Home Loan Kolkata.

Address of United Bank of India branches in Kolkata

The complete list of United Bank of India branches in the city has been given below with their address, IFSC & MICR codes and contact details.

BranchAddressIFSCMICRContact details
AnandapurP-50, Kasba Industrial Estate Phase-I, Em Bypass, Kolkata, West Bengal 700107UTBI0ADPA507000272401800-345-0345
Alipur27/1,Baker Road, Alipore, Kolkata, West Bengal 700027UTBI0ALP1507000270031800-345-0345
Belgachia25, Indra Biswas Road, Kolkata - 700037, West BengalUTBI0BCH1817000270141800-345-0345
Behala627/1, Diamond Harbour Road, Kolkata, Dist - South 24 Parganas, West Bengal, Pin - 700034UTBI0BEH1327000270121800-345-0345
Bhawanipur31, Ashutosh Mukherjee Road, Kolkata - 700020, West BengalUTBI0BHN1047000270181800-345-0345
Bijoygarh College6/57/2, Bijaygarh, Kolkata, Dist - South 24 Parganas, West Bengal, Pin - 700032UTBI0BIJ1777000270201800-345-0345
Bidhan Sarani203/1/1, Bidhan Sarani, Kolkata - 700006, West BengalUTBI0BIS1587000270191800-345-0345
Bosepukur Rajdanga27G, Bosepukur Road, Kolkata, Dist - South 24 Parganas, West Bengal, Pin - 700042UTBI0BOSC907000271671800-345-0345
Bowbazar235/2, Bipin Behari Ganguly Street, Kolkata - 700012, West BengalUTBI0BOW1057000270211800-345-0345
BiratiMahajati Nagar, 88 Sarat Bose Road, P.O. Rajbari, Airport, Kolkata - 700081 West BengalUTBI0BRTF607000272501800-345-0345
BaghBazar 17, 32/1, Girish Ghosh Avenue, Soyabazar, Baghbazar, Kolkata, West Bengal 700003UTBI0BAZ1017000270051800-345-0345

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