United Bank of India Lucknow

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About United Bank of India

United Bank of India is the bank for the people of India. It is a major public sector bank which was nationalized in the year 1969 on July 19. The bank main head office is located in the city of joy- Kolkata. After it got nationalized, the bank took on the role of a responsible financial institution and helped in spreading the banking services to different parts of India. It was an active participator in all kinds of developmental activities and together with government paved way for a strong banking system in the country. It particularly focussed on the rural and semi-urban belt and introduced several banking measures in these areas. These led to the development of the banking sector in these areas. This introduced major trust for the bank amongst the customers.

United Bank of India has always been known as the bank that has amalgamated entire India through the dots of banking. It carried the mission of spreading banking facilities in the eastern and north-eastern zone of India on its own back. Due to its massive work in these zones, the bank got the tag of the lead bank and currently, it is the lead bank in various districts of Assam, West Bengal, Meghalaya, Manipur, and Tripura. Lucknow is the capital of Uttar Pradesh and an important centre of education, trade and culture in central India. United Bank of India has established more than 20 branches in the city so that the growth level of the city doesn’t stop at any point.

Address of United Bank of India Lucknow branches

BranchAddressIFSCMICRContact details
Alambagh551 J/122, Ram Prasad Khera, Talkatora Road, Alambagh, Lucknow - 226005, Uttar PradeshUTBI0ABL5722260270100522 245 6311
Sadar Cantonment33, Nehru Road, Lucknow Cantonment, Lucknow - 226002, Uttar PradeshUTBI0CAS5312260270032480640
AliganjB3/18 Sector K, Aliganj, Lucknow Uttar PradeshUTBI0ALI5652260270090522 235 6518
Gomti NagarDeva Palace Commercial Complex, Viram Khand - 1, Gomti Nagar, Lucknow - 226010, Uttar PradeshUTBI0GMT5502260270065521082
11 Gorkha Rifles Regimental CentreKranti Lines, Lucknow Cantonment, Lucknow, Lucknow - 226002, Uttar PradeshUTBI0GRC576226027011(0522) 2483127
Hazratganj23 Vidhan Sabha Marg, Lucknow Cantonment, Lucknow - 226001, Uttar PradeshUTBI0HZG5092260270042225955, 2222116
Indira NagarB - Block, A - 230, Indira Nagar, Lucknow - 226016, Uttar PradeshUTBI0LIN56422602700828523012, 28588895
Station RoadN.H.D.C., M - 23, First Floor, Vikas Deep Building, Station Road, Lucknow - 226001, Uttar PradeshUTBI0LSR5632260270072635454
RajajipuramE - 2161, Rajajipuram, Lucknow - 226017, Uttar PradeshUTBI0RJP5382260270052418502
Vikas Nagar1/241 Vikas Nagar, In Front Of Lekhraj Commercial Complex Lucknow - 226022, Uttar PradeshUTBI0VNG584Non-MICR0522-2738240
Raebareli Road 591/578, Mahaveer Pushpa Devi Pandey Complex, Near Sardar Patel Dental College, Utrathia, Raebareli Road, Lucknow-226002 Uttar pradesh UTBI0RRD590Non-MICR0522-2443951

Products offered by United Bank of India

United Bank of India offers the customers a wide range of financial products that are specially made to suit their requirements. You can get any kind of loan product from the bank if you follow the process of fulfilling the norms of eligibility and the documentation work. The loans offered include a home loan, gold loan car loan, personal loan, education loan, business loan and loan against property. I would suggest you to see the tables below for additional information about the products. Don’t forget to check them out.

Basic details of United Bank of India loans in Lucknow

 

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 Lucknow 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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