About UCO
UCO Bank, formerly known as United Commercial Bank, was founded in 1943 by Ghanshyam Das Birla. It was nationalized in 1969 and has its headquarters in Kolkata. The bank serves millions of customers with a strong presence in Eastern India.
3,100+
Branches
2,800+
ATMs
22,000+
Employees
UCO mBanking
Mobile App
💵 Savings Account
2.90%
Interest Rate
Minimum Balance Requirements
- Metro/Urban: Rs. 1,000
- Semi-Urban: Rs. 500
- Rural: Rs. 250
BSBD Account Available
Account Features
💰 Fixed Deposit (FD) Interest Rates
| Tenure | Interest Rate |
|---|---|
| 7-45 days | 3.50% |
| 46-90 days | 4.50% |
| 91-180 days | 5.50% |
| 181 days - 1 year | 6.50% |
| 1-2 years | 7.00% |
| 2-3 years | 6.90% |
| 3-5 years | 6.75% |
| 5-10 years | 6.50% |
| Senior Citizen Extra | +0.50% |
* Rates are subject to change. Please verify with the bank before investing.
📈 Recurring Deposit (RD) Interest Rates
| Tenure | Interest Rate |
|---|---|
| 6 months | 5.50% |
| 1 year | 6.50% |
| 2 years | 7.00% |
| 3 years | 6.75% |
| 5 years | 6.50% |
🏠 Loan Interest Rates
Home Loan
8.55% - 10.55%
Processing: 0.50% + GST
Max Tenure: 30 years
Car Loan
8.85% - 11.00%
Processing: 0.50% + GST
Max Tenure: 7 years
Personal Loan
11.15% - 15.00%
Processing: 1% + GST
Max Tenure: 5 years
Education Loan
8.60% - 11.00%
Processing: Nil
Max Tenure: 15 years
Gold Loan
8.80% - 10.25%
Processing: 0.50%
Max Tenure: 2 years
Loan Against Property
9.70% - 11.75%
Processing: 0.50% + GST
Max Tenure: 12 years
💳 Credit Cards
UCO RuPay Platinum
Annual Fee: Rs. 500
1 point per Rs. 100
UCO Visa Classic
Annual Fee: Rs. 350
Basic rewards
📦 Locker Charges & Service Fees
🔐 Locker Annual Rent
- Small: Rs. 1,400/year
- Medium: Rs. 2,800/year
- Large: Rs. 5,500/year
- Extra Large: Rs. 9,000/year
💸 Service Charges
- NEFT (Online): Free
- RTGS (Online): Free
- IMPS: Rs. 2.50 - Rs. 15
- Cheque Book: 20 leaves free
- Debit Card Annual: Rs. 150 - Rs. 300
- SMS Alerts: Rs. 12/quarter
📞 Customer Care Numbers
Toll Free
1800-103-0123
General Helpline
1800-345-0345
Credit Card
1800-103-0123
NRI Services
1800-345-0345
SWIFT Code: UCBAINBB
IFSC Format: UCBA0XXXXXX