Information only
UCO Bank is a public sector bank. The Reserve Bank of India lists its registered office in Kolkata. The bank was founded in Kolkata on 6 January 1943 as United Commercial Bank, was nationalised in 1969 and took the name UCO Bank in 1985. According to the bank's website, as of 8 November 2026, it lists several loans as straight-through (STP) or digital journeys, along with a UCO Suryodaya loan and a GST-based MSME product. This page is an information summary, not an offer, and it does not compare the bank with other lenders.
Loans it offers
Loans listed on UCO Bank's website
| Loan | What to know |
|---|---|
| Home loans | The bank lists UCO Home and a Top-Up Home Loan. The property is the security. |
| Personal loans | It lists a Personal Loan, a Pre-Qualified Personal Loan and a UCO Pension Loan for pensioners. |
| Business and MSME loans | The list includes an SME/Business Loan, a Digital MSME Loan, UCO GST SMART and UCO Suryodaya. Digital cash credit renewal is also listed. |
| Car loans | A Vehicle Loan and a Pre-Qualified Vehicle Loan are listed. |
| Gold loans | A Gold Loan and an STP Gold Loan are listed. Gold is the security. |
| Education loans | An Education Loan and a Digital Education Loan are listed. |
Read how these loans work on LOANZ 360: home loans, personal loans, business loans, car loans, gold loans, education loans. The bank's own website is the record of its current products, schemes and terms, so confirm there before you apply.
Key facts
| Fact | Detail |
|---|---|
| Regulator category | Public sector bank (regulated by the Reserve Bank of India) |
| Registered office (RBI listing) | Kolkata, West Bengal |
| Ownership | Majority owned by the Government of India |
| Founded | 6 January 1943, as United Commercial Bank |
| Renamed | UCO Bank, 1985 |
| Nationalised | 19 July 1969 |
As of 8 November 2026, press reports say UCO Bank raised ₹2,000 crore through a qualified institutional placement that closed in March 2025. The government remains the majority owner.
Before you apply
- Ask what STP or digital means for the loan you want. Some steps may still need documents or a branch visit.
- If you apply for a GST-based MSME loan, make sure your GST filings are up to date, because lenders read them closely.
- Read the Key Fact Statement (KFS) and compare the annual percentage rate (APR), not only the stated rate.
- Prepayment, processing and penal charges are set by the lender, so ask for them before you accept.
LOANZ 360 compares your details with each partner lender's published eligibility criteria before any application goes to a lender. This helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score. Checking your own score does not lower it.
To place this bank next to others, see interest rates and the lenders page. The label on this page is drawn from live site data and tells you whether the bank is a lending partner or shown for information only. For information-only lenders, apply on the lender's own website.
Last updated 12 Nov 2026