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UCO Bank Consumer Durable Loan

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
Axis Bank
Low Processing fee
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%
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How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Features of UCO Bank Consumer Durable Loan

  • Loan amount: Offering a loan amount of as high as Rs. 2 lakh, UCO Bank Shopper Loan ensures that you are able to purchase your desired product without any hassle
  • Flexible tenure: You don’t have to worry about paying the UCO Bank Consumer Durable Loan immediately as the bank offers a flexible tenure of up to 60 months
  • Easy application: With minimum documentation, you can easily avail the funds you need
  • No pre-payment charge: In case you prepay the UCO Shopper Loan, you can prepay it without paying any additional charges

Also Know: What are the Types of UCO Bank Personal Loan and Interest Rates

UCO Bank Consumer Durable Loan Interest Rate

The following are key interest rates associated with UCO Shopper Loan:

For salary tie-up arrangement or Loan secured by 100% liquid collateral security 9.45% onwards
For others 10.45%

UCO Bank Consumer Durable Loan Interest Rate

The following are the key eligibility criteria for availing a UCO Shopper Loan:

  • You should either be a self-employed businessman/individual or a permanent employee of govt./semi govt./PSU/semi govt./PSU/universities or reputed private concerns
  • You should be working with your current organisation for at least 1 year and minimum 5 years of service period should still be remaining
  • You should be an existing customer of UCO Bank for at least the past 6 months
  • You must be at least 21 years old and less than 60 years if you are a salaried applicant. If you are a self-employed applicant, minimum eligibility age is 21 years and maximum is 65 years
  • Your minimum income should be:
Salaried individuals At metro centres:Rs. 30,000 At other centres:Rs. 20,000
The minimum take home income should be 40% of gross salary after all deductions including EMI of the proposed loan or Rs.10000, whichever is higher
Non-salaried individuals Minimum annual income should be Rs. 4 lakh at all centres according to the latest submitted IT Return
Minimum 40% of net monthly income should be remaining after deducting EMI of proposed loan, taxes and any other obligations or Rs.10,000 whichever is higher

Swipe to see more table data

Documents Required for UCO Shopper Loan Scheme Application

The basic documents required to apply for UCO Bank Consumer Durable Loan are:

  • ID Proof: Aadhaar Card, PAN Card, Voter ID Card, Passport, Driving License, etc.
  • Address Proof: Ration Card, Aadhaar Card, Utility Bills (electricity or phone bill), Voter ID Card, Passport, etc.
  • Income proof: Bank Account Statement, Salary Slips, Acknowledged ITR, etc.

However, please note that the bank may ask for additional documents, if required.

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Fees and Other Charges

The following are some key fees and charges associated with the UCO Shopper Loan:

Processing Fee 1.00% of the loan amount with minimum Rs.1000/-
Pre- Payment Charge NIL

UCO Bank Customer Care

  • You can call on 1800-274-0123
  • You can send an email on calcutta@ucobank.co.in
  • You can visit the nearest branch of the bank

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

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