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UCO Bank Car Loan Customer Care

UCO Bank 24*7 customer care toll-free number for all general enquiries is 1800 274 0123 .

Car financing is one of the most lucrative products offered by the banks in the retail market. These forms of loans usually have quick eligibility checks, less documentation as well as minimum processing time and has come a long way since the days of dealer tie-ups. The banking sector today provides a great deal of flexibility with respect to car loans in terms of rates of interest, repayment tenure, eligibility of the applicants, charges on the loans, etc. Apart from the various loan options, banks also offer more and more service to their customers – not just when applying for the loan but throughout the loan term and the customer care of the bank plays an important role in this process.

Here are all the details about customer care with respect to UCO Bank Car Loan.

UCO Bank Car Loan Customer Care
UCO Bank 24X7 Car Loan Customer Care Number

What is the UCO Bank Car loan Customer Care?

Uco Bank Car Loan Customer Care

UCO bank has a centralized toll free customer care number to handle all the queries and issues of the customers and resolve them in the best and the most efficient manner possible. The customer care service is available 24x7 all round the year for the customers to register their grievances, give their feedback or suggestion regarding the bank’s product and services or any particular branch or the functioning of the bank itself.

The toll free number of the bank is 1800 274 0123.

Apart from the above toll free number, the customers can also contact the bank by means of the following email ids or by the age old method of the trusted postal service. The details of the same are given below:

Area of enquiryEmail Id

Customer feedback/suggestions


Customer grievances


ATM hotlisting and helpline mail


General ATM queries


E-banking queries


M-Banking queries

uco[dot]mbanking [at]ucobank[dot]co[dot]in

Assistance in SPGRS


BSCBI Helpdesk





The bank also has SMS facility for the customers to immediately block or hotlist their cards in case of loss or theft of their card and thus save them from any further damages or loss of their hard earned money. The customers can send a message in any of the following manner from their registered mobile number to 92301 92301.

  • HOT

UCO bank also has a secure Mobile App that the customers can download from the Play Store or the App Store and carry out the same function anywhere anytime and have a complete ease of their banking transactions as well without having to physically visit the bank like in the old days.

The customers can also contact the bank at their Corporate Office at the following address

Corporate Head Office:

UCO Bank Head Office,
10, B T M Sarani, Kolkata - 700 001
West Bengal

Details of UCO Bank Car Loans

UCO Bank offers car loans at very competitive rates to the salaried/ non salaried individuals, NRIs, pensioners and Ex-Staff as well as farmers and agriculturists (minimum age in case of individuals 21 years and maximum 70 years at the time of maturity of the loan) and Business concerns (corporate/non corporate). These car loans are available for the purchase of new or old cars (not older than 5 years) and the bank also has a combo scheme for home loan borrowers. The details of the UCO car loan of the bank are given here.

The very first point of contention for any borrower is the eligibility and there maximum loan that they can get. The details of the same are,

Category Minimum incomeMaximum loan

Salaried individuals

Rs. 20,000 (after considering all deductions, existing obligations and proposed EMI)

36 times of Monthly GMI

Non salaried Individuals

In metro cities – Rs. 5,00,000

In other cities – Rs. 4,00,000

3 times of average Gross annual income of last 2 years

Farmers and agriculturists

Gross Income Rs. 4,00,000 p.a. + farm land holding in their own name

3 times annual income of previous financial year

Business concerns

Profit for last 2 years and Sufficient cash flow during the tenure of the loan to repay the loan after considering all the obligations

No limit

Other details like repayment tenure, rate of interest, amount of loan that can be sanctioned are mentioned below in case of purchase of both new cars as well as old cars.

CategoryNew carsOld cars



20% valuation in case of reputed certified dealers, 30 % in other cases

Amount of loan sanctioned

85% of on-road price (ex-showroom price+ registration+insurance+ one time road tax

No upper limit on loan amount

From reputed certified car dealers – Rs. 15,00,000

From others – Rs. 5,00,000


84 months (7 years)

60 months (5 years)

Rate of interest

8.60% p.a.

From reputed certified car dealers – 9.70%

From others – 10.20%

The bank has no prepayment charges but a processing charge of 1% of the loan amount (maximum Rs. 1,500)

The Combo Car Scheme of the bank is the loan scheme in combination with the home loan of the existing borrowers having a good relationship with the bank (i.e. regular repayment of the loan for the past 2 year after moratorium period) and home loan borrowers having closed their loan except in case of takeover by other bank but not in case of those borrowers whose loans have been restructured / rescheduled during the tenure of the loan. Also the rate of interest in such loans differs from the regular car loans offered by the bank.

CategoryNew carsOld cars
Rate of interest8.35%

From reputed certified car dealers – 9.45%

From others – 9.95%

Customers can contact the customer care service of the bank or the bank’s branch for details regarding the list of documents required, processing time, extra charges (if any), etc.

Grievance redressal / Feedback

The grievance redressal system/process is a well defined one detailing the various levels of escalation available to the customers as well as the time frame for resolution that is available at each stage.

  • The initial point of contact as in any case is the Branch Office or the customer care service of the bank or through the online portal available at the bank’s website via Standard Public Grievance Redressal System (SPGRS). Customers can expect a resolution within 7 days of raising their complaints.
  • If the previous level fails to provide a resolution within the stipulated time frame or of the resolution is not satisfactory, customers can raise the complaint to the Zonal Office of the bank and they can expect a response in 4 days of such escalation.
  • Further, the customers can approach the Circle Office of the bank to get redressal of their complaints if the Zonal Office fails to give any response or a satisfactory response. The circle office has to address the complaint within 4 days of receiving such grievance.
  • The final level of escalation available within the bank is approaching the head office and getting it resolved within 6 days if receipt of the complaint. The contact details for the customers to approach the Head Office of the bank are –

Assistant General Manager, 

Strategic Planning & GAD, 

Head Office 

10, B T M Sarani, 

Kolkata - 700 001
West Bengal

Telephone - 033-44557970

Email Id - hosp[dot}cscell[at]ucobank[dot]co[dot]in


Principal Nodal Officer for Grievance Redressal

General Manager Strategic Planning and GAD 

UCO BANK Head Office -1 

2nd Floor, 10, B.T.M. Sarani 

Kolkata – 700 001 

Telephone - 033 44557977

Email Id - hosp[dot}cscell[at]ucobank[dot]co[dot]in

The bank strives to resolve all the complaints received within 21 days, however, if it fails to do so or if the customer is not satisfied by the solution provided by the bank, he/she can approach the Banking Ombudsman appointed by the RBI and get due resolution of their grievance. The said remedy is available within 30 days of receipt of final communication from the bank

About UCO Bank

UCO bank was originally known as United Commercial Bank and has its headquarters in BTM Sarani, Kolkata. The bank has a huge network of over 4000 branches and 49 Zonal Offices across India and 2 overseas branches in Singapore and Hong Kong.


1. Does the bank require any security to be provided for car loan?

The bank has the right to hypothecation of the vehicle purchased out of the car loan if the customer fails to repay the loan.

2.What is the toll free number of the bank?

The toll free number of the bank is 1800 274 0123.

3. What is the tenure of the loan provided by the bank?

The repayment tenure for new cars is 7 years and old/ used cars are 5 years.

4. What is the maximum amount that a customer can get as a loan?

For New Vehicle - No Ceiling on Maximum Loan Amount. However maximum finance would be limited to 85% of the on Road Price. For Pre - Used Vehicles - Least of the following three:

  • 70% of the cost of the used vehicle up to 4 years old
  • 60% of the cost of the used vehicle more than 4years old but not exceeding 5 years old
  • Rs. 3,50,000 maximum

5. is UCO bank a Government owned bank?

Yes, UCO Bank is a Government owned Bank.

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