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You can contact UCO BANK car loan customer care for any queries regarding car loans. You can reach customer care experts via the UCO BANK toll-free number or UCO BANK customer care number city-wise. Alternatively, you can contact the customer care team through Email ID or chatbot.
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.
About 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:
ATM hotlisting and helpline mail
General ATM queries
Assistance in SPGRS
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.
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 001West BengalIndia.
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,
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
Profit for last 2 years and Sufficient cash flow during the tenure of the loan to repay the loan after considering all the obligations
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.
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
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.
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.
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.
Assistant General Manager,
Strategic Planning & GAD,
10, B T M Sarani,
Kolkata - 700 001West BengalIndia
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
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
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?
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:
5. is UCO bank a Government owned bank?
Yes, UCO Bank is a Government owned Bank.
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