UCO Bank Home Loan Customer Care

Points to Remember

Mentioned below are important points to know about contacting UCO Bank Home Loan Customer Care:

1. If you want to register a complaint/grievance, you can do so using this form - Complaint Form. You will be required to enter details such as account number, amount, mobile number, customer email address, complaint type, and complaint details.
2. If you want to check the status of your complaint, you can do so by clicking on Check the status of your complaintlink and entering details such as your name, complaint type and sub-type, verification code, branch code, and so on.
3. You can also send an email to the address hopgr.calcutta@ucobank.co.in in case you have any grievance or issue that you need resolved.
4. Customers can also get in touch with the Customer Care Department by visiting the bank’s zonal offices.
5. UCO Bank has a set of Grievance Redressal Policies available on the website. You can go through these policies here - https://www.ucobank.com/english/customer-grievance-policies.aspx.

Redressal of Complaints and Grievance System

1. A complaint or grievance can be lodged on the website of UCO Bank using Complaint form. Customers will also be able to keep a track of the status of their complaint through here.
2. Customers can file their complaints to the Branch Manager or on the Standardised Public Grievance Redressal System (SPGRS) module present on the Bank’s website.
3. The complaint will be resolved within a timeframe of 7 days from the day of filing.
4. In case the complaint has not been resolved satisfactorily, it can be further escalated to the respective Zonal office.
5. In case the Zonal office is not able to address the issue satisfactorily, the matter is further escalated to the concerned Circle Office.
6. If the Circle office is unable to resolve the issue within a timeframe of 4 days, the matter is escalated to the Head Office.
7. At the level of Head Office, the complaint/grievance is given highest priority. The complaint takes around 21 days to get resolved at this stage.
8. If the above-mentioned redressal systems fail to satisfy the customer, he/she can get in touch with UCO Bank’s Assistant General Manager. The AGM’s contact information has been mentioned below:

Telephone Number	Fax Number	Email Address	Corporate Head Office
033-44557970	033-44557319	hosp.cscell@ucobank.co.in	UCO Bank Head Office, 10 BTM Sarani, Kolkata – 700001

9. If the person fails to receive a satisfactory response from UCO Bank, he/she can appeal to Banking Ombudsman, Reserve Bank of India. UCO Bank operates under the jurisdiction of RBI.
10. Customers can also lodge their complaints on the below-mentioned contact numbers and email websites for speedy redressal:

Customer FAQ’s

1. How does UCO Bank determine the home loan eligibility of an applicant?

   The applicant’s repayment capacity and income determine his/her home loan eligibility.

2. What are the prepayment charges in case of repayment of home loan ahead of schedule?

   With respect to floating rate home loans, one can easily pay off the same ahead of schedule either in part or in full without any prepayment costs.

3. What are the securities that customers need to furnish while availing home loan from UCO Bank?

   Equitable mortgage of the financed property will act as security.

4. What is the maximum repayment period with respect to Home Loans?

   UCO Bank offers a maximum repayment period of 30 years to its borrowers. For specific cases, a moratorium period may be allowed for a maximum timeframe of 36 months.

5. What are the processing charges involved in a home loan?

   The borrower of a home loan will be required to pay a processing charge that is 0.5% of the total loan amount, with a minimum amount of Rs.1,500 and a maximum amount of Rs.15,000.

6. Can an earning member of a family borrow a home loan under the name of his/her non-earning spouse?

   Yes. In such cases, the earning member will be the main borrower and the non-earning member will become the co-borrower.