UCO Bank 
West Bengal 720+ branches UCO Bank Home Loan in West Bengal.
Quick answer: UCO Bank home loan rate in West Bengal: 8.45-10.45% (typical 8.7%). Average West Bengal home loan ticket: ₹34.00 L. State stamp duty: 6% (~₹2.04 L extra). Typical EMI on a 20-year loan: ₹29,938/month.
EMI Calculator
UCO Bank's West Bengal positioning.
UCO Bank is headquartered in Kolkata (BTM Sarani) and treats West Bengal as its anchor market with 720+ branches statewide — the densest PSU network in WB after SBI. Rates 8.40-8.80% with strong Bengali-language documentation support and state government payroll tie-ups.
UCO Bank's WB home loan book is the largest of any PSU after SBI because Kolkata HQ status gives it state-government primacy and Bengali-language service depth no other lender matches. The bank's Salt Lake Sector V, New Town Rajarhat, and BTM Sarani branches handle most state government employee (Nabanna, WBSEDCL, WBSRTC, Kolkata Police) home loans at 8.40% floor. WB's 6% stamp duty (5% + 1% registration, 4% for sub-25L panchayat areas) plus 1% lower for women buyers makes wife-as-first-applicant the default UCO recommendation. Kolkata IT salary corridor (TCS, Cognizant, IBM, Wipro at Salt Lake and Rajarhat) and Howrah-North 24 Parganas mid-ticket buyers drive the bulk of book.
How West Bengal taxes affect your UCO Bank EMI.
₹200/month (₹2400/year). Reduces net take-home pay, affecting EMI affordability calculations.
West Bengal Kolkata is HRA tier-1 metro: 50% of basic salary as HRA exemption. Best tier — meaningful tax saving on rent.
UCO Bank in West Bengal — common questions.
Why does UCO Bank dominate the WB government employee segment?
EMI on 34L UCO Bank loan in Kolkata at 8.40% for 20 years?
Is UCO faster than SBI for Salt Lake IT employee home loans?
More combinations.
UCO Bank in other states
Other banks in West Bengal
