Union Bank of India 
Uttar Pradesh 920+ branches Union Bank of India Home Loan in Uttar Pradesh.
Quick answer: Union Bank of India home loan rate in Uttar Pradesh: 8.5-10.5% (typical 8.75%). Average Uttar Pradesh home loan ticket: ₹35.00 L. State stamp duty: 7% (~₹2.45 L extra). Typical EMI on a 20-year loan: ₹30,930/month.
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Union Bank of India's Uttar Pradesh positioning.
Union Bank inherited a deep UP network from the Andhra Bank-Corporation Bank merger and operates 920+ branches across Lucknow, Kanpur, Noida, Ghaziabad, Varanasi, and Agra. Positioned as a value PSU for state government employees and SME borrowers with rates 8.50-8.85%.
UP's 7% stamp duty (6% stamp + 1% registration, with 1% rebate for female buyers making it effectively 6%) is the highest among major North Indian states and a structural drag on registration volumes. Union Bank captures the UP state government employee segment (Sachivalaya, Vidhan Sabha staff in Lucknow, UPPCL, UPSRTC, and police) with payroll tie-ups offering 8.50% floor rates. Noida Sector 62, 125, 144 IT corridor handles MNC employees of HCL, TCS, Adobe, Samsung; Ghaziabad Indirapuram and Vaishali capture Delhi-NCR commuter buyers. UP female buyer rebate of 1% on stamp duty makes joint-applicant-with-wife the default lender recommendation.
How Uttar Pradesh taxes affect your Union Bank of India EMI.
Uttar Pradesh does NOT levy Professional Tax. Saves ₹2,500/year vs Maharashtra/Karnataka.
Uttar Pradesh Lucknow is HRA tier-2 non-metro: 40% of basic salary as HRA exemption. Lower than metros — limits HRA benefit despite local rent costs.
Union Bank of India in Uttar Pradesh — common questions.
Does UP's 1% female buyer stamp duty rebate apply to Union Bank loans?
EMI on 35L Union Bank loan in Lucknow at 8.55% for 20 years?
Which UP cities have Union Bank salary tie-ups with the state government?
More combinations.
Union Bank of India in other states
Other banks in Uttar Pradesh
