UCO Bank 🌄 Siliguri Rate8.7% Branches24+

UCO Bank Home Loan in Siliguri 🌄

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Quick answer (UCO Bank Siliguri)

UCO Bank home loan in Siliguri: 8.45-10.45% (typical 8.7%) with 24+ city branches. Siliguri average ticket ₹32.00 L at 8.7% over 20 years = ₹28,177/month EMI. West Bengal stamp duty: ~₹2.24 L. Disbursal: 3-5 days for pre-approved, 7-10 days for fresh applications.

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Mortgage Calculator

Home Value

LTV 80% · No PMI ✓

Loan Amount

Interest Rate

Term

Total Monthly

$2,496

PITI

Principal + Interest

$1,996

58% goes to interest

Total Interest

$418,527

over 30 years

Monthly Breakdown

Principal & Interest$1,996

Property Tax (1.1%/yr)$344

Homeowner's Insurance (0.5%/yr)$156

Total Monthly$2,496

Principal vs Interest Split

42% principal

58% interest

✨ Live recalculation·Includes P&I, property tax, insurance. Estimates only — consult a licensed lender for exact rates.

UCO Bank in Siliguri

UCO Bank's Siliguri position.

UCO Bank treats Siliguri as a stronghold given its North Bengal home territory with branches at Hill Cart Road, Sevoke Road, Pradhan Nagar and Matigara. The bank dominates the tea garden, jute corridor and Bagdogra airport hinterland with strong relationships across the North Bengal University, AIIMS Kalyani-linked medical referrals and the Asian Highway logistics belt.

Branches in Siliguri

24+

2026 estimate

Typical rate

8.7%

8.45-10.45% repo-linked range

Disbursal speed

3-5 days for pre-approved

pre-approved customers

🏢 Pre-approval pipeline

UCO Bank's top employers in Siliguri.

For salary account holders at these Siliguri employers, UCO Bank typically offers pre-approved home loan offers within 30-45 days of consistent credit. Disbursal: 3-5 days for pre-approved, 7-10 days for fresh applications.

✓ North Bengal University

✓ North Bengal Medical College

✓ Indian Air Force Bagdogra

✓ Goodricke Tea

✓ McLeod Russel

✓ Tata Tea Plantations

✓ Bengal Ambuja Cement

✓ NBSTC

✓ Siliguri Municipal Corporation

✓ Bengal Government

✓ NJP Railways

✓ Centre for Studies in Social Sciences

🧮 Worked example

₹32.00 L UCO Bank home loan in Siliguri at 8.7% over 20 years

Loan amount

₹32.00 L

UCO Bank typical rate

8.7%

Term

20 years (240 months)

Monthly EMI

₹28,177

Total interest paid

₹35.62 L

Total paid (principal + interest)

₹67.62 L

+ West Bengal stamp duty (7%)

₹2.24 L

UCO Bank processing fee

0.50% of loan amount (max ₹10,000 for home loans).

❓ FAQ

UCO Bank Siliguri home loan FAQ.

What rate does UCO Bank offer North Bengal University faculty? ▾

UCO Bank offers 8.40-8.55% to NBU and NBMC faculty through its Hill Cart Road branch with state government check-off, full processing fee waiver and 30-year tenure.

UCO vs SBI for Siliguri home loans? ▾

SBI has broader pan-India brand pull but UCO is sharper on rate at 8.40% in its North Bengal home turf and offers faster sanction for tea-garden management and Sevoke Road properties.

Can a Bagdogra IAF officer get a 60-lakh loan? ▾

Yes, with rank pay above Major equivalent and AGIF guarantee, UCO Bank sanctions up to 75 lakh at 8.50-8.65% for properties in Matigara, Pradhan Nagar or Champasari.

UCO Bank for Bihar, Jharkhand, and rural West Bengal home loans? ▾

UCO is one of the top PSU banks for tier-3 Eastern India (Patna, Ranchi, Bhubaneswar, Asansol, Darbhanga, Bhagalpur) home loans. The bank has 600+ branches in Bihar alone, often the only major bank with a meaningful local presence in tier-3 districts. Combined with competitive 8.45-8.7% rates and full PMAY-CLSS subsidy handling, UCO is the natural first choice for Eastern India affordable and mid-segment home buyers.

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