उत्पाद विवरण
बैंक का नाम
UCO Bank
खाता नाम
UCO Suvidha Salary Account
खाते का प्रकार
Salary and Savings
ब्याज दर
Interest shall be calculated on daily product basis.
The specified rate is 3.50% presently(upto Rs 50 lakhs) and 4% above Rs 50 lakhs as decided by the bank from time-to-time.
At present, interest is paid on a quarterly basis.
निःशुल्क डेबिट कार्ड
Free add- on card for the spouse for joint account holder. (Rupay Classic & Visa classic)
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खाता खोलने का शुल्क
0
वार्षिक रखरखाव शुल्क
Free
Minimum Account Balance
Zero Balance Saving Bank Account.
डेबिट कार्ड शुल्क
Free
एनईएफटी शुल्क
Rs. 10,000- Nil
Rs. 1 lakh- Nil
Rs. 1 lakh to Rs. 2 lakh- Rs. 17
More than Rs. 2 lakh- Rs. 17
Free if done online.
आईएमपीएस शुल्क
Upto Rs-1,000/- NIL
Rs. 1,000- Rs. 10,000/- 2.55 + applicable GST
Rs. 10,001 – Rs. 1,00,000/- Rs. 5.09 + applicable GST
Rs. 1,00,001- Rs. 5,00,000/- Rs. 14.41 + applicable GST
Free if done online
फीस और शुल्क
UCO Suvidha Salary Account
विशेष लक्षण
Personal Death Insurance Scheme (PAIS) – Amount insured: INR 20 Lakhs to INR 1 Crore depending on salary.
Overdraft Facility up to 3 times of net take home pay
पात्रता मापदंड
Regular Employees of various Ministries and Departments under the Central Government, State Govt., Union Territories, RBI, NABARD,PSU, Semi Govt. Corporations/ Boards /Autonomous Bodies of Central, State Govt. and Union Territories. Regular teaching and Non teaching staff of Govt. School, College, Universities etc.
Minmum age 21 Years.
Regular employee of Public and Private Limited Companies, Institutions, LLPs & Trust. Regular employee of Private University, College ,School & Hospitals.
फ़ायदे
विशेषताएं, पात्रता और लाभ
पक्ष विपक्ष
पेशेवरों
Zero balance account.
Debit card issue charges are nil
Debit card annual maintenance charges are nil.
Free add- on card for spouse for joint account holder.(Rupay Classic & Visa classic)
Personal Death Insurance Scheme (PAIS) – Amount insured: INR 20 Lakhs to INR 1 Crore depending on salary.
Overdraft facility up to 3 times of net take home pay.
Cheque Book - 50 Cheques leaves free.
दोष
Low interest rate.
UCO Suvidha Salary Account Review
The account comes with decent value add features such as overdraft facility 3x of the take home pay. The biggest con associated with the account is that it offers a low interest rate.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
खाता खोलने की प्रक्रिया और प्रक्रिया
How to open an Account?
To open a UCO Suvidha Salary Account, you'll typically need to be an employee of a company that has a salary tie-up with UCO Bank. Here's a general overview of the process:
Check Eligibility:Ensure your employer has a salary tie-up with UCO Bank.
Confirm your eligibility based on your salary range (as there might be different account tiers with varying benefits).
Gather Required Documents:Proof of Identity: Aadhaar Card, PAN Card, Passport, Driving License, Voter ID
Proof of Address: Recent utility bills, passport, driving license, voter ID
Passport-sized Photographs: 2-3 recent photographs
Visit a UCO Bank Branch:Locate your nearest UCO Bank branch.
Collect the account opening form.
Fill out the form accurately and completely.
Submit the completed form along with the required documents.
Account Activation:The bank will verify your documents and process your application.
Once approved, your UCO Suvidha Salary Account will be activated. You will receive your account details, including your account number, debit card, etc.