Union Bank of India
Good People to Bank With
Headquarters: Mumbai, Maharashtra
Official Bank WebsiteOfficial Published Interest Rates (2026)
Direct benchmark & card rates verified from Union Bank's official circulars
| Credit / Deposit Product | Starting Rate | Effective Range | Lending Benchmark | Calculator |
|---|---|---|---|---|
| Union Awas Home Loan | 7.35% p.a. | 7.35% – 9.20% | Union EBLR | Calculate EMI→ |
| Union Miles Vehicle Loan | 8.70% p.a. | 8.70% – 10.40% | Union EBLR | Calculate EMI→ |
| Union Bank Gold Loan | 8.75% p.a. | 8.75% – 9.65% | Card Rate | Calculate EMI→ |
| Union Bank Term Deposit (3 Years) | 6.75% p.a. | 6.75% – 7.25% | Card Rate | Calculate EMI→ |
| Union Bank Recurring Deposit (3 Years) | 6.75% p.a. | 6.75% – 7.25% | Card Rate | Calculate EMI→ |
Union Bank Official Rate Calculators
Simulate monthly EMIs and deposit maturity values pre-filled with verified Union Bank rates
Union Bank Home Loan EMI Calculator
Calculate monthly instalments on a Union Bank of India home loan with official interest rates starting from 7.35% p.a.
Union Bank Car Loan EMI Calculator
Calculate monthly EMIs for purchasing a new vehicle with Union Miles auto financing starting at 8.70% p.a.
Union Bank Gold Loan Calculator
Calculate estimated loan EMI and interest against hallmarked gold jewellery with Union Bank of India.
Union Bank FD Calculator
Calculate your fixed deposit interest returns with Union Bank of India using official published interest rates.
Union Bank RD Calculator
Calculate your monthly deposit returns with Union Bank of India Recurring Deposits.
Rate Sourcing & Regulatory Disclosures
Direct official circular citations and borrower qualification rules for Union Bank of India
7.35% p.a.
7.35% – 9.20% p.a.
floating RateUnion EBLR
Applicable Conditions & Eligibility Factors:
- Reducing monthly balance tied to EBLR
- CIBIL 750+ secures lowest spread
Source: Union Bank Home Loan Rates
Rates subject to borrower risk-grade & RBI regulatory changes.8.70% p.a.
8.70% – 10.40% p.a.
floating RateUnion EBLR
Applicable Conditions & Eligibility Factors:
- 85% on-road funding
- Pegged to repo benchmark
Source: Union Miles Auto Loan Rates
Rates subject to borrower risk-grade & RBI regulatory changes.8.75% p.a.
8.75% – 9.65% p.a.
floating RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- Quick processing against hallmarked gold
- RBI 75% LTV limit
Source: Union Bank Gold Loan Rates & Terms
Rates subject to borrower risk-grade & RBI regulatory changes.6.75% p.a.
6.75% – 7.25% p.a.
fixed RateRBI Repo Linked / Card Rate
Senior Citizens: up to 7.25% p.a.Applicable Conditions & Eligibility Factors:
- Quarterly compounding applied to domestic retail deposits
- Senior citizen 50 bps extra
Source: Union Bank Retail Deposit Rates
Rates subject to borrower risk-grade & RBI regulatory changes.6.75% p.a.
6.75% – 7.25% p.a.
fixed RateRBI Repo Linked / Card Rate
Senior Citizens: up to 7.25% p.a.Applicable Conditions & Eligibility Factors:
- Quarterly compounding on monthly instalments
- Auto-debit from Union Bank account
Source: Union Bank RD Scheme Card
Rates subject to borrower risk-grade & RBI regulatory changes.About Union Bank of India
Union Bank of India is a major public sector bank inaugurated by Mahatma Gandhi in 1919, known for customer-centric retail credit programs.
Frequently Asked Questions: Union Bank
- Where to verify Union Bank rates?
- Visit unionbankofindia.co.in under 'Interest Rates'.