UCO Bank Recruitment 2026 - Apply Online for 173 Generalist and Specialist Officer Posts

UCO Bank Officer Recruitment 2026 - Complete Overview

UCO Bank, one of India's leading public sector banks with a rich legacy spanning over eight decades, has announced a major recruitment drive for 2026. The bank is inviting applications from dynamic and qualified candidates to fill 173 vacancies for Generalist Officers and Specialist Officers across various disciplines in JMGS-I (Junior Management Grade Scale-I) and MMGS-II (Middle Management Grade Scale-II) positions. This recruitment presents an excellent career opportunity for aspirants seeking a rewarding banking career with competitive salary packages ranging from Rs. 48,480 to Rs. 93,960 per month, along with additional perks and allowances as per bank norms.

UCO Bank operates with a vast network of over 3,000 branches across India and has been consistently contributing to the nation's economic growth by providing comprehensive banking solutions to millions of customers. The bank is known for its professional work culture, employee welfare programs, career advancement opportunities, and commitment to technological innovation in banking services. This recruitment drive aims to strengthen the bank's human resource base by inducting talented professionals who can contribute to its vision of becoming a world-class financial institution.

Comprehensive Vacancy Breakdown and Specializations

The 173 positions are distributed across multiple specialized roles catering to different banking functions. The recruitment includes positions for Trade Finance Officers who will handle export-import documentation and international banking operations, Treasury Officers responsible for managing the bank's investment portfolio and treasury operations, and Chartered Accountants for financial auditing and compliance functions. The bank is also recruiting IT professionals across multiple domains including Software Developers for application development, Network Administrators for infrastructure management, Data Scientists for analytics and business intelligence, AI/ML Engineers for implementing artificial intelligence solutions, and Cyber Security Officers to safeguard the bank's digital assets.

Additional specialized positions include Credit Officers for loan appraisal and credit risk management, Marketing Officers to drive business growth and customer acquisition, Economist positions for economic research and policy analysis, Law Officers for legal compliance and dispute resolution, Statistician roles for data analysis and reporting, and Agricultural Officers to promote agricultural financing. The diversity of roles reflects UCO Bank's comprehensive approach to modern banking operations and its commitment to leveraging specialized talent across all functional areas.

Salary Structure and Financial Benefits

Selected candidates will receive attractive compensation packages commensurate with their grade and experience. Officers appointed in JMGS-I scale will receive a basic pay in the range of Rs. 48,480 - Rs. 93,960 with annual increments as per service rules. Those selected for MMGS-II positions will receive a basic pay range of Rs. 64,820 - Rs. 93,960. In addition to basic pay, employees are entitled to Dearness Allowance (DA) as per prevailing rates, House Rent Allowance (HRA) based on place of posting, City Compensatory Allowance (CCA) for metro and urban centers, and other allowances including medical benefits, leave travel concession, telephone reimbursement, and newspaper allowance.

The total Cost to Company (CTC) for JMGS-I positions ranges approximately from Rs. 8-9 lakhs per annum, while MMGS-II positions offer around Rs. 10-12 lakhs per annum depending on the place of posting and allowances applicable. Additionally, officers are eligible for performance-based incentives, contribution to Provident Fund and Pension schemes, and comprehensive medical insurance coverage for self and family members. The bank also provides housing loans at concessional rates, education loans for children, and various other welfare schemes making it an attractive employer in the banking sector.

Educational Qualifications and Experience Requirements

For Generalist Officer positions in JMGS-I, candidates must possess a graduation degree in any discipline from a recognized university with a minimum of 60% marks (55% for SC/ST/PwD candidates). For MMGS-II generalist roles, in addition to graduation, candidates should have relevant post-qualification work experience of 2-3 years in the banking or financial services sector. Specialist Officer positions have specific educational requirements based on the role.

Trade Finance Officers need graduation with preference for Commerce/Economics graduates along with 1-2 years of experience in trade finance operations. Treasury Officers require an MBA/PGDM in Finance or CA/CFA qualification with knowledge of treasury operations and capital markets. Chartered Accountant positions mandate CA certification from ICAI with minimum 1 year of post-qualification experience. For IT positions, candidates need B.E./B.Tech/MCA in Computer Science/IT or related disciplines with specific experience requirements - Software Developers need 1-2 years of coding experience, Network Administrators require expertise in network infrastructure, Data Scientists need proficiency in statistical tools and programming languages like Python/R, AI/ML Engineers should have hands-on experience with machine learning frameworks, and Cyber Security Officers must have certifications like CEH/CISSP along with relevant experience.

Law Officer positions require an LLB degree with enrollment as an advocate and minimum 2 years of legal practice experience preferably in banking law. Economist positions need an M.A./M.Sc. in Economics with good academic record and research aptitude. Agricultural Officers should have graduation in Agriculture/Horticulture/Animal Husbandry with field experience in agricultural financing or rural development programs.

Age Limit and Relaxations

The age limit for JMGS-I positions is 20 to 30 years as on January 1, 2026, while for MMGS-II positions, candidates should be between 25 to 35 years as on the cut-off date. Age relaxations are provided as per government guidelines: 5 years for SC/ST candidates, 3 years for OBC (Non-Creamy Layer) candidates, 10 years for Persons with Disabilities (PwD), and up to 5 years for ex-servicemen as per rules. For internal candidates (existing UCO Bank employees), age relaxation is available as per bank's internal policy. Candidates belonging to multiple categories can avail cumulative age relaxation subject to maximum limits prescribed.

Online Application Process and Registration

The application process is completely online through the official UCO Bank website. Candidates need to visit uco.bank.in and navigate to the Careers/Recruitment section. The application window opened on January 13, 2026, and will remain active until February 2, 2026. Candidates must first complete the online registration by providing basic details like name, email ID, mobile number, and creating a password. After registration, they will receive login credentials via email.

Using these credentials, candidates should log in to the application portal and fill in the detailed application form including personal details, educational qualifications, work experience, and upload scanned documents. Required documents include recent passport-size photograph (JPEG format, 10-50 KB), signature (JPEG format, 5-20 KB), educational certificates, experience certificates, caste certificate (if applicable), and PwD certificate (if applicable). After completing the form, candidates must pay the application fee online through debit card/credit card/net banking and submit the application. A confirmation page with application number will be generated which must be saved for future reference.

Application Fee Structure

The application fee is Rs. 850/- (including GST) for General, EWS, and OBC category candidates. SC/ST/PwD candidates and UCO Bank staff members are exempted from payment of application fee, but they need to pay only Rs. 175/- towards intimation charges. The fee is non-refundable and must be paid online during the application process. In case of multiple applications from the same candidate, only the latest application will be considered valid, and fees paid for previous applications will not be refunded.

Selection Procedure and Examination Pattern

The selection process comprises multiple stages designed to assess candidates' suitability for banking roles. Stage 1 involves Online Examination/Written Test conducted at various centers across India. The exam will test candidates' knowledge in areas such as Reasoning Ability, Quantitative Aptitude, English Language, General Awareness (with special focus on Banking), and Computer Knowledge. For specialist positions, there will be an additional section testing Professional Knowledge related to the specific domain.

Candidates who qualify in the online examination with marks above the cut-off will be shortlisted for Stage 2, which includes Group Discussion (GD) for assessing communication skills, teamwork, and problem-solving abilities. Stage 3 comprises Personal Interview where candidates will be evaluated on their technical knowledge, personality, confidence, and overall suitability for the banking profession. The final merit list will be prepared based on combined performance in the online exam, GD, and interview with weightage assigned to each component as per the official notification.

Shortlisted candidates after the interview will undergo Document Verification where original certificates will be checked against the information provided in the application. Candidates who successfully clear all stages will be subjected to Medical Examination to ensure they are medically fit for the role. Final appointment letters will be issued only after satisfactory completion of all selection stages and verification processes.

Important Instructions for Candidates

Candidates must ensure they meet the eligibility criteria before applying as applications from ineligible candidates will be summarily rejected. Only Indian citizens are eligible to apply except for certain categories specified in the notification. The appointment is provisional and subject to verification of character, antecedents, and medical fitness. Selected candidates may be posted anywhere in India depending on the bank's requirements. Candidates should regularly check the official website for updates regarding admit card release, exam dates, and results. The bank reserves the right to cancel the recruitment process at any stage without assigning any reason.