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Savings, current & salary accounts

Union Trade Current Account (UTCA)

Trade-focused current account with TCA Basis, Gold and Platinum variants tied to ₹1 lakh, ₹5 lakh and ₹10 lakh monthly average balances.

Interest rateCurrent accounts do not pay interest; CDFFD/CDFFP sweep balances earn the applicable term-deposit rateAverage monthly balance / minimum balanceVariant-specific: CDFFD ₹5 lakh; CDFFP ₹25 lakh FAQ; UNNATI ₹50,000; UTCA ₹1 lakh/₹5 lakh/₹10 lakh; New Current tiers ₹50,000–₹25 lakh+; RERA collection/project accounts no minimum balanceSalary requirementNot applicable; these are current accounts. UTCA may provide linked salary accounts for employees, but no salary threshold is published.
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Quick eligibility check

Union Trade Current Account (UTCA)

0 of 5 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Designed for importers, exporters and customers who often remit money abroad?

2Do you meet this requirement: variants require MAB of ₹1 lakh (TCA Basis), ₹5 lakh (TCA Gold) or ₹10 lakh (TCA Platinum)?

3Document checkDo you have this required document or proof: KYC and identity/address proof?

4Document checkDo you have this required document or proof: Business constitution, importer-exporter and trade documents as applicable?

5Document checkDo you have this required document or proof: Authorised-signatory and foreign-exchange declarations?

0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 4 Sept 2026 · active
Offered byUnion Bank of India

India; bona fide import, export and foreign-exchange transactions

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Account typeCurrent account; variant-specific business, institutional, trade, RERA or professional structureView source
Union Bank lists these named current-account products and variants in its current-deposit catalogue.
Source
Current Deposit Products that suits your need
Page / section
Current-account catalogue
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Average monthly balance / minimum balanceVariant-specific: CDFFD ₹5 lakh; CDFFP ₹25 lakh FAQ; UNNATI ₹50,000; UTCA ₹1 lakh/₹5 lakh/₹10 lakh; New Current tiers ₹50,000–₹25 lakh+; RERA collection/project accounts no minimum balanceView source
The catalogue and linked pages publish the variant requirements.
Source
Current Deposit Products that suits your need
Page / section
Product and New Current Account Variant table
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Salary requirementNot applicable; these are current accounts. UTCA may provide linked salary accounts for employees, but no salary threshold is published.View source
The reviewed current-account pages specify business/customer eligibility and , not a salary-credit threshold.
Source
Current Deposit Products that suits your need
Page / section
Complete salary-condition review
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Interest rateCurrent accounts do not pay interest; CDFFD/CDFFP sweep balances earn the applicable term-deposit rateView source
CDGEN says current-account balances are not paid interest; flexi schemes sweep to term deposits under their applicable rate.
Source
Current Account (CDGEN)
Page / section
Interest
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Non-maintenance chargeTier-specific published charges for New Current variants: ₹250/₹500/₹1,000/₹1,500/₹2,000 plus GST for Pearl/Emerald/Ruby/Sapphire/Diamond; other products follow the applicable Union Bank scheduleView source
The catalogue table publishes the five tier minimum-balance charges plus .
Source
Current Deposit Products that suits your need
Page / section
New Current Account Variant — Minimum Balance Charges
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Debit cardVariant-specific: CDFFD/CDFFP Signature or RuPay Select; CDGEN Classic; UNNATI RuPay Platinum; New Current tiers range from RuPay Select/Visa Signature to RuPay HNI Emperio metal; RERA has no ATM cardView source
Each linked page and the tier table publishes its card type or the no-card restriction.
Source
Current Deposit Products that suits your need
Page / section
Benefits, card and New Current Account Variant table
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Cheque bookCDFFD/CDFFP cheque book available; UNNATI 100 leaves/year; Union Udaan unlimited; New Current tiers 50/100/200/300/unlimited leaves per quarter; CDGEN supports cheque writingView source
The current catalogue and detail pages publish these cheque-book facilities and tier schedules.
Source
Current Deposit Products that suits your need
Page / section
Linked product and New Current Account Variant table
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
ATM/POS, cash and transfer limitsNew Current tiers: ATM cash ₹75,000/day (Pearl), ₹1 lakh/day (Emerald/Ruby), ₹2 lakh/day (Sapphire/Diamond); POS ₹1.5 lakh/₹3 lakh/₹3 lakh/₹5 lakh/₹5 lakh per day; home-branch self cash withdrawal unlimited and non-home ₹1 lakh/day. RERA has no ATM and no cash deposit.View source
The official table publishes tier limits; states cash deposit and facility are not permitted.
Source
Current Deposit Products that suits your need
Page / section
New Current Account Variant table and
Accessed
4 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Product-level import/export/remittance concessions
  • Lower commission and service fees for trade activity
  • Salary accounts for employees through USSA
  • Access to mutual funds, insurance and government-scheme packages
  • Locker and retail-loan benefits under linked salary plans

Eligibility

  • Designed for importers, exporters and customers who often remit money abroad; variants require of ₹1 lakh (TCA Basis), ₹5 lakh (TCA Gold) or ₹10 lakh (TCA Platinum).

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • and identity/address proof
  • Business constitution, importer-exporter and trade documents as applicable
  • Authorised-signatory and foreign-exchange declarations

Related official documents

Current Deposit Products that suits your needofficial-product-page · current · accessed 4 Sept 2026
↗
Union Trade Current Account (UTCA)official-product-page · current · accessed 4 Sept 2026
↗

Plan before applying

Try the numbers

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Try your numbers

Account interest estimate

See roughly how much interest a steady account balance could earn over the period you choose.

Interest you may earn₹2,700two thousand seven hundred rupees
Balance including interest₹1,02,700one lakh two thousand seven hundred rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

· Pearl₹50,000–₹1 lakh

This value is copied from Union New Current Account Variant — published tier terms. Check the table notes before relying on it.

Source: Current Deposit Products that suits your need · Features of New Current Account Variant Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 10 rows · 6 columnsUnion New Current Account Variant — published tier termsView tableHide table

Scroll sideways to view every column

Union New Current Account Variant — published tier terms
ParameterPearlEmeraldRubySapphireDiamond
₹50,000–₹1 lakh₹1–₹5 lakh₹5–₹10 lakh₹10–₹25 lakh₹25 lakh and above
Monthly cash deposit10× ; non-base ₹1 lakh/day10× ; non-base ₹1 lakh/day15× ; non-base ₹1 lakh/day15× ; non-base ₹1 lakh/day15× ; non-base ₹1 lakh/day
Self cash withdrawalHome branch unlimited; non-home ₹1 lakh/dayHome branch unlimited; non-home ₹1 lakh/dayHome branch unlimited; non-home ₹1 lakh/dayHome branch unlimited; non-home ₹1 lakh/dayHome branch unlimited; non-home ₹1 lakh/day
Cheque book50 leaves/quarter100 leaves/quarter200 leaves/quarter300 leaves/quarterUnlimited cheques
cash / daily₹75,000 / ₹1.5 lakh₹1 lakh / ₹3 lakh₹1 lakh / ₹3 lakh₹2 lakh / ₹5 lakh₹2 lakh / ₹5 lakh
/Free unlimitedFree unlimitedFree unlimitedFree unlimitedFree unlimited
chargesFree up to 10/monthFree up to 15/monthFree unlimitedFree unlimitedFree unlimited
Minimum-balance charge₹250 + ₹500 + ₹1,000 + ₹1,500 + ₹2,000 +
Debit cardRuPay Select/Visa Signature or equivalentRuPay Select/Visa Signature or equivalentRuPay Select/Visa Signature or equivalentRuPay HNI Emperio or equivalentMetal RuPay HNI Emperio or equivalent
InsuranceNil personal accident/term coverUp to ₹10 lakh accident; ₹1 lakh term₹10 lakh accident; ₹2 lakh term₹50 lakh accident; ₹5 lakh term₹1 crore accident; ₹10 lakh term
  • Locker concessions and cover conditions are subject to the sole-proprietor and account-currency conditions printed by Union Bank.
Current Deposit Products that suits your need · Features of New Current Account Variant · accessed 4 Sept 2026Open official source ↗

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