UCO Bank SO Recruitment 2026: 173 Specialist Officer Vacancies – Apply Online at jobhuntexpress.in!

UCO Bank, a prominent Public Sector Bank in India, has announced the much-anticipated UCO Bank SO Recruitment 2026, presenting a stellar opportunity for skilled professionals to join its esteemed workforce. With a total of 173 vacancies for Specialist Officers across various crucial departments, this recruitment drive is a golden chance for individuals seeking a stable, rewarding, and high-growth career in the banking sector. Whether you are a seasoned Chartered Accountant, an innovative IT Professional, or a meticulous Finance Expert, UCO Bank offers a dynamic environment to excel. Dive into this detailed guide by Job Hunt Express to understand all aspects of this prestigious recruitment, including eligibility, application process, important dates, and invaluable preparation tips.

UCO Bank SO Recruitment 2026: An Overview

The UCO Bank Specialist Officer Recruitment 2026 targets highly specialized roles in Junior Management Grade Scale-I (JMGS-I) and Middle Management Grade Scale-II (MMGS-II). These positions offer not just competitive salaries but also a comprehensive benefits package, fostering a conducive environment for professional development and personal well-being. This is your chance to contribute to one of India's leading banks and carve out a significant career path.

Key Highlights: UCO Bank Specialist Officer Vacancy 2026

Particular	Details
Recruiting Organisation	UCO Bank (A Govt. of India Undertaking)
Post Name	Specialist Officers (SO) in JMGS-I & MMGS-II
Total Vacancies	173
Salary/ Pay Scale (Starting Basic Pay)	JMGS-I: ₹48,480 | MMGS-II: ₹64,820
Job Location	All India
Application Mode	Online
Application Dates	13 January 2026 to 02 February 2026

UCO Bank SO Vacancy Breakdown 2026

The 173 vacancies are strategically distributed across various specialized streams, reflecting UCO Bank's commitment to strengthening its diverse operational capabilities. Below is a detailed post-wise and scale-wise breakdown:

Post Name	Scale	Age Limit	Vacancies
Trade Finance Officer	JMGS-I	20-30 Years	30
Treasury Officer	MMGS-II	22-35 Years	10
Chartered Accountant	JMGS-I	20-30 Years	50
Chartered Accountant	MMGS-II	22-35 Years	25
Software Developer	JMGS-I	20-30 Years	15
Network Administrator	JMGS-I	20-30 Years	05
Murex / Finacle Developer	JMGS-I	20-30 Years	10
Database / System Admin	JMGS-I	20-30 Years	06
Cloud / AI / ML Engineer	JMGS-I	20-30 Years	05
Data Analyst / Scientist	JMGS-I	20-30 Years	04
Cyber Security / Privacy	JMGS-I	20-30 Years	05
Data Roles (Analyst/Sci/Eng)	MMGS-II	22-35 Years	08
Total			173

Eligibility Criteria for UCO Bank SO Recruitment 2026

Prospective candidates must carefully review and adhere to the eligibility criteria specified by UCO Bank as of 01.01.2026. Meeting these requirements is paramount for a successful application.

Educational Qualification & Experience

Each Specialist Officer role demands a specific academic background and relevant work experience. Below are the general requirements:

• Trade Finance Officer (JMGS-I): A Graduate degree from a recognized university, coupled with an MBA or a Post Graduate Diploma in Finance/International Business. Candidates must possess a minimum of 1 year of post-qualification experience specifically in Trade Finance operations within a financial institution.
• Treasury Officer (MMGS-II): A Graduate degree, alongside an MBA or a Post Graduate Diploma in Finance. A substantial experience of at least 3 years in Treasury functions, including dealing with money markets, foreign exchange, or investment management, is required.
• Chartered Accountant (JMGS-I): Must be a qualified Chartered Accountant (CA) from the Institute of Chartered Accountants of India (ICAI). A minimum of 1 year of post-qualification experience in a relevant field is mandatory.
• Chartered Accountant (MMGS-II): Also requires a qualified CA designation. For this higher scale, a minimum of 3 years of post-qualification experience is essential, preferably in auditing, taxation, or financial reporting.
• IT Officers (Software/Network/AI etc.) (JMGS-I): Candidates should hold a B.E./B.Tech degree in Computer Science, Information Technology, or Electronics, OR possess an MCA/M.Sc degree in Computer Science/Information Technology. A minimum of 1 year of post-qualification experience in their respective IT domain (Software Development, Network Administration, AI/ML, Cyber Security, etc.) is necessary.
• Data Scientist / Analyst (MMGS-II): Requires a degree in Computer Science, Information Technology, Data Science, or Statistics. A minimum of 3 years of experience in data analysis, data modeling, machine learning, or related data roles is expected.

Candidates are strongly advised to consult the official notification for precise details regarding specific degree specializations and experience requirements for each IT and Data role, as there might be granular distinctions.

Age Limit & Relaxation

The age limits vary by scale, with relaxations provided for reserved categories as per Government of India norms:

Category	Age Relaxation
Scheduled Caste (SC)/Scheduled Tribe (ST)	5 Years
Other Backward Classes (OBC) (Non-Creamy Layer)	3 Years
Persons with Benchmark Disabilities (PwBD)	10 Years
Ex-Servicemen	As per Government Rules

Application Fees for UCO Bank SO 2026

An application fee is required to be paid online. Please note that these fees are non-refundable.

Category	Application Fee
SC/ST/PwBD Candidates	₹175 (Inclusive of GST)
UR/EWS/OBC Candidates	₹800 (Inclusive of GST)

Salary Structure and Comprehensive Benefits

Joining UCO Bank as a Specialist Officer not only guarantees a stable career but also a highly attractive remuneration package. The salary structure is meticulously designed according to the latest Industry Level Settlements, ensuring competitive pay and a wide array of benefits that enhance the overall employee value proposition.

Detailed Pay Scales

• Junior Management Grade Scale-I (JMGS-I):
  • Initial Basic Pay: ₹48,480
  • Pay Scale Progression: ₹48480 – 2000/7 – 62480 – 2340/2 – 67160 – 2680/7 – 85920. This indicates annual increments over several years, leading to significant salary growth.
• Middle Management Grade Scale-II (MMGS-II):
  • Initial Basic Pay: ₹64,820
  • Pay Scale Progression: ₹64820 – 2340/1 – 67160 – 2680/10 – 93960. This scale also offers substantial annual increments, reflecting the higher responsibility and experience required for these roles.

Allowances and Additional Perks

Beyond the basic pay, UCO Bank Specialist Officers are entitled to a comprehensive suite of allowances and benefits, which significantly boost the take-home salary and provide financial security:

• Dearness Allowance (DA): This is a cost of living adjustment allowance, revised quarterly based on the Consumer Price Index (CPI), protecting the employee's purchasing power against inflation.
• House Rent Allowance (HRA): Provided to compensate for housing expenses, with the amount varying based on the place of posting (Metro, Urban, Semi-Urban, Rural areas). Officers also have the option of Leased Accommodation in lieu of HRA, which can be a substantial benefit in major cities.
• City Compensatory Allowance (CCA): Applicable in major cities to offset the higher cost of living.
• Medical Aid: Comprehensive medical reimbursement facilities for self and dependents, ensuring access to quality healthcare without significant out-of-pocket expenses.
• Travel Allowance: Reimbursement for official travel.
• Leave Fare Concession (LFC): Allows employees and their families to travel to their hometown or any place in India, with the bank covering a part of the travel expenses.
• Conveyance Allowance: A fixed amount to cover commuting expenses.
• Special Allowance: An additional allowance based on specific roles and responsibilities.
• Pension Scheme: Employees are covered under the New Pension Scheme (NPS), ensuring a secure financial future post-retirement.
• Gratuity: A lump sum payment received upon retirement or resignation after completing a specified period of service.
• Other Benefits: Access to subsidized loans (housing, personal), professional development opportunities, and a vibrant work culture.

Probation and Service Bond

Selected candidates will undergo a probationary period, followed by a service bond commitment:

• JMGS-I Officers: A probation period of 2 years. During this time, officers are assessed for their performance and suitability. Upon successful completion, they are confirmed in their services. Candidates are required to execute a Service Bond, committing to serve the Bank for a minimum of 2 years from the date of joining or confirmation (whichever is later). In case of resignation or termination before this period, a penalty of ₹2 Lakhs + GST is applicable.
• MMGS-II Officers: A probation period of 1 year. Similar to JMGS-I, successful completion leads to confirmation. A Service Bond for a minimum period of 2 years from the date of joining or confirmation (whichever is later) is also required, with the same penalty of ₹2 Lakhs + GST for non-compliance.

Why Join UCO Bank?

Joining UCO Bank offers more than just a job; it provides a fulfilling career pathway in a dynamic public sector environment. Here are compelling reasons to consider UCO Bank:

• Legacy and Stability: UCO Bank is a respected public sector bank with a rich history and a strong presence across India. This offers unparalleled job security compared to private sector roles.
• National Contribution: As a public sector bank, UCO Bank plays a crucial role in the nation's economic development, financial inclusion, and implementation of government schemes. Being a part of this means contributing directly to national progress.
• Professional Growth: The bank is committed to nurturing talent. Specialist Officers get ample opportunities for skill enhancement, internal training programs, certifications, and exposure to various banking functions and technologies.
• Diverse Work Environment: UCO Bank operates across diverse geographies and caters to a wide range of customers. This provides a rich and varied work experience, fostering adaptability and broad exposure.
• Work-Life Balance: Public sector banks are known for providing a more structured work environment and often better work-life balance compared to the rigorous demands of some private corporations.
• Competitive Remuneration & Benefits: As detailed above, the salary, allowances, and perks are highly competitive, ensuring financial stability and a comfortable lifestyle.
• Retirement Benefits: Robust pension schemes and gratuity ensure financial security post-retirement, a significant advantage.
• Learning & Development: With the banking sector constantly evolving, UCO Bank invests in its employees' continuous learning, especially in specialized domains like IT, Treasury, and Trade Finance, keeping your skills future-ready.

Selection Process for UCO Bank SO 2026

The selection process for Specialist Officers at UCO Bank is designed to identify the most competent and suitable candidates through a rigorous multi-stage evaluation. This ensures fairness and merit-based selection.

1. Online Written Examination (if conducted):

   The bank may conduct an online written test. This examination typically assesses candidates on their Professional Knowledge (relevant to their applied specialist field) and General Aptitude (covering areas like Reasoning, Quantitative Aptitude, English Language, and General Awareness/Banking Awareness). The written test acts as a preliminary screening stage to shortlist candidates for the subsequent rounds. A strong performance here is crucial.

2. Personal Interview:

   Candidates will be shortlisted for the Personal Interview based on their performance in the online written test (if conducted) or, in some cases, directly based on the screening of their applications and experience profiles. The interview panel evaluates candidates on their communication skills, personality, relevant professional experience, depth of subject knowledge, problem-solving abilities, and general fit for a banking role.

3. Final Merit List:

   The final selection will be based on the cumulative marks obtained in the Online Written Test and/or the Personal Interview. The weightage for each component will be determined by the bank and specified in the official notification. Candidates need to perform well in all stages to secure a position.

4. Document Verification & Medical Examination:

   Post-selection, candidates will undergo thorough document verification to ensure all submitted credentials are authentic. A medical examination will also be conducted to ascertain their physical fitness for the demanding roles in the banking sector.

Preparation Tips for UCO Bank SO Exam

Success in the UCO Bank SO Recruitment requires a strategic and focused approach. Here are some essential preparation tips:

• Understand the Syllabus: For the written exam, thoroughly review the syllabus for both Professional Knowledge and Aptitude sections. Focus on your chosen specialization for the Professional Knowledge part.
• Professional Knowledge:
  • For CAs/Finance Officers: Focus on Accounting Standards, Taxation, Financial Management, Banking Laws, Auditing, Treasury Operations, International Finance, and Trade Finance concepts.
  • For IT Officers: Brush up on Data Structures, Algorithms, Networking, Database Management, Operating Systems, Cyber Security principles, Cloud Computing, AI/ML basics, Software Engineering, and specific technologies mentioned (e.g., Murex/Finacle).
• Aptitude Section: Practice Reasoning Ability (puzzles, seating arrangement, syllogism), Quantitative Aptitude (data interpretation, arithmetic), English Language (reading comprehension, grammar), and General Awareness (current affairs, banking and financial awareness, general knowledge).
• Mock Tests: Regularly take full-length mock tests to familiarize yourself with the exam pattern, time management, and identify your strengths and weaknesses.
• Time Management: Develop a strict study schedule and allocate sufficient time to each subject. Practice solving questions within time limits.
• Stay Updated: Keep abreast of the latest developments in the banking and financial sector, government policies, and current affairs. This is crucial for both the written exam and the interview.
• Interview Preparation:
  • Research UCO Bank thoroughly – its history, mission, products, and recent performance.
  • Be prepared to discuss your resume, educational background, and work experience in detail, especially how it relates to the SO role you've applied for.
  • Practice common HR questions and mock interviews.
  • Enhance your communication skills and maintain a confident demeanor.
• Review Official Notification: Always refer to the official UCO Bank notification for the most accurate and updated information regarding the syllabus, exam pattern, and other guidelines.

Career Growth and Promotion Structure at UCO Bank

A career as a Specialist Officer in UCO Bank is marked by continuous learning and ample opportunities for vertical and horizontal growth. The bank has a well-defined career progression policy designed to reward performance and skill development.

• Initial Role and Progression:
  • Specialist Officers joining in JMGS-I can expect to move to MMGS-II (Manager) and then to SMGS-III (Senior Manager) through departmental promotion examinations and performance appraisals.
  • Those joining directly in MMGS-II have a faster track to SMGS-III and beyond.
• Promotion Channels: Promotions are generally based on a combination of factors:
  • Performance Appraisal: Annual reviews of individual performance and contribution.
  • Internal Promotional Exams: Regular examinations conducted by the bank to assess eligibility for higher scales. These exams cover professional knowledge, banking laws, and general management principles.
  • Seniority-cum-Merit: A balanced approach where both years of service and performance play a role.
• Higher Management Roles: With consistent performance and experience, Specialist Officers can aspire to reach higher echelons of management such as Chief Manager (SMGS-IV), Assistant General Manager (TEGS-V), Deputy General Manager (SMGS-VI), and even General Manager (SMGS-VII).
• Specialized Streams: Given the specialized nature of these roles, officers can also become experts in their respective fields (e.g., Head of IT Security, Chief Treasury Officer, Head of Trade Finance Division) and contribute to strategic decision-making.
• Training and Development: UCO Bank regularly organizes training programs, workshops, and seminars to enhance the skills and knowledge of its officers, preparing them for higher responsibilities. Opportunities for deputation to other departments or even international postings may arise for top performers.

The clear career progression path, coupled with continuous learning opportunities, makes UCO Bank an ideal organization for ambitious professionals looking for long-term growth and stability.

How to Apply Online for UCO Bank SO Recruitment 2026

The application process for UCO Bank Specialist Officer positions is entirely online. Follow these steps meticulously to ensure a successful submission:

1. Visit the Official UCO Bank Website: Navigate to the careers section of UCO Bank's official portal. Look for "Recruitment Opportunities" or a similar link. The direct link for careers is usually https://www.ucobank.in and then navigate to the recruitment section.
2. Locate the Recruitment Notification: Find the "UCO Bank SO Recruitment 2026" notification and click on the "APPLY ONLINE" link associated with it. This will typically redirect you to the online application portal.
3. New Registration: If you are a first-time applicant, click on "Click here for New Registration". You will need to provide basic details like your name, contact number, and email ID to generate a provisional registration number and password.
4. Fill the Application Form: Log in using your registration credentials. Carefully fill in all mandatory details, including personal information, educational qualifications (degrees, percentages, passing years), and relevant work experience. Ensure accuracy as corrections might not be allowed later.
5. Upload Required Documents: You will be prompted to upload scanned copies of your recent passport-sized photograph, signature, left thumb impression, and a hand-written declaration. Ensure these conform to the specified dimensions and file sizes as per the guidelines provided in the official notification.
6. Review and Verify: Before proceeding to payment, thoroughly review all the information entered in the application form. Make sure there are no errors or discrepancies.
7. Pay Application Fee: Select your category and proceed to pay the application fee online through the available payment gateways (Debit Card, Credit Card, Net Banking, etc.). Once payment is successful, an e-receipt will be generated.
8. Final Submission and Printout: After successful payment, submit the application form. It is highly recommended to take a printout of the submitted application form and the e-receipt for your records and future reference.

Remember to keep all your documents ready and adhere to the application deadlines. Incomplete applications or those submitted after the last date will not be considered.

Important Dates for UCO Bank SO Recruitment 2026

Mark these crucial dates on your calendar to ensure you don't miss out on this opportunity:

Event	Date
Official Notification Release Date	13 January 2026
Online Application Start Date	13 January 2026
Last Date to Apply Online	02 February 2026
Last Date for Fee Payment	02 February 2026
Tentative Date of Online Exam	To be notified
Tentative Date of Interview	To be notified

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Important Links

• Official Website: Visit UCO Bank Website
• Apply Online: Direct Application Link
• Join Telegram: https://t.me/jobhuntexpress
• YouTube Channel: https://www.youtube.com/@PrantikMaji-9
• Main Website: https://jobhuntexpress.in

The UCO Bank SO Recruitment 2026 is undoubtedly a landmark opportunity for dedicated professionals to build a distinguished career in the public sector banking domain. With 173 vacancies and a well-defined path for career progression, the competition will be intense. Ensure your application is submitted accurately and well before the deadline of 02 February 2026. For further updates and comprehensive preparation resources, keep visiting Job Hunt Express!