Repo latest

RLLR (5.25% + 2.80%) =

8.05%

Annexure II: Interest Rate structure applicable to different MSME products linked to UCO Float :

W.E.F. 11.12.2025

UCO Float (5.25+2.80)%

8.05%

Particulars

Effective rate mentioned in this circular with reference to UCO Float prevailing on the date of circular.

1

Advances to MSME

Spread

Effective rate

a) Total Funded Exposure up to Rs.50,000   

1.00%

9.05%

b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh

1.50%

9.55%

c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.25 lacs

2.00%

10.05%

d) Total Funded Exposure more than Rs.25 lacs

Internal Credit Rating

Above 25 lacs to 10 Cr

Above 10 Cr

Spread

Effective rate

Spread

Effective rate

UCO 1

1.65%

9.70%

1.60%

9.65%

UCO 2/UCO 3

1.95%

10.00%

1.90%

9.95%

UCO 4/UCO 5

2.00%

10.05%

1.95%

10.00%

UCO 6

2.45%

10.50%

2.40%

10.45%

UCO 7

3.25%

11.30%

3.15%

11.20%

UCO 8 to UCO 10

3.25%

11.30%

4.15%

12.20%

2

Advances to Commercial Real Estate (CRE) that fall under MSME

i) Advances to CRE - Residential projects / CRE - Others

Spread

Effective rate

Upto 1 cr

2.00%

10.05%

c) Total Funded Exposure more than Rs.1.00 crore

As per Credit rating as under:

Above 1 Cr to 10 Cr

Above 10 Cr

Internal Credit Rating

Spread

Effective rate

Spread

Effective rate

UCO 1

1.90%

9.95%

1.85%

9.90%

UCO 2/UCO 3

2.20%

10.25%

2.15%

10.20%

UCO 4/UCO 5

2.50%

10.55%

2.45%

10.50%

UCO 6

2.95%

11.00%

2.90%

10.95%

UCO 7

3.50%

11.55%

3.40%

11.45%

UCO 8 to UCO 10

4.50%

12.55%

4.40%

12.45%

3

Advances for Export Credit to MSME linked to UCO Float

Pre Shipment

Spread

Effective rate

Upto 270 days

0.40%

8.45%

Beyond 270 days and upto 360 days

0.55%

8.60%

Against incentive receivable from GOI up to 90 days

0.35%

8.40%

Post Shipment

On Demand Bills for transit period

0.35%

8.40%

Usance Bills upto notional due date whichever is earlier

Upto 180 days

0.35%

8.40%

More than 180 days to 365 days

0.55%

8.60%

Against Govt. incentive Receivable from GOI upto 90 days

0.35%

8.40%

Against undrawn balance upto 90 days

0.35%

8.40%

Against retention money payable within 01 year for DOS    ( for supplies upto 90 days)

0.40%

8.45%

Export not otherwise specified (ECNOS)

Pre-shipment

5.25%

13.30%

Post-shipment

5.25%

13.30%

4

UCO Vyapar Samridhi

a) Total Funded Exposure Rs 1 Lakh and above and upto Rs 10 Lakh

1.60%

9.65%

b) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00  Cr

2.05%

10.10%

5

Mukhya Mantri Swavlamban Yojana

a) Total Funded Exposure up to Rs.50,000                          

1.05%

9.10%

b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh

1.60%

9.65%

b) Above Rs 10 lacs and upto Rs 40 lacs

2.05%

10.10%

6

UCO Roop Sangam

a) Total Funded Exposure up to Rs.50,000                          

1.05%

9.10%

b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh

1.60%

9.65%

7

PMEGP

a) Total Funded Exposure up to Rs.50,000                          

1.05%

9.10%

b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh

1.60%

9.65%

b) Above Rs 10 lacs

1.20%

9.25%

8

PMSVANidhi

Total Exposure up to Rs 50,000

2.20%

10.25%

9

UCO MSME GOLD Loan Scheme

TL-Margin offered 30%

0.55%

8.60%

Gold Overdraft

0.75%

8.80%

10

UCO BUNKAR RIN YOJANA

Rs 50,000 and above and  upto Rs 5.00 Lakh

1.35%

9.40%

11

Prime Minister's Mudra Yojana (PMMY) including Two  wheeler & E - Rickshaw Under MUDRA

For Rs 50,000

0.80%

8.85%

Above Rs 50,000 & upto Rs 20.00 Lakh

1.35%

9.40%

12

UCO PM CREDIT SCHEME FOR POWERLOOM WEAVERS UNDER MUDRA(upto 10 Lakh)

For Rs 50,000

0.80%

8.85%

Above Rs 50,000 & upto Rs 10.00 Lakh

1.35%

9.40%

13

UCO PM CREDIT SCHEME FOR POWERLOOM WEAVERS UNDER STANDUP INDIA

Above 10 Lakh upto 1 Crore

1.80%

9.85%

14

ARTISAN CREDIT CARD

For Rs 50,000

0.80%

8.85%

Above Rs 50,000

1.35%

9.40%

15

SWAROJGAR CREDIT CARD

For Rs 50,000

0.80%

8.85%

Above Rs 50,000

1.35%

9.40%

16

Advances under UCO General Credit Card Scheme (UGCC)

For Rs 50,000

0.80%

8.85%

Above Rs 50,000

1.35%

9.40%

17

UCO Trader Scheme:

a) Total Funded Exposure Rs. 1 Lakh and Above and upto Rs. 1 cr

1.60%

9.65%

b) Total Funded Exposure more than 1 cr

As per Credit rating as under:

Internal Credit Rating

UCO 1

1.80%

9.85%

UCO 2/ UCO 3

2.05%

10.10%

UCO 4/UCO 5

2.15%

10.20%

UCO 6

2.55%

10.60%

Below UCO 6

3.05%

11.10%

18

UCO Udyog Bandhu Scheme:

a) Total Funded Exposure Rs. 1 Lakh and Above and upto Rs. 1 cr

1.60%

9.65%

b) Total Funded Exposure more than 1 cr

As per Credit rating as under:

Internal Credit Rating

UCO 1

1.80%

9.85%

UCO 2/ UCO 3

2.05%

10.10%

UCO 4/UCO 5

2.15%

10.20%

UCO 6

2.55%

10.60%

Below UCO 6

3.30%

11.35%

Applicable ROI for women will be 0.25% less than that of general category.

19

UCO Doctor Scheme

a) Total Funded Exposure up to Rs.1 Lakh and above and upto Rs. 25 Lakhs                     

1.35%

9.40%

b) Total Funded Exposure above Rs. 25 Lakhs and upto Rs. 1 cr

1.80%

9.85%

c) Total Funded Exposure more than 1 cr

As per Credit rating as under:

Internal Credit Rating

UCO 1

1.55%

9.60%

UCO 2/ UCO 3

1.80%

9.85%

UCO 4/UCO 5

1.80%

9.85%

UCO 6

2.30%

10.35%

Below UCO 6

2.80%

10.85%

20

UCO Sanjeevani

1.75%

9.80%

21

UCO Aarogyam

3.00%

11.05%

22

UCO GST MITRA

2.05%

10.10%

Annexure I:Interest Rate structure applicable to existing Retail Schematic Loans & Advances Linked to UCO Float :

UCO Float (5.25+2.80)%

8.05%

w.e.f: 11.12.2025

Particulars

1

UCO CASH

Spread

Effective ROI

UCO Cash Loan: For Central/State Govt Employee (Salary with our Bank)

For Cibil with ≥ 800 score

1.90%

9.95%

For Cibil with ≥775 and ≤799

2.15%

10.20%

For Cibil with ≥750 and ≤774

2.40%

10.45%

For Cibil ≥700 and ≤749

2.65%

10.70%

For Cibil ≥650 and ≤699

3.20%

11.25%

For Cibil ≤649

4.15%

12.20%

UCO Cash Loan: For Central/State Govt Employee (Without Salary Account in our Bank)

For Cibil with ≥ 800 score

2.15%

10.20%

For Cibil with ≥775 and ≤799

2.40%

10.45%

For Cibil with ≥750 and ≤774

2.65%

10.70%

For Cibil ≥700 and ≤749

2.90%

10.95%

For Cibil ≥650 and ≤699

3.40%

11.45%

For Cibil ≤649

4.40%

12.45%

UCO Cash Loan: Other than Govt Employee

For Cibil with ≥ 800 score

2.90%

10.95%

For Cibil with ≥775 and ≤799

3.15%

11.20%

For Cibil with ≥750 and ≤774

3.40%

11.45%

For Cibil ≥700 and ≤749

3.65%

11.70%

For Cibil ≥650 and ≤699

4.15%

12.20%

For Cibil ≤649

5.15%

13.20%

Non Salaried Class

For Cibil with ≥ 800 score

2.90%

10.95%

For Cibil with ≥775 and ≤799

3.15%

11.20%

For Cibil with ≥750 and ≤774

3.40%

11.45%

For Cibil ≥700 and ≤749

3.65%

11.70%

2

UCO Cash STP

Central/State Govt Salaried

825 and above

1.95%

10.00%

800 to 824

2.20%

10.25%

775 to 799

2.40%

10.45%

750 to 774

3.40%

11.45%

Private Salaried

825 and above

2.95%

11.00%

800 to 824

3.20%

11.25%

775 to 799

3.40%

11.45%

750 to 774

4.40%

12.45%

3

UCO Securities

3.10%

11.15%

4

UCO 2-Wheeler

Spread

Effective ROI

(a)   General Category

5.30%

13.35%

(b)   Full Liquid Collateral

4.05%

12.10%

(c)   50% Liquid Collateral

4.75%

12.80%

5

Uco 2-Wheeler Elite

Spread

Effective ROI

For Cibil with ≥ 825 score

0.95%

9.00%

For Cibil with ≥800 and ≤825

1.20%

9.25%

For Cibil with ≥750 and ≤799

1.70%

9.75%

For Cibil ≥721 and ≤749

2.20%

10.25%

6

UCO Gold Loan Scheme (Priority Sector & Non Priorty Sector)

Spread

Effective ROI

Margin Offered

30%

0.75%

8.80%

40%

0.65%

8.70%

Gold Loan OD  30% (NPS)

0.95%

9.00%

Staff Retail- Margin 25%

-0.90%

7.15%

7

Education Loan: UCO Udaan

a

IBA

Spread

Effective ROI

UP TO 7.5 Lacs

2.20%

10.25%

ABOVE 7.5 Lacs

1.70%

9.75%

b

UCO Skill

1.50%

9.55%

c

Education Loan: UCO Udaan

Spread

Effective ROI

For List 'A' Institute with Nil Collateral

-0.40%

7.65%

For List 'B' Institute with Nil Collateral

0.40%

8.45%

For List 'C' Institute with Nil Collateral

2.35%

10.40%

For List 'A' Institute with at least 100% collateral

-0.80%

7.25%

For List 'B' Institute with at least 100% collateral

-0.10%

7.95%

For List 'C' Institute with at least 100% collateral

1.10%

9.15%

For List 'A' Institute with less than 100% collateral

-0.60%

7.45%

For List 'B' Institute with less than 100% collateral

0.15%

8.20%

For List 'C' Institute with less than 100% collateral

1.60%

9.65%

d

Education Loans: Uco Utkarsh

Spread

Effective ROI

For List 'A' Institute with Nil Collateral

-0.30%

7.75%

For List 'B' Institute with Nil Collateral

0.50%

8.55%

For List 'C' Institute with Nil Collateral

2.45%

10.50%

For List 'A' Institute with at least 100% collateral

-0.70%

7.35%

For List 'B' Institute with at least 100% collateral

0.00%

8.05%

For List 'C' Institute with at least 100% collateral

1.20%

9.25%

For List 'A' Institute with less than 100% collateral

-0.50%

7.55%

For List 'B' Institute with less than 100% collateral

0.25%

8.30%

For List 'C' Institute with less than 100% collateral

1.70%

9.75%

e

Education Loan: Uco Aspire 2.0

Spread

Effective ROI

For Webometrics Ranking 'Upto 200' with at least 100 % Collateral

-0.25%

7.80%

For Webometrics Ranking '201-500' with at least 100 % Collateral

0.15%

8.20%

For Webometrics Ranking '501-1500' with at least 100 % Collateral

0.50%

8.55%

For Webometrics Ranking 'Upto 200' with less than 100% Collateral

-0.05%

8.00%

For Webometrics Ranking '201-500' with less than 100% Collateral

0.50%

8.55%

For Webometrics Ranking '501-1500' with less than 100% Collateral

1.00%

9.05%

f

Education Loan: Uco PM Vidyalaxmi

AAA

-1.15%

6.90%

AA

-0.90%

7.15%

A

-0.50%

7.55%

B

0.20%

8.25%

C

0.50%

8.55%

8

PENSION STP

Spread

Effective ROI

a

CUSTOMER

3.50%

11.55%

UCO EX-STAFF

2.50%

10.55%

9

UCO PENSION

Spread

Effective ROI

CUSTOMER

4.00%

12.05%

UCO EX-STAFF

3.00%

11.05%

10

PQPL

Spread

Effective ROI

800 and above

2.70%

10.75%

775 to 799

2.95%

11.00%

750 to 774

3.70%

11.75%

725 to 749

4.20%

12.25%

11

SELECT PLUS

Spread

Effective ROI

800 and above

2.70%

10.75%

775 and above

2.95%

11.00%

750 to 774

3.70%

11.75%

12

UCO AASHRAY

Spread

Effective ROI

>825

-0.05%

8.00%

800-824

0.20%

8.25%

750-799

0.30%

8.35%

700-749

1.20%

9.25%

0,-1,<300

1.20%

9.25%

13

Other Retail Schemes

Spread

Effective ROI

(i)    UCO Swabhimaan

3.30%

11.35%

(ii)    UCO Rent

(a) Owner of our Bank's Branch

2.05%

10.10%

(a) To Owner of our Bank’s Branch Premises or where tenant is PSUs, Reputed Corporates, FI, Insurance Companies and MNCs

2.20%

10.25%

(b) For others - repyament upto 36 Months

2.90%

10.95%

(c) For others - repyament above 36 Months

3.15%

11.20%

(iii)   UCO Shopper

Spread

Effective ROI

  UCO Shopper-salary Tie up/ 100% Liquid security

2.05%

10.10%

  UCO Shopper- other cases

3.05%

11.10%

(iv)  UCO Property- Individuals

Spread

Effective ROI

≥ 825

1.20%

9.25%

≥800 & ≤824

1.45%

9.50%

≥750 & ≤799

1.70%

9.75%

≥700 & ≤749

2.20%

10.25%

≥650 & ≤699

2.70%

10.75%

<650

3.20%

11.25%

(v)  UCO Property-Firms/Companies

Spread

Effective ROI

CMR 1

1.20%

9.25%

CMR 2

1.45%

9.50%

CRM 3 to CMR 4

1.70%

9.75%

CRM 5 to CMR 6

2.20%

10.25%

CMR-7 and Above

2.70%

10.75%

(vi) UCO CA

2.80%

10.85%

14

HOME LOAN

Spread

Strategic Discount

Effective Rate

a

Individuals

For Home Loan (Borrowers with Cibil Score ≥850)

0.05%

-0.95%

7.15%

For Home Loan (Borrowers with Cibil Score ≥825 and ≤849 )               (    

0.15%

-0.95%

7.25%

For Home Loan (Borrowers with Cibil Score ≥800 and ≤824)

0.25%

-0.95%

7.35%

For Home Loan (Borrowers with Cibil Score ≥750 and≤ 799)

0.45%

-0.95%

7.55%

For Home Loan (Borrowers with Cibil Score≥700 and≤ 749)

0.75%

-0.95%

7.85%

For Home Loan (Borrowers with Cibil Score 0-1 or <300)      

0.30%

0.00%

8.35%

For Home Loan (Borrowers with Cibil Score ≥650 and ≤699)

0.80%

0.00%

8.85%

For Home Loan (Borrowers with Cibil Score ≥600 and ≤649)

1.20%

0.00%

9.25%

Addl. Concession Takeover

0.10%

Addl. Concession Women Borrower

0.05%

b

Uco Corporate Home Loan Scheme

Spread

Strategic Discount

Effective Rate

Corporates having Internal Credit Rating UCO5 and above

3.45%

0.00%

11.50%

For Others

4.45%

0.00%

12.50%

c

UCO TOP UP HOME LOAN

Spread

Strategic Discount

Effective Rate

For Customers with Cibil ≥850     

0.10%

0.00%

8.15%

For Customers with CIBIL ≥825 and ≤849

0.45%

0.00%

8.50%

For Customers with CIBIL ≥800 and ≤824

0.70%

0.00%

8.75%

For Customers with CIBIL ≥750 and ≤799

1.05%

0.00%

9.10%

For Customers with CIBIL ≥700 and ≤749

1.20%

0.00%

9.25%

For Customers with CIBIL ≥650 and ≤699

2.70%

0.00%

10.75%

15

UCO CAR/ STP CAR LOAN/ CAR Loan PQVL*

a

Individuals with CIBIL SCORE

Spread

Strategic Discount

Effective Rate

For CIBIL ≥ 825

0.00%

-0.60%

7.45%

For CIBIL ≥800 and ≤824                

0.20%

-0.60%

7.65%

For 750 ≤ CIBIL ≤799

0.30%

-0.60%

7.75%

For 726 ≤ CIBIL ≤749

i)Rate for Category A

0.55%

-0.60%

8.00%

ii)Rate for Category B

0.65%

-0.60%

8.10%

iii)Rate other than for Category A and Category B

0.75%

-0.60%

8.20%

For 700 ≤ CIBIL ≤725

i)Rate for Category A

0.85%

-0.60%

8.30%

ii)Rate for Category B

0.95%

-0.60%

8.40%

iii)Rate other than for Category A and Category B

1.05%

-0.60%

8.50%

For CIBIL 0 - 1 or < 300

i)Rate for Category A

0.10%

0.00%

8.15%

ii)Rate for Category B

0.35%

0.00%

8.40%

iii)Rate other than for Category A and Category B

0.45%

0.00%

8.50%

For CIBIL 650 ≤ CIBIL ≤699

1.00%

0.00%

9.05%

For CIBIL 600 ≤ CIBIL ≤649 (maintaining salary account with us)

1.95%

0.00%

10.00%

*RoI on Car Loan PQVL is applicable only for CIBIL 700 and above, -1, 0, and below 300.

b

BUSINESS CONCERN with CMR Ranking

Spread

Strategic Discount

Effective Rate

CMR 1

0.00%

0.00%

8.05%

CMR 2

0.25%

0.00%

8.30%

CMR 3 to CMR 4

0.50%

0.00%

8.55%

CMR 5 to CMR 6

1.00%

0.00%

9.05%

Not Available

1.50%

0.00%

9.55%

For purchase of Pre-used Car -Purchased from Certified Car Dealer

2% over and above the applicable card rate

For purchase of Pre-used Car - all Others

3% over and above the applicable card rate

c

Based on External Rating

AAA

0.00%

-0.30%

7.75%

AA

0.35%

-0.30%

8.10%

A

0.45%

-0.30%

8.20%

BBB

0.25%

0.00%

8.30%

Others

0.50%

0.00%

8.55%

16

UCO CAR  (EV)/PQVL- EV

a

Individuals with CIBIL SCORE

Spread

Strategic Discount

Effective Rate

For CIBIL ≥ 825

0.00%

-0.70%

7.35%

For CIBIL ≥800 and ≤824                 

0.20%

-0.70%

7.55%

For 750 ≤ CIBIL ≤799

0.30%

-0.70%

7.65%

For 726 ≤ CIBIL ≤749

i)Rate for Category A

0.55%

-0.70%

7.90%

ii)Rate for Category B

0.65%

-0.70%

8.00%

iii)Rate other than for Category A and Category B

0.75%

-0.70%

8.10%

For 700 ≤ CIBIL ≤725

i)Rate for Category A

0.75%

-0.60%

8.20%

ii)Rate for Category B

0.85%

-0.60%

8.30%

iii)Rate other than for Category A and Category B

0.95%

-0.60%

8.40%

For CIBIL 0 - 1 or < 300

i)Rate for Category A

0.00%

0.00%

8.05%

ii)Rate for Category B

0.25%

0.00%

8.30%

iii)Rate other than for Category A and Category B

0.35%

0.00%

8.40%

For CIBIL 650 ≤ CIBIL ≤699

0.90%

0.00%

8.95%

*RoI on Car Loan (EV) PQVL is applicable only for CIBIL 700 and above, -1, 0, and below 300.

b

BUSINESS CONCERN with CMR Ranking

Spread

Strategic Discount

Effective Rate

CMR 1

0.00%

-0.10%

7.95%

CMR 2

0.25%

-0.10%

8.20%

CMR 3 to CMR 4

0.50%

-0.10%

8.45%

CMR 5 to CMR 6

1.00%

-0.10%

8.95%

Not Available

1.50%

-0.10%

9.45%

For purchase of Pre-used Car -Purchased from Certified Car Dealer

2% over and above the applicable card rate

For purchase of Pre-used Car - all Others

3% over and above the applicable card rate

c

Based on External Rating

AAA

0.00%

-0.40%

7.65%

AA

0.35%

-0.40%

8.00%

A

0.45%

-0.40%

8.10%

BBB

0.55%

-0.40%

8.20%

Others

0.80%

-0.40%

8.45%

17

SURYODAYA SCHEME

Spread

Strategic Discount

Effective Rate

a

Loans upto Rs. 2 Lacs

0.00%

-2.30%

5.75%

b

Loans above Rs. 2 Lacs (Individuals Having Home Loan with us )

Applicable card rate for Fresh Home loans

c

Loans above Rs. 2 Lacs (Individuals Not having Home Loan with us )

1.00% over and above applicable card rate for Fresh Home loans

18

Pre Qualified Two wheeler

Spread

Effective ROI

For Cibil with ≥ 825 score

0.95%

9.00%

For Cibil with ≥800 and ≤824

1.20%

9.25%

For Cibil with ≥750 and ≤799

1.70%

9.75%

For Cibil ≥721 and ≤749

2.20%

10.25%

19

UCO Anchal

Central/State Govt salaried maintaining salary with us

800 and above

1.80%

9.85%

775 to 799

2.05%

10.10%

750 to 774, NTC

2.30%

10.35%

700 to 749

2.55%

10.60%

650 to 699

3.10%

11.15%

Central/State Govt salaried NOT maintaining salary with us

800 and above

2.05%

10.10%

775 to 799

2.30%

10.35%

750 to 774, NTC

2.55%

10.60%

700 to 749

2.80%

10.85%

650 to 699

3.35%

11.40%

Private Salaried and Others

800 and above

2.55%

10.60%

775 to 799

2.80%

10.85%

750 to 774, NTC

3.05%

11.10%

700 to 749

3.30%

11.35%

650 to 699

3.85%

11.90%