MCLR Linked Rate

1

DRI Advances

4.00%

2

Agricultural Advances (other than Tea Advances)

Agricultural Advances

(a) Total Funded Exposure up to Rs.25 lacs

1.00%

9.75%

(b) Total Funded Exposure more than to Rs.25 lacs and up to Rs.1.00 crore

2.00%

10.75%

Finance to Rice sellers Total Funded exposure more than Rs 25 lacs and upto Rs 1.00 cr

1.90%

10.65%

(c) Crop loans up to Rs.3 lacs where interest subvention is available

7.00%

Where Govt. Interest Subvention is not available, normal rate of interest for Agricultural Advances as above shall be applicable.

(d) Total Funded Exposure more than Rs.1.00 cr to Rs. 10.00 cr

As per Credit rating as under:

Internal Credit Rating

Spread

Effective Rate( Considering 1 Year MCLR)

UCO 1

1.40%

10.15%

UCO 2 & UCO 3

1.80%

10.55%

UCO 4 & UCO 5

2.05%

10.80%

UCO 6

2.70%

11.45%

UCO 7

3.40%

12.15%

UCO 8 and below

5.60%

14.35%

(e) Total Funded Exposure more than Rs.10.00 cr

As per Credit rating as under:

Internal Credit Rating

Spread

Effective Rate( Considering 1 Year MCLR)

UCO 1

1.30%

10.05%

UCO 2 & UCO 3

1.70%

10.45%

UCO 4 & UCO 5

1.95%

10.70%

UCO 6

2.60%

11.35%

UCO 7

3.30%

12.05%

UCO 8 and below

5.50%

14.25%

Advances under UCO KISAN TATKAL Scheme  (without interest subvention)

0.40%

9.15%

Advances under UCO KISAN BHOOMI VRIDHI
 (Simple rate at half yearly rest)

0.40%

9.15%

Advances under Padhan Mantri Mudra Yojana(PMMY)

0.40%

9.15%

Financing Cold Storage /Warehouses (Spread Revised on 07.08.2025)

ROI for Cash Credit/ Term Loon/ Overdraft facility wherein Internal Credit Rating is not required

MCLR

Spread

Effective ROI*

One Year MCLR

1.00%

9.75%

ROI for Cash Credit/ Term Loan/ Overdraft facility wherein Internal Credit Rating is required

Internal Credit Rating

Spread over One Year MCLR

Effective ROI*

UCO 1, UCO 2 & UCO 3

0.00%

8.75%

UCO 4 & UCO 5

0.15%

8.90%

UCO 6

0.50%

9.25%

UCO 7

1.00%

9.75%

Applicable ROI in case where Internal Rating downgraded and Review/Renewal at existing level

Internal Credit Rating

Spread over One Year MCLR

Effective ROI*

UCO 8 and below

2.50%

11.25%

Note: If corresponding MCLR Tenor is not available, then the next available MCLR tenor will be applicable

3

Tea Advances

Total Funded Exposure -

Spread

Effective Rate( Considering 1 Year MCLR)

(a)  Upto Rs.25 lac

1.00%

9.75%

(b)  Above Rs.25 lac and upto Rs.1.00 Cr.

2.00%

10.75%

(c)   Total Funded Exposure more than Rs.1.00 cr to Rs. 10.00 cr

As per Credit rating as under:

Internal Credit Rating

UCO 1

1.40%

10.15%

UCO 2 & UCO 3

1.80%

10.55%

UCO 4 & UCO 5

2.05%

10.80%

UCO 6

2.70%

11.45%

UCO 7

3.40%

12.15%

UCO 8 and UCO 9

5.60%

14.35%

d) Total Funded Exposure more than Rs.10.00 cr

UCO 1

1.30%

10.05%

UCO 2 & UCO 3

1.70%

10.45%

UCO 4 & UCO 5

1.95%

10.70%

UCO 6

2.60%

11.35%

UCO 7

3.30%

12.05%

UCO 8 and UCO 9

5.50%

14.25%

4

Advances to Micro & Small Enterprises (MSE)

a) Total Funded Exposure up to Rs.25 lacs

1.15%

9.90%

b) Total Funded Exposure more than to Rs.25 lacs and up to Rs.1.00 crore

2.15%

10.90%

c) Total Funded Exposure more than Rs.1.00 crore

As per Credit rating as under:

Internal Credit Rating

UCO 1

1.90%

10.65%

UCO 2 & UCO 3

2.15%

10.90%

UCO 4 & UCO 5

2.15%

10.90%

UCO 6

2.65%

11.40%

Below UCO 6

3.15%

11.90%

Note:

(1)   No internal rating is required upto Rs.25.00 lacs

(2)   CGTMSE may be Covered for loans & advances upto Rs.10.00 crore.

5

UCO Estate Purchase loan Scheme

Rate Of Interest applicable to “Advances to Micro and Small Enterprises(MSE) shall be applicable.

6

UCO Udyog Bandhu Scheme

Total Funded Exposure:-

Spread

Effective Rate( Considering 1 Year MCLR)

(a) Upto Rs 10.00 Lac

0.15%

8.90%

(b) Above Rs 10.00 Lac and upto Rs 1.00 Crore

1.15%

9.90%

(c) Above Rs 1.00 Crore

As per Credit Rating as under:

Internal Credit Rating

Spread over One year MCLR

Effective rate

General

Women Entrepreneurs

UCO 1

1.90%

10.65%

10.40%

UCO 2 to UCO 5

2.15%

10.90%

10.65%

UCO 6

2.65%

11.40%

11.15%

Below UCO 6

3.15%

11.90%

11.65%

7

UCO Mahila Utthan Scheme

Spread

Effective Rate( Considering 1 Year MCLR)

Cash credit Facility

0.15%

8.90%

8

Retail Trade Advances other than “UCO Trader Scheme”

(a) Upto Rs 25 lac

1.15%

9.90%

(b) Above Rs 25 lacs upto Rs 2 Crore

2.15%

10.90%

(c) Above Rs 2 Crore

As per credit rating as under:

i.    UCO 1

2.40%

11.15%

ii.   UCO 2/UCO 3/UCO 4/UCO 5

2.65%

11.40%

iii.  UCO 6

3.15%

11.90%

iv.  Below UCO 6

3.65%

12.40%

Note:

(1) No Credit Rating is required for loans upto to Rs 100 Lacs

(2) Minimum Credit Rating required for allowing such loans above Rs. 100 lacs to Rs 200 lacs would be UCO 4.

9

Advances to Micro-Finance Institutions (MFIs)

Internal Rating

Spread

Effective Rate( Considering 1 Year MCLR)

UCO 1 / UCO 2  / UCO 3

2.15%

10.90%

UCO 4  & below

3.15%

11.90%

10

Advances under UCO General Credit Card Scheme (UGCC)

0.15%

8.90%

11

UCO Commercial Vehicle Finance Scheme

For Loans -

Spread

Effective Rate( Considering 1 Year MCLR)

(a)    Upto Rs.25 lacs

1.15%

9.90%

(b)    Above Rs.25 lacs and up to Rs.1.00 cr

2.15%

10.90%

12

ROI for Education Loans, UCO Doctor Scheme, Housing Loans and Retail Trade Advances has been given separately. Presently these loans are linked with UCO Float Rate.

13

All other Priority Sector Advances

Spread

Effective Rate( Considering 1 Year MCLR)

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

1.90%

10.65%

b) Total Funded Exposure more than Rs.50,000/- & up to Rs.2 lacs

2.40%

11.15%

c) Total Funded Exposure more than Rs 2 lacs & up to Rs 5 lacs

3.95%

12.70%

d) Total Funded Exposure more than Rs.5 lacs &  upto Rs.25 lacs

4.15%

12.90%

e) Total Funded Exposure more than Rs.25 lac

As per Credit rating for General Advances

14

Education Loans:

Upto Rs.7.50 lacs

2.25%

11.00%

More than Rs.7.50 lacs

2.65%

11.40%

Vocational Education Loan Scheme

2.90%

11.65%

Students satisfying DRI norms - Any Amount

4.00%

Students satisfying 60% handicapped criteria  - Any Amount

4.00%

UCO premium Education Loan Scheme

1.40%

10.15%

UCO Super Premier Education Loan Scheme

0.25%

9.00%

15

 UCO Trader Scheme:

ROI to Loans and Advances under UCO Trader Scheme

Total Funded Exposure -

(a)  Upto Rs.1.00 Crore

1.15%

9.90%

(b)   Above Rs.1.00 Crore upto rs 5 Crore

As per Credit rating as under:

Internal Credit Rating

UCO 1

2.15%

10.90%

UCO 2/ UCO 3 / UCO 4 / UCO 5

2.40%

11.15%

UCO 6

2.65%

11.40%

Below UCO 6

2.95%

11.70%

16

Advances to Medium Enterprises

a) Total Funded Exposure up to Rs.1.00 crore

2.15%

10.90%

b) Total Funded Exposure more than Rs.1.00 crore

As per Credit rating as under:

Internal Credit Rating

UCO 1

1.90%

10.65%

UCO 2 & UCO 3

2.15%

10.90%

UCO 4 & UCO 5

2.15%

10.90%

UCO 6

2.65%

11.40%

Below UCO 6

3.15%

11.90%

Note: No internal rating is required upto Rs.25.00 lacs

17

UCO Doctor Scheme

For Loans -

(a)    Upto Rs.25 lacs

1.15%

9.90%

(b)    Above Rs.25 lacs and up to Rs.1.00 cr

2.15%

10.90%

(c)    Above Rs.1.00 crore

As per Credit rating as under:

Internal Credit Rating

UCO 1

1.90%

10.65%

UCO 2 / UCO 3

2.15%

10.90%

UCO 4 / UCO 5

2.15%

10.90%

UCO 6

2.65%

11.40%

Below UCO 6

3.15%

11.90%

Note: CGTMSE may be Covered for loans upto Rs.10.00 crore.

18

Interest Rate Structure for Special Category (Secured) Advances

Facilities having maturity period upto 1 year

a)  Non Priority Sector Personal Loans

7.90%

16.65%

b)  Loans to individuals against Shares

4.90%

13.65%

c)  Margin Trading Finance

7.90%

16.65%

d)  Loans to Landlords of Bank Premises

     Upto Rs.2 lac

5.90%

14.65%

     Above Rs.2 lac upto and inclusive of Rs.5 lac

6.30%

15.05%

     Above Rs.5 lac upto and inclusive of Rs.10 lac

6.80%

15.55%

     Above Rs.10 lac

7.20%

15.95%

g)  Finance granted to intermediary agencies (*)

For on-lending to ultimate beneficiaries and agencies (as indicated below excluding those of housing) providing input support.

4.90%

13.65%

Finance granted to housing finance intermediary agencies for on- lending to ultimate beneficiaries.

4.90%

13.65%

Loans under refinance schemes of term lending institutions

Interest to be charged as per stipulations of the Refinancing Agencies

Note: Interest rate on refinance for “Self- Help Groups” may be fixed on the basis of per capita size of the loan. They will not receive any additional interest rate reduction.

(*) List of Intermediary Agencies

(1)    State sponsored organizations for on-lending to weaker Sections. Weaker sections include:

a)      Small & marginal farmers with landholdings of 5 acres or less, landless labourers, tenant farmers and share croppers.

b)      Artisans, village and cottage industries where individual credit requirements do not exceed Rs 50,000/-.

c)      Beneficiaries of Swarnjayanti Gram Swarozgar Yojana (SGSY);

d)      Scheduled castes and scheduled tribes.

e)      Beneficiaries of Differential Rate of Interest (DRI) scheme;

f)     Beneficiaries under Swarna Jayanti Shahari Rozgar Yojana (SJSRY);

g)       Beneficiaries under scheme of liberation and rehabilitation of scavengers (SLRs).

h)      Advances to Self-Help Groups (SHGs);

i)     Loans to distressed poor to repay their debt to informal sector, against appropriate collateral or group security;

(2)       Distributors of agricultural inputs/implements.

(3)       State Financial Corporations (SFCs) / State Industrial Development Corporations (SIDCs) to the extent they provide credit to weaker sections.

(4)       National Small Industries Corporations (NSIC).

(5)       Khadi and Village Industries Commission (KVIC).

(6)       Agencies involved in assisting the decentralized sector.

(7)       State sponsored organizations for on-lending to weaker sections.

(8)       Housing and Urban Development Corporation Ltd (HUDCO).

(9)       Housing Finance Companies approved by National Housing Bank (NHB) for refinance.

(10)   State sponsored organizations for SCs / STs (for purchase and supply of inputs to and / or marketing output of the beneficiaries of these organizations).

(11)   Non-Government Organizations (NGOs) on-lending to SHGs.

19

Interest Rate Structure for General (Secured) Advances

Facilities having maturity period upto 1 year

(iii) Total Funded Exposure upto 1 crs

As per Credit rating as under:

Internal Credit Rating

UCO1

2.00%

10.75%

 UCO2 / UCO 3

2.40%

11.15%

UCO 4 / UCO 5

2.65%

11.40%

UCO 6

3.50%

12.25%

UCO 7

4.30%

13.05%

Below UCO 7

5.50%

14.25%

(iv) Total Funded Exposure more than Rs 1.00 cr  to  upto 10 crs

UCO1

1.90%

10.65%

 UCO2 / UCO 3

2.30%

11.05%

UCO 4 / UCO 5

2.55%

11.30%

UCO 6

3.40%

12.15%

UCO 7

4.20%

12.95%

Below UCO 7

5.50%

14.25%

(v) Total Funded Exposure more than Rs 10.00 cr 

UCO1

1.80%

10.55%

 UCO2 / UCO 3

2.20%

10.95%

UCO 4 / UCO 5

2.45%

11.20%

UCO 6

3.30%

12.05%

UCO 7

4.10%

12.85%

Below UCO 7

5.50%

14.25%

20

Retail and other Schemes

a

UCO Cash

a) UCO Cash -for Men

3.25%

12.00%

b) UCO Cash - for Women

3.00%

11.75%

b

UCO Pensioner

General Public

3.40%

12.15%

UCO Bank Staff Pensioners

2.40%

11.15%

c

UCO Securities

3.50%

12.25%

d

UCO 2-Wheeler

(a)   General Category

4.65%

13.40%

(b)   Full Liquid Collateral

3.65%

12.40%

(c)   50% Liquid Collateral

4.15%

12.90%

e

HOME LOAN

For Home Loan upto Rs 30 Lac

0.00%

8.75%

For Home Loan above Rs 30 lac and upto  Rs 75 Lac

0.10%

8.85%

For Home Loan above  Rs 75 Lac

0.25%

9.00%

UCO Corporate Home Loan- Corporates having internal rating  UCO 3 and above

2.15%

10.90%

UCO Corporate Home Loan- others

3.15%

11.90%

UCO top up Home Loan

1.40%

10.15%

f

UCO Car 

For purchase of new Car having repayment period upto 7 years

0.65%

9.40%

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

1.75%

10.50%

For purchase of Pre-used Car - all Others

2.25%

11.00%

UCO Car Loan Combo Scheme

0.40%

9.15%

g

UCO Gold Loan Scheme

Priority Sector

(a)  Gold Loans (PS) for Agriculture & Allied Activities which are taken as demand loan- 25% Margin - upto 24 Months

0.00%

8.75%

(b)  Gold Loans (PS) for Agriculture & Allied Activities which are taken as Overdraft- 25% Margin

0.20%

8.95%

(c)  UCO Krishi Kanakdhara - 15% Margin > 6 M upto 12 M

0.10%

8.75%

(d)  UCO Krishi Kanakdhara - 15% Margin < 6 M

0.00%

8.65%

h

Other Schemes

(i)    UCO Swabhiman

2.90%

11.65%

(ii)    UCO Rent

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

1.55%

10.30%

(b) For others - repyamenrt upto 36 Months

2.25%

11.00%

(c) For others - repyamenrt above 36 Months

2.50%

11.25%

(d) Commercial Real Estate

2.75%

11.50%

(iii)   UCO Earnest Money

1.70%

10.45%

(iv)    Commercial Real Estate

Separetely given below

(v)    UCO Real Estate

6.30%

15.05%

(vi)   UCO Shopper-salary Tie up/ 100% Liquid security

1.40%

10.15%

         UCO Shopper- other cases

2.40%

11.15%

(vii)  UCO Property- Priority Sector

2.40%

11.15%

         UCO Property- Non Priority Sector

3.40%

12.15%

(viii) UCO CA

2.40%

11.15%

i

 Unsecured Loans and Advances

Facilities having maturity period upto 1 Year

(i) Total Funded Exposure upto 1 crs

As per Credit rating as under:

Internal Credit Rating

UCO1

2.50%

11.25%

 UCO2 / UCO 3

3.15%

11.90%

UCO 4 / UCO 5

3.40%

12.15%

UCO 6

4.50%

13.25%

UCO 7

5.45%

14.20%

Below UCO 7

6.50%

15.25%

(ii) Total Funded Exposure more than Rs 1.00 cr  to  upto 10 crs

UCO1

2.40%

11.15%

 UCO2 / UCO 3

3.05%

11.80%

UCO 4 / UCO 5

3.30%

12.05%

UCO 6

4.40%

13.15%

UCO 7

5.35%

14.10%

Below UCO 7

6.50%

15.25%

(iii) Total Funded Exposure more than Rs 10.00 cr 

UCO1

2.30%

11.05%

 UCO2 / UCO 3

2.95%

11.70%

UCO 4 / UCO 5

3.20%

11.95%

UCO 6

4.30%

13.05%

UCO 7

5.25%

14.00%

Below UCO 7

6.50%

15.25%

j

Any other Loans and Advances not Specified above

Facilities having maturity upto 1 year

8.80%

17.55%

Facilities having maturity above 1 year and upto 7 years

9.00%

17.75%

Facilities having  maturity more than 7 years

9.30%

18.05%

21

Loan against Bank’s Own Term Deposits

Loans against own  Term Deposits *

1% above the deposit rate

22

Discounting of Bills under  Letters of Credit

(i)Discounting of Bills under inland  Letters of Credit

MCLR

MCLR Rate

Spread

Effective Rate

         For Sight / Usance period upto 90 days

3 months MCLR

8.40%

0.00%

8.40%

         For Usance period above 90 days to 180 days

6 months MCLR

8.65%

0.00%

8.65%

        For Usance period above 180 days to 365 days (Applicable for bills under Domestic Letter of Credit)

One Year MCLR

8.75%

0.75%

9.50%

(ii)Discounting of Bills under foreign  Letters of Credit

         (A)   When financing is in Indian Rupees

MCLR

MCLR Rate

Spread

Effective rate

                  For Sight / Usance period upto 90 days

3 months MCLR

8.40%

0.00%

8.40%

                  For Usance period above 90 days to 180 days

6 months MCLR

8.65%

0.00%

8.65%

          (B)  When financing is in foreign currency

As per RBI guidelines from time to time

23

Export Credit

Pre Shipment

MCLR

MCLR Rate

Spread

Effective rate

Upto 270 days

6 months MCLR

8.65%

1.00%

9.65%

Beyond 270 days and upto 360 days

6 months MCLR

8.65%

1.25%

9.90%

Against incentive receivable from GOI up to 90 days

3 months MCLR

8.40%

1.05%

9.45%

Post Shipment

MCLR

MCLR Rate

Spread

Effective rate

On Demand Bills for transit period

Overnight MCLR

7.90%

1.20%

9.10%

Usance Bills upto notional due date whichever is earlier

Upto 180 days

3 months MCLR

8.40%

1.50%

9.90%

More than 180 days to 365 days

6 months MCLR

8.65%

1.45%

10.10%

Against Govt. incentive Recivable from GOI upto 90 days

3 months MCLR

8.40%

1.05%

9.45%

Against undrawan balance upto 90 days

3 months MCLR

8.40%

1.05%

9.45%

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

6 months MCLR

8.65%

1.00%

9.65%

Export not otherwise specified(ECNOS)

Pre-shipment

1 Year MCLR

8.75%

5.95%

14.70%

Post-shipment

1 Year MCLR

8.75%

5.95%

14.70%

Note- 1)The Loans under Retail, MSME, Specific Agriculture Schemes (Scheme for financing to Rice Shellers, UCO Agro and Food Processing Units and Agriculture Advance Under UCO - PM-FME ) would only be inked to Repo linked UCO FLOAT Rate.

24

Commercial Real Estate

(i) Spread over 1 Year MCLR CRE- Residential Housing

Facility having maturity upto 1 year

INTERNAL RATING

Upto 1cr

Above 1 cr to 10 Cr

Above 10 cr

UCO1

2.00%

1.90%

1.80%

UCO2 / UCO 3

2.40%

2.30%

2.20%

UCO 4 / UCO 5

2.65%

2.55%

2.45%

UCO 6

3.50%

3.40%

3.30%

UCO 7

4.30%

4.20%

4.10%

BELOW UCO 7

5.50%

5.50%

5.50%

(ii) Spread over 1 Year MCLR CRE-Others

Facility having maturity upto 1 year

INTERNAL  RATING

Upto 1cr

Above 1 cr to 10 Cr

Above 10 cr

UCO1

2.25%

2.15%

2.05%

UCO2 / UCO 3

2.65%

2.55%

2.45%

UCO 4 / UCO 5

2.90%

2.80%

2.70%

UCO 6

3.75%

3.65%

3.55%

UCO 7

4.55%

4.45%

4.35%

BELOW UCO 7

5.75%

5.75%

5.75%

Spread for Central Govt/State Govt./Central Govt Guranteed /State Govt Guranteed Account

(i) SPREAD In case of direct exposure to Central/State governments or Central government guaranteed accounts

Internal Credit Rating

Spread

Effective ROI

Facility having maturity upto 1 year

UCO1 to  UCO3

1.00%

9.75%

UCO 4 to  UCO6

1.25%

10.00%

 UCO 7 & Below

1.50%

10.25%

(ii) In case of State governments guaranteed accounts, Central PSUs, Bodies or Corporations incorporated by central government and other corporate customers having AAA rating

Facility having maturity upto 1 year

UCO1 to  UCO3

1.25%

10.00%

UCO 4 to  UCO6

1.50%

10.25%

 UCO 7 & Below

1.75%

10.50%

(iii) Spread incase of State Government undertaking with rating AA & A and  Corporates with rating AA & A.

Facility having maturity upto 1 year

Spread

INTERNAL Rating

Up to 1 year

UCO1

1.25%

UCO2 / UCO 3

1.45%

UCO 4 / UCO 5

1.65%

UCO 6

1.75%

UCO 7

2.00%

Below UCO 7

4.00%

* Unrated means account eligible for External rating or otherwise

(iv) In case of State Govt. PSU with no State Governemnt Guarantee and rating BBB and below, final spread for such category of Advances

Spread for up to 1 year

INTERNAL  RATING

Above 1 crore to 10 crore

Above10 crore

UCO1

1.85%

1.75%

UCO2 / UCO 3

2.10%

2.00%

UCO 4 / UCO 5

2.50%

2.40%

UCO 6

3.30%

3.20%

UCO 7

4.10%

4.00%

Below UCO 7

4.50%

4.40%

25

Revised Rate of Interest (ROI) structure under PM-KUSUM Scheme: Component A, B & C.

Particulars

Spread Over

Effective ROI*

One-year MCLR

Total Funded Exposure up to Rs.25 lakhs

1.00%

9.75%

Above Rs.25 lacs and up to Rs.50 lakhs

1.50%

10.25%

Rating

For Loan above Rs.50 lakhs

Above 75% collateral security

Above 50% and up to 75% collateral security

Below 50% collateral security

NIL collateral security

Spread over One Year MCLR

Effective ROI*

Spread over One Year MCLR

Effective ROI*

Spread over One Year MCLR

Effective ROI*

Spread over One Year MCLR

Effective ROI*

UCO 1

0.00%

8.75%

0.20%

8.95%

0.55%

9.30%

0.80%

9.55%

UCO 2 & UCO 3

0.00%

8.75%

0.30%

9.05%

0.65%

9.40%

0.90%

9.65%

UCO 4 & UCO 5

0.15%

8.90%

0.35%

9.10%

0.75%

9.50%

1.00%

9.75%

UCO 6

0.20%

8.95%

0.45%

9.20%

1.00%

9.75%

1.50%

10.25%

UCO 7

1.00%

9.75%

1.50%

10.25%

2.00%

10.75%

2.50%

11.25%

UCO 8 and below

2.50%

11.25%

3.00%

11.75%

3.50%

12.25%

3.50%

12.25%

26

SHG SAMRIDDHI YOJANA

Spread over 1 Year MCLR

RoI

2%

10.75%

27

KRISHI UNNATI YOJANA

Particulars

Spread over 3 Month MCLR

RoI

Upto Rs. 50 Lakhs

0%

8.40%

RoI wherein Internal Credit Rating is required

Rating

For Loan above Rs.50 lakhs and upto Rs. 100 Crores

Above 75% collateral security

40% and above but below 75% collateral security

25% and above but below 40% collateral security

Spread over 3 Month MCLR

Effective ROI*

Spread over 3 Month MCLR

Effective ROI*

Spread over 3 Month MCLR

Effective ROI*

UCO 1 & UCO 2

0.10%

8.50%

0.20%

8.60%

0.30%

8.70%

UCO 3 & UCO 4

0.20%

8.60%

0.30%

8.70%

0.40%

8.80%

UCO 5

0.30%

8.70%

0.40%

8.80%

0.50%

8.90%

UCO 6

0.40%

8.80%

0.50%

8.90%

0.60%

9.00%

UCO 7

1.00%

9.40%

1.20%

9.60%

1.40%

9.80%

UCO 8 and below

2.00%

10.40%

2.50%

10.90%

3.00%

11.40%

28

UCO NATIONAL LIVELIHOOD MISSION- UCO NLM

Particulars

Spread over 1 year MCLR

RoI

Total exposure Upto Rs. 25 Lakhs

0%

8.75%

Total exposure Above Rs. 25 Lakhs and upto Rs. 50 lakhs

1.00%

#REF!

Total exposure Above Rs. 50 Lakhs as per rating as under :

Internal Credit Rating

Spread over 1 year MCLR

RoI

UCO 1 and UCO 2

0.50%

9.25%

UCO 3 and UCO 4

0.75%

9.50%

UCO 5

1.00%

9.75%

UCO 6

1.25%

10.00%

UCO 7

2.00%

10.75%

UCO 8 and below

2.50%

11.25%

29

UCO PRADHAN MANTRI MATSYA SAMPADA YOJANA- UCO PMMSY

Particulars

Spread over 1 year MCLR

RoI

Total exposure Upto Rs. 25 Lakhs

0%

8.75%

Total exposure Above Rs. 25 Lakhs and upto Rs. 1 cr

1%

9.75%

Total exposure Above Rs. 1 Crore as per rating as under;

ICR

Spread over 1 year MCLR

RoI

UCO 1 and UCO 2

0.50%

9.25%

UCO 3

0.75%

9.50%

UCO 4 and UCO 5

1.00%

9.75%

UCO 6

1.25%

10.00%

UCO 7

2.00%

10.75%

UCO 8 and below

2.50%

11.25%

30

Additional Risk Premium (Additional Over above mentioned spreads for Term Loans)

Tenor

Tenor Premium

Upto 1  Year

NIL

Above 1 year and upto 5 years

0.15%

above 5 Year and upto 7 years

0.20%

Above 7 Years

0.50%