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Campaign for efficient and quick settlement of unclaimed assets in the financial sector. FESTIVE BONANZA OFFER ENJOY 100% WAIVER OF PROCESSING & DOCUMENATION CHARGES ON HOME LOANS AND CAR LOANS

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Gold Loan Top-up and Repledge – Product Details

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Gold Loan Top-up and Repledge – Product Details

Salient Features Of End-To-End Gold Loan Top-up/Repledge for Eligible Customers

Sl no.

Parameter

Scheme covenants

1

Who are eligible?

UCO Gold Loan customer can avail top-up Gold Loan against existing gold loan accounts and also repledge existing ornaments/Jewellery for another term after paying dues without any branch visit

2

Purpose

All types of personal, business, agricultural needs

3

Quantum of Loan

Rs. 35 Lakhs in each scheme of Retail, Agriculture, and MSME, subject to overall limit of Rs. 100 Lakhs per individual

4

Rate of interest (Retail)

Name	Max. Tenure	Interest Rate
Gold loan Retail-30% margin	12 Months	Uco Float+0.15%
Gold loan Retail-40% margin	12 Months	Uco Float-0.05%

5

Rate of Interest (Agri Category)

Name	Max. Tenure	Interest Rate
Krishi Kanakadhara-Upto 9 Months–15% Margin	9 Months	6 Month MCLR
Krishi Kanakadhara-Above 9 Months 15% Margin	12 Months	1 Year MCLR
Agri & Allied Activities 25 % Margin- above 9 Months	24 Months	1 Year MCLR

6

Rate of interest (MSME Category)

Name	Max. Tenure	Interest Rate
Gold Loan-MSME-30% Margin	12 Months	UCO Float-0.25%

7

Processing Charges

No charges for Gold Loan top-up
For Repledge Loan –
>25,000-Rs 1 Lacs – Rs. 250/-
>Rs 1 Lacs – Rs 2 Lacs – Rs. 350/-
>Rs 2 Lacs – Rs 3 Lacs – Rs. 500/-
>Rs 3 Lacs – Rs 5 Lacs – Rs. 800/-
>Rs 5 Lacs – 0.25% with Max Rs. 4000/
Note:- GST will be applicable on above charges

8

Documentation and pre-payment charges

Nil

9

Repayment

Convenient repayment options and Bullet repayment facility available

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