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MSME Products

Rate of Interest (MSME)
Interest Rate structure applicable to different products / categories of Loans and Advances Linked to UCO Float :
UCO Float (5.50+2.80)%			8.30%	w.e.f: 28.06.2025
	Particulars
1	Advances to MSME		Spread		Effective rate
	a) Total Funded Exposure up to Rs.50,000		1.00%		9.30%
	b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh		1.50%		9.80%
	c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00 Cr		2.00%		10.30%
	d) Total Funded Exposure more than Rs.1.00 crore		As per Credit rating as under:
	Internal Credit Rating		Above 1 Cr to 10 Cr		Above 10 Cr
	Internal Credit Rating		Spread	Effective rate	Spread	Effective rate
	UCO 1		1.65%	9.95%	1.60%	9.90%
	UCO 2/UCO 3		1.95%	10.25%	1.90%	10.20%
	UCO 4/UCO 5		2.00%	10.30%	1.95%	10.25%
	UCO 6		2.45%	10.75%	2.40%	10.70%
	UCO 7		3.25%	11.55%	3.15%	11.45%
	UCO 8 to UCO 10		3.25%	11.55%	4.15%	12.45%
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%		10.30%
	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%	10.20%	1.85%	10.15%
	UCO 2/UCO 3		2.20%	10.50%	2.15%	10.45%
	UCO 4/UCO 5		2.50%	10.80%	2.45%	10.75%
	UCO 6		2.95%	11.25%	2.90%	11.20%
	UCO 7		3.50%	11.80%	3.40%	11.70%
	UCO 8 to UCO 10		4.50%	12.80%	4.40%	12.70%
3	Advances for Export Credit to MSME linked to UCO Float
	Pre Shipment		Spread		Effective rate
	Upto 270 days		0.40%		8.70%
	Beyond 270 days and upto 360 days		0.55%		8.85%
	Against incentive receivable from GOI up to 90 days		0.35%		8.65%
	Post Shipment
	On Demand Bills for transit period		0.35%		8.65%
	Usance Bills upto notional due date whichever is earlier
	Upto 180 days		0.35%		8.65%
	More than 180 days to 365 days		0.55%		8.85%
	Against Govt. incentive Receivable from GOI upto 90 days		0.35%		8.65%
	Against undrawn balance upto 90 days		0.35%		8.65%
	Against retention money payable within 01 year for DOS ( for supplies upto 90 days)		0.40%		8.70%
	Export not otherwise specified (ECNOS)
	Pre-shipment		5.25%		13.55%
	Post-shipment		5.25%		13.55%
4	UCO Vyapar Samridhi
	a) Total Funded Exposure Rs 1 Lakh and above and upto Rs 10 Lakh		1.60%		9.90%
			1.60%		9.90%
	b) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00 Cr		2.05%		10.35%
5	Mukhya Mantri Swavlamban Yojana
	a) Total Funded Exposure up to Rs.50,000		1.05%		9.35%
	b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh		1.60%		9.90%
	b) Above Rs 10 lacs and upto Rs 40 lacs		2.05%		10.35%
6	UCO Roop Sangam
	a) Total Funded Exposure up to Rs.50,000		1.05%		9.35%
	b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh		1.60%		9.90%
7	PMEGP
	a) Total Funded Exposure up to Rs.50,000		1.05%		9.35%
	b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh		1.60%		9.90%
	b) Above Rs 10 lacs		1.20%		9.50%
8	PMSVANidhi
8	Total Exposure up to Rs 50,000		1.85%		10.15%
9	UCO MSME GOLD Loan Scheme
	Type of Loan and Margin		Spread		Effective RoI
	Demand Loan 30% Margin		0.40%		8.70%
	OverDraft 30% Margin		0.60%		8.90%
10	UCO BUNKAR RIN YOJANA
10	Rs 50,000 and above and upto Rs 5.00 Lakh		1.35%		9.65%
11	Prime Minister's Mudra Yojana (PMMY) including Two wheeler & E - Rickshaw Under MUDRA
	For Rs 50,000		0.80%		9.10%
	Above Rs 50,000 & upto Rs 20.00 Lakh		1.35%		9.65%
12	UCO PM CREDIT SCHEME FOR POWERLOOM WEAVERS UNDER MUDRA(upto 10 Lakh)
	For Rs 50,000		0.80%		9.10%
	Above Rs 50,000 & upto Rs 10.00 Lakh		1.35%		9.65%
13	UCO PM CREDIT SCHEME FOR POWERLOOM WEAVERS UNDER STANDUP INDIA
13	Above 10 Lakh upto 1 Crore		1.80%		10.10%
14	ARTISAN CREDIT CARD
	For Rs 50,000		0.80%		9.10%
	Above Rs 50,000		1.35%		9.65%
15	SWAROJGAR CREDIT CARD
	For Rs 50,000		0.80%		9.10%
	Above Rs 50,000		1.35%		9.65%
16	Advances under UCO General Credit Card Scheme (UGCC)
	For Rs 50,000		0.80%		9.10%
	Above Rs 50,000		1.35%		9.65%
17	UCO Trader Scheme:
	a) Total Funded Exposure Rs. 1 Lakh and Above and upto Rs. 1 cr		1.60%		9.90%


	b) Total Funded Exposure more than 1 cr		As per Credit rating as under:
	Internal Credit Rating		As per Credit rating as under:
	UCO 1		1.80%		10.10%
	UCO 2/ UCO 3		2.05%		10.35%
	UCO 4/UCO 5		2.15%		10.45%
	UCO 6		2.55%		10.85%
	Below UCO 6		3.05%		11.35%
18	UCO Udyog Bandhu Scheme:
	a) Total Funded Exposure Rs. 1 Lakh and Above and upto Rs. 1 cr		1.60%		9.90%
	b) Total Funded Exposure more than 1 cr		As per Credit rating as under:
	Internal Credit Rating		As per Credit rating as under:
	UCO 1		1.80%		10.10%
	UCO 2/ UCO 3		2.05%		10.35%
	UCO 4/UCO 5		2.15%		10.45%
	UCO 6		2.55%		10.85%
	Below UCO 6		3.30%		11.60%
	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%		9.65%
	b) Total Funded Exposure above Rs. 25 Lakhs and upto Rs. 1 cr		1.80%		10.10%
	c) Total Funded Exposure more than 1 cr		As per Credit rating as under:
	Internal Credit Rating		As per Credit rating as under:
	UCO 1		1.55%		9.85%
	UCO 2/ UCO 3		1.80%		10.10%
	UCO 4/UCO 5		1.80%		10.10%
	UCO 6		2.30%		10.60%
	Below UCO 6		2.80%		11.10%
20	UCO Sanjeevani		1.75%		10.05%
21	UCO Aarogyam		3.00%		11.30%
22	UCO GST MITRA		2.05%		10.35%
23	UCO START UP SCHEME:
	a) For credit facility above ₹10 Lakhs and up to ₹100 Lakhs, Rate of Interest (RoI) will be linked to Commercial CIBIL MSME Rank (CMR) of the Borrower.
	RoI Structure
	Commercial CIBIL MSME Rank (CMR)		Rate of Interest (RoI)
	(For Firm/Company)		Spread	Effective rate
	CMR-1	UFR + Spread	1.10%	9.40%
	CMR-2	UFR + Spread	1.40%	9.70%
	CMR-3	UFR + Spread	1.70%	10.00%
	CMR-4	UFR + Spread	2.00%	10.30%
	CMR-5	UFR + Spread	2.30%	10.60%
	CMR-6	UFR + Spread	2.85%	11.15%
	b) For credit facility above ₹100 Lakhs, Rate of Interest (RoI) will be linked to Commercial CIBIL MSME Rank (CMR) of the Borrower which is interlinked with Internal Credit Rating.
	RoI Structure
	Internal Credit Rating	Commercial CIBIL MSME Rank (CMR)	Rate of Interest (RoI)	Spread	Effective rate
	UCO 1	CMR-1	UFR + Spread	1.10%	9.40%
		CMR-2	UFR + Spread	1.15%	9.45%
		CMR-3	UFR + Spread	1.20%	9.50%
		CMR-4	UFR + Spread	1.25%	9.55%
		CMR-5	UFR + Spread	1.30%	9.60%
		CMR-6	UFR + Spread	1.60%	9.90%
	UCO 2/UCO 3	CMR-1	UFR + Spread	1.40%	9.70%
		CMR-2	UFR + Spread	1.45%	9.75%
		CMR-3	UFR + Spread	1.50%	9.80%
		CMR-4	UFR + Spread	1.55%	9.85%
		CMR-5	UFR + Spread	1.60%	9.90%
		CMR-6	UFR + Spread	1.90%	10.20%
	UCO 4/UCO 5	CMR-1	UFR + Spread	1.70%	10.00%
		CMR-2	UFR + Spread	1.75%	10.05%
		CMR-3	UFR + Spread	1.90%	10.20%
		CMR-4	UFR + Spread	1.95%	10.25%
		CMR-5	UFR + Spread	2.00%	10.30%
		CMR-6	UFR + Spread	2.30%	10.60%
	UCO 6	CMR-1	UFR + Spread	2.10%	10.40%
		CMR-2	UFR + Spread	2.20%	10.50%
		CMR-3	UFR + Spread	2.25%	10.55%
		CMR-4	UFR + Spread	2.30%	10.60%
		CMR-5	UFR + Spread	2.60%	10.90%
		CMR-6	UFR + Spread	2.65%	10.95%
	UCO 7	CMR-1	UFR + Spread	2.45%	10.75%
		CMR-2	UFR + Spread	2.50%	10.80%
		CMR-3	UFR + Spread	2.55%	10.85%
		CMR-4	UFR + Spread	2.60%	10.90%
		CMR-5	UFR + Spread	2.90%	11.20%
		CMR-6	UFR + Spread	2.95%	11.25%
24	UCO VAHAN SCHEME
	a) For credit facility up to ₹100 Lakhs, Rate of Interest (RoI) will be linked to Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) of the Borrower.
	Rate of Interest (RoI)
	For Loans up to ₹100 Lakhs – Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
	Consumer CIBIL Score	Commercial CIBIL MSME Rank (CMR) for Firm / company	Rate of Interest (RoI)	Spread	Effective rate
	(For Individual)	Commercial CIBIL MSME Rank (CMR) for Firm / company	Rate of Interest (RoI)	Spread	Effective rate
	800 and above	CMR-1	UFR + Spread	0.80%	9.10%
	750 and above but up to 799	CMR-2	UFR + Spread	1.10%	9.40%
	725 and above but up to 749	CMR-3	UFR + Spread	1.30%	9.60%
	700 and above but up to 724	CMR-4	UFR + Spread	1.50%	9.80%
	675 and above but up to 699	CMR-5	UFR + Spread	2.05%	10.35%
	650 and above but up to 674	CMR-6	UFR + Spread	2.25%	10.55%

	b) For credit facility above ₹100 Lakhs, Rate of Interest (RoI) will be linked to Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) of the Borrower which is interlinked with Internal Credit Rating.
	Rate of Interest (RoI)
	For Loans above ₹100 Lakhs – Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
	Consumer CIBIL Score	Commercial CIBIL MSME Rank (CMR)	Spread Over UCO Float - Based on Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
	(For Individual)	(For Firm/Company/Other than Individual)
	(For Individual)	(For Firm/Company/Other than Individual)	UCO 1	UCO 2 and UCO 3	UCO 4 & UCO 5	UCO 6	UCO 7
	800 and above	CMR-1	0.80%	1.10%	1.40%	2.05%	2.40%
	750 and above but up to 799	CMR-2	0.85%	1.15%	1.45%	2.15%	2.45%
	725 and above but up to 749	CMR-3	0.90%	1.20%	1.60%	2.20%	2.50%
	700 and above but up to 724	CMR-4	0.95%	1.25%	1.65%	2.25%	2.55%
	675 and above but up to 699	CMR-5	1.25%	1.55%	1.95%	2.30%	2.60%
	650 and above but up to 674	CMR-6	1.30%	1.60%	2.00%	2.35%	2.65%
	For Loans above ₹100 Lakhs – Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
	Consumer CIBIL Score	Commercial CIBIL MSME Rank (CMR)	Effective Rate of Interest - Based on Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
	(For Individual)	(For Firm/Company/Other than Individual)

			UCO 1	UCO 2 and UCO 3	UCO 4 & UCO 5	UCO 6	UCO 7
	800 and above	CMR-1	9.10%	9.40%	9.70%	10.35%	10.70%
	750 and above but up to 799	CMR-2	9.15%	9.45%	9.75%	10.45%	10.75%
	725 and above but up to 749	CMR-3	9.20%	9.50%	9.90%	10.50%	10.80%
	700 and above but up to 724	CMR-4	9.25%	9.55%	9.95%	10.55%	10.85%
	675 and above but up to 699	CMR-5	9.55%	9.85%	10.25%	10.60%	10.90%
	650 and above but up to 674	CMR-6	9.60%	9.90%	10.30%	10.65%	10.95%
25	UCO e-VAHAN scheme
	a) For credit facility up to ₹100 Lakhs, Rate of Interest (RoI) will be linked to Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) of the Borrower.
	Rate of Interest (RoI)
	For Loans up to ₹100 Lakhs – Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
	Consumer CIBIL Score	Commercial CIBIL MSME Rank (CMR)	Spread	Rate of Interest
	(For Individual)	(For Firm/Company/Other than Individual)	Spread	Rate of Interest
	800 and above	CMR-1	0.70%	9.00%
	750 and above but up to 799	CMR-2	1.00%	9.30%
	750 and above but up to 799	CMR-2	1.00%	9.30%
	725 and above but up to 749	CMR-3	1.20%	9.50%
	725 and above but up to 749	CMR-3	1.20%	9.50%
	700 and above but up to 724	CMR-4	1.40%	9.70%
	700 and above but up to 724	CMR-4	1.40%	9.70%
	675 and above but up to 699	CMR-5	1.95%	10.25%
	675 and above but up to 699	CMR-5	1.95%	10.25%
	650 and above but up to 674	CMR-6	2.15%	10.45%
	650 and above but up to 674	CMR-6	2.15%	10.45%
	b) For credit facility above ₹100 Lakhs, Rate of Interest (RoI) will be linked to Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) of the Borrower which is interlinked with Internal Credit Rating.
	Rate of Interest (RoI)
	For Loans above ₹100 Lakhs – Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
	Consumer CIBIL Score	Commercial CIBIL MSME Rank (CMR)	Spread Over UCO Float - Based on Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
	(For Individual)	(For Firm/Company/Other than Individual)
	(For Individual)	(For Firm/Company/Other than Individual)	UCO 1	UCO 2 and UCO 3	UCO 4 & UCO 5	UCO 6	UCO 7
	800 and above	CMR-1	0.70%	1.00%	1.30%	1.95%	2.30%
	750 and above but up to 799	CMR-2	0.75%	1.05%	1.35%	2.05%	2.35%
	725 and above but up to 749	CMR-3	0.80%	1.10%	1.50%	2.10%	2.40%
	700 and above but up to 724	CMR-4	0.85%	1.15%	1.55%	2.15%	2.45%
	675 and above but up to 699	CMR-5	1.15%	1.45%	1.85%	2.20%	2.50%
	650 and above but up to 674	CMR-6	1.20%	1.50%	1.90%	2.25%	2.55%
	For Loans above ₹100 Lakhs – Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
	Consumer CIBIL Score	Commercial CIBIL MSME Rank (CMR)	Effective ROI - Based on Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
	(For Individual)	(For Firm/Company/Other than Individual)

			UCO 1	UCO 2 and UCO 3	UCO 4 & UCO 5	UCO 6	UCO 7
	800 and above	CMR-1	9.00%	9.30%	9.60%	10.25%	10.60%
	750 and above but up to 799	CMR-2	9.05%	9.35%	9.65%	10.35%	10.65%
	725 and above but up to 749	CMR-3	9.10%	9.40%	9.80%	10.40%	10.70%
	700 and above but up to 724	CMR-4	9.15%	9.45%	9.85%	10.45%	10.75%
	675 and above but up to 699	CMR-5	9.45%	9.75%	10.15%	10.50%	10.80%
	650 and above but up to 674	CMR-6	9.50%	9.80%	10.20%	10.55%	10.85%
26	PM VISHWAKARMA	UFR	Spread	RoI
		8.30%	4.20%	12.50%
	* As per Govt guidelines maximum RoI that can be charged in the account is 13%.Kindly be guided by circular no CHO/MSME/23/2023-24 dated 15.09.2023 and subsequent revisions/modifications issued by MSME department for further guidelines.
27	UCO TEXTILE:
	For Credit Facility upto Rs 100 lakhs, RoI will be linked to Consumer Cibil score/Commercial CIBIL MSME Rank (CMR) of the borrower.

	a) For loans upto RS. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	Spread over UFR	Effective Rate of interest
	800 and above	CMR 1	0.80%	9.10%
	750 and above but upto 799	CMR 2	1.10%	9.40%
	725 and above but upto 749	CMR 3	1.50%	9.80%
	700 and above but upto 724	CMR 4	1.80%	10.10%
	675 and above but upto 699	CMR 5	2.25%	10.55%
	650 and above but upto 674	CMR 6	2.65%	10.95%
	b) For Credit Facility above Rs 100 lakhs, RoI will be linked to Consumer Cibil score/Commercial CIBIL MSME Rank (CMR) of the borrower which is interlinked with internal credit rating.

	For loans above Rs. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	Spread over UCO Float-based on Consumer cibil/commercial cibil MSME Rank (CMR)
			UCO 1	UCO 2 & UCO 3	UCO 4 & UCO 5	UCO 6	UCO 7
	800 and above	CMR 1	0.80%	1.10%	1.40%	2.05%	2.40%
	750 and above but upto 799	CMR 2	0.85%	1.15%	1.45%	2.15%	2.45%
	725 and above but upto 749	CMR 3	0.90%	1.20%	1.60%	2.20%	2.50%
	700 and above but upto 724	CMR 4	0.95%	1.25%	1.65%	2.25%	2.55%
	675 and above but upto 699	CMR 5	1.25%	1.55%	1.95%	2.30%	2.60%
	650 and above but upto 674	CMR 6	1.30%	1.60%	2.00%	2.35%	2.65%
	Effective ROI For loans above Rs. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	ROI-based on Consumer cibil/commercial cibil MSME Rank (CMR)
			UCO 1	UCO 2 & UCO 3	UCO 4 & UCO 5	UCO 6	UCO 7
	800 and above	CMR 1	9.10%	9.40%	9.70%	10.35%	10.70%
	750 and above but upto 799	CMR 2	9.15%	9.45%	9.75%	10.45%	10.75%
	725 and above but upto 749	CMR 3	9.20%	9.50%	9.90%	10.50%	10.80%
	700 and above but upto 724	CMR 4	9.25%	9.55%	9.95%	10.55%	10.85%
	675 and above but upto 699	CMR 5	9.55%	9.85%	10.25%	10.60%	10.90%
	650 and above but upto 674	CMR 6	9.60%	9.90%	10.30%	10.65%	10.95%
	c) RoI Matrix of existing borrowal account has migrated downward and review/renewal is undertaken at existing level.

	c - i) For loans upto RS. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	Spread over UFR	Rate of interest
	Below 650 but upto 635	CMR 7	3.00%	11.30%
	Below 635 but upto 620	CMR 8	3.25%	11.55%
	Below 620 but upto 600	CMR 9	3.50%	11.80%
	Below 600	CMR 10	3.75%	12.05%
	c - ii) Spread For loans above Rs. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	Spread over UCO Float-based on Consumer cibil/commercial cibil MSME Rank (CMR)
			UCO 1	UCO 2 & UCO 3	UCO 4 & UCO 5	UCO 6	UCO 7
	Below 650 but upto 635	CMR 7	2.75%	2.80%	2.85%	2.90%	2.95%
	Below 635 but upto 620	CMR 8	3.05%	3.10%	3.15%	3.20%	3.25%
	Below 620 but upto 600	CMR 9	3.35%	3.40%	3.45%	3.50%	3.55%
	Below 600	CMR 10	3.65%	3.70%	3.75%	3.80%	3.85%
	Effcetive ROI For loans above Rs. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	ROI-based on Consumer cibil/commercial cibil MSME Rank (CMR)
			UCO 1	UCO 2 & UCO 3	UCO 4 & UCO 5	UCO 6	UCO 7
	Below 650 but upto 635	CMR 7	11.05%	11.10%	11.15%	11.20%	11.25%
	Below 635 but upto 620	CMR 8	11.35%	11.40%	11.45%	11.50%	11.55%
	Below 620 but upto 600	CMR 9	11.65%	11.70%	11.75%	11.80%	11.85%
	Below 600	CMR 10	11.95%	12.00%	12.05%	12.10%	12.15%
	d) RoI matrix for MSME loans wherein Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) of existing borrowal account has migrated downward and borrower seeking enhancement of limit/additional credit facility.

	d -i )For loans upto RS. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	Spread over UFR	Effective Rate of interest
	Below 650 but upto 635	CMR 7	3.25%	11.55%
	Below 635 but upto 620	CMR 8	3.50%	11.80%
	Below 620 but upto 600	CMR 9	3.75%	12.05%
	d - ii) For loans above Rs. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	Spread over UCO Float-based on Consumer cibil/commercial cibil MSME Rank (CMR)
			UCO 1	UCO 2 & UCO 3	UCO 4 & UCO 5	UCO 6	UCO 7
	Below 650 but upto 635	CMR 7	3.00%	3.05%	3.10%	3.15%	3.20%
Below 635 but upto 620	CMR 8	3.30%	3.35%	3.40%	3.45%	3.50%
Below 620 but upto 600	CMR 9	3.60%	3.65%	3.70%	3.75%	3.80%
Effective ROI For loans above Rs. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	ROI-based on Consumer cibil/commercial cibil MSME Rank (CMR)
		UCO 1	UCO 2 & UCO 3	UCO 4 & UCO 5	UCO 6	UCO 7
Below 650 but upto 635	CMR 7	11.30%	11.35%	11.40%	11.45%	11.50%
Below 635 but upto 620	CMR 8	11.60%	11.65%	11.70%	11.75%	11.80%
Below 620 but upto 600	CMR 9	11.90%	11.95%	12.00%	12.05%	12.10%
28	UCO CONTRACTOR:
	UCO Contractor	Rate of Interest (RoI)
		Collateral Norms			Spread	ROI
		Where realisable value of collateral security is 100% or in case of facility secured by liquid collateral and the value of liquid collateral is 91% or above the limit sanctioned.			1.00%	9.30%
		Rate of Interest (RoI) under Hybrid Model of CGTMSE			1.50%	9.80%
29	MSME PROPERTY:
	a) Applicable for New accounts as well as for review / renewal of account at existing level / run down balance and/or renewal of account with enhancemment
	Consumer CIBIL score (For Individual/ Professional/Self employed)		Commercial CIBIL MSME Rank (CMR) (For Firm/Company)
	Score	Spread	Score	Spread
	Above 750	0.50%	CMR 1	0.50%
	Above 700 and upto 750	1.00%	CMR 2	0.75%
	Above 675 and upto 700	1.75%	CMR 3	1.00%
	650 to 675	2.25%	CMR 4	1.25%
			CMR 5	1.75%
			CMR 6	2.25%
			CMR 7	2.55%
			CMR 8	2.65%
	Effective rate of Interest
	Consumer CIBIL score (For Individual/ Professional/Self employed)		Commercial CIBIL MSME Rank (CMR) (For Firm/Company)
	Score	RoI	Score	RoI
	Above 750	8.80%	CMR 1	8.80%
	Above 700 and upto 750	9.30%	CMR 2	9.05%
	Above 675 and upto 700	10.05%	CMR 3	9.30%
	650 to 675	10.55%	CMR 4	9.55%
			CMR 5	10.05%
			CMR 6	10.55%
			CMR 7	10.85%
			CMR 8	10.95%
	b.Applicable to accounts wherein Consumer CIBIL Score/ Commercial CIBIL MSME Rank (CMR) has migrated downward and review/renewal to be done at existing level/run down and/or renewal of account with enhancement
	Consumer CIBIL score (For Individual/ Professional/Self employed)		Commercial CIBIL MSME Rank (CMR) (For Firm/Company)
	Score	Spread	Score	Spread
	Below 650 but upto 635	2.75%	CMR 9	3.00%
	Below 635 but upto 620	3.00%	CMR 10	3.50%
	Below 620 but upto 600	3.25%
	Below 600	3.50%
	Effective rate of Interest
	Consumer CIBIL score (For Individual/ Professional/Self employed)		Commercial CIBIL MSME Rank (CMR) (For Firm/Company)
	Score	RoI	Score	RoI
	Below 650 but upto 635	11.05%	CMR 9	11.30%
	Below 635 but upto 620	11.30%	CMR 10	11.80%
	Below 620 but upto 600	11.55%
	Below 600	11.80%
30	UCO EQUIPMENT FINANCE
	a.For Credit Facility upto Rs 100 lakhs, RoI will be linked to Consumer Cibil score/Commercial CIBIL MSME Rank (CMR) of the borrower.
	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	Spread over UFR	Effective Rate of interest
	800 and above	CMR 1	0.80%	9.10%
	750 and above but upto 799	CMR 2	1.10%	9.40%
	725 and above but upto 749	CMR 3	1.50%	9.80%
	700 and above but upto 724	CMR 4	1.80%	10.10%
	675 and above but upto 699	CMR 5	2.25%	10.55%
	650 and above but upto 674	CMR 6	2.65%	10.95%
	b.For Credit Facility above Rs 100 lakhs, RoI will be linked to Consumer Cibil score/Commercial CIBIL MSME Rank (CMR) of the borrower which is interlinked with internal credit rating.

	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	Spread over UCO Float-based on Consumer cibil/commercial cibil MSME Rank (CMR)
			UCO 1	UCO 2 & UCO 3	UCO 4 & UCO 5	UCO 6	UCO 7
	800 and above	CMR 1	0.80%	1.10%	1.40%	2.05%	2.40%
	750 and above but upto 799	CMR 2	0.85%	1.15%	1.45%	2.15%	2.45%
	725 and above but upto 749	CMR 3	0.90%	1.20%	1.60%	2.20%	2.50%
	700 and above but upto 724	CMR 4	0.95%	1.25%	1.65%	2.25%	2.55%
	675 and above but upto 699	CMR 5	1.25%	1.55%	1.95%	2.30%	2.60%
	650 and above but upto 674	CMR 6	1.30%	1.60%	2.00%	2.35%	2.65%

	Effective rate of Interest
	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	Spread over UCO Float-based on Consumer cibil/commercial cibil MSME Rank (CMR)
			UCO 1	UCO 2 & UCO 3	UCO 4 & UCO 5	UCO 6	UCO 7
	800 and above	CMR 1	9.10%	9.40%	9.70%	10.35%	10.70%
	750 and above but upto 799	CMR 2	9.15%	9.45%	9.75%	10.45%	10.75%
	725 and above but upto 749	CMR 3	9.20%	9.50%	9.90%	10.50%	10.80%
	700 and above but upto 724	CMR 4	9.25%	9.55%	9.95%	10.55%	10.85%
	675 and above but upto 699	CMR 5	9.55%	9.85%	10.25%	10.60%	10.90%
	650 and above but upto 674	CMR 6	9.60%	9.90%	10.30%	10.65%	10.95%
	c.Existing borrowal account has migrated downward and review/renewal is undertaken at existing level.
	c.i.For loans upto RS. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	Spread over UFR	ROI
	Below 650 but upto 635	CMR 7	3.00%	11.30%
	Below 635 but upto 620	CMR 8	3.25%	11.55%
	Below 620 but upto 600	CMR 9	3.50%	11.80%
	Below 600	CMR 10	3.75%	12.05%

	c. ii.For loans above Rs. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	Spread over UCO Float-based on Consumer cibil/commercial cibil MSME Rank (CMR)
			UCO 1	UCO 2 & UCO 3	UCO 4 & UCO 5	UCO 6	UCO 7
	Below 650 but upto 635	CMR 7	2.75%	2.80%	2.85%	2.90%	2.95%
	Below 635 but upto 620	CMR 8	3.05%	3.10%	3.15%	3.20%	3.25%
	Below 620 but upto 600	CMR 9	3.35%	3.40%	3.45%	3.50%	3.55%
	Below 600	CMR 10	3.65%	3.70%	3.75%	3.80%	3.85%
	Effective Rate of Interest
	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	ROI-based on Consumer cibil/commercial cibil MSME Rank (CMR)
	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	UCO 1	UCO 2 & UCO 3	UCO 4 & UCO 5	UCO 6	UCO 7
	Below 650 but upto 635	CMR 7	11.05%	11.10%	11.15%	11.20%	11.25%
	Below 635 but upto 620	CMR 8	11.35%	11.40%	11.45%	11.50%	11.55%
	Below 620 but upto 600	CMR 9	11.65%	11.70%	11.75%	11.80%	11.85%
	Below 600	CMR 10	11.95%	12.00%	12.05%	12.10%	12.15%
	d.Existing borrowal account has migrated downward and borrower seeking enhancement of limit/additional credit facility.

	d.i. For loans upto RS. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	Spread over UFR	Effective rate of interest
	Below 650 but upto 635	CMR 7	3.25%	11.55%
	Below 635 but upto 620	CMR 8	3.50%	11.80%
	Below 620 but upto 600	CMR 9	3.75%	12.05%
	d.ii. For loans above Rs. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR)
	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	Spread over UCO Float-based on Consumer cibil/commercial cibil MSME Rank (CMR)
			UCO 1	UCO 2 & UCO 3	UCO 4 & UCO 5	UCO 6	UCO 7
	Below 650 but upto 635	CMR 7	3.00%	3.05%	3.10%	3.15%	3.20%
	Below 635 but upto 620	CMR 8	3.30%	3.35%	3.40%	3.45%	3.50%
	Below 620 but upto 600	CMR 9	3.60%	3.65%	3.70%	3.75%	3.80%
Effective rate of Interest
Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	ROI-based on Consumer cibil/commercial cibil MSME Rank (CMR)
Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	UCO 1	UCO 2 & UCO 3	UCO 4 & UCO 5	UCO 6	UCO 7
Below 650 but upto 635	CMR 7	11.30%	11.35%	11.40%	11.45%	11.50%
Below 635 but upto 620	CMR 8	11.60%	11.65%	11.70%	11.75%	11.80%
Below 620 but upto 600	CMR 9	11.90%	11.95%	12.00%	12.05%	12.10%
31
	UCO ARHATIYAS
	a.Applicable for new account as well as renewal of account at existing level/renewal of account with enhancement wherein there is no migration in consumer cibil score/commercial cibil MSME rank (CMR)

	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	Spread for credit facility wherein ICR is not required	Spread for credit facility where ICR is required
				UCO 1/UCO 2/UCO 3	UCO4/5	UCO 6	UCO 7
	800 and above	CMR 1	0.60%	0.60%	1.05%	1.30%	1.60%
	750 and above but upto 799	CMR 2	0.65%	0.65%	1.10%	1.35%	1.65%
	725 and above but upto 749	CMR 3	0.70%	0.70%	1.15%	1.40%	1.70%
	700 and above but upto 724	CMR 4	0.75%	0.75%	1.20%	1.45%	1.75%
	675 and above but upto 699	CMR 5	1.05%	1.05%	1.50%	1.80%	1.80%
	650 and above but upto 674	CMR 6	1.25%	1.25%	1.55%	1.85%	1.85%
		CMR 7	1.90%	1.95%	2.00%	2.05%	2.05%
		CMR 8	2.15%	2.25%	2.35%	2.45%	2.45%
	Effective Rate of Interest
	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	Spread for credit facility wherein ICR is not required	RoI for credit facility where ICR is required
	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	Spread for credit facility wherein ICR is not required	UCO 1/UCO 2/UCO 3	UCO4/5	UCO 6	UCO 7
	800 and above	CMR 1	8.90%	8.90%	9.35%	9.60%	9.90%
	750 and above but upto 799	CMR 2	8.95%	8.95%	9.40%	9.65%	9.95%
	725 and above but upto 749	CMR 3	9.00%	9.00%	9.45%	9.70%	10.00%
	700 and above but upto 724	CMR 4	9.05%	9.05%	9.50%	9.75%	10.05%
	675 and above but upto 699	CMR 5	9.35%	9.35%	9.80%	10.10%	10.10%
	650 and above but upto 674	CMR 6	9.55%	9.55%	9.85%	10.15%	10.15%
		CMR 7	10.20%	10.25%	10.30%	10.35%	10.35%
		CMR 8	10.45%	10.55%	10.65%	10.75%	10.75%
	b.Applicable Rate of interest (RoI) in cases wherein Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) has migrated downward and renewal done at existing level

	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	Spread for credit facility wherein ICR is not required	Spread for credit facility where ICR is required
				UCO 1	UCO 2 & UCO 3	UCO4/5	UCO 6
	Below 650 but upto 635		1.50%	1.50%	1.55%	1.60%	1.65%
	Below 635 but upto 620		1.55%	1.80%	1.85%	1.90%	1.95%
	Below 620 but upto 600		1.60%	2.10%	2.15%	2.20%	2.25%
	Below 600		1.75%	2.40%	2.45%	2.50%	2.55%
		CMR 9	2.75%	2.75%	2.85%	2.90%	2.95%
		CMR 10	3.15%	3.20%	3.25%	3.30%	3.35%
	Effective Rate of Interest
	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	Spread for credit facility wherein ICR is not required	RoI for credit facility where ICR is required
				UCO 1	UCO 2 & UCO 3	UCO4/5	UCO 6
	Below 650 but upto 635		9.80%	9.80%	9.85%	9.90%	9.95%
	Below 635 but upto 620		9.85%	10.10%	10.15%	10.20%	10.25%
	Below 620 but upto 600		9.90%	10.40%	10.45%	10.50%	10.55%
	Below 600		10.05%	10.70%	10.75%	10.80%	10.85%
		CMR 9	11.05%	11.05%	11.15%	11.20%	11.25%
		CMR 10	11.45%	11.50%	11.55%	11.60%	11.65%

	c.Applicable Rate of interest (RoI) in cases wherein Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) has migrated downward and renewal done with enhancement

	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	Spread for facility wherein ICR is not required	Spread for credit facility where ICR is required
	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	Spread for facility wherein ICR is not required	UCO 1	UCO 2 & UCO 3	UCO4/5	UCO 6
	Below 650 but upto 635		1.60%	1.60%	1.65%	1.70%	1.75%
	Below 635 but upto 620		1.65%	1.90%	1.95%	2.00%	2.05%
	Below 620 but upto 600		1.70%	2.20%	2.25%	2.30%	2.35%
	Below 600		1.75%	2.50%	2.55%	2.60%	2.65%
		CMR 9	2.75%	2.75%	2.85%	2.90%	2.95%
	Effective Rate of Interest
	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	Spread for credit facility wherein ICR is not required	RoI for credit facility where ICR is required
	Consumer CIBIL score (For Individual)	Commercial CIBIL MSME Rank (CMR) (For Firm/Company)	Spread for credit facility wherein ICR is not required	UCO 1	UCO 2 & UCO 3	UCO4/5	UCO 6
	Below 650 but upto 635		9.90%	9.90%	9.95%	10.00%	10.05%
	Below 635 but upto 620		9.95%	10.20%	10.25%	10.30%	10.35%
	Below 620 but upto 600		10.00%	10.50%	10.55%	10.60%	10.65%
	Below 600		10.05%	10.80%	10.85%	10.90%	10.95%
		CMR 9	11.05%	11.05%	11.15%	11.20%	11.25%
32
	UCO RICE SHELLER:
	a.RoI for credit facility (CC/TL)where ICR is required
	ICR	Spread	Effective RoI
	UCO 1	-0.60%	7.70%
	UCO 2	-0.55%	7.75%
	UCO 3	-0.50%	7.80%
	UCO 4	-0.20%	8.10%
	UCO 5	-0.05%	8.25%
	UCO 6	0.05%	8.35%
	UCO 7	1.20%	9.50%
	UCO 8	1.70%	10.00%
	UCO 9	2.75%	11.05%
	UCO 10	3.25%	11.55%

	b.RoI for credit facility (CC/TL)where ICR is not required
	ICR	Spread	Effective RoI
	Not required	0.00%	8.30%

	Tenor based premium for term loans
	Loan tenor	Tenor premium
	Up to 3 years	0.00%
	3 years -5 years	0.20%
	> 5 years	0.30%
33
	UCO MSME OFFICE:
	a.Applicable for new account as well as for review of account at existing level/run down balance
	Consumer CIBIL score (For Individual/ Professional/Self employed)		Commercial CIBIL MSME Rank (CMR) (For Firm/Company)
	Score	Spread	Score	Spread
	Above 750	0.50%	CMR 1	0.50%
	Above 700 and upto 750	1.00%	CMR 2	0.75%
	Above 675 and upto 700	1.75%	CMR 3	1.00%
	650 to 675	2.25%	CMR 4	1.25%
			CMR 5	1.75%
			CMR 6	2.25%
			CMR 7	2.55%
			CMR 8	2.65%
	b.Applicable for new account as well as for review of account at existing level/run down balance
	Consumer CIBIL score (For Individual/ Professional/Self employed)		Commercial CIBIL MSME Rank (CMR) (For Firm/Company)
	Score	Effective Rate of Interest	Score	Effective Rate of Interest
	Above 750	8.80%	CMR 1	8.80%
	Above 700 and upto 750	9.30%	CMR 2	9.05%
	Above 675 and upto 700	10.05%	CMR 3	9.30%
	650 to 675	10.55%	CMR 4	9.55%
			CMR 5	10.05%
			CMR 6	10.55%
			CMR 7	10.85%
			CMR 8	10.95%
	c.Applicable to accounts wherein Consumer CIBIL Score/ Commercial CIBIL MSME Rank (CMR) has migrated downward and review to be done at existing level/run down balance
	Consumer CIBIL score (For Individual/ Professional/Self employed)		Commercial CIBIL MSME Rank (CMR) (For Firm/Company)
	Score	Spread	Score	Spread
	Below 650 but upto 635	2.75%	CMR 9	3.00%
	Below 635 but upto 620	3.00%	CMR 10	3.50%
	Below 620 but upto 600	3.25%
	Below 600	3.50%
	Effective Rate of Interest
	Consumer CIBIL score (For Individual/ Professional/Self employed)		Commercial CIBIL MSME Rank (CMR) (For Firm/Company)
	Score	Spread	Score	Spread
	Below 650 but upto 635	11.05%	CMR 9	11.30%
	Below 635 but upto 620	11.30%	CMR 10	11.80%
	Below 620 but upto 600	11.55%
	Below 600	11.80%
34	UCO ABHINANDAN SCHEME
	a.Security Coverage 75% and Above
	ICR	Spread	Effective RoI
	UCO 1	0.00%	8.30%
	UCO 2	0.10%	8.40%
	UCO 3	0.20%	8.50%
	UCO 4	0.45%	8.75%
	UCO 5	0.70%	9.00%
	b.Security Coverage 50% and above but below 75%
	ICR	Spread	Effective RoI
	UCO 1	0.10%	8.40%
	UCO 2	0.20%	8.50%
	UCO 3	0.35%	8.65%
	UCO 4	0.60%	8.90%
	UCO 5	0.75%	9.05%
	c.Security Coverage 40% and above but below 50%
	ICR	Spread	Effective RoI
	UCO 1	0.30%	8.60%
	UCO 2	0.50%	8.80%
	UCO 3	0.65%	8.95%
	UCO 4	0.80%	9.10%
	UCO 5	0.95%	9.25%
	d.Applicable Rate of interest (RoI) in cases wherein Internal Credit Rating has migrated downward and review/renewal to be undertaken at existing level/ with enhancement and/ or with additional facility
	ICR	Spread	Effective RoI
	UCO 6	1.15%	9.45%
	UCO 7	1.70%	10.00%
	UCO 8	2.45%	10.75%
	UCO 9	2.95%	11.25%
	UCO 10	3.45%	11.75%

35	MSME Smart Finance	UFR	Spread	Effective RoI
35	MSME Smart Finance	8.30%	2.10%	10.40%
36	UCO TRADE ADVANTAGE:
	UCO TRADE ADVANTAGE:
	Applicable for new account as well as review/renewal of account at existing level/renewal of account with enhamncement and/ or with additional facility based on Consumer CIBIL Score/ Commercial CIBIl MSME Rank (CMR)
	Consumer CIBIL score (For Individual/ Professional/Self employed)		Commercial CIBIL MSME Rank (CMR) (For Firm/Company)
	Score	Spread	Score	Spread
	875 and above	0.50%	CMR 1	0.50%
	850 to 874	0.70%	CMR 2	0.70%
	825 to 849	0.90%	CMR 3	0.90%
	800 to 824	1.10%	CMR 4	1.10%
	750 to 799	1.30%	CMR 5	1.30%
	700 to 749	1.50%	CMR 6	1.75%
	600 to 699	3.25%	CMR 7/ 8	3.25%
	Below 600	4.25%	CMR 9/ 10	4.25%
	Effective Rate of Interest
	Consumer CIBIL score (For Individual/ Professional/Self employed)		Commercial CIBIL MSME Rank (CMR) (For Firm/Company)
	Score	RoI	Score	RoI
	875 and above	8.80%	CMR 1	8.80%
	850 to 874	9.00%	CMR 2	9.00%
	825 to 849	9.20%	CMR 3	9.20%
	800 to 824	9.40%	CMR 4	9.40%
	750 to 799	9.60%	CMR 5	9.60%
	700 to 749	9.80%	CMR 6	10.05%
	600 to 699	11.55%	CMR 7/ 8	11.55%
	Below 600	12.55%	CMR 9/ 10	12.55%
37	STP Shishu Mudra	UFR	Spread	Effective RoI
37		8.30%	1.10%	9.40%
38	GST Smart Finance	UFR	Spread	Effective RoI
38		8.30%	1.95%	10.25%
39	Mukhyamantri Yuva Udyami Vikas Abhiyan	UFR	Spread	Effective RoI
	Mukhyamantri Yuva Udyami Vikas Abhiyan	8.30%	1.45%	9.75%
	* Maximum RoI of 10% can be charged in the account as per government guidelines.
40	UCO CA LOAN SCHEME	UFR	Spread	Effective RoI
40	8.30%	2.80%	11.10%
41	UCO NARI SAMMAN
	a.Applicable for new account as well as review/renewal of account at existing level/renewal of account with enhancement and/ or with additional facility based on Consumer CIBIL Score/ Commercial CIBIl MSME Rank (CMR)

	Funded exposure above Rs. 10 lakhs and upto Rs. 25 lakhs.
	Consumer CIBIL Score	Spread	Effective RoI	Commercial Cibil MSME Rank	Spread	Effective RoI
	800 and above	0.50%	8.80%	CMR 1	0.50%	8.80%
	750 to 799	0.70%	9.00%	CMR 2	0.70%	9.00%
	725 to 749	0.80%	9.10%	CMR 3	0.80%	9.10%
	700 to 724	1.00%	9.30%	CMR 4	1.00%	9.30%
	675 to 699	1.75%	10.05%	CMR 5	1.35%	9.65%
	650 to 674	2.25%	10.55%	CMR 6	1.45%	9.75%
	600 to 649	2.75%	11.05%	CMR 6	2.75%	11.05%
	Below 600	3.25%	11.55%	CMR 6	3.25%	11.55%
	Incase of individual borrowers having no credit history (0) or insufficient credit history (-1), applicable RoI shall be same as applicable to borrowers with consumer cibil score of 700 to 724. For other than individual borrowers having no credit history or insufficient credit history, RoI will be same as applicable to CMR 6.


	b.Applicable for new account as well as review/renewal of account at existing level/renewal of account with enhancement and/ or with additional facility wherein there is no migration in Internal Credit Rating

	Funded exposure above Rs. 25 lakhs and upto Rs. 50 Crs.
	Internal Credit Rating	Spread	Effective RoI
	UCO 1	0.50%	8.80%
	UCO 2	0.70%	9.00%
	UCO 3	0.80%	9.10%
	UCO 4	1.00%	9.30%
	UCO 5	1.35%	9.65%
	UCO 6	1.50%	9.80%

	c.Applicable for Accounts wherein Internal credit rating has downgraded and review/renewal to be undertaken at existing level/with enhancement and/or with additional facility

	Funded exposure above Rs. 25 lakhs and upto Rs. 50 Crs.
	Internal Credit Rating	Spread	Effective RoI
	UCO 7	1.75%	10.05%
	UCO 8	2.25%	10.55%
	UCO 9	2.50%	10.80%
	UCO 10	2.75%	11.05%
42	UCO MSME YUVASHAKTI
	a.Applicable for new account as well as review/renewal of account at existing level/renewal of account with enhancement and/ or with additional facility based on Consumer CIBIL Score/ Commercial CIBIl MSME Rank (CMR)

	Funded exposure above Rs. 10 lakhs and upto Rs. 25 lakhs.
	Consumer CIBIL Score	Spread	Effective RoI	Commercial Cibil MSME Rank	Spread	Effective RoI
	800 and above	0.70%	9.00%	CMR 1	0.70%	9.00%
	750 to 799	0.80%	9.10%	CMR 2	0.80%	9.10%
	725 to 749	1.00%	9.30%	CMR 3	1.00%	9.30%
	700 to 724	1.10%	9.40%	CMR 4	1.10%	9.40%
	675 to 699	1.75%	10.05%	CMR 5	1.45%	9.75%
	650 to 674	2.25%	10.55%	CMR 6	2.00%	10.30%
	600 to 649	2.75%	11.05%	CMR 6	2.75%	11.05%
	Below 600	3.25%	11.55%	CMR 6	3.25%	11.55%
	Incase of individual borrowers having no credit history (0) or insufficient credit history (-1), applicable RoI shall be same as applicable to borrowers with consumer cibil score of 700 to 724. For other than individual borrowers having no credit history or insufficient credit history, RoI will be same as applicable to CMR 6.


	b.Applicable for new account as well as review/renewal of account at existing level/renewal of account with enhancement and/ or with additional facility wherein there is no migration in Internal Credit Rating

	Funded exposure above Rs. 25 lakhs and upto Rs. 50 Crs.
	Internal Credit Rating	Spread	Effective RoI
	UCO 1	0.70%	9.00%
	UCO 2	0.80%	9.10%
	UCO 3	0.90%	9.20%
	UCO 4	1.15%	9.45%
	UCO 5	1.50%	9.80%
	UCO 6	1.60%	9.90%
	c.Applicable for Accounts wherein Internal credit rating has downgraded and review/renewal to be undertaken at existing level/with enhancement and/or with additional facility

	Funded exposure above Rs. 25 lakhs and upto Rs. 50 Crs.
	Internal Credit Rating	Spread	Effective RoI
	UCO 7	2.00%	10.30%
	UCO 8	2.25%	10.55%
	UCO 9	2.75%	11.05%
	UCO 10	3.25%	11.55%
43	UCO PHARMA GROWTH
	a.Applicable for New Accounts as well as review/renewal of accounts at existing level/renewal of account with enhancement and/or with additional facility wherein there is no migration in internal credit rating

	Funded exposure above Rs. 25 lakhs and upto Rs. 50 Crs.
	ICR	Spread	Effective RoI
	UCO 1	0.25%	8.55%
	UCO 2	0.35%	8.65%
	UCO 3	0.55%	8.85%
	UCO 4	0.90%	9.20%
	UCO 5	1.35%	9.65%
	UCO 6	1.50%	9.80%

	b.Applicable for Accounts wherein Internal Credit rating has downgraded and review/renewal to be undertaken at existing level/with enhancement and/or with additional facility


	Funded exposure above Rs. 25 lakhs and upto Rs. 50 Crs.
	ICR	Spread	Effective RoI
	UCO 7	1.75%	10.05%
	UCO 8	2.00%	10.30%
	UCO 9	2.35%	10.65%
	UCO 10	2.75%	11.05%
44	UCO SUPPLY CHAIN FINANCE
A.	DEALER FINANCE (For MSME)
	i.Dealer Finance with Recourse to Anchors/ Corporates (Having TPA) linked to Repo.


	External Credit Rating	Spread	Effective RoI
	AAA	-0.75%	7.55%
	AA	-0.65%	7.65%
	A	-0.60%	7.70%
	ii.Dealer Finance without Recourse to Anchors/ Corporates (Having TPA) linked to Repo.


	Internal Credit Rating	With minimum 25% Collateral security/CGTMSE Coverage	Effective RoI	Without Collateral security/CGTMSE Coverage	Effective RoI
	UCO 1	-0.45%	7.85%	-0.15%	8.15%
	UCO 2	-0.35%	7.95%	-0.05%	8.25%
	UCO 3	-0.25%	8.05%	0.05%	8.35%
	UCO 4	-0.15%	8.15%	0.15%	8.45%
	UCO 5	0.20%	8.50%	0.50%	8.80%
	UCO 6	0.30%	8.60%	0.60%	8.90%
	UCO 7	0.40%	8.70%	0.70%	9.00%
B.	VENDOR FINANCE
45	Vendor Finance is currently linked to MCLR.
	PM SURYA GHAR VYAPAR YOJANA
	Funded exposure above Rs. 10 lakhs and upto Rs. 5 Crs.
	a.Applicable for new account as well as review/renewal of account at existing level/renewal of account with enhancement and/ or with additional facility based on Consumer CIBIL Score/ Commercial CIBIl MSME Rank (CMR)

	Consumer CIBIL Score	Spread	Effective ROI	Commercial Cibil MSME Rank	Spread	Effective ROI
	750 and above	0.55%	8.85%	CMR 1/CMR 2	0.55%	8.85%
	725 to 749	0.70%	9.00%	CMR 3	0.70%	9.00%
	700 to 724	0.95%	9.25%	CMR 4	0.95%	9.25%
	675 to 699	1.70%	10.00%	CMR 5	1.70%	10.00%
	650to 674	2.50%	10.80%	CMR 6	2.50%	10.80%
	b.Applicable for Accounts wherein Consumer Cibil Score/ Commercial Cibil MSME Rank (CMR) has downgraded and review/renewal to be undertaken at existing level/with enhancement and/or with additional facility

	Consumer CIBIL Score	Spread	Effective ROI	Commercial Cibil MSME Rank	Spread	Effective ROI
	600 to 649	3.50%	11.80%	CMR 7/ 8	3.50%	12.30%
	Below 600	4.50%	12.80%	CMR 9/ 10	4.50%	13.30%

46	UCO Sanjeevani Plus
	a.Applicable for new account as well as review/renewal of account at existing level/renewal of account with enhancement and/ or with additional facility based on Consumer CIBIL Score/ Commercial CIBIl MSME Rank (CMR)
	Funded Exposure above Rs. 10 lakhs
	Consumer CIBIL score (For Individual)			Commercial CIBIL MSME Rank (CMR) (For Firm/Company)
	Score	Spread	RoI	Spread	Score	RoI
	Above 800	0.30%	8.60%	CMR 1	0.30%	8.60%
	Above 750 and upto 799	0.50%	8.80%	CMR 2	0.50%	8.80%
	Above 725 and upto 749	0.70%	9.00%	CMR 3	0.70%	9.00%
	700 to 724	0.95%	9.25%	CMR 4	0.95%	9.25%
	0,-1	1.20%	9.50%	CMR 5	1.35%	9.65%
				CMR 6	1.45%	9.75%
				CMR Rank-NA	1.45%	9.75%
	b.Applicable for Accounts wherein Consumer Cibil Score/ Commercial Cibil MSME Rank (CMR) has downgraded and review/renewal to be undertaken at existing level/with enhancement and/or with additional facility
	Funded Exposure above Rs. 10 lakhs
	Consumer CIBIL score (For Individual)			Commercial CIBIL MSME Rank (CMR) (For Firm/Company)
	Score	Spread	RoI	Score	Spread	RoI
	675 to 699	2.50%	10.80%	CMR 7/ 8	3.50%	11.80%
	650 to 674	3.00%	11.30%	CMR 9/ 10	4.50%	12.80%
	600 to 649	3.50%	11.80%
	Below 600	4.50%	12.80%
47	UCO Hospitality Plus
	a.Applicable for new account as well as review/renewal of account at existing level/renewal of account with enhancement and/ or with additional facility where there is no migration in internal credit rating
	Funded Exposure above Rs. 25 lakhs
	Internal Credit Rating	Spread	RoI
	UCO 1	0.15%	8.45%
	UCO 2	0.40%	8.70%
	UCO 3	0.50%	8.80%
	UCO 4	0.70%	9.00%
	UCO 5	1.15%	9.45%
	UCO 6	1.45%	9.75%
	b.Applicable for Accounts wherein Internal credit rating has downgraded and review/renewal to be undertaken at existing level/with enhancement and/or with additional facility
	Funded Exposure above Rs. 25 lakhs
	Internal Credit Rating	Spread	RoI
	UCO 7	2.50%	10.80%
	UCO 8	3.00%	11.30%
	UCO 9	3.50%	11.80%
	UCO 10	4.50%	12.80%
48	UCO Ceramic Cluster
	a.Applicable for new account as well as review/renewal of account at existing level/renewal of account with enhancement and/ or with additional facility where there is no migration in internal credit rating
	Funded Exposure above Rs. 25 lakhs
	Internal Credit Rating	Spread	RoI
	UCO 1	0.30%	8.60%
	UCO 2	0.40%	8.70%
	UCO 3	0.50%	8.80%
	UCO 4	0.65%	8.95%
	UCO 5	1.25%	9.55%
	UCO 6	1.50%	9.80%
	b.Applicable for Accounts wherein Internal credit rating has downgraded and review/renewal to be undertaken at existing level/with enhancement and/or with additional facility
	Funded Exposure above Rs. 25 lakhs
	Consumer CIBIL score (For Individual)
	Score	Spread	RoI
	UCO 7	2.50%	10.80%
	UCO 8	3.00%	11.30%
	UCO 9	3.50%	11.80%
	UCO 10	4.50%	12.80%
49	UCO Automotive Component
	a.Applicable for new account as well as review/renewal of account at existing level/renewal of account with enhancement and/ or with additional facility where there is no migration in internal credit rating
	Funded Exposure above Rs. 25 lakhs
	Internal Credit Rating	Spread	RoI
	UCO 1	0.40%	8.70%
	UCO 2	0.60%	8.90%
	UCO 3	0.80%	9.10%
	UCO 4	0.90%	9.20%
	UCO 5	1.35%	9.65%
	UCO 6	1.50%	9.80%
	b.Applicable for Accounts wherein Internal credit rating has downgraded and review/renewal to be undertaken at existing level/with enhancement and/or with additional facility
	Funded Exposure above Rs. 25 lakhs
	Consumer CIBIL score (For Individual)
	Score	Spread	RoI
	UCO 7	2.50%	10.80%
	UCO 8	3.00%	11.30%
	UCO 9	3.50%	11.80%
	UCO 10	4.50%	12.80%

Retail Products

Rate of interest (Retail)
Interest Rate structure applicable to existing Retail Schematic Loans & Advances Linked to UCO Float :
UCO Float (5.5+2.80)%= 8.30%		w.e.f: 28.06.2025



Effective rate mentioned in this circular with reference to UCO Float prevailing on the date of circular.
1	UCO CASH	Spread		Effective ROI
	UCO Cash Loan: For Central/State Govt Employee
	For Cibil with ≥ 800 score	1.90%		10.20%
	For Cibil with ≥775 and ≤799	2.15%		10.45%
	For Cibil with ≥750 and ≤774	2.40%		10.70%
	For Cibil ≥700 and ≤749	2.65%		10.95%
	For Cibil ≥650 and ≤699	3.20%		11.50%
	For Cibil ≤649	4.15%		12.45%
	UCO Cash Loan: Without Salary Account in our Bank
	For Cibil with ≥ 800 score	2.15%		10.45%
	For Cibil with ≥775 and ≤799	2.40%		10.70%
	For Cibil with ≥750 and ≤774	2.65%		10.95%
	For Cibil ≥700 and ≤749	2.90%		11.20%
	For Cibil ≥650 and ≤699	3.40%		11.70%
	For Cibil ≤649	4.40%		12.70%
	UCO Cash Loan: Other than Govt Employee
	For Cibil with ≥ 800 score	2.90%		11.20%
	For Cibil with ≥775 and ≤799	3.15%		11.45%
	For Cibil with ≥750 and ≤774	3.40%		11.70%
	For Cibil ≥700 and ≤749	3.65%		11.95%
	For Cibil ≥650 and ≤699	4.15%		12.45%
	For Cibil ≤649	5.15%		13.45%
	Non Salaried Class
	For Cibil with ≥ 800 score	2.90%		11.20%
	For Cibil with ≥775 and ≤799	3.15%		11.45%
	For Cibil with ≥750 and ≤774	3.40%		11.70%
	For Cibil ≥700 and ≤749	3.65%		11.95%
2	UCO Securities	3.10%		11.40%
3	UCO 2-Wheeler	Spread		Effective ROI
	(a) General Category	5.30%		13.60%
	(b) Full Liquid Collateral	4.05%		12.35%
	(c) 50% Liquid Collateral	4.75%		13.05%
4	Uco 2-Wheeler Elite	Spread		Effective ROI
	For Cibil with ≥ 825 score	0.95%		9.25%
	For Cibil with ≥800 and ≤824	1.20%		9.50%
	For Cibil with ≥750 and ≤799	1.70%		10.00%
	For Cibil ≥721 and ≤749	2.20%		10.50%
5	UCO Gold Loan Scheme (Priority Sector & Non Priorty Sector)	Spread		Effective ROI
	Demand Loan 30% Margin	0.55%		8.85%
	Demand Loan 40% Margin	0.45%		8.75%
	OverDraft 30% Margin	0.75%		9.05%
6	Education Loan: UCO Udaan
a	IBA	Spread		Effective ROI
	UP TO 7.5 Lacs	2.20%		10.50%
	ABOVE 7.5 Lacs	1.70%		10.00%
b	UCO Skill	1.50%		9.80%
c	Education Loan: UCO Udaan	Spread		Effective ROI
	For List 'A' Institute with Nil Collateral	-0.40%		7.90%
	For List 'B' Institute with Nil Collateral	0.40%		8.70%
	For List 'C' Institute with Nil Collateral	2.35%		10.65%
	For List 'A' Institute with at least 100% collateral	-0.80%		7.50%
	For List 'B' Institute with at least 100% collateral	-0.10%		8.20%
	For List 'C' Institute with at least 100% collateral	1.10%		9.40%
	For List 'A' Institute with less than 100% collateral	0.60%		7.70%
	For List 'B' Institute with less than 100% collateral	0.15%		8.45%
	For List 'C' Institute with less than 100% collateral	1.60%		9.90%
d	Education Loans: Uco Utkarsh	Spread		Effective ROI
	For List 'A' Institute with Nil Collateral	-0.30%		8.00%
	For List 'B' Institute with Nil Collateral	0.50%		8.80%
	For List 'C' Institute with Nil Collateral	2.45%		10.75%
	For List 'A' Institute with at least 100% collateral	-0.70%		7.60%
	For List 'B' Institute with at least 100% collateral	0.00%		8.30%
	For List 'C' Institute with at least 100% collateral	1.20%		9.50%
	For List 'A' Institute with less than 100% collateral	0.50%		7.80%
	For List 'B' Institute with less than 100% collateral	0.25%		8.55%
	For List 'C' Institute with less than 100% collateral	1.70%		10.00%
e	Education Loan: Uco Aspire 2.0	Spread		Effective ROI
	For Webometrics Ranking 'Upto 200' with at least 100 % Collateral	-0.25%		8.05%
	For Webometrics Ranking '201-500' with at least 100 % Collateral	0.15%		8.45%
	For Webometrics Ranking '501-1500' with at least 100 % Collateral	0.50%		8.80%
	For Webometrics Ranking 'Upto 200' with less than 100% Collateral	-0.05%		8.25%
	For Webometrics Ranking '201-500' with less than 100% Collateral	0.50%		8.80%
	For Webometrics Ranking '501-1500' with less than 100% Collateral	1.00%		9.30%
7	PENSION STP	Spread		Effective ROI
a	CUSTOMER	3.50%		11.80%
a	UCO EX-STAFF	2.50%		10.80%
8	UCO PENSION	Spread		Effective ROI
	CUSTOMER	4.00%		12.30%
	UCO EX-STAFF	3.00%		11.30%
9	PQPL	Spread		Effective ROI
	800 and above	2.70%		11.00%
	775 to 799	2.95%		11.25%
	750 to 774	3.70%		12.00%
	725 to 749	4.20%		12.50%
10	SELECT PLUS	Spread		Effective ROI
	800 and above	2.70%		11.00%
	775 to 799	2.95%		11.25%
	750 to 774	3.70%		12.00%
11	UCO AASHRAY	Spread		Effective ROI
	>825	-0.05%		8.25%
	800-824	-0.20%		8.50%
	750-799	0.30%		8.60%
	700-749	1.20%		9.50%
	0,-1,<300	1.20%		9.50%
12	Other Retail Schemes	Spread		Effective ROI
	(i) UCO Swabhimaan	3.30%		11.60%
	(ii) UCO Rent
	(a) Owner of our Bank's Branch	2.05%		10.35%
	(a) To Owner of our Bank’s Branch Premises or where tenant is PSUs, Reputed Corporates, FI, Insurance Companies and MNCs	2.20%		10.50%
	(b) For others - repyament upto 36 Months	2.90%		11.20%
	(c) For others - repyament above 36 Months	3.15%		11.45%
	(iii) UCO Shopper	Spread		Effective ROI
	UCO Shopper-salary Tie up/ 100% Liquid security	2.05%		10.35%
	UCO Shopper- other cases	3.05%		11.35%
	(iv) UCO Property- Individuals	Spread		Effective ROI
	≥ 825	1.20%		9.50%
	≥ 800 to 824	1.45%		9.75%
	≥750 & ≤799	1.70%		10.00%
	≥700 & ≤749	2.20%		10.50%
	≥650 & ≤699	2.70%		11.00%
	<650	3.20%		11.50%
	(v) UCO Property-Firms/Companies	Spread		Effective ROI
	CMR 1	1.20%		9.50%
	CMR 2	1.45%		9.75%
	CRM 3 to CMR 4	1.70%		10.00%
	CRM 5 to CMR 6	2.20%		10.50%
	CMR-7 and Above	2.70%		11.00%
	(vi) UCO CA	2.80%		11.10%
13	HOME LOAN	Spread	Strategic Discount	Effective Rate
a	Individuals
	For Home Loan (Borrowers with Cibil Score or Equivalent ≥850) (Uco Super Platina Customers)	0.05%	-0.95%	7.40%
	For Home Loan (Borrowers with Cibil Score or Equivalent ≥ 825 and < 849) (Uco Super Platina Customers)	0.15%	-0.95%	7.50%
	For Home Loan (Borrowers with Cibil Score or Equivalent ≥800 and ≤824) (Uco Platina Customers)	0.25%	-0.95%	7.60%
	For Home Loan (Borrowers with Cibil Score or Equivalent ≥750 and≤ 799) (Uco Premia Customers)	0.45%	-0.95%	7.80%
	For Home Loan (Borrowers with Cibil Score or Equivalent ≥700 and≤ 749) (Uco Optima Customers)	0.75%	-0.95%	8.10%
	For Home Loan (Borrowers with Cibil Score 0-1 or <300) (New To Credit)	0.30%	-0.95%	8.60%
	For Home Loan (Borrowers with Cibil Score ≥650 and ≤699)	0.80%	-0.70%	9.10%
	For Home Loan (Borrowers with Cibil Score ≥600 and ≤649)	1.20%	0.00%	9.50%
b	Uco Corporate Home Loan Scheme	Spread	Strategic Discount	Effective Rate
	Corporates having Internal Credit Rating UCO5 and above		2.80%	11.75%
	For Others		3.80%	12.75%
c	UCO TOP UP HOME LOAN	Spread	Strategic Discount	Effective Rate
	For Customers with CIBIL ≥850 (UCO Platina Customer)	0.10%	0.00%	8.40%
	For Customers with CIBIL ≥ 825 and < 849(UCO Premia Customer)	0.45%	0.00%	8.75%
	For Customers with CIBIL ≥ 800 and ≤ 824(UCO Optima Customers)	0.70%	0.00%	9.00%
	For Customers with CIBIL ≥750 and ≤799	1.05%	0.00%	9.35%
	For Customers with CIBIL ≥700 and ≤749	1.20%	0.00%	9.50%
	For Customers with CIBIL ≥650 and ≤699	2.70%	0.00%	11.00%
14	UCO CAR
a	Individuals with CIBIL SCORE	Spread	Strategic Discount	Effective Rate
	For CIBIL ≥ 825	0.00%	-0.60%	7.70%
	For CIBIL ≥ 800 and ≤ 824	0.20%	-0.60%	7.90%
	For 750 ≤ CIBIL ≤799	0.30%	-0.60%	8.00%
	For 700 ≤ CIBIL ≤749
	i)Rate for Category A	0.55%	-0.60%	8.25%
	ii)Rate for Category B	0.05%	0.00%	8.35%
	iii)Rate other than for Category A and Category B	0.15%	0.15%	8.45%
	For CIBIL 0 - 1 or < 300
	i)Rate for Category A	0.10%	0.00%	8.40%
	ii)Rate for Category B	0.05%	0.00%	8.35%
	iii)Rate other than for Category A and Category B	0.15%	0.00%	8.60%
	For CIBIL 650 ≤ CIBIL ≤699	1.00%	0.00%	9.30%
	For CIBIL 600 ≤ CIBIL ≤649	1.95%	0.00%	10.25%
b	BUSINESS CONCERN with CMR Ranking	Spread	Strategic Discount	Effective Rate
	CMR 1 to CMR 2	0.25%	0.00%	8.55%
	CMR 3 to CMR 4	0.50%	0.00%	8.80%
	CMR 5 to CMR 6	1.00%	0.00%	9.30%
	Not Available	1.50%	0.00%	9.80%
	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	0.25%	-0.30%	8.25%
	AA	0.35%	-0.30%	8.35%
	A	0.45%	-0.30%	8.45%
	BBB	0.25%	0.00%	8.55%
	Others	0.50%	0.00%	8.80%
15	UCO CAR (EV)
a	Individuals with CIBIL SCORE	Spread	Strategic Discount	Effective Rate
	For CIBIL ≥ 825		-0.70%	7.60%
	For CIBIL ≥ 800	0.20%	-0.70%	7.80%
	For 750 ≤ CIBIL ≤799	0.30%	-0.70%	7.90%
	For 700 ≤ CIBIL ≤749
	i)Rate for Category A		-0.15%	8.15%
	ii)Rate for Category B		-0.05%	8.25%
	iii)Rate other than for Category A and Category B	0.05%		8.35%
	For CIBIL 0 - 1 or < 300
	i)Rate for Category A			8.30%
	ii)Rate for Category B	0.10%		8.40%
	iii)Rate other than for Category A and Category B	0.20%		8.50%
	For CIBIL 650 ≤ CIBIL ≤699	0.90%	0.00%	9.20%
b	BUSINESS CONCERN with CMR Ranking	Spread	Strategic Discount	Effective Rate
	CMR 1 to CMR 2	0.25%	-0.10%	8.45%
	CMR 3 to CMR 4	0.50%	-0.10%	8.70%
	CMR 5 to CMR 6	1.00%	-0.10%	9.20%
	Not Available	1.50%	-0.10%	9.70%
	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	0.25%	-0.40%	8.15%
	AA	0.35%	-0.40%	8.25%
	A	0.45%	-0.40%	8.35%
	BBB	0.55%	-0.40%	8.45%
	Others	0.80%	-0.40%	8.70%
16	SURYODAYA SCHEME	Spread	Strategic Discount	Effective Rate
a	Capacity upto 3KV	0.00%	-2.05%	6.00%
b	Capacity above 3KV (Having Home Loan with us )	Applicable card rate for Fresh Home loans
c	Capacity above 3KV (Not having Home Loan with us )	1.00% over and above applicable card rate for Fresh Home loans