Repo latest

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

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%

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

Total Exposure up to Rs 50,000

1.85%

10.15%

9

UCO MSME GOLD Loan Scheme

Margin offered 30%

0.30%

8.60%

10

UCO BUNKAR RIN YOJANA

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

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

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

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

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)

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)

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)

800 and above

CMR-1

0.70%

9.00%

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%

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%

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)

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)

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)

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

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

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

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

8.30%

2.10%

10.40%

36

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

8.30%

1.10%

9.40%

38

GST Smart Finance

UFR

Spread

Effective RoI

8.30%

1.95%

10.25%

39

Mukhyamantri Yuva Udyami Vikas Abhiyan

UFR

Spread

Effective RoI

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

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%