Repo Linked Rate
RLLR (6.25% + 2.80%) = |
9.05% |
0.25% |
|||||||
Interest Rate structure applicable to different products / categories of Loans and Advances Linked to UCO Float : |
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|
|
w.e.f: 10.02.2025 |
|
||||||
|
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|
|||||||
UCO Float (6.25+2.80)% |
9.05% |
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Particulars |
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|
|||||||
Effective rate mentioned in this circular with reference to UCO Float prevailing on the date of circular. |
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1 |
Advances to MSME |
Spread |
Effective rate |
||||||
|
a) Total Funded Exposure up to Rs.50,000 |
0.75% |
9.80% |
||||||
|
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh |
1.25% |
10.30% |
||||||
|
c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00 Cr |
1.75% |
10.80% |
||||||
|
d) Total Funded Exposure more than Rs.1.00 crore |
As per Credit rating as under: |
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|
Internal Credit Rating |
Above 1 Cr to 10 Cr |
Above 10 Cr |
||||||
|
Spread |
Effective rate |
Spread |
Effective rate |
|||||
|
UCO 1 |
1.40% |
10.45% |
1.35% |
10.40% |
|
|||
|
UCO 2/UCO 3 |
1.70% |
10.75% |
1.65% |
10.70% |
|
|||
|
UCO 4/UCO 5 |
1.75% |
10.80% |
1.70% |
10.75% |
|
|||
|
UCO 6 |
2.20% |
11.25% |
2.15% |
11.20% |
|
|||
|
UCO 7 |
2.75% |
11.80% |
2.65% |
11.70% |
|
|||
|
UCO 8 to UCO 10 |
2.75% |
11.80% |
3.65% |
12.70% |
|
|||
2 |
Advances to Commercial Real Estate (CRE) that fall under MSME |
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|
i) Advances to CRE - Residential projects |
Spread |
Effective rate |
||||||
|
a) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh |
0.75% |
9.80% |
||||||
|
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh |
1.25% |
10.30% |
||||||
|
c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00 Cr |
1.75% |
10.80% |
||||||
|
c) Total Funded Exposure more than Rs.1.00 crore |
As per Credit rating as under: |
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|
|
|
Above 1 Cr to 10 Cr |
Above 10 Cr |
|||||
|
Internal Credit Rating |
Spread |
Effective rate |
Spread |
Effective rate |
||||
|
UCO 1 |
1.40% |
10.45% |
1.35% |
10.40% |
|
|||
|
UCO 2/UCO 3 |
1.70% |
10.75% |
1.65% |
10.70% |
|
|||
|
UCO 4/UCO 5 |
1.75% |
10.80% |
1.70% |
10.75% |
|
|||
|
UCO 6 |
2.20% |
11.25% |
2.15% |
11.20% |
|
|||
|
UCO 7 |
2.75% |
11.80% |
2.65% |
11.70% |
|
|||
|
UCO 8 to UCO 10 |
3.75% |
12.80% |
3.65% |
12.70% |
|
|||
|
ii) Advances to CRE - Others |
Spread |
Effective rate |
||||||
|
a) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh |
1.50% |
10.55% |
||||||
|
b) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00 Cr |
2.00% |
11.05% |
||||||
|
c) Total Funded Exposure more than Rs.1.00 crore |
As per Credit rating as under: |
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|
|
|
Above 1 Cr to 10 Cr |
Above 10 Cr |
|||||
|
Internal Credit Rating |
Spread |
Effective rate |
Spread |
Effective rate |
||||
|
UCO 1 |
1.65% |
10.70% |
1.60% |
10.65% |
|
|||
|
UCO 2/UCO 3 |
1.95% |
11.00% |
1.90% |
10.95% |
|
|||
|
UCO 4/UCO 5 |
2.00% |
11.05% |
1.95% |
11.00% |
|
|||
|
UCO 6 |
2.45% |
11.50% |
2.40% |
11.45% |
|
|||
|
UCO 7 |
3.00% |
12.05% |
2.90% |
11.95% |
|
|||
|
UCO 8 to UCO 10 |
4.00% |
13.05% |
3.90% |
12.95% |
|
|||
3 |
Advances for Export Credit to MSME linked to UCO Float |
|
|
|
|
|
|||
|
Pre Shipment |
Spread |
Effective rate |
||||||
|
Upto 270 days |
0.40% |
9.45% |
||||||
|
Beyond 270 days and upto 360 days |
0.55% |
9.60% |
||||||
|
Against incentive receivable from GOI up to 90 days |
0.35% |
9.40% |
||||||
|
Post Shipment |
|
|
||||||
|
On Demand Bills for transit period |
0.35% |
9.40% |
||||||
|
Usance Bills upto notional due date whichever is earlier |
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|
||||||
|
Upto 180 days |
0.35% |
9.40% |
||||||
|
More than 180 days to 365 days |
0.55% |
9.60% |
||||||
|
Against Govt. incentive Receivable from GOI upto 90 days |
0.35% |
9.40% |
||||||
|
Against undrawn balance upto 90 days |
0.35% |
9.40% |
||||||
|
Against retention money payable within 01 year for DOS ( for supplies upto 90 days) |
0.40% |
9.45% |
||||||
|
Export not otherwise specified (ECNOS) |
|
|
|
|||||
|
Pre-shipment |
5.25% |
14.30% |
||||||
|
Post-shipment |
5.25% |
14.30% |
||||||
4 |
UCO Vyapar Samridhi |
||||||||
|
a) Total Funded Exposure up to Rs.50,000 |
0.80% |
9.85% |
||||||
|
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh |
1.35% |
10.40% |
||||||
|
c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00 Cr |
1.80% |
10.85% |
||||||
5 |
Mukhya Mantri Swavlamban Yojana |
|
|
||||||
|
a) Total Funded Exposure up to Rs.50,000 |
0.80% |
9.85% |
||||||
|
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh |
1.35% |
10.40% |
||||||
|
b) Above Rs 10 lacs and upto Rs 40 lacs |
1.80% |
10.85% |
||||||
6 |
UCO Roop Sangam |
|
|
||||||
|
a) Total Funded Exposure up to Rs.50,000 |
0.80% |
9.85% |
||||||
|
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh |
1.35% |
10.40% |
||||||
7 |
PMEGP |
|
|
||||||
|
a) Total Funded Exposure up to Rs.50,000 |
0.80% |
9.85% |
||||||
|
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh |
1.35% |
10.40% |
||||||
|
b) Above Rs 10 lacs |
0.95% |
10.00% |
||||||
8 |
PMSVANidhi |
|
|
||||||
|
Total Exposure up to Rs 50,000 |
1.85% |
10.90% |
||||||
9 |
UCO MSME GOLD Loan Scheme |
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|
|||
|
(a) Margin offered 25% |
|
-0.05% |
9.00% |
|||||
|
(b) Margin Offered 30% |
|
-0.25% |
8.80% |
|||||
10 |
UCO BUNKAR RIN YOJANA |
|
|
||||||
|
For Rs 50,000 |
0.40% |
9.45% |
||||||
|
Above Rs 50,000 & upto Rs 5.00 Lakh |
1.35% |
10.40% |
||||||
11 |
Prime Minister's Mudra Yojana (PMMY) including Two wheeler & E - Rickshaw Under MUDRA |
|
|
||||||
|
For Rs 50,000 |
0.80% |
9.85% |
||||||
|
Above Rs 50,000 & upto Rs 10.00 Lakh |
1.35% |
10.40% |
||||||
12 |
UCO PM CREDIT SCHEME FOR POWERLOOM WEAVERS UNDER MUDRA(upto 10 Lakh) |
||||||||
|
For Rs 50,000 |
0.80% |
9.85% |
||||||
|
Above Rs 50,000 & upto Rs 10.00 Lakh |
1.35% |
10.40% |
||||||
13 |
UCO PM CREDIT SCHEME FOR POWERLOOM WEAVERS UNDER STANDUP INDIA |
||||||||
|
Above 10 Lakh upto 1 Crore |
1.80% |
10.85% |
||||||
14 |
ARTISAN CREDIT CARD |
||||||||
For Rs 50,000 |
0.80% |
9.85% |
|||||||
Above Rs 50,000 |
1.35% |
10.40% |
|||||||
15 |
SWAROJGAR CREDIT CARD |
||||||||
For Rs 50,000 |
0.80% |
9.85% |
|||||||
Above Rs 50,000 |
1.35% |
10.40% |
|||||||
16 |
Advances under UCO General Credit Card Scheme (UGCC) |
||||||||
For Rs 50,000 |
0.80% |
9.85% |
|||||||
Above Rs 50,000 |
1.35% |
10.40% |
|||||||
17 |
UCO Trader Scheme: |
||||||||
a) Total Funded Exposure up to Rs.50,000 |
0.80% |
9.85% |
|||||||
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh |
1.35% |
10.40% |
|||||||
c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00 Cr |
1.80% |
10.85% |
|||||||
d) Total Funded Exposure more than 1 cr |
As per Credit rating as under: |
||||||||
Internal Credit Rating |
|||||||||
UCO 1 |
1.55% |
10.60% |
|||||||
UCO 2/ UCO 3 |
1.80% |
10.85% |
|||||||
UCO 4/UCO 5 |
1.80% |
10.85% |
|||||||
UCO 6 |
2.30% |
11.35% |
|||||||
Below UCO 6 |
2.80% |
11.85% |
|||||||
18 |
UCO Udyog Bandhu Scheme: |
||||||||
|
a) Total Funded Exposure up to Rs.50,000 |
0.80% |
9.85% |
||||||
|
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh |
1.35% |
10.40% |
||||||
|
c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00 Cr |
1.80% |
10.85% |
||||||
|
d) Total Funded Exposure more than 1 cr |
As per Credit rating as under: |
|||||||
|
Internal Credit Rating |
||||||||
|
UCO 1 |
1.55% |
10.60% |
||||||
|
UCO 2/ UCO 3 |
1.80% |
10.85% |
||||||
|
UCO 4/UCO 5 |
1.80% |
10.85% |
||||||
|
UCO 6 |
2.30% |
11.35% |
||||||
|
Below UCO 6 |
2.80% |
11.85% |
||||||
|
Applicable ROI for women will be 0.25% less than that of general category. |
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19 |
UCO Doctor Scheme |
||||||||
a) Total Funded Exposure up to Rs.50,000 |
0.80% |
9.85% |
|||||||
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh |
1.35% |
10.40% |
|||||||
c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00 Cr |
1.80% |
10.85% |
|||||||
d) Total Funded Exposure more than 1 cr |
As per Credit rating as under: |
||||||||
Internal Credit Rating |
|||||||||
UCO 1 |
1.55% |
10.60% |
|||||||
UCO 2/ UCO 3 |
1.80% |
10.85% |
|||||||
UCO 4/UCO 5 |
1.80% |
10.85% |
|||||||
UCO 6 |
2.30% |
11.35% |
|||||||
Below UCO 6 |
2.80% |
11.85% |
|||||||
|
|||||||||
20 |
UCO Sanjeevani |
1.50% |
10.55% |
||||||
21 |
UCO Aarogyam |
2.75% |
11.80% |
||||||
22 |
UCO GST MITRA |
1.80% |
10.85% |
||||||
23 |
UCO START UP SCHEME: |
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|
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. |
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RoI Structure |
|||||||||
Commercial CIBIL MSME Rank (CMR) |
Rate of Interest (RoI) |
Rate of Interest (RoI) |
|
||||||
(For Firm/Company) |
|
Spread |
Effective rate |
|
|||||
CMR-1 |
UCO Float Rate + Spread |
0.85% |
9.90% |
|
|||||
CMR-2 |
UCO Float Rate + Spread |
1.15% |
10.20% |
|
|||||
CMR-3 |
UCO Float Rate + Spread |
1.45% |
10.50% |
|
|||||
CMR-4 |
UCO Float Rate + Spread |
1.75% |
10.80% |
|
|||||
CMR-5 |
UCO Float Rate + Spread |
2.05% |
11.10% |
|
|||||
CMR-6 |
UCO Float Rate + Spread |
2.35% |
11.40% |
|
|||||
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. |
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RoI Structure |
|||||||||
Internal Credit Rating |
Commercial CIBIL MSME Rank (CMR) |
Rate of Interest (RoI) |
Spread |
Effective rate |
|
||||
UCO 1 |
CMR-1 |
UCO Float Rate + Spread |
0.85% |
9.90% |
|
||||
CMR-2 |
UCO Float Rate + Spread |
0.90% |
9.95% |
|
|||||
CMR-3 |
UCO Float Rate + Spread |
0.95% |
10.00% |
|
|||||
CMR-4 |
UCO Float Rate + Spread |
1.00% |
10.05% |
|
|||||
CMR-5 |
UCO Float Rate + Spread |
1.05% |
10.10% |
|
|||||
CMR-6 |
UCO Float Rate + Spread |
1.10% |
10.15% |
|
|||||
UCO 2/UCO 3 |
CMR-1 |
UCO Float Rate + Spread |
1.15% |
10.20% |
|
||||
CMR-2 |
UCO Float Rate + Spread |
1.20% |
10.25% |
|
|||||
CMR-3 |
UCO Float Rate + Spread |
1.25% |
10.30% |
|
|||||
CMR-4 |
UCO Float Rate + Spread |
1.30% |
10.35% |
|
|||||
CMR-5 |
UCO Float Rate + Spread |
1.35% |
10.40% |
|
|||||
CMR-6 |
UCO Float Rate + Spread |
1.40% |
10.45% |
|
|||||
UCO 4/UCO 5 |
CMR-1 |
UCO Float Rate + Spread |
1.45% |
10.50% |
|
||||
CMR-2 |
UCO Float Rate + Spread |
1.50% |
10.55% |
|
|||||
CMR-3 |
UCO Float Rate + Spread |
1.65% |
10.70% |
|
|||||
CMR-4 |
UCO Float Rate + Spread |
1.70% |
10.75% |
|
|||||
CMR-5 |
UCO Float Rate + Spread |
1.75% |
10.80% |
|
|||||
CMR-6 |
UCO Float Rate + Spread |
1.80% |
10.85% |
|
|||||
UCO 6 |
CMR-1 |
UCO Float Rate + Spread |
1.85% |
10.90% |
|
||||
CMR-2 |
UCO Float Rate + Spread |
1.95% |
11.00% |
|
|||||
CMR-3 |
UCO Float Rate + Spread |
2.00% |
11.05% |
|
|||||
CMR-4 |
UCO Float Rate + Spread |
2.05% |
11.10% |
|
|||||
CMR-5 |
UCO Float Rate + Spread |
2.10% |
11.15% |
|
|||||
CMR-6 |
UCO Float Rate + Spread |
2.15% |
11.20% |
|
|||||
UCO 7 |
CMR-1 |
UCO Float Rate + Spread |
2.20% |
11.25% |
|
||||
CMR-2 |
UCO Float Rate + Spread |
2.25% |
11.30% |
|
|||||
CMR-3 |
UCO Float Rate + Spread |
2.30% |
11.35% |
|
|||||
CMR-4 |
UCO Float Rate + Spread |
2.35% |
11.40% |
|
|||||
CMR-5 |
UCO Float Rate + Spread |
2.40% |
11.45% |
|
|||||
CMR-6 |
UCO Float Rate + Spread |
2.45% |
11.50% |
|
|||||
24 |
UCO VAHAN SCHEME |
|
|
|
|
|
|
|
|
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. |
|||||||||
RoI Matrix |
|||||||||
For Loans up to ₹100 Lakhs – Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL Score |
Commercial CIBIL MSME Rank (CMR) |
Rate of Interest (RoI) |
|
||||||
(For Individual) |
(For Firm/Company/Other than Individual) |
Spread |
Effective rate |
|
|||||
800 and above |
CMR-1 |
UCO Float Rate + 0.30% |
0.55% |
9.60% |
|
||||
750 and above but up to 799 |
CMR-2 |
UCO Float Rate + 0.60% |
0.85% |
9.90% |
|
||||
725 and above but up to 749 |
CMR-3 |
UCO Float Rate + 0.80% |
1.05% |
10.10% |
|
||||
700 and above but up to 724 |
CMR-4 |
UCO Float Rate + 1.00% |
1.25% |
10.30% |
|
||||
675 and above but up to 699 |
CMR-5 |
UCO Float Rate + 1.30% |
1.55% |
10.60% |
|
||||
650 and above but up to 674 |
CMR-6 |
UCO Float Rate + 1.50% |
1.75% |
10.80% |
|
||||
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. |
|||||||||
RoI Matrix |
|||||||||
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 |
UCO 3 |
UCO 4 |
UCO 5 |
|
||
800 and above |
CMR-1 |
0.55% |
0.85% |
1.15% |
1.55% |
1.90% |
|
||
750 and above but up to 799 |
CMR-2 |
0.60% |
0.90% |
1.20% |
1.65% |
1.95% |
|
||
725 and above but up to 749 |
CMR-3 |
0.65% |
0.95% |
1.35% |
1.70% |
2.00% |
|
||
700 and above but up to 724 |
CMR-4 |
0.70% |
1.00% |
1.40% |
1.75% |
2.05% |
|
||
675 and above but up to 699 |
CMR-5 |
0.75% |
1.05% |
1.45% |
1.80% |
2.10% |
|
||
650 and above but up to 674 |
CMR-6 |
0.80% |
1.10% |
1.50% |
1.85% |
2.15% |
|
||
For Loans above ₹100 Lakhs – Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL Score |
Commercial CIBIL MSME Rank (CMR) |
ROI - Based on Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||
(For Individual) |
(For Firm/ |
|
|||||||
|
Company/ |
|
|||||||
|
Other than Individual) |
UCO 1 |
UCO 2 |
UCO 3 |
UCO 4 |
UCO 5 |
|
||
800 and above |
CMR-1 |
9.60% |
9.90% |
10.20% |
10.60% |
10.95% |
|
||
750 and above but up to 799 |
CMR-2 |
9.65% |
9.95% |
10.25% |
10.70% |
11.00% |
|
||
725 and above but up to 749 |
CMR-3 |
9.70% |
10.00% |
10.40% |
10.75% |
11.05% |
|
||
700 and above but up to 724 |
CMR-4 |
9.75% |
10.05% |
10.45% |
10.80% |
11.10% |
|
||
675 and above but up to 699 |
CMR-5 |
9.80% |
10.10% |
10.50% |
10.85% |
11.15% |
|
||
650 and above but up to 674 |
CMR-6 |
9.85% |
10.15% |
10.55% |
10.90% |
11.20% |
|
||
25 |
UCO e-VAHAN scheme |
|
|
|
|
|
|
|
|
Rate of Interest (RoI) |
|||||||||
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. |
|||||||||
RoI Matrix |
|||||||||
For Loans up to ₹100 Lakhs – Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL Score |
Commercial CIBIL MSME Rank (CMR) |
Spread |
|
||||||
(For Individual) |
(For Firm/Company/Other than Individual) |
Rate of Interest |
|
||||||
800 and above |
CMR-1 |
0.45% |
9.50% |
|
|||||
750 and above |
CMR-2 |
0.75% |
9.80% |
|
|||||
but up to 799 |
|
||||||||
725 and above |
CMR-3 |
0.95% |
10.00% |
|
|||||
but up to 749 |
|
||||||||
700 and above |
CMR-4 |
1.15% |
10.20% |
|
|||||
but up to 724 |
|
||||||||
675 and above |
CMR-5 |
1.45% |
10.50% |
|
|||||
but up to 699 |
|
||||||||
650 and above |
CMR-6 |
1.65% |
10.70% |
|
|||||
but up to 674 |
|
||||||||
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. |
|||||||||
RoI Matrix |
|||||||||
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 |
UCO 3 |
UCO 4 |
UCO 5 |
|
||
800 and above |
CMR-1 |
0.45% |
0.75% |
1.05% |
1.45% |
1.80% |
|
||
750 and above but up to 799 |
CMR-2 |
0.50% |
0.80% |
1.10% |
1.55% |
1.85% |
|
||
725 and above but up to 749 |
CMR-3 |
0.55% |
0.85% |
1.25% |
1.60% |
1.90% |
|
||
700 and above but up to 724 |
CMR-4 |
0.60% |
0.90% |
1.30% |
1.65% |
1.95% |
|
||
675 and above but up to 699 |
CMR-5 |
0.65% |
0.95% |
1.35% |
1.70% |
2.00% |
|
||
650 and above but up to 674 |
CMR-6 |
0.70% |
1.00% |
1.40% |
1.75% |
2.05% |
|
||
|
|||||||||
For Loans above ₹100 Lakhs – Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL Score |
Commercial CIBIL MSME Rank (CMR) |
ROI - Based on Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||
(For Individual) |
(For Firm/ |
|
|||||||
|
Company/ |
|
|||||||
|
Other than Individual) |
UCO 1 |
UCO 2 |
UCO 3 |
UCO 4 |
UCO 5 |
|
||
800 and above |
CMR-1 |
9.50% |
9.80% |
10.10% |
10.50% |
10.85% |
|
||
750 and above but up to 799 |
CMR-2 |
9.55% |
9.85% |
10.15% |
10.60% |
10.90% |
|
||
725 and above but up to 749 |
CMR-3 |
9.60% |
9.90% |
10.30% |
10.65% |
10.95% |
|
||
700 and above but up to 724 |
CMR-4 |
9.65% |
9.95% |
10.35% |
10.70% |
11.00% |
|
||
675 and above but up to 699 |
CMR-5 |
9.70% |
10.00% |
10.40% |
10.75% |
11.05% |
|
||
650 and above but up to 674 |
CMR-6 |
9.75% |
10.05% |
10.45% |
10.80% |
11.10% |
|||
26 |
PM VISHWAKARMA |
UFR |
Spread |
RoI |
|
|
|
|
|
|
9.05% |
3.75% |
13%* |
|
|||||
* Minimum RoI to be charged in the account will be 13% p.a and the spread to be accordingly adjusted subject to revision/ change in UCO Float rate.Kindly refer to 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. |
|
||||||||
|
|||||||||
Roi Matrix |
|
||||||||
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 |
|
|||||
800 and above |
CMR 1 |
0.55% |
9.60% |
|
|||||
750 and above but upto 799 |
CMR 2 |
0.85% |
9.90% |
|
|||||
725 and above but upto 749 |
CMR 3 |
1.25% |
10.30% |
|
|||||
700 and above but upto 724 |
CMR 4 |
1.55% |
10.60% |
|
|||||
675 and above but upto 699 |
CMR 5 |
1.75% |
10.80% |
|
|||||
650 and above but upto 674 |
CMR 6 |
2.15% |
11.20% |
|
|||||
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 |
0.55% |
0.85% |
1.15% |
1.55% |
1.90% |
|
||
750 and above but upto 799 |
CMR 2 |
0.60% |
0.90% |
1.20% |
1.65% |
1.95% |
|
||
725 and above but upto 749 |
CMR 3 |
0.65% |
0.95% |
1.35% |
1.70% |
2.00% |
|
||
700 and above but upto 724 |
CMR 4 |
0.70% |
1.00% |
1.40% |
1.75% |
2.05% |
|
||
675 and above but upto 699 |
CMR 5 |
0.75% |
1.05% |
1.45% |
1.80% |
2.10% |
|
||
650 and above but upto 674 |
CMR 6 |
0.80% |
1.10% |
1.50% |
1.85% |
2.15% |
|
||
|
|
||||||||
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 |
9.60% |
9.90% |
10.20% |
10.60% |
10.95% |
|
||
750 and above but upto 799 |
CMR 2 |
9.65% |
9.95% |
10.25% |
10.70% |
11.00% |
|
||
725 and above but upto 749 |
CMR 3 |
9.70% |
10.00% |
10.40% |
10.75% |
11.05% |
|
||
700 and above but upto 724 |
CMR 4 |
9.75% |
10.05% |
10.45% |
10.80% |
11.10% |
|
||
675 and above but upto 699 |
CMR 5 |
9.80% |
10.10% |
10.50% |
10.85% |
11.15% |
|
||
650 and above but upto 674 |
CMR 6 |
9.85% |
10.15% |
10.55% |
10.90% |
11.20% |
|
||
RoI matrix for MSME loans wherein Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) of existing borrowal account has migrated downward and review/renewal is undertaken at existing level. |
|
||||||||
|
|||||||||
Roi Matrix |
|
||||||||
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 |
2.50% |
11.55% |
|
|||||
Below 635 but upto 620 |
CMR 8 |
2.75% |
11.80% |
|
|||||
Below 620 but upto 600 |
CMR 9 |
3.00% |
12.05% |
|
|||||
Below 600 |
CMR 10 |
3.25% |
12.30% |
|
|||||
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 |
UCO 8 & below |
||
Below 650 but upto 635 |
CMR 7 |
2.25% |
2.30% |
2.35% |
2.40% |
2.45% |
2.50% |
||
Below 635 but upto 620 |
CMR 8 |
2.55% |
2.60% |
2.65% |
2.70% |
2.75% |
2.80% |
||
Below 620 but upto 600 |
CMR 9 |
2.85% |
2.90% |
2.95% |
3.00% |
3.05% |
3.10% |
||
Below 600 |
CMR 10 |
3.15% |
3.20% |
3.25% |
3.30% |
3.35% |
3.40% |
||
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 |
UCO 8 & below |
||
Below 650 but upto 635 |
CMR 7 |
11.30% |
11.35% |
11.40% |
11.45% |
11.50% |
11.55% |
||
Below 635 but upto 620 |
CMR 8 |
11.60% |
11.65% |
11.70% |
11.75% |
11.80% |
11.85% |
||
Below 620 but upto 600 |
CMR 9 |
11.90% |
11.95% |
12.00% |
12.05% |
12.10% |
12.15% |
||
Below 600 |
CMR 10 |
12.20% |
12.25% |
12.30% |
12.35% |
12.40% |
12.45% |
||
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. |
|
||||||||
|
|||||||||
Roi Matrix |
|
||||||||
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 |
2.75% |
11.80% |
|
|||||
Below 635 but upto 620 |
CMR 8 |
3.00% |
12.05% |
|
|||||
Below 620 but upto 600 |
CMR 9 |
3.25% |
12.30% |
|
|||||
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 |
UCO 8 & below |
||
Below 650 but upto 635 |
CMR 7 |
2.50% |
2.55% |
2.60% |
2.65% |
2.70% |
2.75% |
||
Below 635 but upto 620 |
CMR 8 |
2.80% |
2.85% |
2.90% |
2.95% |
3.00% |
3.05% |
||
Below 620 but upto 600 |
CMR 9 |
3.10% |
3.15% |
3.20% |
3.25% |
3.30% |
3.35% |
||
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 |
UCO 8 & below |
||
Below 650 but upto 635 |
CMR 7 |
11.55% |
11.60% |
11.65% |
11.70% |
11.75% |
11.80% |
||
Below 635 but upto 620 |
CMR 8 |
11.85% |
11.90% |
11.95% |
12.00% |
12.05% |
12.10% |
||
Below 620 but upto 600 |
CMR 9 |
12.15% |
12.20% |
12.25% |
12.30% |
12.35% |
12.40% |
||
28 |
UCO CONTRACTOR: |
|
|
|
|
|
|
||
UCO Contractor |
Roi Matrix |
|
|||||||
Collateral Norms |
Spread |
Rate of Interest |
|
||||||
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. |
0.75% |
9.80% |
|
||||||
Rate of Interest (RoI) under Hybrid Model of CGTMSE |
1.25% |
10.30% |
|
||||||
29 |
MSME PROPERTY: |
|
|
|
|
||||
Applicable for new account 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% |
CMR 1 |
0.25% |
|
|||||
Above 700 and upto 750 |
0.75% |
CMR 2 |
0.50% |
|
|||||
Above 675 and upto 700 |
1.25% |
CMR 3 |
0.75% |
|
|||||
650 to 675 |
1.75% |
CMR 4 |
1.00% |
|
|||||
|
|
CMR 5 |
1.25% |
|
|||||
|
|
CMR 6 |
1.75% |
|
|||||
|
|
CMR 7 |
2.05% |
|
|||||
|
|
CMR 8 |
2.15% |
|
|||||
Applicable for new account 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 |
RoI |
Score |
RoI |
|
|||||
Above 750 |
9.30% |
CMR 1 |
9.30% |
|
|||||
Above 700 and upto 750 |
9.80% |
CMR 2 |
9.55% |
|
|||||
Above 675 and upto 700 |
10.30% |
CMR 3 |
9.80% |
|
|||||
650 to 675 |
10.80% |
CMR 4 |
10.05% |
|
|||||
|
|
CMR 5 |
10.30% |
|
|||||
|
|
CMR 6 |
10.80% |
|
|||||
|
|
CMR 7 |
11.10% |
|
|||||
|
|
CMR 8 |
11.20% |
|
|||||
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 wiiiit 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% |
CMR 9 |
2.50% |
|
|||||
Below 635 but upto 620 |
2.50% |
CMR 10 |
3.00% |
|
|||||
Below 620 but upto 600 |
2.75% |
|
|
|
|||||
Below 600 |
3.00% |
|
|
|
|||||
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 wiiiit enhancement |
|
||||||||
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 |
11.30% |
CMR 9 |
11.55% |
|
|||||
Below 635 but upto 620 |
11.55% |
CMR 10 |
12.05% |
|
|||||
Below 620 but upto 600 |
11.80% |
|
|
|
|||||
Below 600 |
12.05% |
|
|
|
|||||
30 |
UCO EQUIPMENT FINANCE |
|
|
|
|
|
|
|
|
For Credit Facility upto Rs 100 lakhs, RoI will be linked to Consumer Cibil score/Commercial CIBIL MSME Rank (CMR) of the borrower. |
|
||||||||
|
|||||||||
Roi Matrix |
|
|
|||||||
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 |
|
|
||||
800 and above |
CMR 1 |
0.55% |
9.60% |
|
|
||||
750 and above but upto 799 |
CMR 2 |
0.85% |
9.90% |
|
|
||||
725 and above but upto 749 |
CMR 3 |
1.25% |
10.30% |
|
|
||||
700 and above but upto 724 |
CMR 4 |
1.55% |
10.60% |
|
|
||||
675 and above but upto 699 |
CMR 5 |
1.75% |
10.80% |
|
|
||||
650 and above but upto 674 |
CMR 6 |
2.15% |
11.20% |
|
|
||||
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 |
0.55% |
0.85% |
1.15% |
1.55% |
1.90% |
|
||
750 and above but upto 799 |
CMR 2 |
0.60% |
0.90% |
1.20% |
1.65% |
1.95% |
|
||
725 and above but upto 749 |
CMR 3 |
0.65% |
0.95% |
1.35% |
1.70% |
2.00% |
|
||
700 and above but upto 724 |
CMR 4 |
0.70% |
1.00% |
1.40% |
1.75% |
2.05% |
|
||
675 and above but upto 699 |
CMR 5 |
0.75% |
1.05% |
1.45% |
1.80% |
2.10% |
|
||
650 and above but upto 674 |
CMR 6 |
0.80% |
1.10% |
1.50% |
1.85% |
2.15% |
|
||
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 |
9.60% |
9.90% |
10.20% |
10.60% |
10.95% |
|
||
750 and above but upto 799 |
CMR 2 |
9.65% |
9.95% |
10.25% |
10.70% |
11.00% |
|
||
725 and above but upto 749 |
CMR 3 |
9.70% |
10.00% |
10.40% |
10.75% |
11.05% |
|
||
700 and above but upto 724 |
CMR 4 |
9.75% |
10.05% |
10.45% |
10.80% |
11.10% |
|
||
675 and above but upto 699 |
CMR 5 |
9.80% |
10.10% |
10.50% |
10.85% |
11.15% |
|
||
650 and above but upto 674 |
CMR 6 |
9.85% |
10.15% |
10.55% |
10.90% |
11.20% |
|
||
|
|
|
|||||||
RoI matrix for MSME loans wherein Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) of existing borrowal account has migrated downward and review/renewal is undertaken at existing level. |
|
||||||||
|
|||||||||
Roi Matrix |
|
|
|||||||
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 |
2.50% |
11.55% |
|
|
||||
Below 635 but upto 620 |
CMR 8 |
2.75% |
11.80% |
|
|
||||
Below 620 but upto 600 |
CMR 9 |
3.00% |
12.05% |
|
|
||||
Below 600 |
CMR 10 |
3.25% |
12.30% |
|
|
||||
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 |
UCO 8 & below |
||
Below 650 but upto 635 |
CMR 7 |
2.25% |
2.30% |
2.35% |
2.40% |
2.45% |
2.50% |
||
Below 635 but upto 620 |
CMR 8 |
2.55% |
2.60% |
2.65% |
2.70% |
2.75% |
2.80% |
||
Below 620 but upto 600 |
CMR 9 |
2.85% |
2.90% |
2.95% |
3.00% |
3.05% |
3.10% |
||
Below 600 |
CMR 10 |
3.15% |
3.20% |
3.25% |
3.30% |
3.35% |
3.40% |
||
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 |
UCO 8 & below |
||
Below 650 but upto 635 |
CMR 7 |
11.30% |
11.35% |
11.40% |
11.45% |
11.50% |
11.55% |
||
Below 635 but upto 620 |
CMR 8 |
11.60% |
11.65% |
11.70% |
11.75% |
11.80% |
11.85% |
||
Below 620 but upto 600 |
CMR 9 |
11.90% |
11.95% |
12.00% |
12.05% |
12.10% |
12.15% |
||
Below 600 |
CMR 10 |
12.20% |
12.25% |
12.30% |
12.35% |
12.40% |
12.45% |
||
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. |
|
||||||||
|
|||||||||
Roi Matrix |
|
|
|||||||
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 |
2.75% |
11.80% |
|
|
||||
Below 635 but upto 620 |
CMR 8 |
3.00% |
12.05% |
|
|
||||
Below 620 but upto 600 |
CMR 9 |
3.25% |
12.30% |
|
|
||||
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 |
UCO 8 & below |
||
Below 650 but upto 635 |
CMR 7 |
2.50% |
2.55% |
2.60% |
2.65% |
2.70% |
2.75% |
||
Below 635 but upto 620 |
CMR 8 |
2.80% |
2.85% |
2.90% |
2.95% |
3.00% |
3.05% |
||
Below 620 but upto 600 |
CMR 9 |
3.10% |
3.15% |
3.20% |
3.25% |
3.30% |
3.35% |
||
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 |
UCO 8 & below |
||
Below 650 but upto 635 |
CMR 7 |
11.55% |
11.60% |
11.65% |
11.70% |
11.75% |
11.80% |
||
Below 635 but upto 620 |
CMR 8 |
11.85% |
11.90% |
11.95% |
12.00% |
12.05% |
12.10% |
||
Below 620 but upto 600 |
CMR 9 |
12.15% |
12.20% |
12.25% |
12.30% |
12.35% |
12.40% |
||
31 |
UCO ARHATIYAS |
|
|
|
|
|
|
|
|
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 |
UCO 4/UCO 5/UCO 6 |
UCO 7 |
|
||||
800 and above |
CMR 1 |
0.35% |
0.35% |
0.80% |
1.10% |
|
|||
750 and above but upto 799 |
CMR 2 |
0.40% |
0.40% |
0.85% |
1.15% |
|
|||
725 and above but upto 749 |
CMR 3 |
0.45% |
0.45% |
0.90% |
1.20% |
|
|||
700 and above but upto 724 |
CMR 4 |
0.50% |
0.50% |
0.95% |
1.25% |
|
|||
675 and above but upto 699 |
CMR 5 |
0.55% |
0.55% |
1.00% |
1.30% |
|
|||
650 and above but upto 674 |
CMR 6 |
0.75% |
0.75% |
1.05% |
1.35% |
|
|||
|
CMR 7 |
1.40% |
1.45% |
1.50% |
1.55% |
|
|||
CMR 8 |
1.65% |
1.75% |
1.85% |
1.95% |
|
||||
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 |
RoI for credit facility where ICR is required |
|
|||||
|
|
UCO 1/UCO 2/UCO 3 |
UCO 4/UCO 5/UCO 6 |
UCO 7 |
|
||||
800 and above |
CMR 1 |
9.40% |
9.40% |
9.85% |
10.15% |
|
|||
750 and above but upto 799 |
CMR 2 |
9.45% |
9.45% |
9.90% |
10.20% |
|
|||
725 and above but upto 749 |
CMR 3 |
9.50% |
9.50% |
9.95% |
10.25% |
|
|||
700 and above but upto 724 |
CMR 4 |
9.55% |
9.55% |
10.00% |
10.30% |
|
|||
675 and above but upto 699 |
CMR 5 |
9.60% |
9.60% |
10.05% |
10.35% |
|
|||
650 and above but upto 674 |
CMR 6 |
9.80% |
9.80% |
10.10% |
10.40% |
|
|||
|
CMR 7 |
10.45% |
10.50% |
10.55% |
10.60% |
|
|||
CMR 8 |
10.70% |
10.80% |
10.90% |
11.00% |
|
||||
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 |
UCO 4 & UCO 5 |
UCO 6 |
UCO 7 |
UCO 8 & below |
||
Below 650 but upto 635 |
|
1.00% |
1.00% |
1.05% |
1.10% |
1.15% |
1.20% |
1.25% |
|
Below 635 but upto 620 |
1.05% |
1.30% |
1.35% |
1.40% |
1.45% |
1.50% |
1.55% |
||
Below 620 but upto 600 |
1.10% |
1.60% |
1.65% |
1.70% |
1.75% |
1.80% |
1.85% |
||
Below 600 |
1.25% |
1.90% |
1.95% |
2.00% |
2.05% |
2.10% |
2.15% |
||
|
CMR 9 |
2.25% |
2.25% |
2.35% |
2.40% |
2.45% |
2.50% |
2.55% |
|
CMR 10 |
2.65% |
2.70% |
2.75% |
2.80% |
2.85% |
2.90% |
2.95% |
||
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 |
RoI for credit facility where ICR is required |
|
|||||
|
|
UCO 1 |
UCO 2 & UCO 3 |
UCO 4 & UCO 5 |
UCO 6 |
UCO 7 |
UCO 8 & below |
||
Below 650 but upto 635 |
|
10.05% |
10.05% |
10.10% |
10.15% |
10.20% |
10.25% |
10.30% |
|
Below 635 but upto 620 |
10.10% |
10.35% |
10.40% |
10.45% |
10.50% |
10.55% |
10.60% |
||
Below 620 but upto 600 |
10.15% |
10.65% |
10.70% |
10.75% |
10.80% |
10.85% |
10.90% |
||
Below 600 |
10.30% |
10.95% |
11.00% |
11.05% |
11.10% |
11.15% |
11.20% |
||
|
CMR 9 |
11.30% |
11.30% |
11.40% |
11.45% |
11.50% |
11.55% |
11.60% |
|
CMR 10 |
11.70% |
11.75% |
11.80% |
11.85% |
11.90% |
11.95% |
12.00% |
||
|
|
|
|||||||
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 credit facility wherein ICR is not required |
Spread for credit facility where ICR is required |
|
|||||
|
|
UCO 1 |
UCO 2 & UCO 3 |
UCO 4 & UCO 5 |
UCO 6 |
UCO 7 |
UCO 8 & below |
||
Below 650 but upto 635 |
|
1.10% |
1.10% |
1.15% |
1.20% |
1.25% |
1.30% |
1.35% |
|
Below 635 but upto 620 |
1.15% |
1.40% |
1.45% |
1.50% |
1.55% |
1.60% |
1.65% |
||
Below 620 but upto 600 |
1.20% |
1.70% |
1.75% |
1.80% |
1.85% |
1.90% |
1.95% |
||
Below 600 |
1.25% |
2.00% |
2.05% |
2.10% |
2.15% |
2.20% |
2.25% |
||
|
CMR 9 |
2.25% |
2.25% |
2.35% |
2.40% |
2.45% |
2.50% |
2.55% |
|
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 credit facility wherein ICR is not required |
RoI for credit facility where ICR is required |
|
|||||
|
|
UCO 1 |
UCO 2 & UCO 3 |
UCO 4 & UCO 5 |
UCO 6 |
UCO 7 |
UCO 8 & below |
||
Below 650 but upto 635 |
|
10.15% |
10.15% |
10.20% |
10.25% |
10.30% |
10.35% |
10.40% |
|
Below 635 but upto 620 |
10.20% |
10.45% |
10.50% |
10.55% |
10.60% |
10.65% |
10.70% |
||
Below 620 but upto 600 |
10.25% |
10.75% |
10.80% |
10.85% |
10.90% |
10.95% |
11.00% |
||
Below 600 |
10.30% |
11.05% |
11.10% |
11.15% |
11.20% |
11.25% |
11.30% |
||
|
CMR 9 |
11.30% |
11.30% |
11.40% |
11.45% |
11.50% |
11.55% |
11.60% |
|
32 |
UCO RICE SHELLER: |
|
|
|
|
|
|||
RoI for credit facility (CC/TL)where ICR is required |
|
||||||||
ICR |
Spread |
Effective RoI |
|
||||||
UCO 1 |
-0.85% |
8.20% |
|
||||||
UCO 2 |
-0.80% |
8.25% |
|
||||||
UCO 3 |
-0.75% |
8.30% |
|
||||||
UCO 4 |
-0.70% |
8.35% |
|
||||||
UCO 5 |
-0.55% |
8.50% |
|
||||||
UCO 6 |
-0.45% |
8.60% |
|
||||||
UCO 7 |
0.70% |
9.75% |
|
||||||
UCO 8 |
1.20% |
10.25% |
|
||||||
UCO 9 |
2.25% |
11.30% |
|
||||||
UCO 10 |
2.75% |
11.80% |
|
||||||
RoI for credit facility (CC/TL)where ICR is not required |
|
||||||||
ICR |
Spread |
Effective RoI |
|
||||||
Not required |
-0.55% |
8.50% |
|
||||||
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 OFFICE: |
|
|||||||
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 |
0.25% |
CMR 1 |
0.25% |
|
|||||
Above 700 and upto 750 |
0.75% |
CMR 2 |
0.50% |
|
|||||
Above 675 and upto 700 |
1.25% |
CMR 3 |
0.75% |
|
|||||
650 to 675 |
1.75% |
CMR 4 |
1.00% |
|
|||||
|
|
CMR 5 |
1.25% |
|
|||||
|
|
CMR 6 |
1.75% |
|
|||||
|
|
CMR 7 |
2.05% |
|
|||||
|
|
CMR 8 |
2.15% |
|
|||||
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 |
RoI |
Score |
RoI |
|
|||||
Above 750 |
9.30% |
CMR 1 |
9.30% |
|
|||||
Above 700 and upto 750 |
9.80% |
CMR 2 |
9.55% |
|
|||||
Above 675 and upto 700 |
10.30% |
CMR 3 |
9.80% |
|
|||||
650 to 675 |
10.80% |
CMR 4 |
10.05% |
|
|||||
|
|
CMR 5 |
10.30% |
|
|||||
|
|
CMR 6 |
10.80% |
|
|||||
|
|
CMR 7 |
11.10% |
|
|||||
|
|
CMR 8 |
11.20% |
|
|||||
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 |
2.25% |
CMR 9 |
2.50% |
|
|||||
Below 635 but upto 620 |
2.50% |
CMR 10 |
3.00% |
|
|||||
Below 620 but upto 600 |
2.75% |
|
|
|
|||||
Below 600 |
3.00% |
|
|
|
|||||
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 |
11.30% |
CMR 9 |
11.55% |
|
|||||
Below 635 but upto 620 |
11.55% |
CMR 10 |
12.05% |
|
|||||
Below 620 but upto 600 |
11.80% |
|
|
|
|||||
Below 600 |
12.05% |
|
|
|
|||||
34 |
UCO ABHINANDAN SCHEME |
|
|
|
|
|
|||
Security Coverage 75% and Above |
|
||||||||
ICR |
Spread |
Effective RoI |
|
||||||
UCO 1 |
-0.50% |
8.55% |
|
||||||
UCO 2 |
-0.40% |
8.65% |
|
||||||
UCO 3 |
-0.30% |
8.75% |
|
||||||
UCO 4 |
-0.05% |
9.00% |
|
||||||
UCO 5 |
0.20% |
9.25% |
|
||||||
Security Coverage 50% and above but below 75% |
|
||||||||
ICR |
Spread |
Effective RoI |
|
||||||
UCO 1 |
-0.40% |
8.65% |
|
||||||
UCO 2 |
-0.30% |
8.75% |
|
||||||
UCO 3 |
-0.15% |
8.90% |
|
||||||
UCO 4 |
0.10% |
9.15% |
|
||||||
UCO 5 |
0.25% |
9.30% |
|
||||||
Security Coverage 40% and above but below 50% |
|
||||||||
ICR |
Spread |
Effective RoI |
|
||||||
UCO 1 |
-0.20% |
8.85% |
|
||||||
UCO 2 |
0.00% |
9.05% |
|
||||||
UCO 3 |
0.15% |
9.20% |
|
||||||
UCO 4 |
0.30% |
9.35% |
|
||||||
UCO 5 |
0.45% |
9.50% |
|
||||||
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 |
0.65% |
9.70% |
|
||||||
UCO 7 |
1.20% |
10.25% |
|
||||||
UCO 8 |
1.95% |
11.00% |
|
||||||
UCO 9 |
2.45% |
11.50% |
|
||||||
UCO 10 |
2.95% |
12.00% |
|
||||||
35 |
MSME Smart Finance |
RoI |
|
|
|||||
UFR |
Spread |
Effective RoI |
|||||||
9.05% |
1.60% |
10.65% |
|||||||
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% |
CMR 1 |
0.25% |
|
|||||
850 to 874 |
0.45% |
CMR 2 |
0.45% |
|
|||||
825 to 849 |
0.65% |
CMR 3 |
0.65% |
|
|||||
800 to 824 |
0.85% |
CMR 4 |
0.85% |
|
|||||
750 to 799 |
1.05% |
CMR 5 |
1.05% |
|
|||||
700 to 749 |
1.25% |
CMR 6 |
1.25% |
|
|||||
600 to 699 |
2.75% |
CMR 7/CMR 8 |
2.75% |
|
|||||
Below 600 |
3.75% |
CMR 9/CMR 10 |
3.75% |
|
|||||
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 |
9.30% |
CMR 1 |
9.30% |
|
|||||
850 to 874 |
9.50% |
CMR 2 |
9.50% |
|
|||||
825 to 849 |
9.70% |
CMR 3 |
9.70% |
|
|||||
800 to 824 |
9.90% |
CMR 4 |
9.90% |
|
|||||
750 to 799 |
10.10% |
CMR 5 |
10.10% |
|
|||||
700 to 749 |
10.30% |
CMR 6 |
10.30% |
|
|||||
600 to 699 |
11.80% |
CMR 7/CMR 8 |
11.80% |
|
|||||
Below 600 |
12.80% |
CMR 9/CMR 10 |
12.80% |
|
|||||
37 |
STP Shishu Mudra |
UFR |
Spread |
RoI |
|||||
|
9.05% |
0.80% |
9.85% |
||||||
38 |
GST Smart Finance |
UFR |
Spread |
RoI |
|||||
|
9.05% |
1.95% |
11.00% |
||||||
39 |
Mukhyamantri Yuva Udyami Vikas Abhiyan |
UFR |
Spread |
RoI |
|
|
|
||
9.05% |
0.95% |
10.00% |
|
||||||
* Fixed RoI of 10% to be charged in the account and the spread to be accordingly adjusted subject to revision/ change in UCO Float rate.Kindly refer to circular no CHO/MSME/32/2024-25 dated 30.01.2025 and subsequent revisions/modifications issued by MSME department for further guidelines. |
|||||||||
40 |
UCO CA LOAN SCHEME |
UFR |
Spread |
RoI |
|||||
|
9.05% |
2.80% |
11.85% |
||||||
41 |
Note: For agriculture loans linked to float kindly be guided by circular no CHO/RM/44/2024-25 dated 04.12.2024 titled "guidelines on interest rate on advances" and circulars issued by ARBD department on specific products. |
||||||||
Interest Rate structure applicable to existing Retail Schematic Loans & Advances Linked to UCO Float :
UCO Float (6.25+2.80)% |
9.05% |
w.e.f: 12.02.2025 |
|
|||||
Particulars |
|
|||||||
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 ≥ 775 score |
1.90% |
10.95% |
|||||
|
For Cibil with ≥750 and ≤774 |
2.15% |
11.20% |
|||||
|
For Cibil ≥700 and ≤749 |
2.40% |
11.45% |
|||||
|
For Cibil ≥650 and ≤699 |
2.90% |
11.95% |
|||||
|
For Cibil ≤649 |
3.90% |
12.95% |
|||||
|
UCO Cash Loan: Without Salary Account in our Bank |
|
|
|||||
|
For Cibil with ≥ 775 score |
2.15% |
11.20% |
|||||
|
For Cibil with ≥750 and ≤774 |
2.40% |
11.45% |
|||||
|
For Cibil ≥700 and ≤749 |
2.65% |
11.70% |
|||||
|
For Cibil ≥650 and ≤699 |
3.15% |
12.20% |
|||||
|
For Cibil ≤649 |
4.15% |
13.20% |
|||||
|
UCO Cash Loan: Other than Govt Employee |
|
|
|||||
|
For Cibil with ≥ 775 score |
2.90% |
11.95% |
|||||
|
For Cibil with ≥750 and ≤774 |
3.15% |
12.20% |
|||||
|
For Cibil ≥700 and ≤749 |
3.40% |
12.45% |
|||||
|
For Cibil ≥650 and ≤699 |
3.90% |
12.95% |
|||||
|
For Cibil ≤649 |
4.90% |
13.95% |
|||||
|
Non Salaried Class |
|
|
|||||
|
For Cibil with ≥ 775 score |
2.90% |
11.95% |
|||||
|
For Cibil with ≥750 and ≤774 |
3.15% |
12.20% |
|||||
|
For Cibil ≥700 and ≤749 |
3.40% |
12.45% |
|||||
2 |
UCO Securities |
2.85% |
11.90% |
|||||
3 |
UCO 2-Wheeler |
Spread |
Effective ROI |
|||||
|
(a) General Category |
5.05% |
14.10% |
|||||
|
(b) Full Liquid Collateral |
4.05% |
13.10% |
|||||
|
(c) 50% Liquid Collateral |
4.55% |
13.60% |
|||||
4 |
Uco 2-Wheeler Elite |
Spread |
Effective ROI |
|||||
|
For Cibil with ≥ 800 score |
0.95% |
10.00% |
|||||
|
For Cibil with ≥750 and ≤799 |
1.45% |
10.50% |
|||||
|
For Cibil ≥721 and ≤749 |
1.95% |
11.00% |
|||||
5 |
UCO Gold Loan Scheme (Priority Sector & Non Priorty Sector) |
Spread |
Effective ROI |
|||||
|
Margin Offered |
|
|
|||||
|
30% |
0.15% |
9.20% |
|||||
|
40% |
-0.05% |
9.00% |
|||||
|
Gold Loan OD 30% (NPS) |
0.35% |
9.40% |
|||||
6 |
Education Loan: UCO Udaan |
|||||||
a |
IBA |
Spread |
Effective ROI |
|||||
|
UP TO 7.5 Lacs |
2.65% |
11.70% |
|||||
|
ABOVE 7.5 Lacs |
2.25% |
11.30% |
|||||
b |
UCO Skill |
1.50% |
10.55% |
|||||
c |
Education Loan: UCO Udaan |
Spread |
Effective ROI |
|||||
|
For List 'A' Institute with Nil Collateral |
-0.25% |
8.80% |
|||||
|
For List 'B' Institute with Nil Collateral |
0.15% |
9.20% |
|||||
|
For List 'C' Institute with Nil Collateral |
1.85% |
10.90% |
|||||
|
For List 'A' Institute with at least 100% collateral |
-0.55% |
8.50% |
|||||
|
For List 'B' Institute with at least 100% collateral |
-0.25% |
8.80% |
|||||
|
For List 'C' Institute with at least 100% collateral |
0.85% |
9.90% |
|||||
|
For List 'A' Institute with less than 100% collateral |
-0.35% |
8.70% |
|||||
|
For List 'B' Institute with less than 100% collateral |
0.00% |
9.05% |
|||||
|
For List 'C' Institute with less than 100% collateral |
1.35% |
10.40% |
|||||
d |
Education Loans: Uco Utkarsh |
Spread |
Effective ROI |
|||||
|
For List 'A' Institute with Nil Collateral |
-0.15% |
8.90% |
|||||
|
For List 'B' Institute with Nil Collateral |
0.25% |
9.30% |
|||||
|
For List 'C' Institute with Nil Collateral |
1.95% |
11.00% |
|||||
|
For List 'A' Institute with at least 100% collateral |
-0.45% |
8.60% |
|||||
|
For List 'B' Institute with at least 100% collateral |
-0.15% |
8.90% |
|||||
|
For List 'C' Institute with at least 100% collateral |
0.95% |
10.00% |
|||||
|
For List 'A' Institute with less than 100% collateral |
-0.25% |
8.80% |
|||||
|
For List 'B' Institute with less than 100% collateral |
0.10% |
9.15% |
|||||
|
For List 'C' Institute with less than 100% collateral |
1.45% |
10.50% |
|||||
e |
Education Loan: Uco Aspire 2.0 |
Spread |
Effective ROI |
|||||
|
For Webometrics Ranking 'Upto 200' with at least 100 % Collateral |
-0.10% |
8.95% |
|||||
|
For Webometrics Ranking '201-500' with at least 100 % Collateral |
0.00% |
9.05% |
|||||
|
For Webometrics Ranking '501-1500' with at least 100 % Collateral |
0.25% |
9.30% |
|||||
|
For Webometrics Ranking 'Upto 200' with less than 100% Collateral |
0.10% |
9.15% |
|||||
|
For Webometrics Ranking '201-500' with less than 100% Collateral |
0.25% |
9.30% |
|||||
|
For Webometrics Ranking '501-1500' with less than 100% Collateral |
0.75% |
9.80% |
|||||
7 |
PENSION STP |
Spread |
Effective ROI |
|||||
a |
CUSTOMER |
3.30% |
12.35% |
|||||
|
UCO EX-STAFF |
2.30% |
11.35% |
|||||
8 |
UCO PENSION |
Spread |
Effective ROI |
|||||
|
CUSTOMER |
3.80% |
12.85% |
|||||
|
UCO EX-STAFF |
2.80% |
11.85% |
|||||
9 |
PQPL |
Spread |
Effective ROI |
|||||
|
775 and above |
2.70% |
11.75% |
|||||
|
750 to 774 |
3.45% |
12.50% |
|||||
|
725 to 749 |
3.95% |
13.00% |
|||||
10 |
SELECT PLUS |
Spread |
Effective ROI |
|||||
|
775 and above |
2.70% |
11.75% |
|||||
|
750 to 774 |
3.45% |
12.50% |
|||||
11 |
UCO AASHRAY |
Spread |
Effective ROI |
|||||
|
>800 |
-0.05% |
9.00% |
|||||
|
750-799 |
0.05% |
9.10% |
|||||
|
700-749 |
0.95% |
10.00% |
|||||
|
0,-1,<300 |
1.20% |
10.25% |
|||||
12 |
Other Retail Schemes |
Spread |
Effective ROI |
|||||
|
(i) UCO Swabhimaan |
3.30% |
12.35% |
|||||
|
(ii) UCO Rent |
|
|
|||||
|
(a) Owner of our Bank's Branch |
1.80% |
10.85% |
|||||
|
(a) To Owner of our Bank’s Branch Premises or where tenant is PSUs, Reputed Corporates, FI, Insurance Companies and MNCs |
1.95% |
11.00% |
|||||
|
(b) For others - repyament upto 36 Months |
2.65% |
11.70% |
|||||
|
(c) For others - repyament above 36 Months |
2.90% |
11.95% |
|||||
|
(iii) UCO Shopper |
Spread |
Effective ROI |
|||||
|
UCO Shopper-salary Tie up/ 100% Liquid security |
1.80% |
10.85% |
|||||
|
UCO Shopper- other cases |
2.80% |
11.85% |
|||||
|
(iv) UCO Property- Individuals |
Spread |
Effective ROI |
|||||
|
≥ 800 |
1.20% |
10.25% |
|||||
|
≥750 & ≤799 |
1.45% |
10.50% |
|||||
|
≥700 & ≤749 |
1.95% |
11.00% |
|||||
|
≥650 & ≤699 |
2.45% |
11.50% |
|||||
|
<650 |
2.95% |
12.00% |
|||||
|
(v) UCO Property-Firms/Companies |
Spread |
Effective ROI |
|||||
|
CMR 1 to CRM 2 |
1.20% |
10.25% |
|||||
|
CRM 3 to CMR 4 |
1.45% |
10.50% |
|||||
|
CRM 5 to CMR 6 |
1.95% |
11.00% |
|||||
|
CMR-7 and Above |
2.45% |
11.50% |
|||||
|
(vi) UCO CA |
2.80% |
11.85% |
|||||
13 |
HOME LOAN |
Spread |
Strategic Discount |
Effective Rate |
||||
a |
Individuals |
|
|
|||||
|
For Home Loan (Borrowers with Cibil Score or Equivalent ≥825) (Uco Super Platina Customers) |
0.00% |
-0.70% |
8.35% |
||||
|
For Home Loan (Borrowers with Cibil Score or Equivalent ≥800 and ≤824) (Uco Platina Customers) |
0.05% |
-0.70% |
8.40% |
||||
|
For Home Loan (Borrowers with Cibil Score or Equivalent ≥750 and≤ 799) (Uco Premia Customers) |
0.15% |
-0.70% |
8.50% |
||||
|
For Home Loan (Borrowers with Cibil Score or Equivalent ≥700 and≤ 749) (Uco Optima Customers) |
0.40% |
-0.70% |
8.75% |
||||
|
For Home Loan (Borrowers with Cibil Score 0-1 or <300) (New To Credit) |
0.80% |
-0.70% |
9.15% |
||||
|
For Home Loan (Borrowers with Cibil Score ≥650 and ≤699) |
1.10% |
-0.70% |
9.45% |
||||
|
For Home Loan (Borrowers with Cibil Score ≥600 and ≤649) |
0.95% |
0.00% |
10.00% |
||||
b |
Uco Corporate Home Loan Scheme |
Spread |
Strategic Discount |
Effective Rate |
||||
|
Corporates having Internal Credit Rating UCO5 and above |
|
2.80% |
11.85% |
||||
|
For Others |
|
3.80% |
12.85% |
||||
c |
UCO TOP UP HOME LOAN |
Spread |
Strategic Discount |
Effective Rate |
||||
|
For Customers with CIBIL ≥800 |
0.50% |
-0.25% |
9.30% |
||||
|
For Customers with CIBIL ≥750 and ≤799 |
0.50% |
-0.05% |
9.50% |
||||
|
For Customers with CIBIL ≥700 and ≤749 |
0.70% |
-0.05% |
9.70% |
||||
|
For Customers with CIBIL ≥650 and ≤699 |
1.45% |
0.00% |
10.50% |
||||
|
For Customers with CIBIL ≥649 |
2.45% |
0.00% |
11.50% |
||||
14 |
UCO CAR |
|
||||||
a |
Individuals with CIBIL SCORE |
Spread |
Strategic Discount |
Effective Rate |
||||
|
For CIBIL ≥ 800 |
|
-0.35% |
8.70% |
||||
|
For 750 ≤ CIBIL ≤799 |
0.10% |
-0.35% |
8.80% |
||||
|
For 700 ≤ CIBIL ≤749 |
|
||||||
|
i)Rate for Category A |
0.20% |
-0.35% |
8.90% |
||||
|
ii)Rate for Category B |
0.30% |
-0.35% |
9.00% |
||||
|
iii)Rate other than for Category A and Category B |
0.40% |
-0.35% |
9.10% |
||||
|
For CIBIL 0 - 1 or < 300 |
|
||||||
|
i)Rate for Category A |
0.45% |
-0.35% |
9.15% |
||||
|
ii)Rate for Category B |
0.55% |
-0.35% |
9.25% |
||||
|
iii)Rate other than for Category A and Category B |
0.65% |
-0.35% |
9.35% |
||||
|
For CIBIL 650 ≤ CIBIL ≤699 |
1.00% |
0.00% |
10.05% |
||||
|
For CIBIL 600 ≤ CIBIL ≤649 |
1.95% |
0.00% |
11.00% |
||||
b |
BUSINESS CONCERN with CMR Ranking |
Spread |
Strategic Discount |
Effective Rate |
||||
|
CMR 1 to CMR 2 |
0.25% |
0.00% |
9.30% |
||||
|
CMR 3 to CMR 4 |
0.50% |
0.00% |
9.55% |
||||
|
CMR 5 to CMR 6 |
1.00% |
0.00% |
10.05% |
||||
|
Not Available |
1.50% |
0.00% |
10.55% |
||||
|
For purchase of Pre-used Car -Purchased from Certified Car Dealer |
2% over and above the applicable card rate |
||||||
|
For purchase of Pre-used Car - all Others |
3% over and above the applicable card rate |
||||||
c |
Based on External Rating |
|
||||||
|
AAA |
0.25% |
-0.30% |
9.00% |
||||
|
AA |
0.35% |
-0.30% |
9.10% |
||||
|
A |
0.45% |
-0.30% |
9.20% |
||||
|
BBB |
0.25% |
0.00% |
9.30% |
||||
|
Others |
0.50% |
0.00% |
9.55% |
||||
15 |
UCO CAR (EV) |
|
||||||
a |
Individuals with CIBIL SCORE |
Spread |
Strategic Discount |
Effective Rate |
||||
|
For CIBIL ≥ 800 |
|
-0.45% |
8.60% |
||||
|
For 750 ≤ CIBIL ≤799 |
0.10% |
-0.45% |
8.70% |
||||
|
For 700 ≤ CIBIL ≤749 |
|
||||||
|
i)Rate for Category A |
0.20% |
-0.45% |
8.80% |
||||
|
ii)Rate for Category B |
0.30% |
-0.45% |
8.90% |
||||
|
iii)Rate other than for Category A and Category B |
0.40% |
-0.45% |
9.00% |
||||
|
For CIBIL 0 - 1 or < 300 |
|
||||||
|
i)Rate for Category A |
0.45% |
-0.45% |
9.05% |
||||
|
ii)Rate for Category B |
0.55% |
-0.45% |
9.15% |
||||
|
iii)Rate other than for Category A and Category B |
0.65% |
-0.45% |
9.25% |
||||
|
For CIBIL 650 ≤ CIBIL ≤699 |
0.90% |
0.00% |
9.95% |
||||
b |
BUSINESS CONCERN with CMR Ranking |
Spread |
Strategic Discount |
Effective Rate |
||||
|
CMR 1 to CMR 2 |
0.25% |
-0.10% |
9.20% |
||||
|
CMR 3 to CMR 4 |
0.50% |
-0.10% |
9.45% |
||||
|
CMR 5 to CMR 6 |
1.00% |
-0.10% |
9.95% |
||||
|
Not Available |
1.50% |
-0.10% |
10.45% |
||||
|
For purchase of Pre-used Car -Purchased from Certified Car Dealer |
2% over and above the applicable card rate |
||||||
|
For purchase of Pre-used Car - all Others |
3% over and above the applicable card rate |
||||||
c |
Based on External Rating |
|
||||||
|
AAA |
0.25% |
-0.40% |
8.90% |
||||
|
AA |
0.35% |
-0.40% |
9.00% |
||||
|
A |
0.45% |
-0.40% |
9.10% |
||||
|
BBB |
0.55% |
-0.40% |
9.20% |
||||
|
Others |
0.80% |
-0.40% |
9.45% |
||||
16 |
SURYODAYA SCHEME |
Spread |
Strategic Discount |
Effective Rate |
||||
a |
Capacity upto 3KW |
0.00% |
-2.05% |
7.00% |
||||
b |
Capacity above 3KW (Having Home Loan with us ) |
Applicable card rate for Fresh Home loans |
||||||
c |
Capacity above 3KW (Not having Home Loan with us ) |
1.00% over and above applicable card rate for Fresh Home loans |
||||||
Home Loan
Vehicle Loan
Personal Loan
Sme Loan
MCLR Linked Rate
Repo Linked Rate
