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Request for Proposal (RFP) For Empanelment of Human Resource Recruitment Consultant(s) for Facilitating Engagement of Specialist/Domain Experts at Junior, Middle and Senior Management Positions on Contractual Basis (E-tendering) UCO Bank invites application for Engagement of Concurrent Auditors for 2023-24. Please visit ucobank.com- >Tenders/Notices- Notices for details Open Tender for Purchase of 90 MT of 95 GSM security paper with "CTS-India" watermark Notice Inviting application for the post of Manager Risk Management on Regular Basis Notice inviting application for Specialist Officers on Contractual Basis. Notification for Expression of Interest for Engagement of Concurrent Auditors (CA FIRM) Notification for Engagement of Retired Officers/Executives of our Bank for Concurrent Audit of S/M/L branches out of the list enclosed (Annexure - I) for the Audit period 01.10.2023 to 30.09.2024 Taxpayers paying ADVANCE TAX payment through NEFT/RTGS/Over the Bank Counter(OTC) mode are required to generate Mandate/Challan form using E-pay tax facility on e-Filing portal of the Income-tax Department Appointment of Financial literacy counsellors on contract basis for Birbhum District, West Bengal under Siliguri Zone Advertisement for recruitment of Financial Literacy Counselor on contractual basis at LDM Office, Banka under Bhagalpur Zone Release of waitlist candidates selected for the post of Security Officer in UCO Bank on the basis of interview held on 09.01.2023 & 10.01.2023 are as under. NOTICE INVITING APPLICATION FOR THE POST OF CHIEF RISK OFFICER
Detailed Advertisement
Application Form Recruitment Project-2023 for the post of Consultant on Information Technology.
Detailed Advertisement
Application Form Corrigendum: Recruitment Project -2023 for the post of Consultant on Information Technology.

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Repo Linked Rate

Repo Linked Rate

            Annexure  
Interest Rate structure applicable to different products / categories of Loans and Advances  Linked to UCO Float :
    w.e.f: 15.03.2023    
       
UCO Float (6.50+2.80)% 9.30%    
               
Particulars    
Effective rate mentioned in this circular with reference to UCO Float prevailing on the date of circular. 
1 Advances to Micro & Small Enterprises (MSE) Spread Effective rate
  a) Total Funded Exposure up to Rs.50,000     0.50% 9.80%
  b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh 1.00% 10.30%
  c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00 Cr  1.50% 10.80%
  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 1.15% 10.45% 1.10% 10.40%  
  UCO 2 1.45% 10.75% 1.40% 10.70%  
  UCO 3 1.50% 10.80% 1.45% 10.75%  
  UCO 4 1.95% 11.25% 1.90% 11.20%  
  UCO 5 2.50% 11.80% 2.40% 11.70%  
  UCO 6 & 7 3.50% 12.80% 3.40% 12.70%  
  Note:          
  (1)   No internal rating is required upto Rs.1.00 crore.
  (2)   CGTMSE may be Covered for loans & advances upto Rs.2.00 crore.
2 Advances to Medium Enterprises Spread Effective rate
  a) Total Funded Exposure up to Rs.50,000                            0.50% 9.80%
  b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh 1.00% 10.30%
  c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00  Cr 1.50% 10.80%
  d) 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 1.15% 10.45% 1.10% 10.40%  
  UCO 2 1.45% 10.75% 1.40% 10.70%  
  UCO 3 1.50% 10.80% 1.45% 10.75%  
  UCO 4 1.95% 11.25% 1.90% 11.20%  
  UCO 5 2.50% 11.80% 2.40% 11.70%  
  UCO 6 & 7 3.50% 12.80% 3.40% 12.70%  
               
3 Advances to Commercial Real Estate (CRE) that fall under MSME
  i) Advances to CRE - Residential projects Spread Effective rate
  a) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh 1.00% 10.30%
  b) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00  Cr 1.50% 10.80%
  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 1.15% 10.45% 1.10% 10.40%  
  UCO 2 1.45% 10.75% 1.40% 10.70%  
  UCO 3 1.50% 10.80% 1.45% 10.75%  
  UCO 4 1.95% 11.25% 1.90% 11.20%  
  UCO 5 2.50% 11.80% 2.40% 11.70%  
  UCO 6 & 7 3.50% 12.80% 3.40% 12.70%  
  ii) Advances to CRE - Others Spread Effective rate
  a) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh 1.25% 10.55%
  b) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00  Cr 1.75% 11.05%
  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 1.40% 10.70% 1.35% 10.65%  
  UCO 2 1.70% 11.00% 1.65% 10.95%  
  UCO 3 1.75% 11.05% 1.70% 11.00%  
  UCO 4 2.20% 11.50% 2.15% 11.45%  
  UCO 5 2.75% 12.05% 2.65% 11.95%  
  UCO 6 & 7 3.75% 13.05% 3.65% 12.95%  
4 Advances for Export Credit to MSME linked to UCO Float          
  Pre Shipment Spread Effective rate
  Upto 270 days 0.15% 9.45%
  Beyond 270 days and upto 360 days 0.30% 9.60%
  Against incentive receivable from GOI up to 90 days 0.10% 9.40%
  Post Shipment    
  On Demand Bills for transit period 0.10% 9.40%
  Usance Bills upto notional due date whichever is earlier    
  Upto 180 days 0.10% 9.40%
  More than 180 days to 365 days 0.30% 9.60%
  Against Govt. incentive Receivable from GOI upto 90 days 0.10% 9.40%
  Against undrawn balance upto 90 days 0.10% 9.40%
  Against retention money payable within 01 year for DOS    ( for supplies upto 90 days) 0.15% 9.45%
  Export not otherwise specified (ECNOS)      
  Pre-shipment 5.00% 14.30%
  Post-shipment 5.00% 14.30%
  UCO Vyapar Samridhi
  a) Total Funded Exposure up to Rs.50,000  0.55% 9.85%
  b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh 1.10% 10.40%
  c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00  Cr 1.55% 10.85%
  Mukhya Mantri Swavlamban Yojana    
  a) Total Funded Exposure up to Rs.50,000                            0.55% 9.85%
  b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh 1.10% 10.40%
  b) Above Rs 10 lacs and upto Rs 40 lacs 1.55% 10.85%
  UCO Roop Sangam    
  a) Total Funded Exposure up to Rs.50,000                            0.55% 9.85%
  b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh 1.10% 10.40%
  PMEGP    
  a) Total Funded Exposure up to Rs.50,000                            0.55% 9.85%
  b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh 1.10% 10.40%
  b) Above Rs 10 lacs 0.70% 10.00%
  PMSVANidhi        
  Total Exposure up to Rs 50,000 1.60% 10.90%
  UCO Contractor Scheme          
  (a) Collateral based security   0.50% 9.80%
  (b) Hybrid model of CGTMSE   1.00% 10.30%
  UCO MSME GOLD Loan Scheme          
  (a) Margine offered 25%   -0.30% 9.00%
  (b) Margine Offered 30%   -0.50% 8.80%
               
  UCO BUNKAR RIN YOJANA    
  For Rs 50,000 0.15% 9.45%
  Above Rs 50,000 & upto Rs 5.00 Lakh 1.10% 10.40%
  Prime Minister's Mudra Yojana (PMMY) including Two  wheeler & E - Rickshaw Under MUDRA    
  For Rs 50,000 0.55% 9.85%
  Above Rs 50,000 & upto Rs 10.00 Lakh 1.10% 10.40%
  UCO PM CREDIT SCHEME FOR POWERLOOM WEAVERS UNDER MUDRA(upto 10 Lakh)
  For Rs 50,000 0.55% 9.85%
  Above Rs 50,000 & upto Rs 10.00 Lakh 1.10% 10.40%
  UCO PM CREDIT SCHEME FOR POWERLOOM WEAVERS UNDER STANDUP INDIA
  Above 10 Lakh upto 1 Crore 1.55% 10.85%
2 UCO Estate Purchase loan Scheme
Rate Of Interest applicable to “Advances to Micro and Small Enterprises(MSE) shall be applicable.
3 UCO Udyog bandhu Scheme
Total Funded Exposure:- Credit Risk Premium 0
a) Total Funded Exposure up to Rs.50,000                            0.55% 9.85%
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh 1.10% 10.40%
c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00  Cr 1.55% 10.85%
d) Total Funded Exposure more than 1 cr As per Credit Rating as under:
Internal Credit Rating spread over UCO FLOAT Effective rate
General Women Entrepreneurs
UCO 1 1.30% 10.60% 10.35%
UCO 2 1.55% 10.85% 10.60%
UCO 3 1.55% 10.85% 10.60%
UCO 4 2.05% 11.35% 11.10%
Below UCO 4 2.55% 11.85% 11.60%
* Please note that for women Entrepreneurs the applicable rate of interest is 0.25% less than effective rate of interest applicable to general category
4 UCO Mahila Utthan Scheme Credit Risk Premium 0
For Rs 50,000 0.55% 9.85%
Above Rs 50,000 1.10% 10.40%
5 Retail Trade Advances other than “UCO Trader Scheme”
a) Total Funded Exposure up to Rs.50,000                            0.55% 9.85%
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh 1.10% 10.40%
c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00  Cr 1.55% 10.85%
d) Total Funded Exposure more than 1 cr As per Credit rating as under:
Internal Credit Rating
UCO 1 1.30% 10.60%
UCO 2 1.55% 10.85%
UCO 3 1.55% 10.85%
UCO 4 2.05% 11.35%
Below UCO 4 2.55% 11.85%
Note:
(1) No Credit Rating is required for loans upto to Rs 100 Lacs
(2) Minimum Credit Rating required for allowing such loans above Rs. 100 lacs to Rs 200 lacs would be UCO 4.
6 ARTISAN CREDIT CARD
For Rs 50,000 0.55% 9.85%
Above Rs 50,000 1.10% 10.40%
7 SWAROJGAR CREDIT CARD
For Rs 50,000 0.55% 9.85%
Above Rs 50,000 1.10% 10.40%
8 Advances under UCO General Credit Card Scheme (UGCC) 
For Rs 50,000 0.55% 9.85%
Above Rs 50,000 1.10% 10.40%
9 UCO Commercial Vehicle Finance Scheme 
For Loans - Credit Risk Premium 0
a) Total Funded Exposure up to Rs.50,000                            0.55% 9.85%
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh 1.10% 10.40%
c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00  Cr 1.55% 10.85%
10  UCO Trader Scheme:
a) Total Funded Exposure up to Rs.50,000                            0.55% 9.85%
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh 1.10% 10.40%
c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00  Cr 1.55% 10.85%
d) Total Funded Exposure more than 1 cr As per Credit rating as under:
Internal Credit Rating
UCO 1 1.30% 10.60%
UCO 2 1.55% 10.85%
UCO 3 1.55% 10.85%
UCO 4 2.05% 11.35%
Below UCO 4 2.55% 11.85%
11 UCO Doctor Scheme
a) Total Funded Exposure up to Rs.50,000                            0.55% 9.85%
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh 1.10% 10.40%
c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00  Cr 1.55% 10.85%
d) Total Funded Exposure more than 1 cr As per Credit rating as under:
Internal Credit Rating
UCO 1 1.30% 10.60%
UCO 2 1.55% 10.85%
UCO 3 1.55% 10.85%
UCO 4 2.05% 11.35%
Below UCO 4 2.55% 11.85%
Note: CGTMSE may be Covered for loans upto Rs.2.00 crore.
12 UCO Sanjeevani 1.25% 10.55%
13 UCO Aarogyam 2.50% 11.80%
14 UCO GST MITRA 1.55% 10.85%
15 LUCC(LAGHU UDHYAMI CREDIT CARD) (Upto Rs. 10.00 Lakh) 1.10% 10.40%
16 MSME Property Loan Scheme          
  Consumer CIBIL SCORE        
  CIBIL SCORE (>750) 0.00% 9.30%
  CIBIL SCORE (>700 up to 750) 0.50% 9.80%
  CIBIL SCORE (>675 up to 700) 1.00% 10.30%
  CIBIL SCORE (>650 up to 675) 1.50% 10.80%
  Commercial CIBIL MSME RANK (CMR SCORE Based)          
  CMR-1 0.00% 9.30%
  CMR-2 0.25% 9.55%
  CMR-3 0.50% 9.80%
  CMR-4 0.75% 10.05%
  CMR-5 1.00% 10.30%
  CMR-6 1.25% 10.55%
  CMR-7 1.50% 10.80%
  CMR-8 1.75% 11.05%
17 UCO CA 2.55% 11.85%  
  ROI for Education Loans, UCO Doctor Scheme, Housing Loans and Retail Trade Advances has been given separately.
A Education Loans:
Upto Rs.7.50 lacs 2.40% 11.70%
More than Rs.7.50 lacs 2.80% 12.10%
Vocational Education Loan Scheme 3.05% 12.35%
UCO Skill Loan Scheme 1.90% 11.20%
Students satisfying DRI norms - Any Amount   4.00%
Students satisfying 60% handicapped criteria  - Any Amount   4.00%
UCO premium Education Loan Scheme 1.55% 10.85%
UCO Aspire 0.50% rebate can be allowed to Girl Student and children Of staff. 2.40% 11.70%
CM B.Ed Annapurna Yojana 2.40% 11.70%
UCO Super Premier Education Loan Scheme 0.40% 9.70%
D Retail and other Schemes 
(i) UCO Cash 
a) UCO Cash -for Central/ State Govt employee 3.15% 12.45%
b) UCO Cash - Other than Govt. Employee 3.40% 12.70%
(i) UCO Pensioner 
General Public 3.55% 12.85%
UCO Bank Staff Pensioners 2.55% 11.85%
(iii) UCO Securities 2.60% 11.90%
(iv) UCO 2-Wheeler 
(a)   General Category 4.80% 14.10%
(b)   Full Liquid Collateral 3.80% 13.10%
(c)   50% Liquid Collateral 4.30% 13.60%
  HOME LOAN
(v) For Govt. Employees
CIBIL SCORE LTV Spread Strategic  Discount  
  For Home Loan (Borrowers with Cibil Score or Equivalent ≥800 (Direct)        (LTV< 80%and 80%<LTV ≤90%)   -0.85% 8.45%
  For Home Loan (Borrowers with Cibil Score or Equivalent ≥800 (DSA)            (LTV< 80%and 80%<LTV ≤90%)   -0.75% 8.55%
  For Home Loan (Borrowers with Cibil Score or Equivalent ≥750 and≤ 799     (LTV≤ 80%)   -0.65% 8.65%
   (80%<LTV ≤90%) 0.10% -0.65% 8.75%
  For Home Loan (Borrowers with Cibil Score or Equivalent ≥700 and≤ 749     (LTV≤ 80%) 0.20% -0.65% 8.85%
   (80%<LTV ≤90%) 0.30% -0.65% 8.95%
  For Home Loan (Borrowers with Cibil Score or Equivalent ≥650 and≤ 699     (LTV≤ 80%) 0.55% -0.40% 9.45%
   (80%<LTV ≤90%) 0.65% -0.40% 9.55%
  For Home Loan (Borrowers with Cibil Score or Equivalent ≤ 649  (LTV≤ 80%) 0.90% 0.00% 10.20%
   (80%<LTV ≤90%) 1.00% 0.00% 10.30%
  Individual -Other than Govt. Employees           
  CIBIL SCORE LTV Spread Strategic  Discount  
  For Home Loan (Borrowers with Cibil Score or Equivalent ≥800 (Direct)        (LTV< 80%and 80%<LTV ≤90%)   -0.75% 8.55%
  For Home Loan (Borrowers with Cibil Score or Equivalent  ≥800 (DSA)            (LTV< 80%and 80%<LTV ≤90%)   -0.65% 8.65%
  For Home Loan (Borrowers with Cibil Score or Equivalent ≥750 and≤ 799     (LTV≤ 80%) 0.0% -0.55% 8.75%
   (80%<LTV ≤90%) 0.10% -0.55% 8.85%
  For Home Loan (Borrowers with Cibil Score or Equivalent ≥700 and≤ 749     (LTV≤ 80%) 0.20% -0.55% 8.95%
   (80%<LTV ≤90%) 0.30% -0.55% 9.05%
  For Home Loan (Borrowers with Cibil Score or Equivalent ≥650 and≤ 699     (LTV≤ 80%) 0.55% -0.40% 9.45%
   (80%<LTV ≤90%) 0.65% -0.40% 9.55%
  For Home Loan (Borrowers with Cibil Score or Equivalent ≤ 649  (LTV≤ 80%) 0.90% 0.00% 10.20%
   (80%<LTV ≤90%) 1.00% 0.00% 10.30%
  Overdraft Home Loan
  For Overdraft Home Loan (CIBIL/CRIF score >score 750) 0.50% 9.80%
  For Overdraft Home Loan (CIBIL/CRIF score ≤score 750) 0.60% 9.90%
       
  UCO TOP UP HOME LOAN    
  CIBIL ≥ 750 1.00% 10.30%
  700 ≤ CIBIL ≤ 749 1.20% 10.50%
  650≤CIBIL ≤ 699 1.70% 11.00%
  CIBIL ≤ 649 2.20% 11.50%
               
  UCO CORPORATE HOME LOAN -CORPORATES 2.30% 11.60%
  UCO CORPORATE HOME LOAN-OTHERS 3.30% 12.60%
  UCO Car - CIBIL SCORE(INDIVIDUALS)   Spread St. Disc.  
  Govt Employees with salary Account in our Bank
  CIBIL ≥ 800   -0.60% 8.70%
(vi) 775 ≤ CIBIL ≤799   -0.50% 8.80%
750 ≤ CIBIL ≤774 0.10% -0.50% 8.90%
700 ≤ CIBIL ≤749 0.25% -0.40% 9.15%
650 ≤ CIBIL ≤699 0.75%   10.05%
CIBIL ≤649 1.25%   10.55%
Govt Employees without Salary Account in our Bank
CIBIL ≥ 800   -0.50% 8.80%
775 ≤ CIBIL ≤799   -0.40% 8.90%
750 ≤ CIBIL ≤774 0.10% -0.40% 9.00%
700 ≤ CIBIL ≤749 0.25% -0.30% 9.25%
650 ≤ CIBIL ≤699 0.75%   10.05%
CIBIL ≤649 1.25%   10.55%
Individual -other than Govt. Employess 
CIBIL ≥ 800   -0.40% 8.90%
775 ≤ CIBIL ≤799   -0.30% 9.00%
750 ≤ CIBIL ≤774 0.10% -0.30% 9.10%
700 ≤ CIBIL ≤749 0.25% -0.20% 9.35%
650 ≤ CIBIL ≤699 0.75%   10.05%
CIBIL ≤ 649 1.25%   10.55%
UCO Car - CMR (BUSINESS CONCERN)    
CMR 1 to CMR 2 0.00% 9.30%
CMR 3 to CMR 4 0.25% 9.55%
CMR 5 to CMR 6 0.75% 10.05%
Not Available  1.25% 10.55%
             
For purchase of Pre-used Car -Purchased from Certified Car Dealer 1.90% 11.20%
For purchase of Pre-used Car - all Others 2.40% 11.70%
UCO Car Loan Combo Scheme Combo Car Loans will have 0.25% concession on the applicable rate of interest based on CIBIL Score. However the effective rate of interest cannot go below UCO Float Rate
 
UCO Gold Loan Scheme (Priority Sector & Non Priorty Sector)
Margin Offered Credit Risk Premium Effective Rate( Considering UCO Float)
25% -0.10% 9.20%
(vii) 30% -0.20% 9.10%
40% -0.50% 8.80%
Other Schemes 
(i)    UCO Swabhiman 3.05% 12.35%
(ii)    UCO Rent 
(viii) (a) Owner of our Bank's Branch 1.55% 10.85%
(a) To Owner of our Bank’s Branch Premises or where tenant is PSUs, Reputed Corporates, FI, Insurance Companies and MNCs 1.70% 11.00%
(b) For others - repyamenrt upto 36 Months 2.40% 11.70%
(c) For others - repyamenrt above 36 Months 2.65% 11.95%
(d) Commercial Real Estate 2.90% 12.20%
(iii)   UCO Earnest Money 1.70% 11.00%
(iv)    Commercial Real Estate Separately given below
(v)    UCO Real Estate 6.45% 15.75%
(vi)   UCO Shopper-salary Tie up/ 100% Liquid security  1.55% 10.85%
         UCO Shopper- other cases 2.55% 11.85%
(vii)  UCO Property- CIBIL SCORE    
  ≥ 750 1.70% 11.00%
  700 ≤ CIBIL ≤ 749 2.20% 11.50%
  <700 2.70% 12.00%
CMR Rank-(CMR 1 to CMR 4) 1.70% 11.00%
CMR Rank-(CMR 5 to CMR 6) 2.20% 11.50%
CMR Rank-(CMR 7 and above) 2.70% 12.00%
           
             
Agriculture Schemes effective from 30.03.2022 (Ref Circular CHO/ARBD/37/2021-22 DT 30.03.2022)
E i) Scheme for financing to Rice Shellers
    Spread Effective rate
5 a) Total Funded Exposure up to Rs.50,000     0.50% 9.80%
  b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh 1.00% 10.30%
  c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00 Cr  1.50% 10.80%
  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 1.15% 10.45% 1.10% 10.40%  
  UCO 2 1.45% 10.75% 1.40% 10.70%  
  UCO 3 1.50% 10.80% 1.45% 10.75%  
  UCO 4 1.95% 11.25% 1.90% 11.20%  
  UCO 5 2.50% 11.80% 2.40% 11.70%  
  UCO 6 & 7 3.50% 12.80% 3.40% 12.70%  
  ii) UCO Agro and Food Processing Units
      Spread Effective rate
  a) Total Funded Exposure up to Rs.50,000     0.50% 9.80%
  b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh 1.00% 10.30%
  c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00 Cr  1.50% 10.80%
  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 1.15% 10.45% 1.10% 10.40%  
  UCO 2 1.45% 10.75% 1.40% 10.70%  
  UCO 3 1.50% 10.80% 1.45% 10.75%  
  UCO 4 1.95% 11.25% 1.90% 11.20%  
  UCO 5 2.50% 11.80% 2.40% 11.70%  
  UCO 6 & 7 3.50% 12.80% 3.40% 12.70%  
  iiI) Agriculture Advance for Construction of Post Harvest Infrastructure Storage such as Cold Storage/Warehouse etc.
    Spread Effective rate
  a) Total Funded Exposure up to Rs.50,000     0.50% 9.80%
  b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh 1.00% 10.30%
  c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00 Cr  1.50% 10.80%
  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 1.15% 10.45% 1.10% 10.40%  
  UCO 2 1.45% 10.75% 1.40% 10.70%  
  UCO 3 1.50% 10.80% 1.45% 10.75%  
  UCO 4 1.95% 11.25% 1.90% 11.20%  
  UCO 5 2.50% 11.80% 2.40% 11.70%  
  UCO 6 & 7 3.50% 12.80% 3.40% 12.70%  
       
1)The Loans under Retail, MSME, Specific Agriculture Schemes (Scheme for financing to Rice Shellers, UCO Agro and Food Processing Units and Agriculture Advance for Construction of Post Harvest Infrastructure Storage such as Cold Storage/Warehouse etc.) would only be inked to Repo linked UCO FLOAT Rate.
2) Interest Rate for NBFC and CRE will be guided by UCO FLOAT circular.
             

 

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