Rate of Interest as per BPLR System
	Particulars	Spread over BPLR	Effective Rate
	w.e.f. 01.08.2011	15.00%
A	Interest Rate Structure for Priority Sector (Secured) Advances:
1	DRI Advances		4.00%
2	Agricultural Advances
	a) Total Funded Exposure up to Rs. 50,000	-2.50%	12.50%
	b) Total Funded Exposure more than Rs 50,000 and up to Rs 2 lacs	-2.00%	13.00%
	c) Total Funded Exposure more than Rs 2 lacs and up to Rs 5 lacs	-1.00%	14.00%
	d) Crop loans up to Rs.3 lacs where Govt. subsidy is available. $		8.50%
	$ Interest as stipulated by the Government vide RBI circular RPCD No. PLFS.BC.18/05.04.2010-11 dt. 06.09.2010. After interest subvention of 1.50%, final rate to the borrower - 7% p.a
	e) Total Funded Exposure more than Rs 5 lacs but up to Rs 25 lacs
	Facilities having Maturity of less than 3 years	-0.50%	14.50%
	Facilities having Maturity of 3 years or more	0.00%	15.00%
	f) Total Funded Exposure more than Rs 25 lacs
	Facilities having Maturity of less than 3 years	As per Credit rating
	Facilities having Maturity of 3 years or more
3	Interest Rates for Advances to Micro, Small & Medium Enterprises Sector (Kindly refer Head Office Circular No.CHO/RM/24/2010-11 dt. 10.12.2010) (Please refer Base Rate Table for Interest Rates)
	Particulars	Rate of Interest as per BPLR System
		Spread over BPLR	Effective Rate
		15.00%
	All other Priority Sector Advances
	a) Total Funded Exposure up to Rs. 50,000	-2.50%	12.50%
	b) Total Funded Exposure more than Rs 50,000 and      up to Rs 2 lacs	-2.00%	13.00%
	c) Total Funded Exposure more than Rs 2 lacs and up to Rs 5 lacs	-0.50%	14.50%
	d) Total Funded Exposure more than Rs 5 lacs but upto Rs 25 lacs
	Facilities having Maturity of less than 3 years	-0.50%	14.50%
	Facilities having Maturity of 3 years or more	0.00%	15.00%
	e) Total Funded Exposure more than Rs.5 lac and upto Rs 25 lacs
	Facilities having Maturity of less than 3 years	As per Credit rating
	Facilities having Maturity of 3 years or more	As per Credit rating

 

	Note:
1	Total funded exposure means total of all fund based facilities allowed to a borrower.
2	Where total exposure is above Rs 25 lacs, applicable interest rate should be based on credit rating of the account and interest rate structure as per credit rating schedule would apply except in case of MSE sector where it is above Rs. 1 crore.
3	Maturity period for Cash Credit and working capital demand loan may be taken as one year.
4	The rate of interest mentioned above would be applicable for all priority sector accounts. Rates advised in different schemes circulated earlier would stand superceded with immediate effect.
5	The above rates should be applied with monthly rest excepting in case of DRI and agriculture advances where the above rates may be applied with half yearly rest. Crop loans, unless overdue / restructured, will carry simple rate of interest. The interest rates would be applied with annual rests in case of following agricultural advances:
	Cultivation of Sugarcane, Banana and Papaya
	Development of Horticulture & Plantations Crops
	Tank Fishery (Raring)
6	Credit rating of all accounts, under the category of MSE, with aggregate FB & NFB exposure of Rs. 25 lacs and above shall be carried out as per present practice. However, rate of interest shall be applicable as per the above interest rate structure.
7	MSE sector includes – i) Laghu Udyami Credit Card, ii) Artisan Credit Card, iii) Prime Minister Employment Generation Programme (PMEGP), iv) Collateral free loans under Credit Guarantee Trust Fund for Micro and Small Enterprises (CGTMSE), v) Loans under Technology Upgradation Fund Scheme for Textile Units (TUFS), vi) Swarozgar Credit Card Scheme, vii) UCO Shilpa Udyog, viii) UCO Vishwakarma Yojna, ix) UCO Mahila Shilpa Udyog Scheme, x) Composite Loan Scheme to MSE Units, xi) Scheme for financing Handloom Weavers Group (HWGs), xii) Loans under credit linked capital subsidy scheme for technology upgradation, xiii) UCO Channel Scheme, xiv) Scheme for fod processing industry.

 

		Rate of Interest as per BPLR System
	Particulars	Spread over BPLR	Effective Rate
		15.00%
B	Educational Loans
	Upto Rs 4 lacs	-1.00%	14.00%
	More than Rs.4 lacs	-0.50%	14.50%
	Students satisfying DRI norms - Any Amount		4.00%
	Students satisfying 60% handicap criteria - Any Amount		4.00%
C	Interest Rate Structure for Special Category (Secured) Advances:
	a)  Non Priority Sector Personal Loans
	Facilities having Maturity of less than 3 years	3.00%	18.00%
	Facilities having Maturity of 3 years or more	3.00%	18.00%
	b)  Loans to individuals against Shares
	Facilities having Maturity of less than 3 years	0.00%	15.00%
	Facilities having Maturity of 3 years or more	0.00%	15.00%
	c)  Margin Trading Finance
	Facilities having Maturity of less than 3 years	3.00%	18.00%
	Facilities having Maturity of 3 years or more	3.00%	18.00%
	d)  Film Finance
	Facilities having Maturity of less than 3 years	4.00%	19.00%
	Facilities having Maturity of 3 years or more	4.00%	19.00%
	e)  Film Finance – With 75% or more Liquid Securities
	Facilities having Maturity of less than 3 years	2.50%	17.50%
	Facilities having Maturity of 3 years or more	2.50%	17.50%
	Loans to Landlords of Bank Premises
	Upto Rs.2 lac	1.00%	16.00%
	Above Rs.2 lac upto and inclusive of Rs.5 lac	1.50%	16.50%
	Above Rs.5 lac upto and inclusive of Rs.10 lac	2.00%	17.00%
	Above Rs.10 lac	2.50%	17.50%
	Finance granted to intermediary agencies (*)
	For on-lending to ultimate beneficiaries and agencies (as indicated below excluding those of housing) providing input support.	0.00%	15.00%
	Finance granted to housing finance intermediary agencies for on- lending to ultimate beneficiaries.	0.00%	15.00%

 

	Loans under refinance schemes of term lending institutions	Interest to be charged as per stipulations of the Refinancing Agencies
	Note:
	Interest rate on refinance for "Self- Help Groups" may be fixed on the basis of per capita size of the loan. They will not receive any additional interest rate reduction.
	(*) List of Intermediary Agencies
1	State sponsored organizations for on-lending to weaker Sections. Weaker sections include:
	i)   Small & marginal farmers with landholdings of 5 acres or less, landless labourers, tenant farmers and share croppers.
	ii)   Artisans, village and cottage industries where individual credit requirements do not exceed Rs 25,000.
	iii)   Small and marginal farmers, sharecroppers, agriculture and non-agriculture labourers, rural artisans and families living below the poverty lines are the beneficiaries. The family income should not exceed Rs 11,000 per annum.
	iv)   Scheduled castes and scheduled tribes.
	v)   Beneficiaries are persons whose family income from all sources does not exceed Rs 7,200 per annum in urban or semi-urban areas or Rs 6,400 per annum in rural areas. They should not own any land or the size of their holdings does not exceed one
	vi)   Beneficiaries under scheme of liberation and rehabilitation of scavengers (SLRs).
	vii)   Advances granted to Self- Help Groups (SHGs) for reaching the rural poor.
2	Distribution of agricultural inputs/implements.
3	State Financial Corporations (SFCs) / State Industrial Development Corporations (SIDCs) to the extent they provide credit to weaker sections.
4	National Small Industries Corporations (NSIC).
5	Khadi and Village Industries Commission (KVIC).
6	Agencies involved in assisting the decentralized sector.
7	State sponsored organizations for on-lending to weaker sections.
8	Housing and Urban Development Corporation Ltd (HUDCO).
9	Housing Finance Companies approved by National Housing Bank (NHB) for refinance.
10	State sponsored organizations for SCs / STs (for purchase and supply of inputs to and / or marketing output of the beneficiaries of these organizations).
11	Micro-Finance Institutions, Non-Government Organizations (NGOs) on-lending to SHGs.

 

		Rate of Interest as per BPLR System
	Particulars	Spread over BPLR	Effective Rate
		15.00%
D	Interest Rate Structure for General (Secured) Advances:
i)	Total Funded Exposure upto Rs. 2 lacs
	Facilities having maturity of less than 3 years	0.00%	15.00%
	Facility having Maturity of 3 years or more	0.50%	15.50%
ii)	Total Funded Exposure more than 2 lacs to Rs. 25 lacs
	Other than NBFCs
	Total Funded Exposure -
	Facilities having Maturity of less than 3 years	1.50%	16.50%
	Facilities having Maturity of 3 years or more	2.00%	17.00%
	NBFCs
	Facilities having Maturity of less than 3 years	2.00%	17.00%
	Facilities having Maturity of 3 years or more	2.50%	17.50%
iii)	Total Funded Exposure more than Rs 25 lacs
	Facilities having Maturity of less than 3 years	As per Rating and Tenor
	Facilities having Maturity of 3 years or more	As per Rating and Tenor
	CREDIT RATING
	A++	0.00%	15.00%
	A+	0.50%	15.50%
	A	1.50%	16.50%
	B+	2.00%	17.00%
	B	3.00%	18.00%
	B-	3.25%	18.25%
	C	3.50%	18.50%

 

	Total Funded Exposure more than Rs 25 lacs (Facilities having maturity of 3 years or more)
	CREDIT RATING
	A++	0.50%	15.50%
	A+	1.00%	16.00%
	A	2.00%	17.00%
	B+	2.50%	17.50%
	B	3.50%	18.50%
	B-	3.75%	18.75%
	C	4.00%	19.00%
	Note:
	In respect of accounts with total funded exposure of Rs 25 lacs and above Interest Rate is to be based on credit rating assessed in terms of Bank’s extant directives.
	Rate of Interest on Working Capital Demand Loan (WCDL) will be the same as that of the respective Cash Credit rate.

 

		Rate of Interest as per BPLR System
	Particulars	Spread over BPLR	Effective Rate
		15.00%
E	Mid Market and other Schemes
1	UCO Shopper  / Shopper Tie up	1.00%	16.00%
2	UCO Car
	a)  New Car - General Category	11.50%(fixed)
	b)  Used Car - General Category	12.00%(fixed)
	c)  New Car - Full collateral / Salary Tie up / Doctor / Medical Practioner	11.00%(fixed)
	d)  Used Car - Full collateral / Salary Tie up / Doctor / Medical Practioner	11.50%(fixed)
3	UCO Cash	1.00%	16.00%
	UCO Cash - Women	0.00%	15.00%
4	UCO Mortgage	2.00%	17.00%
5	UCO Pensioner	0.00%	15.00%
6	UCO Rent	1.00%	16.00%
7	UCO Trader	-0.50%	14.50%
8	UCO Securities	-1.00%	14.00%
9	UCO Doctor
	a)  General Category	-0.75%	14.25%
	b)  100% or more collateral	-1.25%	13.75%
		Rate of Interest as per BPLR System
	Particulars	Spread over BPLR	Effective Rate
		15.00%
10	UCO 2-Wheeler
	a)  General Category		12.25%(fixed)
	b)  Full Liquid Collateral		11.25%(fixed)
	c)  50% Liquid Collateral		11.75%(fixed)
11	UCO Swabhiman	-1.75%	13.25%
12	UCO Earnest Money	-3.25%	11.75%
13	Commercial Real Estate	1.00%	16.00%
14	UCO Real Estate	0.00%	15.00%
15	Commercial Vehicle Finance Scheme	New Scheme and Rate of Interest as per Base Rate structure
	Upto Rs.5 lacs
	Above Rs.5 lacs and upto Rs.25 lacs
	Scheme for financing marble and other stone processing units in the state of Rajasthan
F	Interest Rate Structure:  For HOME LOAN (earlier UCO Shelter)
1)	Floating rate loans
	a)  Floating rate loans (upto & inclusive of Rs.20 lacs)
	Upto & inclusive of 5 years
	Margin 25% or more	-3.75%	11.25%
	Margin less than 25%	-3.25%	11.75%
	Above 5 years but upto 10 years
	Margin 25% or more	-3.50%	11.50%
	Margin less than 25%	-3.00%	12.00%
	Above 10 years but upto 15 years
	Margin 25% or more	-3.25%	11.75%
	Margin less than 25%	-2.75%	12.25%
	Above 15 years but upto 20 years
	Margin 25% or more	-3.25%	11.75%
	Margin less than 25%	-2.75%	12.25%
	Above 20 years but upto 25 years
	Margin 25% or more	-2.50%	12.50%
	Margin less than 25%	-2.25%	12.75%
	b)  Floating rate loans (Above Rs.20 lacs but upto & inclusive of Rs.30 lacs)
	Upto & inclusive of 5 years
	Margin 25% or more	-3.50%	11.50%
	Margin less than 25%	-3.00%	12.00%
	Above 5 years but upto 10 years
	Margin 25% or more	-3.25%	11.75%
	Margin less than 25%	-2.75%	12.25%
	Above 10 years but upto 15 years
	Margin 25% or more	-3.00%	12.00%
	Margin less than 25%	-2.50%	12.50%
	Above 15 years but upto 20 years
	Margin 25% or more	-2.75%	12.25%
	Margin less than 25%	-2.25%	12.75%
	Above 20 years but upto 25 years
	Margin 25% or more	-2.50%	12.50%
	Margin less than 25%	-2.00%	13.00%
	c)  Floating rate loans (Above Rs.30 lacs but upto & inclusive of Rs.50 lacs)
	Upto & inclusive of 5 years
	Margin 25% or more	-3.00%	12.00%
	Margin less than 25%	-2.50%	12.50%
	Above 5 years but upto 10 years
	Margin 25% or more	-2.75%	12.25%
	Margin less than 25%	-2.25%	12.75%
	Above 10 years but upto 15 years
	Margin 25% or more	-2.50%	12.50%
	Margin less than 25%	-2.00%	13.00%
	Above 15 years but upto 20 years
	Margin 25% or more	-2.25%	12.75%
	Margin less than 25%	-1.75%	13.25%
	Above 20 years but upto 25 years
	Margin 25% or more	-2.25%	12.75%
	Margin less than 25%	-1.75%	13.25%
	d)  Floating rate loans (Above Rs.50 lacs)
	Upto & inclusive of 5 years
	Margin 25% or more	-2.75%	12.25%
	Margin less than 25%	-2.25%	12.75%
	Above 5 years but upto 10 years
	Margin 25% or more	-2.50%	12.50%
	Margin less than 25%	-2.00%	13.00%
	Above 10 years but upto 15 years
	Margin 25% or more	-2.25%	12.75%
	Margin less than 25%	-1.75%	13.25%
	Above 15 years but upto 20 years
	Margin 25% or more	-2.25%	12.75%
	Margin less than 25%	-1.75%	13.25%
	Above 20 years but upto 25 years
	Margin 25% or more	-2.25%	12.75%
	Margin less than 25%	-1.50%	13.50%
F	Interest Rate Structure:  For HOME LOAN (earlier UCO Shelter) (Fixed Rate)
		Rate of Interest as per BPLR System
	Particulars	Spread over BPLR	Effective Rate
		15.00%
2)	Fixed rate loans
	a)  Fixed rate loans (upto & inclusive of Rs.20 lacs)
	Upto & inclusive of 5 years
	Margin 25% or more	-2.00%	13.00%
	Margin less than 25%	-1.75%	13.25%
	Above 5 years but upto 10 years
	Margin 25% or more	-1.75%	13.25%
	Margin less than 25%	-1.50%	13.50%
	Above 10 years but upto 15 years
	Margin 25% or more	-1.50%	13.50%
	Margin less than 25%	-1.25%	13.75%
	Above 15 years but upto 20 years
	Margin 25% or more	-1.50%	13.50%
	Margin less than 25%	-1.25%	13.75%
	Above 20 years but upto 25 years
	Margin 25% or more	-1.00%	14.00%
	Margin less than 25%	-0.75%	14.25%
	b)  Fixed rate loans (Above Rs.20 lacs but upto & inclusive of Rs.30 lacs)
	Upto & inclusive of 5 years
	Margin 25% or more	-1.75%	13.25%
	Margin less than 25%	-1.50%	13.50%
	Above 5 years but upto 10 years
	Margin 25% or more	-1.50%	13.50%
	Margin less than 25%	-1.25%	13.75%
	Above 10 years but upto 15 years
	Margin 25% or more	-1.25%	13.75%
	Margin less than 25%	-1.00%	14.00%
	Above 15 years but upto 20 years
	Margin 25% or more	-1.00%	14.00%
	Margin less than 25%	-0.75%	14.25%
	Above 20 years but upto 25 years
	Margin 25% or more	-0.75%	14.25%
	Margin less than 25%	-0.50%	14.50%
	c)  Fixed rate loans (Above Rs.30 lacs but upto & inclusive of Rs.50 lacs)
	Upto & inclusive of 5 years
	Margin 25% or more	-1.00%	14.00%
	Margin less than 25%	-0.75%	14.25%
	Above 5 years but upto 10 years
	Margin 25% or more	-1.00%	14.00%
	Margin less than 25%	-0.75%	14.25%
	Above 10 years but upto 15 years
	Margin 25% or more	-0.50%	14.50%
	Margin less than 25%	-0.25%	14.75%
	Above 15 years but upto 20 years
	Margin 25% or more	-0.25%	14.75%
	Margin less than 25%	0.00%	15.00%
	Above 20 years but upto 25 years
	Margin 25% or more	-0.25%	14.75%
	Margin less than 25%	0.00%	15.00%
	d)  Fixed rate loans (Above Rs.50 lacs)
	Upto & inclusive of 5 years
	Margin 25% or more	-1.00%	14.00%
	Margin less than 25%	-0.75%	14.25%
	Above 5 years but upto 10 years
	Margin 25% or more	-1.00%	14.00%
	Margin less than 25%	-0.75%	14.25%
	Above 10 years but upto 15 years
	Margin 25% or more	-0.50%	14.50%
	Margin less than 25%	-0.25%	14.75%
	Above 15 years but upto 20 years
	Margin 25% or more	-0.25%	14.75%
	Margin less than 25%	0.00%	15.00%
	Above 20 years but upto 25 years
	Margin 25% or more	0.00%	15.00%
	Margin less than 25%	0.25%	15.25%

 

	NOTE :
	1.  There will be No Fixed Rate HOME LOANS (earlierUCO Shelter) under Base Rate Regime
	2. Existing HOME LOANS (earlier UCO Shelter) fixed rate loans would be reset every 3 years at the rate prevailing on the date of reset.
G	Loan against Bank’s Own Term Deposits
	Loans against own  Term Deposits	2% above deposit ROI
	Loans against Third Party FDRs upto  and inclusive of Rs.2 lac	2% above deposit ROI
	Loans against Third Party FDRs above Rs.2 lacs	BPLR-1.00% or 2.50% above deposit ROI whichever is higher
		Rate of Interest as per BPLR System
	Particulars	Spread over BPLR	Effective Rate
		15.00%
H	Discounting of Bills under Letters of Credit
	LC Bills Discounting Rate (*)with usance period of
	Up to 3 months	-1.50%	13.50%
	Beyond 3 months & up to 6 months	-1.00%	14.00%
	Unsecured Loans and Advances and any Other Loans and Advances not specified above
	Unsecured Loans and Advances
	Facilities having Maturity of less than 3 years	4.00%	19.00%
	Facilities having Maturity of 3 years or more	4.50%	19.50%
I	Any Other Loans and Advances not Specified above
	Facilities having Maturity of less than 3 years	4.00%	19.00%
	Facilities having Maturity of 3 years or more	4.50%	19.50%