UCO Bank- Interest Rate Structure for Loans linked To MCLR

MCLR Linked Rate

Interest Rate structure applicable to different products / categories of Loans and Advances Linked to MCLR as on 10-12-2023 :

				Annexure-I
Interest Rate structure applicable to different products / categories of Loans and Advances Linked to MCLR :

Over Night	8.10%	w.e.f. 10-03-2024
One Month	8.30%
Three Month	8.45%
Six Months	8.70%
One Year	8.85%

Particulars		Spread	Effective Rate( Considering 1 Year MCLR)

A. Interest Rate Structure for Priority Sector (Secured) Advances :

A	Interest Rate Structure for Priority Sector (Secured) Advances:

1	DRI Advances			4.00%

2	Agricultural Advances (other than Tea Advances)
	Agricultural Advances
	(a) Total Funded Exposure up to Rs.25 lacs		1.00%	9.85%
	(b) Total Funded Exposure more than to Rs.25 lacs and up to Rs.1.00 crore		2.00%	10.85%
	Finance to Rice sellers Total Funded exposure more than Rs 25 lacs and upto Rs 1.00 cr		1.90%	10.75%
	(c) Crop loans up to Rs.3 lacs where interest subvention is available			7.00%
	Where Govt. Interest Subvention is not available, normal rate of interest for Agricultural Advances as above shall be applicable.
	(d) Total Funded Exposure more than Rs.1.00 cr to Rs. 10.00 cr		As per Credit rating as under:
	Internal Credit Rating		Spread	Effective Rate( Considering 1 Year MCLR)
	UCO 1		1.40%	10.25%
	UCO 2 & UCO 3		1.80%	10.65%
	UCO 4 & UCO 5		2.05%	10.90%
	UCO 6		2.70%	11.55%
	UCO 7		3.40%	12.25%
	UCO 8 and UCO 9		5.60%	14.45%
	(e) Total Funded Exposure more than Rs.10.00 cr		As per Credit rating as under:
	Internal Credit Rating		Spread	Effective Rate( Considering 1 Year MCLR)
	UCO 1		1.30%	10.15%
	UCO 2 & UCO 3		1.70%	10.55%
	UCO 4 & UCO 5		1.95%	10.80%
	UCO 6		2.60%	11.45%
	UCO 7		3.30%	12.15%
	UCO 8 and UCO 9		5.50%	14.35%
	Advances under UCO KISAN TATKAL Scheme (without interest subvention)		0.40%	9.25%
	Advances under UCO KISAN BHOOMI VRIDHI (Simple rate at half yearly rest)		0.40%	9.25%
	Advances under Padhan Mantri Mudra Yojana(PMMY)		0.40%	9.25%
	Financing Cold Storage /Warehouses : (As per Revised Interest Rate Structure vide Policy on Warehouse Receipt Financing dated 06.05.2019
	(1) Loans upto Rs.3.00 lacs to Farmers against Cold Storage / Warehouse receipts (half yearly interest), where interest subvention is available		0.00%	7.00%
	(2) Loan upto Rs.3.00 Lacs to SF / MF		0.00%	MCLR as per tenor.
	(3) Loan upto Rs. 3.00 Lacs other than SF/MF		0.00%	MCLR as per tenor.
	(4) Rate of Interest for loan to farmers above Rs.3.00 Lacs and up to Rs. 50.00 Lacs		0.25%	MCLR (as per tenor)+0.25%
	(5) Collateral Management Service Charges		0.85% (NCMSL) & 1% (CGRCML) Service charges to be born by the borrower.
	(6) Rate of Interest for loan upto Rs. 50 Lacs under MSME		0.25%	MCLR (as per tenor)+0.25% (irrespective of Rating)
	(7) Rate of Interest for loan above Rs. 50 Lacs and up to Rs. 1 Crore under MSME		0.25%	MCLR (as per tenor)+0.25% (irrespective of Rating)
	(8) Loan above Rs 1.00 crore under MSME/ Ancillary activities under agriculture Sector.		0.25%	MCLR (as per tenor)+0.25% (irrespective of Rating)
	(9a)WHR Financing under Non-Priority Sector-upto Rs 1 cr		1.40%	Spread+MCLR as per tenor.
	(9b)WHR Financing under Non-Priority Sector-above Rs 1 cr		As per Rating	Spread+MCLR as per tenor.
	Note: If corresponding MCLR Tenor is not available, then the next available MCLR tenor will be applicable
3	Tea Advances
	Total Funded Exposure -		Spread	Effective Rate( Considering 1 Year MCLR)
	(a) Upto Rs.25 lac		1.00%	9.85%
	(b) Above Rs.25 lac and upto Rs.1.00 Cr.		2.00%	10.85%
	(c) Total Funded Exposure more than Rs.1.00 cr to Rs. 10.00 cr		As per Credit rating as under:
	Internal Credit Rating
	UCO 1		1.40%	10.25%
	UCO 2 & UCO 3		1.80%	10.65%
	UCO 4 & UCO 5		2.05%	10.90%
	UCO 6		2.70%	11.55%
	UCO 7		3.40%	12.25%
	UCO 8 and UCO 9		5.60%	14.45%
	d) Total Funded Exposure more than Rs.10.00 cr
	UCO 1		1.30%	10.15%
	UCO 2 & UCO 3		1.70%	10.55%
	UCO 4 & UCO 5		1.95%	10.80%
	UCO 6		2.60%	11.45%
	UCO 7		3.30%	12.15%
	UCO 8 and UCO 9		5.50%	14.35%
4	Advances to Micro & Small Enterprises (MSE)
	a) Total Funded Exposure up to Rs.25 lacs		1.15%	10.00%
	b) Total Funded Exposure more than to Rs.25 lacs and up to Rs.1.00 crore		2.15%	11.00%
	c) Total Funded Exposure more than Rs.1.00 crore		As per Credit rating as under:
	Internal Credit Rating
	UCO 1		1.90%	10.75%
	UCO 2 & UCO 3		2.15%	11.00%
	UCO 4 & UCO 5		2.15%	11.00%
	UCO 6		2.65%	11.50%
	Below UCO 6		3.15%	12.00%
	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.

	(4) Above interest rates are not applicable for Loans to Retail Trade Sector / Loan under UCO Trader Scheme.
5	UCO Estate Purchase loan Scheme
	Rate Of Interest applicable to “Advances to Micro and Small Enterprises(MSE) shall be applicable.
6	UCO Udyog Bandhu Scheme
	Total Funded Exposure:-		Spread	Effective Rate( Considering 1 Year MCLR)
	(a) Upto Rs 10.00 Lac		0.15%	9.00%
	(b) Above Rs 10.00 Lac and upto Rs 1.00 Crore		1.15%	10.00%
	(c) Above Rs 1.00 Crore		As per Credit Rating as under:
	Internal Credit Rating	Spread over One year MCLR	Effective rate
			General		Women Entrepreneurs
	UCO 1	1.90%	10.75%		10.50%
	UCO 2 to UCO 5	2.15%	11.00%		10.75%
	UCO 6	2.65%	11.50%		11.25%
	Below UCO 6	3.15%	12.00%		11.75%

7	UCO Mahila Utthan Scheme		Spread	Effective Rate( Considering 1 Year MCLR)
	Cash credit Facility		0.15%	9.00%
8	Retail Trade Advances other than “UCO Trader Scheme”
	(a) Upto Rs 25 lac		1.15%	10.00%
	(b) Above Rs 25 lacs upto Rs 2 Crore		2.15%	11.00%
	(c) Above Rs 2 Crore		As per credit rating as under:
	i. UCO 1		2.40%	11.25%
	ii. UCO 2/UCO 3/UCO 4/UCO 5		2.65%	11.50%
	iii. UCO 6		3.15%	12.00%
	iv. Below UCO 6		3.65%	12.50%
	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.
9	Advances to Micro-Finance Institutions (MFIs)
	Internal Rating		Spread	Effective Rate( Considering 1 Year MCLR)
	UCO 1 / UCO 2 / UCO 3		2.15%	11.00%
	UCO 4 & below		3.15%	12.00%
10	Advances under UCO General Credit Card Scheme (UGCC)		0.15%	9.00%
11	UCO Commercial Vehicle Finance Scheme
	For Loans -		Spread	Effective Rate( Considering 1 Year MCLR)
	(a) Upto Rs.25 lacs		1.15%	10.00%
	(b) Above Rs.25 lacs and up to Rs.1.00 cr		2.15%	11.00%
12	ROI for Education Loans, UCO Doctor Scheme, Housing Loans and Retail Trade Advances has been given separately. Presently these loans are linked with UCO Float Rate.
13	All other Priority Sector Advances
			Spread	Effective Rate( Considering 1 Year MCLR)
	a) Total Funded Exposure up to Rs. 50,000/-		1.90%	10.75%
	b) Total Funded Exposure more than Rs.50,000/- & up to Rs.2 lacs		2.40%	11.25%
	c) Total Funded Exposure more than Rs 2 lacs & up to Rs 5 lacs		3.95%	12.80%
	d) Total Funded Exposure more than Rs.5 lacs & upto Rs.25 lacs		4.15%	13.00%
	e) Total Funded Exposure more than Rs.25 lac		As per Credit rating for General Advances

B. Education Loans :

B	Education Loans:
	Upto Rs.7.50 lacs	2.25%	11.10%
	More than Rs.7.50 lacs	2.65%	11.50%
	Vocational Education Loan Scheme	2.90%	11.75%
	Students satisfying DRI norms - Any Amount		4.05%
	Students satisfying 60% handicapped criteria - Any Amount		4.05%
	UCO premium Education Loan Scheme	1.40%	10.25%
	UCO Super Premier Education Loan Scheme	0.25%	9.10%

C. UCO Trader Scheme :

C	UCO Trader Scheme:
	ROI to Loans and Advances under UCO Trader Scheme
	Total Funded Exposure -
	(a) Upto Rs.1.00 Crore	1.15%	10.00%
	(b) Above Rs.1.00 Crore upto rs 5 Crore	As per Credit rating as under:
	Internal Credit Rating
	UCO 1	2.15%	11.00%
	UCO 2/ UCO 3 / UCO 4 / UCO 5	2.40%	11.25%
	UCO 6	2.65%	11.50%
	Below UCO 6	2.95%	11.80%

D. Advances to Medium Enterprises :

D	Advances to Medium Enterprises
	a) Total Funded Exposure up to Rs.1.00 crore	2.15%	11.00%
	b) Total Funded Exposure more than Rs.1.00 crore	As per Credit rating as under:
	Internal Credit Rating
	UCO 1	1.90%	10.75%
	UCO 2 & UCO 3	2.15%	11.00%
	UCO 4 & UCO 5	2.15%	11.00%
	UCO 6	2.65%	11.50%
	Below UCO 6	3.15%	12.00%
	Note: No internal rating is required upto Rs.1.00 crore.

E. UCO Doctor Scheme :

E	UCO Doctor Scheme
	For Loans -
	(a) Upto Rs.25 lacs	1.15%	10.00%
	(b) Above Rs.25 lacs and up to Rs.1.00 cr	2.15%	11.00%
	(c) Above Rs.1.00 crore	As per Credit rating as under:
	Internal Credit Rating
	UCO 1	1.90%	10.75%
	UCO 2 / UCO 3	2.15%	11.00%
	UCO 4 / UCO 5	2.15%	11.00%
	UCO 6	2.65%	11.50%
	Below UCO 6	3.15%	12.00%
	Note: CGTMSE may be Covered for loans upto Rs.2.00 crore.

F. Interest Rate Structure for Special Category (Secured) Advances :

F	Interest Rate Structure for Special Category (Secured) Advances
	Facilities having maturity period upto 1 year
	a) Non Priority Sector Personal Loans	7.90%	16.75%
	b) Loans to individuals against Shares	4.90%	13.75%
	c) Margin Trading Finance	7.90%	16.75%
	d) Loans to Landlords of Bank Premises
	Upto Rs.2 lac	5.90%	14.75%
	Above Rs.2 lac upto and inclusive of Rs.5 lac	6.30%	15.15%
	Above Rs.5 lac upto and inclusive of Rs.10 lac	6.80%	15.65%
	Above Rs.10 lac	7.20%	16.05%
	g) Finance granted to intermediary agencies (*)
	For on-lending to ultimate beneficiaries and agencies (as indicated below excluding those of housing) providing input support.	4.90%	13.75%
	Finance granted to housing finance intermediary agencies for on- lending to ultimate beneficiaries.	4.90%	13.75%
	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.
	Facility having maturity period above 1 year upto 7 year
	a) Non Priority Sector Personal Loans	8.10%	16.95%
	b) Loans to individuals against Shares	5.10%	13.95%
	c) Margin Trading Finance	8.10%	16.95%
	d) Loans to Landlords of Bank Premises
	Upto Rs.2 lac	6.10%	14.95%
	Above Rs.2 lac upto and inclusive of Rs.5 lac	6.50%	15.35%
	Above Rs.5 lac upto and inclusive of Rs.10 lac	7.00%	15.85%
	Above Rs.10 lac	7.40%	16.25%
	g) Finance granted to intermediary agencies (*)
	For on-lending to ultimate beneficiaries and agencies (as indicated below excluding those of housing) providing input support.	5.10%	13.95%
	Finance granted to housing finance intermediary agencies for on- lending to ultimate beneficiaries.	5.10%	13.95%
	Loans under refinance schemes of term lending institutions	Interest to be charged as per stipulations of the Refinancing Agencies
	Facilities having maturity period above 7 year
	a) Non Priority Sector Personal Loans	8.40%	17.25%
	b) Loans to individuals against Shares	5.40%	14.25%
	c) Margin Trading Finance	8.40%	17.25%
	d) Loans to Landlords of Bank Premises
	Upto Rs.2 lac	6.40%	15.25%
	Above Rs.2 lac upto and inclusive of Rs.5 lac	6.80%	15.65%
	Above Rs.5 lac upto and inclusive of Rs.10 lac	7.30%	16.15%
	Above Rs.10 lac	7.70%	16.55%
	g) Finance granted to intermediary agencies (*)
	For on-lending to ultimate beneficiaries and agencies (as indicated below excluding those of housing) providing input support.	5.40%	14.25%
	Finance granted to housing finance intermediary agencies for on- lending to ultimate beneficiaries.	5.40%	14.25%
	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:
	a) a) Small & marginal farmers with landholdings of 5 acres or less, landless labourers, tenant farmers and share croppers.
	b) Artisans, village and cottage industries where individual credit requirements do not exceed Rs 50,000/-.
	c) Beneficiaries of Swarnjayanti Gram Swarozgar Yojana (SGSY);
	d) Scheduled castes and scheduled tribes.
	e) Beneficiaries of Differential Rate of Interest (DRI) scheme;
	f) Beneficiaries under Swarna Jayanti Shahari Rozgar Yojana (SJSRY);
	g) Beneficiaries under scheme of liberation and rehabilitation of scavengers (SLRs).
	h) Advances to Self-Help Groups (SHGs);
	i) Loans to distressed poor to repay their debt to informal sector, against appropriate collateral or group security;
	(2) Distributors 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) Non-Government Organizations (NGOs) on-lending to SHGs.

G. Interest Rate Structure for General (Secured) Advances :

G	Interest Rate Structure for General (Secured) Advances
	Facilities having maturity period upto 1 year
	(i) Total Funded Exposure upto Rs. 2 lacs	4.90%	13.75%

	( ii) Total Funded Exposure more than 2 lacs to Rs. 25 lacs	6.40%	15.25%

	(iii) Total Funded Exposure more than Rs 25 lacs and upto 1 crs	As per Credit rating as under:
	Internal Credit Rating
	UCO1	2.00%	10.85%
	UCO2 / UCO 3	2.40%	11.25%
	UCO 4 / UCO 5	2.65%	11.50%
	UCO 6	3.50%	12.35%
	UCO 7	4.30%	13.15%
	Below UCO 7	5.50%	14.35%
	(iv) Total Funded Exposure more than Rs 1.00 cr to upto 10 crs
	UCO1	1.90%	10.75%
	UCO2 / UCO 3	2.30%	11.15%
	UCO 4 / UCO 5	2.55%	11.40%
	UCO 6	3.40%	12.25%
	UCO 7	4.20%	13.05%
	Below UCO 7	5.50%	14.35%
	(v) Total Funded Exposure more than Rs 10.00 cr
	UCO1	1.80%	10.65%
	UCO2 / UCO 3	2.20%	11.05%
	UCO 4 / UCO 5	2.45%	11.30%
	UCO 6	3.30%	12.15%
	UCO 7	4.10%	12.95%
	Below UCO 7	5.50%	14.35%
	Facilities having maturity period more than 1 year upto 5 years
	(i) Total Funded Exposure more than Rs 25 lacs and upto 1 crs	As per Credit rating as under:
	Internal Credit Rating
	UCO1	2.15%	11.00%
	UCO2 / UCO 3	2.55%	11.40%
	UCO 4 / UCO 5	2.80%	11.65%
	UCO 6	3.65%	12.50% /td>
	UCO 7	4.45%	13.30%
	Below UCO 7	5.65%	14.50%
	(ii) Total Funded Exposure more than Rs 1.00 cr to upto 10 crs
	UCO1	2.05%	10.90%
	UCO2 / UCO 3	2.45%	11.30%
	UCO 4 / UCO 5	2.70%	11.55%
	UCO 6	3.55%	12.40%
	UCO 7	4.35%	13.20%
	Below UCO 7	5.65%	14.50%
	(iii) Total Funded Exposure more than Rs 10.00 cr
	UCO1	1.95%	10.80%
	UCO2 / UCO 3	2.35%	11.20%
	UCO 4 / UCO 5	2.60%	11.45%
	UCO 6	3.45%	12.30%
	UCO 7	4.25%	13.10%
	Below UCO 7	5.65%	14.50%
	Facilities having maturity period more than 5 years upto 7 years
	(i) Total Funded Exposure more than Rs 25 lacs and upto 1 crs	As per Credit rating as under:
	Internal Credit Rating
	UCO1	2.20%	11.05%
	UCO2 / UCO 3	2.60%	11.45%
	UCO 4 / UCO 5	2.85%	11.70%
	UCO 6	3.70%	12.55%
	UCO 7	4.50%	13.35%
	Below UCO 7	5.70%	14.55%
	(ii) Total Funded Exposure more than Rs 1.00 cr to upto 10 crs
	UCO1	2.10%	10.95%
	UCO2 / UCO 3	2.50%	11.35%
	UCO 4 / UCO 5	2.75%	11.60%
	UCO 6	3.60%	12.45%
	UCO 7	4.40%	13.25%
	Below UCO 7	5.70%	14.55%
	(iii) Total Funded Exposure more than Rs 10.00 cr
	UCO1	2.00%	10.85%
	UCO2 / UCO 3	2.40%	11.25%
	UCO 4 / UCO 5	2.65%	11.50%
	UCO 6	3.50%	12.35%
	UCO 7	4.30%	13.15%
	Below UCO 7	5.70%	14.55%
	Facilities having maturity period more than 7 years
	(i) Total Funded Exposure more than Rs 25 lacs and upto 1 crs	As per Credit rating as under:
	Internal Credit Rating
	UCO1	2.50%	11.35%
	UCO2 / UCO 3	2.90%	11.75%
	UCO 4 / UCO 5	3.15%	12.00%
	UCO 6	4.00%	12.85%
	UCO 7	4.80%	13.65%
	Below UCO 7	6.00%	14.85%
	(ii) Total Funded Exposure more than Rs 1.00 cr to upto 10 crs
	UCO1	2.40%	11.25%
	UCO2 / UCO 3	2.80%	11.65%
	UCO 4 / UCO 5	3.05%	11.90%
	UCO 6	3.90%	12.75%
	UCO 7	4.70%	13.55%
	Below UCO 7	6.00%	14.85%
	(iii) Total Funded Exposure more than Rs 10.00 cr
	UCO1	2.30%	11.15%
	UCO2 / UCO 3	2.70%	11.55%
	UCO 4 / UCO 5	2.95%	11.80%
	UCO 6	3.80%	12.65%
	UCO 7	4.60%	13.45%
	Below UCO 7	6.00%	14.85%

H. Retail and other Schemes :

H	Retail and other Schemes
1	UCO Cash
	a) UCO Cash -for Men	3.25%	12.10%
	b) UCO Cash - for Women	3.00%	11.85%
2	UCO Pensioner
	General Public	3.40%	12.25%
	UCO Bank Staff Pensioners	2.40%	11.25%
3	UCO Securities	3.50%	12.35%
4	UCO 2-Wheeler
	(a) General Category	4.65%	13.50%
	(b) Full Liquid Collateral	3.65%	12.50%
	(c) 50% Liquid Collateral	4.15%	13.00%
5	HOME LOAN
	For Home Loan upto Rs 30 Lac	0.00%	8.85%
	For Home Loan above Rs 30 lac and upto Rs 75 Lac	0.10%	8.95%
	For Home Loan above Rs 75 Lac	0.25%	9.10%

	UCO Corporate Home Loan- Corporates having internal rating UCO 3 and above	2.15%	11.00%
	UCO Corporate Home Loan- others	3.15%	12.00%
	UCO top up Home Loan	1.40%	10.25%
6	UCO Car
	For purchase of new Car having repayment period upto 7 years	0.65%	9.50%
	For purchase of Pre-used Car -Purchased from Certified Car Dealer	1.75%	10.60%
	For purchase of Pre-used Car - all Others	2.25%	11.10%
	UCO Car Loan Combo Scheme	0.40%	9.25%

7	UCO Gold Loan Scheme
	Priority Sector
	(b) Gold Loans (PS) for Agriculture & Allied Activities other than Crop loans which are taken as demand loan upto 9 months	0.00%	8.70%
	(c) Gold Loans (PS) for Agriculture & Allied Activities other than Crop loans which are taken as demand loan above 9 months	0.00%	8.85%
	(d) Gold Loans (PS) for Agriculture & Allied Activities other than Crop loans which are taken as overdraft scheme	0.20%	9.05%
8	Other Schemes
	(i) UCO Swabhiman	2.90%	11.75%
	(ii) UCO Rent
	(a) To Owner of our Bank’s Branch Premises or where tenant is PSUs, Reputed Corporates, FI, Insurance Companies and MNCs	1.55%	10.40%
	(b) For others - repyamenrt upto 36 Months	2.25%	11.10%
	(c) For others - repyamenrt above 36 Months	2.50%	11.35%
	(d) Commercial Real Estate	2.75%	11.60%
	(iii) UCO Earnest Money	1.70%	10.55%
	(iv) Commercial Real Estate	Separetely given below
	(v) UCO Real Estate	6.30%	15.10%
	(vi) UCO Shopper-salary Tie up/ 100% Liquid security	1.40%	15.15%
	UCO Shopper- other cases	2.40%	10.25%
	(vii) UCO Property- Priority Sector	2.40%	11.25%
	UCO Property- Non Priority Sector	3.40%	12.25%
	(viii) UCO CA	2.40%	11.25%

I. Unsecured Loans and Advances :

I	Unsecured Loans and Advances	Facilities having maturity period upto 1 Year
	(i) Total Funded Exposure upto 1 crs	As per Credit rating as under:
	Internal Credit Rating
	UCO1	2.50%	11.35%
	UCO2 / UCO 3	3.15%	12.00%
	UCO 4 / UCO 5	3.40%	12.25%
	UCO 6	4.50%	13.35%
	UCO 7	5.45%	14.30%
	Below UCO 7	6.50%	15.35%
	(ii) Total Funded Exposure more than Rs 1.00 cr to upto 10 crs
	UCO1	2.40%	11.25%
	UCO2 / UCO 3	3.05%	11.90%
	UCO 4 / UCO 5	3.30%	12.15%
	UCO 6	4.40%	13.25%
	UCO 7	5.35%	14.20%
	Below UCO 7	6.50%	15.35%
	(iii) Total Funded Exposure more than Rs 10.00 cr
	UCO1	2.30%	11.15%
	UCO2 / UCO 3	2.95%	11.80%
	UCO 4 / UCO 5	3.20%	12.05%
	UCO 6	4.30%	13.15%
	UCO 7	5.25%	14.10%
	Below UCO 7	6.50%	15.35%
	Facilities having maturity period more than 1 year upto 5 years
	(i) Total Funded Exposure upto 1 crs	As per Credit rating as under:
	Internal Credit Rating
	UCO1	2.65%	11.50%
	UCO2 / UCO 3	3.30%	12.15%
	UCO 4 / UCO 5	3.55%	12.40%
	UCO 6	4.65%	13.50%
	UCO 7	5.60%	14.45%
	Below UCO 7	6.65%	15.50%

	(ii) Total Funded Exposure more than Rs 1.00 cr to upto 10 crs
	UCO1	2.55%	11.40%
	UCO2 / UCO 3	3.20%	12.05%
	UCO 4 / UCO 5	3.45%	12.30%
	UCO 6	4.55%	13.40%
	UCO 7	5.50%	14.35%
	Below UCO 7	6.65%	15.50%
	(ii) Total Funded Exposure more than Rs 10.00 cr
	UCO1	2.45%	11.30%
	UCO2 / UCO 3	3.10%	11.95%
	UCO 4 / UCO 5	3.35%	12.20%
	UCO 6	4.45%	13.30%
	UCO 7	5.40%	14.25%
	Below UCO 7	6.65%	15.50%
	Facilities having maturity period more than 5 years upto 7 years
	(i) Total Funded Exposure upto 1 crs	As per Credit rating as under:
	Internal Credit Rating
	UCO1	2.70%	11.55%
	UCO2 / UCO 3	3.35%	12.20%
	UCO 4 / UCO 5	3.60%	12.45%
	UCO 6	4.70%	13.55%
	UCO 7	5.65%	14.45%
	Below UCO 7	6.70%	15.50%
	(i) Total Funded Exposure more than Rs 1.00 cr to upto 10 crs
	UCO1	2.60%	11.45%
	UCO2 / UCO 3	3.25%	12.10%
	UCO 4 / UCO 5	3.50%	12.35%
	UCO 6	4.60%	13.45%
	UCO 7	5.55%	14.40%
	Below UCO 7	6.70%	15.55%
	(ii) Total Funded Exposure more than Rs 10.00 cr
	UCO1	2.50%	11.35%
	UCO2 / UCO 3	3.15%	12.00%
	UCO 4 / UCO 5	3.40%	12.25%
	UCO 6	4.50%	13.35%
	UCO 7	5.45%	14.30%
	Below UCO 7	6.70%	15.55%
	Facilities having maturity period more than 7 years
	(i) Total Funded Exposure upto 1 crs	As per Credit rating as under:
	Internal Credit Rating
	UCO1	3.00%	11.85%
	UCO2 / UCO 3	3.65%	12.50%
	UCO 4 / UCO 5	3.90%	12.75%
	UCO 6	5.00%	13.85%
	UCO 7	5.95%	14.80%
	Below UCO 7	7.00%	15.85%
	(i) Total Funded Exposure more than Rs 1.00 cr to upto 10 crs
	UCO1	2.90%	11.75%
	UCO2 / UCO 3	3.55%	12.40%
	UCO 4 / UCO 5	3.80%	12.65%
	UCO 6	4.90%	13.75%
	UCO 7	5.85%	14.70%
	Below UCO 7	7.00%	15.85%
	(ii) Total Funded Exposure more than Rs 10.00 cr
	UCO1	2.80%	11.65%
	UCO2 / UCO 3	3.45%	12.30%
	UCO 4 / UCO 5	3.70%	12.55%
	UCO 6	4.80%	13.65%
	UCO 7	5.75%	14.60%
	Below UCO 7	7.00%	15.85%

J. Any other Loans and Advances not Specified above :

J	Any other Loans and Advances not Specified above
	Facilities having maturity upto 1 year	8.80%	17.65%
	Facilities having maturity above 1 year and upto 7 years	9.00%	17.85%
	Facilities having maturity more than 7 years	9.30%	18.15%

K. Loan against Bank's Own Term Deposits :

K	Loan against Bank’s Own Term Deposits
	Loans against own Term Deposits *	1% above the deposit rate
	Loans against Third Party FDRs	2% above deposit rate or MCLR of respective maturity,whichever is higher**
	* In case of Multiple FDR, the weighted average of all FDR pledged shall be considered **Loan against FDR for 1 month to <3 month shall be linked with 1 month MCLR, Loan for 3 month to <6 month shall be linked with 3 month MCLR, loan for 6 month to < 1year shall be linked with 6 month MCLR and loan for 1 year and above shall be linked with 1 year MCLR)

L. Discounting of Bills under Letters of Credit :

Discounting of Bills under Letters of Credit
(i)Discounting of Bills under inland Letters of Credit	MCLR	MCLR Rate	Spread	Effective Rate
For Sight / Usance period upto 90 days	3 months MCLR	8.45%		8.45%
For Usance period above 90 days to 180 days	6 months MCLR	8.70%		8.70%
For Usance period above 180 days to 365 days (Applicable for bills under Domestic Letter of Credit)	One Year MCLR	8.85%	0.75%	9.60%
(ii)Discounting of Bills under foreign Letters of Credit
(A) When financing is in Indian Rupees	MCLR	MCLR Rate	Spread	Effective rate
For Sight / Usance period upto 90 days	3 months MCLR	8.45%		8.45%
For Usance period above 90 days to 180 days	6 months MCLR	8.70%		8.70%
(B) When financing is in foreign currency	As per RBI guidelines from time to time

M. Export Credit :

M	Export Credit
	Pre Shipment	MCLR	MCLR Rate	Spread	Effective rate
	Upto 270 days	6 months MCLR	8.70%	1.00%	9.70%
	Beyond 270 days and upto 360 days	6 months MCLR	8.70%	1.25%	9.95%
	Against incentive receivable from GOI up to 90 days	3 months MCLR	8.45%	1.05%	9.50%
	Post Shipment	MCLR	MCLR Rate	Spread	Effective rate
	On Demand Bills for transit period	Overnight MCLR	8.10%	1.20%	9.30%
	Usance Bills upto notional due date whichever is earlier
	Upto 180 days	3 months MCLR	8.45%	1.05%	9.50%
	More than 180 days to 365 days	6 months MCLR	8.70%	1.45%	10.15%
	Against Govt. incentive Recivable from GOI upto 90 days	3 months MCLR	8.45%	1.05%	9.50%
	Against undrawan balance upto 90 days	3 months MCLR	8.45%	1.05%	9.50%
	Against retention money payable within 01 year for DOS ( for supplies upto 90 days)	6 months MCLR	8.70%	1.00%	9.70%
	Export not otherwise specified(ECNOS)
	Pre-shipment	1 Year MCLR	8.85%	5.95%	14.80%
	Post-shipment	1 Year MCLR	8.85%	5.95%	14.80%
	Note- 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) Orange Coloured schemes to be opened in EBLR only.

N. Commercial Real Estate:

N	Commercial Real Estate
	(i) Spread over 1 Year MCLR CRE- Residential Housing
	Facility having maturity upto 1 year
	INTERNAL RATING	Upto 1cr	Above 1 cr to 10 Cr	Above 10 cr
	UCO1	2.00%	1.90%	1.80%
	UCO2 / UCO 3	2.40%	2.30%	2.20%
	UCO 4 / UCO 5	2.65%	2.55%	2.45%
	UCO 6	3.50%	3.40%	3.30%
	UCO 7	4.30%	4.20%	4.10%
	BELOW UCO 7	5.50%	5.50%	5.50%
	Facility having maturity above 1 year and upto 5 years
	INTERNAL RATING	Upto 1cr	Above 1 cr to 10 Cr	Above 10 cr
	UCO1	2.15%	2.05%	1.95%
	UCO2 / UCO 3	2.55%	2.45%	2.35%
	UCO 4 / UCO 5	2.80%	2.70%	2.60%
	UCO 6	3.65%	3.55%	3.45%
	UCO 7	4.45%	4.35%	4.25%
	BELOW UCO 7	5.65%	5.65%	5.65%
	Facility having maturity above 5 years to upto 7 years
	INTERNAL RATING	Upto 1cr	Above 1 cr to 10 Cr	Above 10 cr
	UCO1	2.20%	2.10%	2.00%
	UCO2 / UCO 3	2.60%	2.50%	2.40%
	UCO 4 / UCO 5	2.85%	2.75%	2.65%
	UCO 6	3.70%	3.60%	3.50%
	UCO 7	4.50%	4.40%	4.30%
	BELOW UCO 7	5.70%	5.70%	5.70%
	Facility having maturity above7 years
	INTERNAL RATING	Upto 1cr	Above 1 cr to 10 Cr	Above 10 cr
	UCO1	2.50%	2.40%	2.30%
	UCO2 / UCO 3	2.90%	2.80%	2.70%
	UCO 4 / UCO 5	3.15%	3.05%	2.95%
	UCO 6	4.00%	3.90%	3.80%
	UCO 7	4.80%	4.70%	4.60%
	BELOW UCO 7	6.00%	6.00%	6.00%
	(ii) Spread over 1 Year MCLR CRE-Others
	Facility having maturity upto 1 year
	INTERNAL RATING	Upto 1cr	Above 1 cr to 10 Cr	Above 10 cr
	UCO1	2.25%	2.15%	2.05%
	UCO2 / UCO 3	2.65%	2.55%	2.45%
	UCO 4 / UCO 5	2.90%	2.80%	2.70%
	UCO 6	3.75%	3.65%	3.55%
	UCO 7	4.55%	4.45%	4.35%
	BELOW UCO 7	5.75%	5.75%	5.75%
	Facility having maturity above 1 years and upto 5 years
	INTERNAL RATING	Upto 1cr	Above 1 cr to 10 Cr	Above 10 cr
	UCO1	2.40%	2.30%	2.20%
	UCO2 / UCO 3	2.80%	2.70%	2.60%
	UCO 4 / UCO 5	3.05%	2.95%	2.85%
	UCO 6	3.90%	3.80%	3.70%
	UCO 7	4.70%	4.60%	4.50%
	BELOW UCO 7	5.90%	5.90%	5.90%
	Facility having maturity above 5 years upto 7 years
	INTERNAL RATING	Upto 1cr	Above 1 cr to 10 Cr	Above 10 cr
	UCO1	2.45%	2.35%	2.25%
	UCO2 / UCO 3	2.85%	2.75%	2.65%
	UCO 4 / UCO 5	3.10%	3.00%	2.90%
	UCO 6	3.95%	3.85%	3.75%
	UCO 7	4.75%	4.65%	4.55%
	BELOW UCO 7	5.95%	5.95%	5.95%
	Facility having maturity above 7 years
	INTERNAL RATING	Upto 1cr	Above 1 cr to 10 Cr	Above 10 cr
	UCO1	2.75%	2.65%	2.55%
	UCO2 / UCO 3	3.15%	3.05%	2.95%
	UCO 4 / UCO 5	3.40%	3.30%	3.20%
	UCO 6	4.25%	4.15%	4.05%
	UCO 7	5.05%	4.95%	4.85%
	BELOW UCO 7	6.25%	6.25%	6.25%

P. Spread for Central Govt/State Govt./Central Govt Guranteed /State Govt Guranteed Account :

(P) Spread for Central Govt/State Govt./Central Govt Guranteed /State Govt Guranteed Account
(i) SPREAD In case of direct exposure to Central/State governments or Central government guaranteed accounts
Internal Credit Rating	Spread	Effective ROI
Facility having maturity upto 1 year
UCO1 to UCO3	1.00%	9.85%
UCO 4 to UCO6	1.25%	10.10%
UCO 7 & Below	1.50%	10.35%
Facility having maturity above 1 year and upto 5 years
UCO1 to UCO3	1.15%	10.00%
UCO 4 to UCO6	1.40%	10.25%
UCO 7 & Below	1.65%	10.50%
Facility having maturity above 5 years and upto 7 years
UCO1 to UCO3	1.20%	10.05%
UCO 4 to UCO6	1.45%	10.30%
UCO 7 & Below	1.70%	10.55%
Facility having maturity above 7 years
UCO1 to UCO3	1.50%	10.35%
UCO 4 to UCO6	1.75%	10.60%
UCO 7 & Below	2.00%	10.85%
(ii) In case of State governments guaranteed accounts, Central PSUs, Bodies or Corporations incorporated by central government and other corporate customers having AAA rating
Facility having maturity upto 1 year
UCO1 to UCO3	1.25%	10.10%
UCO 4 to UCO6	1.50%	10.35%
UCO 7 & Below	1.75%	10.60%
Facility having maturity above 1 year and upto 5 years
UCO1 to UCO3	1.40%	10.25%
UCO 4 to UCO6	1.65%	10.50%
UCO 7 & Below	1.90%	10.75%
Facility having maturity above 5 years and upto 7 years
UCO1 to UCO3	1.45%	10.30%
UCO 4 to UCO6	1.70%	10.55%
UCO 7 & Below	1.95%	10.80%
Facility having maturity above 7 years
UCO1 to UCO3	1.75%	10.60%
UCO 4 to UCO6	2.00%	10.85%
UCO 7 & Below	2.25%	11.10%
(iii) In case of State Govt. PSUs where respective State Govt. Guarantee is not available having external credit rating A and Above, Corporate Account with exposure greater than 25.00 crore and rating AA or A
Facility having maturity upto 1 year
	Spread
INTERNAL /EXTERNAL RATING	Up to 1 year	above 1 year up to 5 years	Above 5 years up to 7 years	Above 7 years
UCO1	1.25%	1.40%	1.45%	1.75%
UCO2 / UCO 3	1.45%	1.60%	1.65%	1.95%
UCO 4 / UCO 5	1.65%	1.80%	1.85%	2.15%
UCO 6	1.75%	1.90%	1.95%	2.25%
UCO 7	2.00%	2.15%	2.20%	2.50%
Below UCO 7	4.00%	4.15%	4.20%	4.50%
* Unrated means account eligible for External rating or otherwise
(iv) In case of State Govt. PSU where respective State Govt. Guarantee is not available and external credit rating is below A, final spread for such category of Advances
	Spread for up to 1 year
INTERNAL /EXTERNAL RATING	Above 1 crore to 10 crore	Above10 crore
UCO1	1.85%	1.75%
UCO2 / UCO 3	2.10%	2.00%
UCO 4 / UCO 5	2.50%	2.40%
UCO 6	3.30%	3.20%
UCO 7	4.10%	4.00%
Below UCO 7	4.50%	4.40%
	Spread for above 1 year up to 5 years
INTERNAL /EXTERNAL RATING	Above 1 crore to 10 crore	Above10 crore
UCO1	2.00%	1.90%
UCO2 / UCO 3	2.25%	2.15%
UCO 4 / UCO 5	2.65%	2.55%
UCO 6	3.45%	3.35%
UCO 7	4.25%	4.15%
Below UCO 7	4.65%	4.55%
	Spread for above 5 year up to 7 years
INTERNAL /EXTERNAL RATING	Above 1 crore to 10 crore	Above10 crore
UCO1	2.05%	1.95%
UCO2 / UCO 3	2.30%	2.20%
UCO 4 / UCO 5	2.70%	2.60%
UCO 6	3.50%	3.40%
UCO 7	4.30%	4.20%
Below UCO 7	4.70%	4.60%
	Spread for above 7 years
INTERNAL /EXTERNAL RATING	Above 1 crore to 10 crore	Above10 crore
UCO1	2.35%	2.25%
UCO2 / UCO 3	2.60%	2.50%
UCO 4 / UCO 5	3.00%	2.90%
UCO 6	3.80%	3.70%
UCO 7	4.60%	4.50%
Below UCO 7	5.00%	4.90%

* Unrated means account eligible for External rating or otherwise

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