| 1 |
Who are eligible? |
- All standard KCC accounts
- The maximum combined KCC limit defined will be less than or equal to Rs. 1.6 Lacs. The renewal will be done in all states
- 10% limit enhancement for cumulative limit of KCC subject to maximum of Rs. 1.6 Lakhs per customer
- 10% enhancement will be given to those customers who either repay their dues within 1 year of disbursement or repay at the time of renewal
- If the customer makes part payment or no payment, then the account will be reviewed but will not be eligible for interest subvention and 10% enhancement in Drawing Power
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| 2 |
Maximum Drawing Power |
- The maximum Drawing Power is Rs. 1.6 Lakh per customer
- All enhancements will be made, subjecting the post-enhancement amount to this upper limit of Rs. 1.6 Lakh
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| 3 |
Branch Visit |
- KCC Renewal will be done through STP or SMS services for all eligible customers
- There will be no separate branch visit before the renewal is done, branches can continue with their routine inspections following current protocol
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| 4 |
Methods of Renewal |
- STP process by clicking on the link shared by the bank
- SMS and WhatsApp based interaction
- Branch assisted renewal with banker's help
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| 5 |
Processing & Other charges |
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| 6 |
How to access this digital journey |
- This end to end journey may be accessed through UCO website or mobile phone, using the link shared by the bank
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