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Annexure-I
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Interest Rate structure applicable to different products / categories of Loans and
Advances Linked to UCO Float :
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w.e.f.10.09.2021
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UCO Float
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6.90%
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Particulars
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Credit Risk Premium
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Effective Rate( Considering UCO Float)
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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
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Advances to Micro & Small Enterprises (MSE)
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a) Total Funded Exposure up to Rs.25 lacs
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1.30%
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8.20%
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b) Total Funded Exposure more than to Rs.25 lacs and up to Rs.1.00 crore
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2.30%
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9.20%
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c) Total Funded Exposure more than Rs.1.00 crore
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As per Credit rating as under:
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Internal Credit Rating
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UCO 1
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2.05%
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8.95%
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UCO 2
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2.30%
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9.20%
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UCO 3
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2.30%
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9.20%
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UCO 4
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2.80%
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9.70%
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Below UCO 4
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3.30%
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10.20%
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Note:
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(1) No internal rating is required upto Rs.1.00 crore.
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(2) CGTMSE Cover is mandatory for loans & advances upto Rs.2.00
crore.
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Advances to Medium Enterprises
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a) Total Funded Exposure upto 1 cr
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3.05%
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9.95%
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b) Total Funded Exposure more than 1 cr
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As per Credit rating as under:
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Internal Credit Rating
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UCO 1
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2.80%
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9.70%
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UCO 2
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3.05%
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9.95%
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UCO 3
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3.05%
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9.95%
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UCO 4
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3.55%
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10.45%
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Below UCO 4
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4.05%
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10.95%
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(4) Above interest rates are not applicable for Loans to Retail Trade
Sector / Loan under UCO Trader Scheme.
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UCO Vyapar Smariddhi
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Funded exposure upto Rs 10 lakh
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0.30%
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7.20%
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Funded exposure above Rs 10 lakh and upto Rs 25 lakh
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1.30%
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8.20%
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Funded exposure above Rs 25 lakh and upto Rs 100 lakh
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2.30%
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9.20%
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Mukhya Mantri Swalamban Yojana
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a) upto Rs 10 lacs
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0.30%
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7.20%
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b) Above Rs 10 lacs and upto Rs 40 lacs
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1.30%
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8.20%
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UCO Roop Sangam
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0.30%
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7.20%
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PMEGP
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1.30%
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8.20%
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UCO BUNKAR RIN YOJANA
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For Rs 50000/-
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0.15%
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7.05%
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Above Rs 50000/- & upto rs 3.00 lakhs
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1.15%
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8.05%
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Above Rs 3.00 lakhs and upto Rs 5.00 lakhs
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1.65%
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8.55%
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Prime Minister's Mudra Yojana (PMMY)
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0.30%
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7.20%
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TwoWheeler under Mudra Scheme
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0.30%
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7.20%
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UCO PM CREDIT SCHEME FOR POWERLOOM WEAVERS UNDER MUDRA(upto 10 Lakh)
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(a) Cah Credit
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0.30%
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7.20%
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(b) Term Loan
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0.30%
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7.20%
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UCO PM CREDIT SCHEME FOR POWERLOOM WEAVERS UNDER STANDUP INDIA(Above 10 Lakh upto
25 lakhs)
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(a) Cah Credit
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1.30%
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8.20%
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(b) Term Loan
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1.30%
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8.20%
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UCO PM CREDIT SCHEME FOR POWERLOOM WEAVERS UNDER STANDUP INDIA(Above 25 Lakh upto
1 Crore)
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(a) Cah Credit
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2.30%
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9.20%
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(b) Term Loan
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2.30%
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9.20%
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TL Mudra E-Rickshaw
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0.30%
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7.20%
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2
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UCO Estate Purchase loan Scheme
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Rate Of Interest applicable to “Advances to Micro and Small Enterprises(MSE)
shall be applicable.
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3
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UCO Udyod bandhu Scheme
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Total Funded Exposure:-
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Credit Risk Premium
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Effective Rate( Considering UCO Float)
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(a) Upto Rs 10.00 Lac
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0.30%
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7.20%
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(b) Above Rs 10.00 Lac and upto Rs 1.00 Crore
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1.30%
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8.20%
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(c) Above Rs 1.00 Crore
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As per Credit Rating as under:
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Internal Credit Rating
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spread over UCO FLOAT
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Effective rate
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General
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Women Entrepreneurs
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UCO 1
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2.05%
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8.95%
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8.45%
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UCO 2 & UCO 3
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2.30%
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9.20%
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8.70%
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UCO 4
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2.80%
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9.70%
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9.20%
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Below UCO 4
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3.30%
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10.20%
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9.70%
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* Please note that for women Entrepreneurs the applicable rate of interest is 0.50%
less than effective rate of interest applicable to general category
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4
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UCO Mahila Utthan Scheme
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Credit Risk Premium
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Effective Rate( Considering UCO Float)
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Cash credit Facility
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0.30%
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7.20%
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5
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Retail Trade Advances other than “UCO Trader Scheme”
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(a) Upto Rs 25 lac
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1.30%
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8.20%
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(b) Above Rs 25 lacs upto Rs 2 Crore
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2.30%
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9.20%
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(c) Above Rs 2 Crore
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As per credit rating as under:
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i. UCO1
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2.55%
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9.45%
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ii. UCO2/UCO3
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2.80%
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9.70%
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iii. UCO4
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3.30%
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10.20%
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iv. Below UCO4
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3.80%
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10.70%
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Note:
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(1) No Credit Rating is required for loans upto to Rs 100 Lacs
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(2) Minimum Credit Rating required for allowing such loans above Rs. 100 lacs to
Rs 200 lacs would be UCO 4.
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6
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ARTISAN CREDIT CARD
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(a) Cah Credit
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1.30%
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8.20%
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(b) Term Loan
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1.30%
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8.20%
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7
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SWAROJGAR CREDIT CARD
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Cash Credit
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1.30%
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8.20%
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8
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Advances under UCO General Credit Card Scheme (UGCC)
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0.30%
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7.20%
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9
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UCO Commercial Vehicle Finance Scheme
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For Loans -
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Credit Risk Premium
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Effective Rate( Considering UCO Float)
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(a) Upto Rs.25 lacs
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1.30%
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8.20%
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(b) Above Rs.25 lacs and up to Rs.1.00 cr
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2.30%
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9.20%
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10
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ROI for Education Loans, UCO Doctor Scheme, Housing Loans and Retail Trade Advances
has been given separately.
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A
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Education Loans:
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Upto Rs.7.50 lacs
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2.40%
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9.30%
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More than Rs.7.50 lacs
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2.80%
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9.70%
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Vocational Education Loan Scheme
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3.05%
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9.95%
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UCO Skill Loan Scheme
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1.90%
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8.80%
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Students satisfying DRI norms - Any Amount
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4.00%
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Students satisfying 60% handicapped criteria - Any Amount
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4.00%
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UCO premium Education Loan Scheme
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1.55%
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8.45%
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UCO Aspire 0.50% rebate can be allowed to Girl Student and children Of staff.
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2.40%
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9.30%
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CM B.Ed Annapurna Yojana
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2.40%
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9.30%
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UCO Super Premier Education Loan Scheme
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0.40%
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7.30%
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B
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UCO Trader Scheme:
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ROI to Loans and Advances under UCO Trader Scheme
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Total Funded Exposure -
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(a) Upto Rs.1.00 Crore
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1.30%
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8.20%
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(b) Above Rs.1.00 Crore upto rs 5 Crore
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As per Credit rating as under:
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Internal Credit Rating
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UCO 1
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2.30%
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9.20%
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UCO 2/ UCO 3
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2.55%
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9.45%
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UCO 4
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2.80%
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9.70%
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Below UCO 4
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3.10%
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10.00%
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C
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UCO Doctor Scheme
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For Loans -
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(a) Upto Rs.25 lacs
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1.30%
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8.20%
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(b) Above Rs.25 lacs and up to Rs.1.00 cr
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2.30%
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9.20%
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(c) Above Rs.1.00 crore
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As per Credit rating as under:
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Internal Credit Rating
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UCO 1
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2.05%
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8.95%
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UCO 2
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2.30%
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9.20%
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UCO 3
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2.30%
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9.20%
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UCO 4
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2.80%
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9.70%
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Below UCO 4
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3.30%
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10.20%
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Note: CGTMSE Cover is compulsory for loans upto Rs.2.00 crore.
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D
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Retail and other Schemes
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(i)
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UCO Cash
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a) UCO Cash -for Central/ State Govt employee
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3.15%
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10.05%
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b) UCO Cash - Other than Govt. Employee
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3.40%
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10.30%
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(i)
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UCO Pensioner
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General Public
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3.55%
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10.45%
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UCO Bank Staff Pensioners
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2.55%
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9.45%
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(iii)
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UCO Securities
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3.65%
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10.55%
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(iv)
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UCO 2-Wheeler
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(a) General Category
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4.80%
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11.70%
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(b) Full Liquid Collateral
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3.80%
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10.70%
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(c) 50% Liquid Collateral
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4.30%
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11.20%
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(v)
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HOME LOAN
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For Home Loan (Borrowers with Cibil Score or Equivalent >750)
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0.00%
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6.90%
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For Home Loan (Borrowers with Cibil Score or Equivalent <=750)
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0.10%
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7.00%
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PMAY-EWS
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For Home Loan (Borrowers with Cibil Score or Equivalent >750)
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0.00%
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6.90%
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For Home Loan (Borrowers with Cibil Score or Equivalent <=750)
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0.10%
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7.00%
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PMAY-MIG
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For Home Loan (Borrowers with Cibil Score or Equivalent >750)
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0.00%
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6.90%
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For Home Loan (Borrowers with Cibil Score or Equivalent <=750)
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0.10%
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7.00%
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NRI HOME LOAN
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For Home Loan (Borrowers with Cibil Score or Equivalent >750)
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0.00%
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6.90%
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For Home Loan (Borrowers with Cibil Score or Equivalent <=750)
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0.10%
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7.00%
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TAKEOVER HOME LOAN
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For Home Loan (Borrowers with Cibil Score or Equivalent >750)
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0.00%
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6.90%
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For Home Loan (Borrowers with Cibil Score or Equivalent <=750)
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0.10%
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7.00%
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INTEREST CAPITALISATION
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For Home Loan (Borrowers with Cibil Score or Equivalent >750)
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0.00%
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6.90%
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For Home Loan (Borrowers with Cibil Score or Equivalent <=750)
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0.10%
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7.00%
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UCO TOP UP HOME LOAN
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1.55%
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8.45%
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UCO CORPORATE HOME LOAN -CORPORATES
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2.30%
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9.20%
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UCO CORPORATE HOME LOAN-OTHERS
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3.30%
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10.20%
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(vi)
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UCO Car
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For purchase of new Car having repayment period upto 7 years
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0.80%
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7.70%
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For purchase of Pre-used Car -Purchased from Certified Car Dealer
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1.90%
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8.80%
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For purchase of Pre-used Car - all Others
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2.40%
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9.30%
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UCO Car Loan Combo Scheme
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0.55%
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7.45%
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(vii)
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UCO Gold Loan Scheme
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Priority Sector
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(c) Gold Loans (PS) for Retail Assets Products
|
0.60%
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7.50%
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Non Priority Sector
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(d) Gold Loans (NPS) for Retail Assets Products
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3.55%
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10.45%
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(viii)
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Other Schemes
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(i) UCO Swabhiman
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3.05%
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9.95%
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(ii) UCO Rent
|
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(a) Owner of our Bank's Branch
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1.55%
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8.45%
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(a) To Owner of our Bank’s Branch Premises or where tenant is PSUs, Reputed
Corporates, FI, Insurance Companies and MNCs
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1.70%
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8.60%
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(b) For others - repyamenrt upto 36 Months
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2.40%
|
9.30%
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(c) For others - repyamenrt above 36 Months
|
2.65%
|
9.55%
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(d) Commercial Real Estate
|
2.90%
|
9.80%
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(iii) UCO Earnest Money
|
1.70%
|
8.60%
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(iv) Commercial Real Estate
|
Separetely given below
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(v) UCO Real Estate
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6.45%
|
13.35%
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(vi) UCO Shopper-salary Tie up/ 100% Liquid security
|
1.55%
|
8.45%
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|
UCO Shopper- other cases
|
2.55%
|
9.45%
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|
(vii) UCO Property- Priority Sector
|
2.55%
|
9.45%
|
|
UCO Property- Non Priority Sector
|
3.55%
|
10.45%
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(viii) UCO CA
|
2.55%
|
9.45%
|
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N. NBFC
|
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(i) Spread over 1 year MCLR for NBFCs(AFC/IFC/HFC)
|
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Facility having maturity upto 1 year
|
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INTERNAL /EXTERNAL RATING
|
AAA
|
AA
|
A
|
BBB
|
BB
|
Below BB
|
Unrated
|
|
UCO1
|
0.75%
|
1.00%
|
1.50%
|
2.25%
|
3.25%
|
3.50%
|
3.15%
|
|
UCO2
|
1.00%
|
1.25%
|
1.75%
|
2.50%
|
3.50%
|
3.75%
|
3.40%
|
|
UCO3
|
1.50%
|
1.75%
|
2.25%
|
3.00%
|
4.00%
|
4.25%
|
3.65%
|
|
UCO4
|
2.25%
|
2.50%
|
3.00%
|
3.75%
|
4.75%
|
5.00%
|
4.15%
|
|
UCO5
|
3.00%
|
3.25%
|
3.75%
|
4.50%
|
5.50%
|
5.75%
|
4.65%
|
|
UCO6 & UCO7
|
3.75%
|
4.00%
|
4.50%
|
5.25%
|
6.50%
|
6.75%
|
5.65%
|
|
Facility having maturity above 1 years and upto 7 years
|
|
INTERNAL /EXTERNAL RATING
|
AAA
|
AA
|
A
|
BBB
|
BB
|
Below BB
|
Unrated
|
|
UCO1
|
0.95%
|
1.20%
|
1.70%
|
2.45%
|
3.45%
|
3.70%
|
3.35%
|
|
UCO2
|
1.20%
|
1.45%
|
1.95%
|
2.70%
|
3.70%
|
3.95%
|
3.60%
|
|
UCO3
|
1.70%
|
1.95%
|
2.45%
|
3.20%
|
4.20%
|
4.45%
|
3.85%
|
|
UCO4
|
2.45%
|
2.70%
|
3.20%
|
3.95%
|
4.95%
|
5.20%
|
4.35%
|
|
UCO5
|
3.20%
|
3.45%
|
3.95%
|
4.70%
|
5.70%
|
5.95%
|
4.85%
|
|
UCO6 & UCO7
|
3.95%
|
4.20%
|
4.70%
|
5.45%
|
6.70%
|
6.95%
|
5.85%
|
|
Facility having maturity above 7 years
|
|
INTERNAL /EXTERNAL RATING
|
AAA
|
AA
|
A
|
BBB
|
BB
|
Below BB
|
Unrated
|
|
UCO1
|
1.25%
|
1.50%
|
2.00%
|
2.75%
|
3.75%
|
4.00%
|
3.65%
|
|
UCO2
|
1.50%
|
1.75%
|
2.25%
|
3.00%
|
4.00%
|
4.25%
|
3.90%
|
|
UCO3
|
2.00%
|
2.25%
|
2.75%
|
3.50%
|
4.50%
|
4.75%
|
4.15%
|
|
UCO4
|
2.75%
|
3.00%
|
3.50%
|
4.25%
|
5.25%
|
5.50%
|
4.65%
|
|
UCO5
|
3.50%
|
3.75%
|
4.25%
|
5.00%
|
6.00%
|
6.25%
|
5.15%
|
|
UCO6 & UCO7
|
4.25%
|
4.50%
|
5.00%
|
5.75%
|
7.00%
|
7.25%
|
6.15%
|
|
(ii)NBFC Others
|
|
Facility having maturity upto 1 year
|
|
INTERNAL /EXTERNAL RATING
|
AAA
|
AA
|
A
|
BBB
|
BB
|
Below BB
|
Unrated
|
|
UCO1
|
1.00%
|
1.25%
|
1.75%
|
2.50%
|
3.50%
|
3.75%
|
3.40%
|
|
UCO2
|
1.25%
|
1.50%
|
2.00%
|
2.75%
|
3.75%
|
4.00%
|
3.65%
|
|
UCO3
|
1.75%
|
2.00%
|
2.50%
|
3.25%
|
4.25%
|
4.50%
|
3.90%
|
|
UCO4
|
2.50%
|
2.75%
|
3.25%
|
4.00%
|
5.00%
|
5.25%
|
4.40%
|
|
UCO5
|
3.25%
|
3.50%
|
4.00%
|
4.75%
|
5.75%
|
6.00%
|
4.90%
|
|
UCO6 & UCO7
|
4.00%
|
4.25%
|
4.75%
|
5.50%
|
6.75%
|
7.00%
|
5.90%
|
|
Facility having maturity above 1 years and upto 7 years
|
|
INTERNAL /EXTERNAL RATING
|
AAA
|
AA
|
A
|
BBB
|
BB
|
Below BB
|
Unrated
|
|
UCO1
|
1.20%
|
1.45%
|
1.95%
|
2.70%
|
3.70%
|
3.95%
|
3.60%
|
|
UCO2
|
1.45%
|
1.70%
|
2.20%
|
2.95%
|
3.95%
|
4.20%
|
3.85%
|
|
UCO3
|
1.95%
|
2.20%
|
2.70%
|
3.45%
|
4.45%
|
4.70%
|
4.10%
|
|
UCO4
|
2.70%
|
2.95%
|
3.45%
|
4.20%
|
5.20%
|
5.45%
|
4.60%
|
|
UCO5
|
3.45%
|
3.70%
|
4.20%
|
4.95%
|
5.95%
|
6.20%
|
5.10%
|
|
UCO6 & UCO7
|
4.20%
|
4.45%
|
4.95%
|
5.70%
|
6.95%
|
7.20%
|
6.10%
|
|
Facility having maturity above 7 years
|
|
INTERNAL /EXTERNAL RATING
|
AAA
|
AA
|
A
|
BBB
|
BB
|
Below BB
|
Unrated
|
|
UCO1
|
1.50%
|
1.75%
|
2.25%
|
3.00%
|
4.00%
|
4.25%
|
3.90%
|
|
UCO2
|
1.75%
|
2.00%
|
2.50%
|
3.25%
|
4.25%
|
4.50%
|
4.15%
|
|
UCO3
|
2.25%
|
2.50%
|
3.00%
|
3.75%
|
4.75%
|
5.00%
|
4.40%
|
|
UCO4
|
3.00%
|
3.25%
|
3.75%
|
4.50%
|
5.50%
|
5.75%
|
4.90%
|
|
UCO5
|
3.75%
|
4.00%
|
4.50%
|
5.25%
|
6.25%
|
6.50%
|
5.40%
|
|
UCO6 & UCO7
|
4.50%
|
4.75%
|
5.25%
|
6.00%
|
7.25%
|
7.50%
|
6.40%
|
|
O. Commercial Real Estate
|
|
(i) Spread over 1 Year MCLR CRE- Residential Housing
|
|
Facility having maturity upto 1 year
|
|
INTERNAL /EXTERNAL RATING
|
AAA
|
AA
|
A
|
BBB
|
BB
|
Below BB
|
Unrated
|
|
UCO1
|
1.25%
|
1.50%
|
2.00%
|
2.75%
|
3.75%
|
4.00%
|
3.65%
|
|
UCO2
|
1.50%
|
1.75%
|
2.25%
|
3.00%
|
4.00%
|
4.25%
|
3.90%
|
|
UCO3
|
2.00%
|
2.25%
|
2.75%
|
3.50%
|
4.50%
|
4.75%
|
4.15%
|
|
UCO4
|
2.75%
|
3.00%
|
3.50%
|
4.25%
|
5.25%
|
5.50%
|
4.65%
|
|
UCO5
|
3.50%
|
3.75%
|
4.25%
|
5.00%
|
6.00%
|
6.25%
|
5.15%
|
|
UCO6 & UCO7
|
4.25%
|
4.50%
|
5.00%
|
5.75%
|
7.00%
|
7.25%
|
6.15%
|
|
Facility having maturity above 1 years and upto 7 years
|
|
INTERNAL /EXTERNAL RATING
|
AAA
|
AA
|
A
|
BBB
|
BB
|
Below BB
|
Unrated
|
|
UCO1
|
1.45%
|
1.70%
|
2.20%
|
2.95%
|
3.95%
|
4.20%
|
3.85%
|
|
UCO2
|
1.70%
|
1.95%
|
2.45%
|
3.20%
|
4.20%
|
4.45%
|
4.10%
|
|
UCO3
|
2.20%
|
2.45%
|
2.95%
|
3.70%
|
4.70%
|
4.95%
|
4.35%
|
|
UCO4
|
2.95%
|
3.20%
|
3.70%
|
4.45%
|
5.45%
|
5.70%
|
4.85%
|
|
UCO5
|
3.70%
|
3.95%
|
4.45%
|
5.20%
|
6.20%
|
6.45%
|
5.35%
|
|
UCO6 & UCO7
|
4.45%
|
4.70%
|
5.20%
|
5.95%
|
7.20%
|
7.45%
|
6.35%
|
|
Facility having maturity above 7 years
|
|
INTERNAL /EXTERNAL RATING
|
AAA
|
AA
|
A
|
BBB
|
BB
|
Below BB
|
Unrated
|
|
UCO1
|
1.75%
|
2.00%
|
2.50%
|
3.25%
|
4.25%
|
4.50%
|
4.15%
|
|
UCO2
|
2.00%
|
2.25%
|
2.75%
|
3.50%
|
4.50%
|
4.75%
|
4.40%
|
|
UCO3
|
2.50%
|
2.75%
|
3.25%
|
4.00%
|
5.00%
|
5.25%
|
4.65%
|
|
UCO4
|
3.25%
|
3.50%
|
4.00%
|
4.75%
|
5.75%
|
6.00%
|
5.15%
|
|
UCO5
|
4.00%
|
4.25%
|
4.75%
|
5.50%
|
6.50%
|
6.75%
|
5.65%
|
|
UCO6 & UCO7
|
4.75%
|
5.00%
|
5.50%
|
6.25%
|
7.50%
|
7.75%
|
6.65%
|
|
(ii) Spread over 1 Year MCLR CRE-Others
|
|
Facility having maturity upto 1 year
|
|
INTERNAL /EXTERNAL RATING
|
AAA
|
AA
|
A
|
BBB
|
BB
|
Below BB
|
Unrated
|
|
UCO1
|
1.50%
|
1.75%
|
2.25%
|
3.00%
|
4.00%
|
4.25%
|
3.90%
|
|
UCO2
|
1.75%
|
2.00%
|
2.50%
|
3.25%
|
4.25%
|
4.50%
|
4.15%
|
|
UCO3
|
2.25%
|
2.50%
|
3.00%
|
3.75%
|
4.75%
|
5.00%
|
4.40%
|
|
UCO4
|
3.00%
|
3.25%
|
3.75%
|
4.50%
|
5.50%
|
5.75%
|
4.90%
|
|
UCO5
|
3.75%
|
4.00%
|
4.50%
|
5.25%
|
6.25%
|
6.50%
|
5.40%
|
|
UCO6 & UCO7
|
4.50%
|
4.75%
|
5.25%
|
6.00%
|
7.25%
|
7.50%
|
6.40%
|
|
Facility having maturity above 1 years and upto 7 years
|
|
INTERNAL /EXTERNAL RATING
|
AAA
|
AA
|
A
|
BBB
|
BB
|
Below BB
|
Unrated
|
|
UCO1
|
1.70%
|
1.95%
|
2.45%
|
3.20%
|
4.20%
|
4.45%
|
4.10%
|
|
UCO2
|
1.95%
|
2.20%
|
2.70%
|
3.45%
|
4.45%
|
4.70%
|
4.35%
|
|
UCO3
|
2.45%
|
2.70%
|
3.20%
|
3.95%
|
4.95%
|
5.20%
|
4.60%
|
|
UCO4
|
3.20%
|
3.45%
|
3.95%
|
4.70%
|
5.70%
|
5.95%
|
5.10%
|
|
UCO5
|
3.95%
|
4.20%
|
4.70%
|
5.45%
|
6.45%
|
6.70%
|
5.60%
|
|
UCO6 & UCO7
|
4.70%
|
4.95%
|
5.45%
|
6.20%
|
7.45%
|
7.70%
|
6.60%
|
|
Facility having maturity above 7 years
|
|
INTERNAL /EXTERNAL RATING
|
AAA
|
AA
|
A
|
BBB
|
BB
|
Below BB
|
Unrated
|
|
UCO1
|
2.00%
|
2.25%
|
2.75%
|
3.50%
|
4.50%
|
4.75%
|
4.40%
|
|
UCO2
|
2.25%
|
2.50%
|
3.00%
|
3.75%
|
4.75%
|
5.00%
|
4.65%
|
|
UCO3
|
2.75%
|
3.00%
|
3.50%
|
4.25%
|
5.25%
|
5.50%
|
4.90%
|
|
UCO4
|
3.50%
|
3.75%
|
4.25%
|
5.00%
|
6.00%
|
6.25%
|
5.40%
|
|
UCO5
|
4.25%
|
4.50%
|
5.00%
|
5.75%
|
6.75%
|
7.00%
|
5.90%
|
|
UCO6 & UCO7
|
5.00%
|
5.25%
|
5.75%
|
6.50%
|
7.75%
|
8.00%
|
6.90%
|
|
(P) Spread for Central Govt/State Govt./Central Govt Guranteed /State Govt Guranteed
Account
|
|
(i) SPREAD FOR CENTRAL GOVT /STATE GOVT /CENTRAL GOVT GURANTEED A/C
|
|
Internal Credit Rating
|
Spread
|
Effective ROI( Considering 1 year MCLR)
|
|
|
|
|
|
|
Facility having maturity upto 1 year
|
|
|
|
|
|
|
UCO1 to UCO5
|
0.50%
|
9.15%
|
|
|
|
|
|
|
BELOW UCO 5
|
0.75%
|
9.40%
|
|
|
|
|
|
|
Facility having maturity above 1 years and upto 7 years
|
|
|
|
|
|
|
UCO1 to UCO5
|
0.70%
|
9.35%
|
|
|
|
|
|
|
BELOW UCO 5
|
0.95%
|
9.60%
|
|
|
|
|
|
|
Facility having maturity above 7 years
|
|
|
|
|
|
|
UCO1 to UCO5
|
1.00%
|
9.65%
|
|
|
|
|
|
|
BELOW UCO 5
|
1.25%
|
9.90%
|
|
|
|
|
|
|
(ii) Spread for State Govt. Gurantee Account
|
|
|
|
|
|
|
|
|
Facility having maturity upto 1 year
|
|
|
|
|
|
|
UCO1 TO UCO5
|
0.75%
|
9.40%
|
|
|
|
|
|
|
BELOW UCO 5
|
1.25%
|
9.90%
|
|
|
|
|
|
|
Facility having maturity above 1 years and upto 7 years
|
|
|
|
|
|
|
UCO1 TO UCO5
|
0.95%
|
9.60%
|
|
|
|
|
|
|
BELOW UCO 5
|
1.45%
|
10.10%
|
|
|
|
|
|
|
Facility having maturity above 7 years
|
|
|
|
|
|
|
UCO1 TO UCO5
|
1.25%
|
9.90%
|
|
|
|
|
|
|
BELOW UCO 5
|
1.75%
|
10.40%
|
|
|
|
|
|
|
(iii) Spread for Central Govt. PSU
|
|
Facility having maturity upto 1 year
|
|
|
Spread over 1 year MCLR
|
|
INTERNAL /EXTERNAL RATING
|
AAA
|
AA
|
A
|
BBB
|
BB
|
Below BB
|
Unrated
|
|
UCO1
|
0.50%
|
0.75%
|
1.25%
|
2.00%
|
3.00%
|
3.25%
|
2.90%
|
|
UCO2
|
0.75%
|
1.00%
|
1.50%
|
2.25%
|
3.25%
|
3.50%
|
3.15%
|
|
UCO3
|
1.25%
|
1.50%
|
2.00%
|
2.75%
|
3.75%
|
4.00%
|
3.40%
|
|
UCO4
|
2.00%
|
2.25%
|
2.75%
|
3.50%
|
4.50%
|
4.75%
|
3.90%
|
|
UCO5
|
2.75%
|
3.00%
|
3.50%
|
4.25%
|
5.25%
|
5.50%
|
4.40%
|
|
UCO6 & UCO7
|
3.50%
|
3.75%
|
4.25%
|
5.00%
|
6.25%
|
6.50%
|
5.40%
|
|
Facility having maturity above 1 years and upto 7 years
|
|
INTERNAL /EXTERNAL RATING
|
AAA
|
AA
|
A
|
BBB
|
BB
|
Below BB
|
Unrated
|
|
UCO1
|
0.70%
|
0.95%
|
1.45%
|
2.20%
|
3.20%
|
3.45%
|
3.10%
|
|
UCO2
|
0.95%
|
1.20%
|
1.70%
|
2.45%
|
3.45%
|
3.70%
|
3.35%
|
|
UCO3
|
1.45%
|
1.70%
|
2.20%
|
2.95%
|
3.95%
|
4.20%
|
3.60%
|
|
UCO4
|
2.20%
|
2.45%
|
2.95%
|
3.70%
|
4.70%
|
4.95%
|
4.10%
|
|
UCO5
|
2.95%
|
3.20%
|
3.70%
|
4.45%
|
5.45%
|
5.70%
|
4.60%
|
|
UCO6 & UCO7
|
3.70%
|
3.95%
|
4.45%
|
5.20%
|
6.45%
|
6.70%
|
5.60%
|
|
Facility having maturity above 7 years
|
|
INTERNAL /EXTERNAL RATING
|
AAA
|
AA
|
A
|
BBB
|
BB
|
Below BB
|
Unrated
|
|
UCO1
|
1.00%
|
1.25%
|
1.75%
|
2.50%
|
3.50%
|
3.75%
|
3.40%
|
|
UCO2
|
1.25%
|
1.50%
|
2.00%
|
2.75%
|
3.75%
|
4.00%
|
3.65%
|
|
UCO3
|
1.75%
|
2.00%
|
2.50%
|
3.25%
|
4.25%
|
4.50%
|
3.90%
|
|
UCO4
|
2.50%
|
2.75%
|
3.25%
|
4.00%
|
5.00%
|
5.25%
|
4.40%
|
|
UCO5
|
3.25%
|
3.50%
|
4.00%
|
4.75%
|
5.75%
|
6.00%
|
4.90%
|
|
UCO6 & UCO7
|
4.00%
|
4.25%
|
4.75%
|
5.50%
|
6.75%
|
7.00%
|
5.90%
|
|
* Unrated means account eligible for External rating or otherwise
|