|
Annexure-I
|
| Interest Rate structure applicable to different products / categories of Loans and Advances Linked to UCO Float : |
| |
|
w.e.f. 27.05.2020
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UCO Float
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6.90%
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Particulars
|
Credit Risk Premium
|
Effective Rate( Considering UCO Float)
|
| Effective rate mentioned in this circular with reference to UCO Float prevailing on the date of circular. |
|
1
|
Advances to Micro & Small Enterprises (MSE) |
|
|
| a) Total Funded Exposure up to Rs.25 lacs |
1.55%
|
8.45%
|
| b) Total Funded Exposure more than to Rs.25 lacs and up to Rs.1.00 crore |
2.55%
|
9.45%
|
| c) Total Funded Exposure more than Rs.1.00 crore |
As per Credit rating as under:
|
|
Internal Credit Rating
|
|
UCO 1
|
2.30%
|
9.20%
|
|
UCO 2
|
2.55%
|
9.45%
|
|
UCO 3
|
2.55%
|
9.45%
|
|
UCO 4
|
3.05%
|
9.95%
|
|
Below UCO 4
|
3.55%
|
10.45%
|
| Note: |
|
|
| (1) No internal rating is required upto Rs.1.00 crore. |
| (2) CGTMSE Cover is mandatory for loans & advances upto Rs.2.00 crore. |
| Advances to Medium Enterprises |
Effective From 01.04.20 with reference to arcular no. CHO/RM/S4/2019-20 OT 31.03.20
|
| a) Total Funded Exposure upto 1 crore |
3.30%
|
10.20%
|
| b) Total Funded Exposure more than 1 crore |
As per Credit rating as under:
|
|
Internal Credit Rating
|
|
UCO 1
|
3.05%
|
9.95%
|
|
UCO 2
|
3.30%
|
10.20%
|
|
UCO 3
|
3.30%
|
10.20%
|
|
UCO 4
|
3.80%
|
10.70%
|
|
Below UCO 4
|
4.30%
|
11.20%
|
| |
| (4) Above interest rates are not applicable for Loans to Retail Trade Sector / Loan under UCO Trader Scheme. |
| UCO Vyapar Smariddhi |
| Funded exposure upto Rs 10 lakh |
0.55%
|
7.45%
|
| Funded exposure above Rs 10 lakh and upto Rs 25 lakh |
1.55%
|
8.45%
|
| Funded exposure above Rs 25 lakh and upto Rs 100 lakh |
2.55%
|
9.45%
|
| Mukhya Mantri Swalamban Yojana |
|
|
| a) upto Rs 10 lacs |
0.55%
|
7.45%
|
| b) Above Rs 10 lacs and upto Rs 40 lacs |
1.55%
|
8.45%
|
| UCO Roop Sangam |
0.55%
|
7.45%
|
| PMEGP |
1.55%
|
8.45%
|
| UCO BUNKAR RIN YOJANA |
|
|
| For Rs 50000/- |
0.40%
|
7.30%
|
| Above Rs 50000/- & upto rs 3.00 lakhs |
1.40%
|
8.30%
|
| Above Rs 3.00 lakhs and upto Rs 5.00 lakhs |
1.90%
|
8.80%
|
| Prime Minister's Mudra Yojana (PMMY) |
0.55%
|
7.45%
|
| TwoWheeler under Mudra Scheme |
0.55%
|
7.45%
|
| UCO PM CREDIT SCHEME FOR POWERLOOM WEAVERS UNDER MUDRA(upto 10 Lakh) |
| (a) Cah Credit |
0.55%
|
7.45%
|
| (b) Term Loan |
|
0.55%
|
7.45%
|
| UCO PM CREDIT SCHEME FOR POWERLOOM WEAVERS UNDER STANDUP INDIA(Above 10 Lakh upto 25 lakhs) |
| (a) Cah Credit |
1.55%
|
8.45%
|
| (b) Term Loan |
|
1.55%
|
8.45%
|
| UCO PM CREDIT SCHEME FOR POWERLOOM WEAVERS UNDER STANDUP INDIA(Above 25 Lakh upto 1 Crore) |
| (a) Cah Credit |
2.55%
|
9.45%
|
| |
(b) Term Loan |
2.55%
|
9.45%
|
| |
TL Mudra E-Rickshaw |
0.55%
|
7.45%
|
|
2
|
UCO Estate Purchase loan Scheme |
| Rate Of Interest applicable to “Advances to Micro and Small Enterprises(MSE) shall be applicable. |
|
3
|
UCO Udyod bandhu Scheme |
| Total Funded Exposure:- |
Credit Risk Premium
|
Effective Rate( Considering UCO Float)
|
| (a) Upto Rs 10.00 Lac |
0.55%
|
7.45%
|
| (b) Above Rs 10.00 Lac and upto Rs 1.00 Crore |
1.55%
|
8.45%
|
| (c) Above Rs 1.00 Crore |
As per Credit Rating as under:
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|
Internal Credit Rating
|
spread over UCO FLOAT
|
Effective rate
|
|
General
|
Women Entrepreneurs
|
|
UCO 1
|
2.30%
|
9.20%
|
8.70%
|
|
UCO 2 & UCO 3
|
2.55%
|
9.45%
|
8.95%
|
|
UCO 4
|
3.05%
|
9.95%
|
9.45%
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|
Below UCO 4
|
3.55%
|
10.45%
|
9.95%
|
| * Please note that for women Entrepreneurs the applicable rate of interest is 0.50% less than effective rate of interest applicable to general category |
|
4
|
UCO Mahila Utthan Scheme |
Credit Risk Premium
|
Effective Rate( Considering UCO Float)
|
| Cash credit Facility |
0.55%
|
7.45%
|
|
5
|
Retail Trade Advances other than “UCO Trader Scheme” |
| (a) Upto Rs 25 lac |
1.55%
|
8.45%
|
| (b) Above Rs 25 lacs upto Rs 2 Crore |
2.55%
|
9.45%
|
| (c) Above Rs 2 Crore |
As per credit rating as under:
|
| i. UCO1 |
2.80%
|
9.70%
|
| ii. UCO2/UCO3 |
3.05%
|
9.95%
|
| iii. UCO4 |
3.55%
|
10.45%
|
| iv. Below UCO4 |
4.05%
|
10.95%
|
| 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 |
| (a) Cah Credit |
1.55%
|
8.45%
|
| (b) Term Loan |
1.55%
|
8.45%
|
|
7
|
SWAROJGAR CREDIT CARD |
| Cash Credit |
1.55%
|
8.45%
|
|
8
|
Advances under UCO General Credit Card Scheme (UGCC) |
0.55%
|
7.45%
|
|
9
|
UCO Commercial Vehicle Finance Scheme |
| For Loans - |
Credit Risk Premium |
Effective Rate(Considering UCO Float) |
| (a) Upto Rs.25 lacs |
1.55%
|
8.45%
|
| (b) Above Rs.25 lacs and up to Rs.1.00 cr |
2.55%
|
9.45%
|
|
10
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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%
|
9.30%
|
| More than Rs.7.50 lacs |
2.80%
|
9.70%
|
| Vocational Education Loan Scheme |
3.05%
|
9.95%
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| UCO Skill Loan Scheme |
1.90%
|
8.80%
|
| Students satisfying DRI norms - Any Amount |
|
4.00%
|
| Students satisfying 60% handicapped criteria - Any Amount |
|
4.00%
|
| UCO premium Education Loan Scheme |
1.55%
|
8.45%
|
| UCO Aspire 0.50% rebate can be allowed to Girl Student and children Of staff. |
2.40%
|
9.30%
|
| CM B.Ed Annapurna Yojana |
2.40%
|
9.30%
|
| UCO Super Premier Education Loan Scheme |
0.40%
|
7.30%
|
|
B
|
UCO Trader Scheme: |
| ROI to Loans and Advances under UCO Trader Scheme |
| Total Funded Exposure - |
| (a) Upto Rs.1.00 Crore |
1.55%
|
8.45%
|
| (b) Above Rs.1.00 Crore upto rs 5 Crore |
As per Credit rating as under:
|
|
Internal Credit Rating
|
|
UCO 1
|
2.55%
|
9.45%
|
|
UCO 2/ UCO 3
|
2.80%
|
9.70%
|
|
UCO 4
|
3.05%
|
9.95%
|
|
Below UCO 4
|
3.35%
|
10.25%
|
|
C
|
UCO Doctor Scheme |
| For Loans - |
|
|
| (a) Upto Rs.25 lacs |
1.55%
|
8.45%
|
| (b) Above Rs.25 lacs and up to Rs.1.00 cr |
2.55%
|
9.45%
|
| (c) Above Rs.1.00 crore |
As per Credit rating as under:
|
|
Internal Credit Rating
|
|
UCO 1
|
2.30%
|
9.20%
|
|
UCO 2
|
2.55%
|
9.45%
|
|
UCO 3
|
2.55%
|
9.45%
|
|
UCO 4
|
3.05%
|
9.95%
|
|
Below UCO 4
|
3.55%
|
10.45%
|
| Note: CGTMSE Cover is compulsory for loans upto Rs.2.00 crore. |
|
D
|
Retail and other Schemes |
|
(i)
|
UCO Cash |
| a) UCO Cash -for Men |
3.40%
|
10.30%
|
| b) UCO Cash - for Women |
3.15%
|
10.05%
|
|
(ii)
|
UCO Pensioner |
| General Public |
3.55%
|
10.45%
|
| UCO Bank Staff Pensioners |
2.55%
|
9.45%
|
|
(iii)
|
UCO Securities |
3.65%
|
10.55%
|
|
(iv)
|
UCO 2-Wheeler |
| (a) General Category |
4.80%
|
11.70%
|
| (b) Full Liquid Collateral |
3.80%
|
10.70%
|
| (c) 50% Liquid Collateral |
4.30%
|
11.20%
|
|
(v)
|
HOME LOAN |
| For Home Loan (Borrowers with Cibil Score or Equivalent >750) |
0.25%
|
7.15%
|
| For Home Loan (Borrowers with Cibil Score or Equivalent <=750) |
0.35%
|
7.25%
|
| |
|
|
| PMAY-EWS |
| For Home Loan (Borrowers with Cibil Score or Equivalent >750) |
0.25%
|
7.15%
|
| For Home Loan (Borrowers with Cibil Score or Equivalent <=750) |
0.35%
|
7.25%
|
| PMAY-MIG |
| For Home Loan (Borrowers with Cibil Score or Equivalent >750) |
0.25%
|
7.15%
|
| For Home Loan (Borrowers with Cibil Score or Equivalent <=750) |
0.35%
|
7.25%
|
| NRI HOME LOAN |
| For Home Loan (Borrowers with Cibil Score or Equivalent >750) |
0.25%
|
7.15%
|
| For Home Loan (Borrowers with Cibil Score or Equivalent <=750) |
0.35%
|
7.25%
|
| TAKEOVER HOME LOAN |
| For Home Loan (Borrowers with Cibil Score or Equivalent >750) |
0.25%
|
7.15%
|
| For Home Loan (Borrowers with Cibil Score or Equivalent <=750) |
0.35%
|
7.25%
|
| INTEREST CAPITALISATION |
| For Home Loan (Borrowers with Cibil Score or Equivalent >750) |
0.25%
|
7.15%
|
| For Home Loan (Borrowers with Cibil Score or Equivalent <=750) |
0.35%
|
7.25%
|
| UCO TOP UP HOME LOAN |
1.80%
|
8.70%
|
| UCO CORPORATE HOME LOAN -CORPORATES |
2.55%
|
9.45%
|
| UCO CORPORATE HOME LOAN-OTHERS |
3.55%
|
10.45%
|
|
(vi)
|
UCO Car |
| For purchase of new Car having repayment period upto 7 years |
0.80%
|
7.70%
|
| For purchase of Pre-used Car -Purchased from Certified Car Dealer |
1.90%
|
8.80%
|
| For purchase of Pre-used Car - all Others |
2.40%
|
9.30%
|
| UCO Car Loan Combo Scheme |
0.55%
|
7.45%
|
| |
|
(vii)
|
UCO Gold Loan Scheme |
| Priority Sector |
| (c) Gold Loans (PS) for Retail Assets Products |
0.60%
|
7.50%
|
| Non Priority Sector |
| (d) Gold Loans (NPS) for Retail Assets Products |
3.55%
|
10.45%
|
|
(viii)
|
Other Schemes |
| (i) UCO Swabhiman |
3.05%
|
9.95%
|
| (ii) UCO Rent |
| (a) Owner of our Bank's Branch |
1.55%
|
8.45%
|
| (a) To Owner of our Bank’s Branch Premises or where tenant is PSUs, Reputed Corporates, FI, Insurance Companies and MNCs |
1.70%
|
8.60%
|
| (b) For others - repyamenrt upto 36 Months |
2.40%
|
9.30%
|
| (c) For others - repyamenrt above 36 Months |
2.65%
|
9.55%
|
| (d) Commercial Real Estate |
2.90%
|
9.80%
|
| (iii) UCO Earnest Money |
1.70%
|
8.60%
|
| (iv) Commercial Real Estate |
Separetely given below
|
| (v) UCO Real Estate |
6.45%
|
13.35%
|
| (vi) UCO Shopper-salary Tie up/ 100% Liquid security |
1.55%
|
8.45%
|
| UCO Shopper- other cases |
2.55%
|
9.45%
|
| (vii) UCO Property- Priority Sector |
2.55%
|
9.45%
|
| UCO Property- Non Priority Sector |
3.55%
|
10.45%
|
| (viii) UCO CA |
2.55%
|
9.45%
|
|
Note- The Loans under Micro and Small FnterpHses would only be inked to Rcpo linked UCO FLOAT Rate. The loans to be classified as advances to Micro and Small Enterprises would be guided by the latest MSME Policy 2019 dated 02.08.2019 based on the quantum of investmentby the unit. Loans under Medium Enterprises also linked to LCD Float Rate w.e.f 01.04.20
|
| N. NBFC |
| (i) Spread over 1 year MCLR for NBFCs(AFC/IFC/HFC) |
|
Facility having maturity upto 1 year
|
|
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 |