Repo Linked Rate
RLLR (6.00% + 2.80%) = |
8.80% |
0.25% |
|||||||
Interest Rate structure applicable to different products / categories of Loans and Advances Linked to UCO Float : |
|||||||||
|
|
w.e.f: 10.04.2025 |
|
||||||
|
|
|
|||||||
UCO Float (6.00+2.80)% |
8.80% |
|
|||||||
Particulars |
|
|
|||||||
Effective rate mentioned in this circular with reference to UCO Float prevailing on the date of circular. |
|||||||||
1 |
Advances to MSME |
Spread |
Effective rate |
||||||
|
a) Total Funded Exposure up to Rs.50,000 |
0.75% |
9.55% |
||||||
|
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh |
1.25% |
10.05% |
||||||
|
c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00 Cr |
1.75% |
10.55% |
||||||
|
d) Total Funded Exposure more than Rs.1.00 crore |
As per Credit rating as under: |
|||||||
|
Internal Credit Rating |
Above 1 Cr to 10 Cr |
Above 10 Cr |
||||||
|
Spread |
Effective rate |
Spread |
Effective rate |
|||||
|
UCO 1 |
1.40% |
10.20% |
1.35% |
10.15% |
|
|||
|
UCO 2/UCO 3 |
1.70% |
10.50% |
1.65% |
10.45% |
|
|||
|
UCO 4/UCO 5 |
1.75% |
10.55% |
1.70% |
10.50% |
|
|||
|
UCO 6 |
2.20% |
11.00% |
2.15% |
10.95% |
|
|||
|
UCO 7 |
2.75% |
11.55% |
2.65% |
11.45% |
|
|||
|
UCO 8 to UCO 10 |
2.75% |
11.55% |
3.65% |
12.45% |
|
|||
2 |
Advances to Commercial Real Estate (CRE) that fall under MSME |
||||||||
|
i) Advances to CRE - Residential projects |
Spread |
Effective rate |
||||||
|
a) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh |
0.75% |
9.55% |
||||||
|
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh |
1.25% |
10.05% |
||||||
|
c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00 Cr |
1.75% |
10.55% |
||||||
|
c) Total Funded Exposure more than Rs.1.00 crore |
As per Credit rating as under: |
|||||||
|
|
|
Above 1 Cr to 10 Cr |
Above 10 Cr |
|||||
|
Internal Credit Rating |
Spread |
Effective rate |
Spread |
Effective rate |
||||
|
UCO 1 |
1.40% |
10.20% |
1.35% |
10.15% |
|
|||
|
UCO 2/UCO 3 |
1.70% |
10.50% |
1.65% |
10.45% |
|
|||
|
UCO 4/UCO 5 |
1.75% |
10.55% |
1.70% |
10.50% |
|
|||
|
UCO 6 |
2.20% |
11.00% |
2.15% |
10.95% |
|
|||
|
UCO 7 |
2.75% |
11.55% |
2.65% |
11.50% |
|
|||
|
UCO 8 to UCO 10 |
3.75% |
12.55% |
3.65% |
12.45% |
|
|||
|
ii) Advances to CRE - Others |
Spread |
Effective rate |
||||||
|
a) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh |
1.50% |
10.55% |
||||||
|
b) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00 Cr |
2.00% |
11.05% |
||||||
|
c) Total Funded Exposure more than Rs.1.00 crore |
As per Credit rating as under: |
|||||||
|
|
|
Above 1 Cr to 10 Cr |
Above 10 Cr |
|||||
|
Internal Credit Rating |
Spread |
Effective rate |
Spread |
Effective rate |
||||
|
UCO 1 |
1.65% |
10.45% |
1.60% |
10.40% |
|
|||
|
UCO 2/UCO 3 |
1.95% |
10.75% |
1.90% |
10.70% |
|
|||
|
UCO 4/UCO 5 |
2.00% |
10.80% |
1.95% |
10.75% |
|
|||
|
UCO 6 |
2.45% |
11.25% |
2.40% |
11.20% |
|
|||
|
UCO 7 |
3.00% |
11.80% |
2.90% |
11.70% |
|
|||
|
UCO 8 to UCO 10 |
4.00% |
12.80% |
3.90% |
12.70% |
|
|||
3 |
Advances for Export Credit to MSME linked to UCO Float |
|
|
|
|
|
|||
|
Pre Shipment |
Spread |
Effective rate |
||||||
|
Upto 270 days |
0.40% |
9.20% |
||||||
|
Beyond 270 days and upto 360 days |
0.55% |
9.35% |
||||||
|
Against incentive receivable from GOI up to 90 days |
0.35% |
9.15% |
||||||
|
Post Shipment |
|
|
||||||
|
On Demand Bills for transit period |
0.35% |
9.15% |
||||||
|
Usance Bills upto notional due date whichever is earlier |
|
|
||||||
|
Upto 180 days |
0.35% |
9.15% |
||||||
|
More than 180 days to 365 days |
0.55% |
9.20% |
||||||
|
Against Govt. incentive Receivable from GOI upto 90 days |
0.35% |
9.40% |
||||||
|
Against undrawn balance upto 90 days |
0.35% |
9.15% |
||||||
|
Against retention money payable within 01 year for DOS ( for supplies upto 90 days) |
0.40% |
9.20% |
||||||
|
Export not otherwise specified (ECNOS) |
|
|
|
|||||
|
Pre-shipment |
5.25% |
14.30% |
||||||
|
Post-shipment |
5.25% |
14.30% |
||||||
4 |
UCO Vyapar Samridhi |
||||||||
|
a) Total Funded Exposure up to Rs.50,000 |
0.80% |
9.60% |
||||||
|
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh |
1.35% |
10.15% |
||||||
|
c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00 Cr |
1.80% |
10.60% |
||||||
5 |
Mukhya Mantri Swavlamban Yojana |
|
|
||||||
|
a) Total Funded Exposure up to Rs.50,000 |
0.80% |
9.60% |
||||||
|
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh |
1.35% |
10.15% |
||||||
|
b) Above Rs 10 lacs and upto Rs 40 lacs |
1.80% |
10.60% |
||||||
6 |
UCO Roop Sangam |
|
|
||||||
|
a) Total Funded Exposure up to Rs.50,000 |
0.80% |
9.60% |
||||||
|
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh |
1.35% |
10.15% |
||||||
7 |
PMEGP |
|
|
||||||
|
a) Total Funded Exposure up to Rs.50,000 |
0.80% |
9.60% |
||||||
|
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh |
1.35% |
10.15% |
||||||
|
b) Above Rs 10 lacs |
0.95% |
10.75% |
||||||
8 |
PMSVANidhi |
|
|
||||||
|
Total Exposure up to Rs 50,000 |
1.85% |
10.65% |
||||||
9 |
UCO MSME GOLD Loan Scheme |
|
|
|
|
|
|||
|
(a) Margin offered 25% |
|
-0.05% |
8.75% |
|||||
|
(b) Margin Offered 30% |
|
-0.25% |
8.55% |
|||||
10 |
UCO BUNKAR RIN YOJANA |
|
|
||||||
|
For Rs 50,000 |
0.40% |
9.20% |
||||||
|
Above Rs 50,000 & upto Rs 5.00 Lakh |
1.35% |
10.15% |
||||||
11 |
Prime Minister's Mudra Yojana (PMMY) including Two wheeler & E - Rickshaw Under MUDRA |
|
|
||||||
|
For Rs 50,000 |
0.80% |
9.60% |
||||||
|
Above Rs 50,000 & upto Rs 10.00 Lakh |
1.35% |
10.15% |
||||||
12 |
UCO PM CREDIT SCHEME FOR POWERLOOM WEAVERS UNDER MUDRA(upto 10 Lakh) |
||||||||
|
For Rs 50,000 |
0.80% |
9.60% |
||||||
|
Above Rs 50,000 & upto Rs 10.00 Lakh |
1.35% |
10.15% |
||||||
13 |
UCO PM CREDIT SCHEME FOR POWERLOOM WEAVERS UNDER STANDUP INDIA |
||||||||
|
Above 10 Lakh upto 1 Crore |
1.80% |
10.60% |
||||||
14 |
ARTISAN CREDIT CARD |
||||||||
For Rs 50,000 |
0.80% |
9.60% |
|||||||
Above Rs 50,000 |
1.35% |
10.15% |
|||||||
15 |
SWAROJGAR CREDIT CARD |
||||||||
For Rs 50,000 |
0.80% |
9.60% |
|||||||
Above Rs 50,000 |
1.35% |
10.15% |
|||||||
16 |
Advances under UCO General Credit Card Scheme (UGCC) |
||||||||
For Rs 50,000 |
0.80% |
9.60% |
|||||||
Above Rs 50,000 |
1.35% |
10.15% |
|||||||
17 |
UCO Trader Scheme: |
||||||||
a) Total Funded Exposure up to Rs.50,000 |
0.80% |
9.60% |
|||||||
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh |
1.35% |
10.15% |
|||||||
c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00 Cr |
1.80% |
10.60% |
|||||||
d) Total Funded Exposure more than 1 cr |
As per Credit rating as under: |
||||||||
Internal Credit Rating |
|||||||||
UCO 1 |
1.55% |
10.35% |
|||||||
UCO 2/ UCO 3 |
1.80% |
10.60% |
|||||||
UCO 4/UCO 5 |
1.80% |
10.60% |
|||||||
UCO 6 |
2.30% |
11.10% |
|||||||
Below UCO 6 |
2.80% |
11.60% |
|||||||
18 |
UCO Udyog Bandhu Scheme: |
||||||||
|
a) Total Funded Exposure up to Rs.50,000 |
0.80% |
9.60% |
||||||
|
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh |
1.35% |
10.15% |
||||||
|
c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00 Cr |
1.80% |
10.60% |
||||||
|
d) Total Funded Exposure more than 1 cr |
As per Credit rating as under: |
|||||||
|
Internal Credit Rating |
||||||||
|
UCO 1 |
1.55% |
10.35% |
||||||
|
UCO 2/ UCO 3 |
1.80% |
10.60% |
||||||
|
UCO 4/UCO 5 |
1.80% |
10.60% |
||||||
|
UCO 6 |
2.30% |
11.10% |
||||||
|
Below UCO 6 |
2.80% |
11.60% |
||||||
|
Applicable ROI for women will be 0.25% less than that of general category. |
||||||||
19 |
UCO Doctor Scheme |
||||||||
a) Total Funded Exposure up to Rs.50,000 |
0.80% |
9.60% |
|||||||
b) Total Funded Exposure More than Rs 50,000 upto Rs 10 Lakh |
1.35% |
10.15% |
|||||||
c) Total Funded Exposure more than to Rs.10 lacs and up to Rs.1.00 Cr |
1.80% |
10.60% |
|||||||
d) Total Funded Exposure more than 1 cr |
As per Credit rating as under: |
||||||||
Internal Credit Rating |
|||||||||
UCO 1 |
1.55% |
10.35% |
|||||||
UCO 2/ UCO 3 |
1.80% |
10.60% |
|||||||
UCO 4/UCO 5 |
1.80% |
10.60% |
|||||||
UCO 6 |
2.30% |
11.10% |
|||||||
Below UCO 6 |
2.80% |
11.60% |
|||||||
|
|||||||||
20 |
UCO Sanjeevani |
1.50% |
10.60% |
||||||
21 |
UCO Aarogyam |
2.75% |
11.55% |
||||||
22 |
UCO GST MITRA |
1.80% |
10.60% |
||||||
23 |
UCO START UP SCHEME: |
|
|
|
|
|
|
|
|
For credit facility above ₹10 Lakhs and up to ₹100 Lakhs, Rate of Interest (RoI) will be linked to Commercial CIBIL MSME Rank (CMR) of the Borrower. |
|||||||||
RoI Structure |
|||||||||
Commercial CIBIL MSME Rank (CMR) |
Rate of Interest (RoI) |
Rate of Interest (RoI) |
|
||||||
(For Firm/Company) |
|
Spread |
Effective rate |
|
|||||
CMR-1 |
UCO Float Rate + Spread |
0.85% |
9.65% |
|
|||||
CMR-2 |
UCO Float Rate + Spread |
1.15% |
10.95% |
|
|||||
CMR-3 |
UCO Float Rate + Spread |
1.45% |
10.25% |
|
|||||
CMR-4 |
UCO Float Rate + Spread |
1.75% |
10.55% |
|
|||||
CMR-5 |
UCO Float Rate + Spread |
2.05% |
11.85% |
|
|||||
CMR-6 |
UCO Float Rate + Spread |
2.35% |
11.15% |
|
|||||
For credit facility above ₹100 Lakhs, Rate of Interest (RoI) will be linked to Commercial CIBIL MSME Rank (CMR) of the Borrower which is interlinked with Internal Credit Rating. |
|||||||||
RoI Structure |
|||||||||
Internal Credit Rating |
Commercial CIBIL MSME Rank (CMR) |
Rate of Interest (RoI) |
Spread |
Effective rate |
|
||||
UCO 1 |
CMR-1 |
UCO Float Rate + Spread |
0.85% |
9.65% |
|
||||
CMR-2 |
UCO Float Rate + Spread |
0.90% |
9.70% |
|
|||||
CMR-3 |
UCO Float Rate + Spread |
0.95% |
9.75% |
|
|||||
CMR-4 |
UCO Float Rate + Spread |
1.00% |
9.80% |
|
|||||
CMR-5 |
UCO Float Rate + Spread |
1.05% |
9.85% |
|
|||||
CMR-6 |
UCO Float Rate + Spread |
1.10% |
9.90% |
|
|||||
UCO 2/UCO 3 |
CMR-1 |
UCO Float Rate + Spread |
1.15% |
9.95% |
|
||||
CMR-2 |
UCO Float Rate + Spread |
1.20% |
10.00% |
|
|||||
CMR-3 |
UCO Float Rate + Spread |
1.25% |
10.05% |
|
|||||
CMR-4 |
UCO Float Rate + Spread |
1.30% |
10.10% |
|
|||||
CMR-5 |
UCO Float Rate + Spread |
1.35% |
10.15% |
|
|||||
CMR-6 |
UCO Float Rate + Spread |
1.40% |
10.20% |
|
|||||
UCO 4/UCO 5 |
CMR-1 |
UCO Float Rate + Spread |
1.45% |
10.25% |
|
||||
CMR-2 |
UCO Float Rate + Spread |
1.50% |
10.30% |
|
|||||
CMR-3 |
UCO Float Rate + Spread |
1.65% |
10.35% |
|
|||||
CMR-4 |
UCO Float Rate + Spread |
1.70% |
10.40% |
|
|||||
CMR-5 |
UCO Float Rate + Spread |
1.75% |
10.45% |
|
|||||
CMR-6 |
UCO Float Rate + Spread |
1.80% |
10.50% |
|
|||||
UCO 6 |
CMR-1 |
UCO Float Rate + Spread |
1.85% |
10.55% |
|
||||
CMR-2 |
UCO Float Rate + Spread |
1.95% |
10.60% |
|
|||||
CMR-3 |
UCO Float Rate + Spread |
2.00% |
10.65% |
|
|||||
CMR-4 |
UCO Float Rate + Spread |
2.05% |
10.70% |
|
|||||
CMR-5 |
UCO Float Rate + Spread |
2.10% |
10.75% |
|
|||||
CMR-6 |
UCO Float Rate + Spread |
2.15% |
10.80% |
|
|||||
UCO 7 |
CMR-1 |
UCO Float Rate + Spread |
2.20% |
10.85% |
|
||||
CMR-2 |
UCO Float Rate + Spread |
2.25% |
10.90% |
|
|||||
CMR-3 |
UCO Float Rate + Spread |
2.30% |
10.95% |
|
|||||
CMR-4 |
UCO Float Rate + Spread |
2.35% |
11.00% |
|
|||||
CMR-5 |
UCO Float Rate + Spread |
2.40% |
11.05% |
|
|||||
CMR-6 |
UCO Float Rate + Spread |
2.45% |
11.10% |
|
|||||
24 |
UCO VAHAN SCHEME |
|
|
|
|
|
|
|
|
For credit facility up to ₹100 Lakhs, Rate of Interest (RoI) will be linked to Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) of the Borrower. |
|||||||||
RoI Matrix |
|||||||||
For Loans up to ₹100 Lakhs – Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL Score |
Commercial CIBIL MSME Rank (CMR) |
Rate of Interest (RoI) |
|
||||||
(For Individual) |
(For Firm/Company/Other than Individual) |
Spread |
Effective rate |
|
|||||
800 and above |
CMR-1 |
UCO Float Rate + 0.30% |
0.55% |
9.35% |
|
||||
750 and above but up to 799 |
CMR-2 |
UCO Float Rate + 0.60% |
0.85% |
9.65% |
|
||||
725 and above but up to 749 |
CMR-3 |
UCO Float Rate + 0.80% |
1.05% |
9.85% |
|
||||
700 and above but up to 724 |
CMR-4 |
UCO Float Rate + 1.00% |
1.25% |
10.05% |
|
||||
675 and above but up to 699 |
CMR-5 |
UCO Float Rate + 1.30% |
1.55% |
10.35% |
|
||||
650 and above but up to 674 |
CMR-6 |
UCO Float Rate + 1.50% |
1.75% |
10.55% |
|
||||
For credit facility above ₹100 Lakhs, Rate of Interest (RoI) will be linked to Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) of the Borrower which is interlinked with Internal Credit Rating. |
|||||||||
RoI Matrix |
|||||||||
For Loans above ₹100 Lakhs – Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL Score |
Commercial CIBIL MSME Rank (CMR) |
Spread Over UCO Float - Based on Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||
(For Individual) |
(For Firm/ |
|
|||||||
|
Company/ |
|
|||||||
|
Other than Individual) |
UCO 1 |
UCO 2 |
UCO 3 |
UCO 4 |
UCO 5 |
|
||
800 and above |
CMR-1 |
0.55% |
0.85% |
1.15% |
1.55% |
1.90% |
|
||
750 and above but up to 799 |
CMR-2 |
0.60% |
0.90% |
1.20% |
1.65% |
1.95% |
|
||
725 and above but up to 749 |
CMR-3 |
0.65% |
0.95% |
1.35% |
1.70% |
2.00% |
|
||
700 and above but up to 724 |
CMR-4 |
0.70% |
1.00% |
1.40% |
1.75% |
2.05% |
|
||
675 and above but up to 699 |
CMR-5 |
0.75% |
1.05% |
1.45% |
1.80% |
2.10% |
|
||
650 and above but up to 674 |
CMR-6 |
0.80% |
1.10% |
1.50% |
1.85% |
2.15% |
|
||
For Loans above ₹100 Lakhs – Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL Score |
Commercial CIBIL MSME Rank (CMR) |
ROI - Based on Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||
(For Individual) |
(For Firm/ |
|
|||||||
|
Company/ |
|
|||||||
|
Other than Individual) |
UCO 1 |
UCO 2 |
UCO 3 |
UCO 4 |
UCO 5 |
|
||
800 and above |
CMR-1 |
9.55% |
9.65% |
9.95% |
10.35% |
10.30% |
|
||
750 and above but up to 799 |
CMR-2 |
9.40% |
9.70% |
10.00% |
10.45% |
10.75% |
|
||
725 and above but up to 749 |
CMR-3 |
9.45% |
9.75% |
10.15% |
10.50% |
10.80% |
|
||
700 and above but up to 724 |
CMR-4 |
9.50% |
9.80% |
10.20% |
10.55% |
10.85% |
|
||
675 and above but up to 699 |
CMR-5 |
9.55% |
9.85% |
10.25% |
10.60% |
10.90% |
|
||
650 and above but up to 674 |
CMR-6 |
9.60% |
9.90% |
10.30% |
10.65% |
10.95% |
|
||
25 |
UCO e-VAHAN scheme |
|
|
|
|
|
|
|
|
Rate of Interest (RoI) |
|||||||||
For credit facility up to ₹100 Lakhs, Rate of Interest (RoI) will be linked to Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) of the Borrower. |
|||||||||
RoI Matrix |
|||||||||
For Loans up to ₹100 Lakhs – Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL Score |
Commercial CIBIL MSME Rank (CMR) |
Spread |
|
||||||
(For Individual) |
(For Firm/Company/Other than Individual) |
Rate of Interest |
|
||||||
800 and above |
CMR-1 |
0.45% |
9.25% |
|
|||||
750 and above |
CMR-2 |
0.75% |
9.55% |
|
|||||
but up to 799 |
|
||||||||
725 and above |
CMR-3 |
0.95% |
9.75% |
|
|||||
but up to 749 |
|
||||||||
700 and above |
CMR-4 |
1.15% |
9.95% |
|
|||||
but up to 724 |
|
||||||||
675 and above |
CMR-5 |
1.45% |
10.25% |
|
|||||
but up to 699 |
|
||||||||
650 and above |
CMR-6 |
1.65% |
10.45% |
|
|||||
but up to 674 |
|
||||||||
For credit facility above ₹100 Lakhs, Rate of Interest (RoI) will be linked to Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) of the Borrower which is interlinked with Internal Credit Rating. |
|||||||||
RoI Matrix |
|||||||||
For Loans above ₹100 Lakhs – Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL Score |
Commercial CIBIL MSME Rank (CMR) |
Spread Over UCO Float - Based on Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||
(For Individual) |
(For Firm/ |
|
|||||||
|
Company/ |
|
|||||||
|
Other than Individual) |
UCO 1 |
UCO 2 |
UCO 3 |
UCO 4 |
UCO 5 |
|
||
800 and above |
CMR-1 |
0.45% |
0.75% |
1.05% |
1.45% |
1.80% |
|
||
750 and above but up to 799 |
CMR-2 |
0.50% |
0.80% |
1.10% |
1.55% |
1.85% |
|
||
725 and above but up to 749 |
CMR-3 |
0.55% |
0.85% |
1.25% |
1.60% |
1.90% |
|
||
700 and above but up to 724 |
CMR-4 |
0.60% |
0.90% |
1.30% |
1.65% |
1.95% |
|
||
675 and above but up to 699 |
CMR-5 |
0.65% |
0.95% |
1.35% |
1.70% |
2.00% |
|
||
650 and above but up to 674 |
CMR-6 |
0.70% |
1.00% |
1.40% |
1.75% |
2.05% |
|
||
|
|||||||||
For Loans above ₹100 Lakhs – Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL Score |
Commercial CIBIL MSME Rank (CMR) |
ROI - Based on Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||
(For Individual) |
(For Firm/ |
|
|||||||
|
Company/ |
|
|||||||
|
Other than Individual) |
UCO 1 |
UCO 2 |
UCO 3 |
UCO 4 |
UCO 5 |
|
||
800 and above |
CMR-1 |
9.25% |
9.55% |
9.85% |
10.15% |
10.60% |
|
||
750 and above but up to 799 |
CMR-2 |
9.30% |
9.60% |
9.90% |
10.35% |
10.65% |
|
||
725 and above but up to 749 |
CMR-3 |
9.35% |
9.65% |
10.05% |
10.40% |
10.70% |
|
||
700 and above but up to 724 |
CMR-4 |
9.40% |
9.70% |
10.10% |
10.45% |
10.75% |
|
||
675 and above but up to 699 |
CMR-5 |
9.45% |
9.75% |
10.15% |
10.50% |
10.80% |
|
||
650 and above but up to 674 |
CMR-6 |
9.50% |
9.80% |
10.20% |
10.55% |
10.85% |
|||
26 |
PM VISHWAKARMA |
UFR |
Spread |
RoI |
|
|
|
|
|
|
8.80% |
3.75% |
13%* |
|
|||||
* Minimum RoI to be charged in the account will be 13% p.a and the spread to be accordingly adjusted subject to revision/ change in UCO Float rate.Kindly refer to circular no CHO/MSME/23/2023-24 dated 15.09.2023 and subsequent revisions/modifications issued by MSME department for further guidelines. |
|||||||||
27 |
UCO TEXTILE: |
||||||||
For Credit Facility upto Rs 100 lakhs, RoI will be linked to Consumer Cibil score/Commercial CIBIL MSME Rank (CMR) of the borrower. |
|
||||||||
|
|||||||||
Roi Matrix |
|
||||||||
For loans upto RS. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
Spread over UFR |
Rate of interest |
|
|||||
800 and above |
CMR 1 |
0.55% |
9.35% |
|
|||||
750 and above but upto 799 |
CMR 2 |
0.85% |
9.65% |
|
|||||
725 and above but upto 749 |
CMR 3 |
1.25% |
10.05% |
|
|||||
700 and above but upto 724 |
CMR 4 |
1.55% |
10.35% |
|
|||||
675 and above but upto 699 |
CMR 5 |
1.75% |
10.55% |
|
|||||
650 and above but upto 674 |
CMR 6 |
2.15% |
10.95% |
|
|||||
For Credit Facility above Rs 100 lakhs, RoI will be linked to Consumer Cibil score/Commercial CIBIL MSME Rank (CMR) of the borrower which is interlinked with internal credit rating. |
|
||||||||
|
|||||||||
For loans above Rs. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
Spread over UCO Float-based on Consumer cibil/commercial cibil MSME Rank (CMR) |
|
||||||
|
|
UCO 1 |
UCO 2 & UCO 3 |
UCO 4 & UCO 5 |
UCO 6 |
UCO 7 |
|
||
800 and above |
CMR 1 |
0.55% |
0.85% |
1.15% |
1.55% |
1.90% |
|
||
750 and above but upto 799 |
CMR 2 |
0.60% |
0.90% |
1.20% |
1.65% |
1.95% |
|
||
725 and above but upto 749 |
CMR 3 |
0.65% |
0.95% |
1.35% |
1.70% |
2.00% |
|
||
700 and above but upto 724 |
CMR 4 |
0.70% |
1.00% |
1.40% |
1.75% |
2.05% |
|
||
675 and above but upto 699 |
CMR 5 |
0.75% |
1.05% |
1.45% |
1.80% |
2.10% |
|
||
650 and above but upto 674 |
CMR 6 |
0.80% |
1.10% |
1.50% |
1.85% |
2.15% |
|
||
|
|
||||||||
For loans above Rs. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
ROI-based on Consumer cibil/commercial cibil MSME Rank (CMR) |
|
||||||
|
|
UCO 1 |
UCO 2 & UCO 3 |
UCO 4 & UCO 5 |
UCO 6 |
UCO 7 |
|
||
800 and above |
CMR 1 |
9.35% |
9.65% |
9.95% |
10.35% |
10.70% |
|
||
750 and above but upto 799 |
CMR 2 |
9.40% |
9.70% |
10.00% |
10.45% |
10.75% |
|
||
725 and above but upto 749 |
CMR 3 |
9.45% |
9.75% |
10.15% |
10.50% |
10.80% |
|
||
700 and above but upto 724 |
CMR 4 |
9.50% |
9.80% |
10.20% |
10.55% |
11.85% |
|
||
675 and above but upto 699 |
CMR 5 |
9.55% |
9.85% |
10.25% |
10.60% |
10.90% |
|
||
650 and above but upto 674 |
CMR 6 |
9.60% |
9.90% |
10.30% |
10.65% |
10.85% |
|
||
RoI matrix for MSME loans wherein Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) of existing borrowal account has migrated downward and review/renewal is undertaken at existing level. |
|
||||||||
|
|||||||||
Roi Matrix |
|
||||||||
For loans upto RS. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
Spread over UFR |
Rate of interest |
|
|||||
Below 650 but upto 635 |
CMR 7 |
2.50% |
11.30% |
|
|||||
Below 635 but upto 620 |
CMR 8 |
2.75% |
11.55% |
|
|||||
Below 620 but upto 600 |
CMR 9 |
3.00% |
11.80% |
|
|||||
Below 600 |
CMR 10 |
3.25% |
12.05% |
|
|||||
For loans above Rs. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
Spread over UCO Float-based on Consumer cibil/commercial cibil MSME Rank (CMR) |
|
||||||
|
|
UCO 1 |
UCO 2 & UCO 3 |
UCO 4 & UCO 5 |
UCO 6 |
UCO 7 |
UCO 8 & below |
||
Below 650 but upto 635 |
CMR 7 |
2.25% |
2.30% |
2.35% |
2.40% |
2.45% |
2.50% |
||
Below 635 but upto 620 |
CMR 8 |
2.55% |
2.60% |
2.65% |
2.70% |
2.75% |
2.80% |
||
Below 620 but upto 600 |
CMR 9 |
2.85% |
2.90% |
2.95% |
3.00% |
3.05% |
3.10% |
||
Below 600 |
CMR 10 |
3.15% |
3.20% |
3.25% |
3.30% |
3.35% |
3.40% |
||
For loans above Rs. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
ROI-based on Consumer cibil/commercial cibil MSME Rank (CMR) |
|
||||||
|
|
UCO 1 |
UCO 2 & UCO 3 |
UCO 4 & UCO 5 |
UCO 6 |
UCO 7 |
UCO 8 & below |
||
Below 650 but upto 635 |
CMR 7 |
11.30% |
11.35% |
11.40% |
11.45% |
11.50% |
11.55% |
||
Below 635 but upto 620 |
CMR 8 |
11.60% |
11.65% |
11.70% |
11.75% |
11.80% |
11.85% |
||
Below 620 but upto 600 |
CMR 9 |
11.90% |
11.95% |
12.00% |
12.05% |
12.10% |
12.15% |
||
Below 600 |
CMR 10 |
12.20% |
12.25% |
12.30% |
12.35% |
12.40% |
12.45% |
||
RoI matrix for MSME loans wherein Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) of existing borrowal account has migrated downward and borrower seeking enhancement of limit/additional credit facility. |
|
||||||||
|
|||||||||
Roi Matrix |
|
||||||||
For loans upto RS. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
Spread over UFR |
Rate of interest |
|
|||||
Below 650 but upto 635 |
CMR 7 |
2.75% |
11.80% |
|
|||||
Below 635 but upto 620 |
CMR 8 |
3.00% |
12.05% |
|
|||||
Below 620 but upto 600 |
CMR 9 |
3.25% |
12.30% |
|
|||||
For loans above Rs. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
Spread over UCO Float-based on Consumer cibil/commercial cibil MSME Rank (CMR) |
|
||||||
|
|
UCO 1 |
UCO 2 & UCO 3 |
UCO 4 & UCO 5 |
UCO 6 |
UCO 7 |
UCO 8 & below |
||
Below 650 but upto 635 |
CMR 7 |
2.50% |
2.55% |
2.60% |
2.65% |
2.70% |
2.75% |
||
Below 635 but upto 620 |
CMR 8 |
2.80% |
2.85% |
2.90% |
2.95% |
3.00% |
3.05% |
||
Below 620 but upto 600 |
CMR 9 |
3.10% |
3.15% |
3.20% |
3.25% |
3.30% |
3.35% |
||
For loans above Rs. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
ROI-based on Consumer cibil/commercial cibil MSME Rank (CMR) |
|
||||||
|
|
UCO 1 |
UCO 2 & UCO 3 |
UCO 4 & UCO 5 |
UCO 6 |
UCO 7 |
UCO 8 & below |
||
Below 650 but upto 635 |
CMR 7 |
11.30% |
11.35% |
11.40% |
11.45% |
11.50% |
11.55% |
||
Below 635 but upto 620 |
CMR 8 |
11.60% |
11.65% |
11.70% |
11.75% |
11.80% |
11.85% |
||
Below 620 but upto 600 |
CMR 9 |
11.90% |
11.95% |
12.00% |
12.05% |
12.10% |
12.15% |
||
28 |
UCO CONTRACTOR: |
|
|
|
|
|
|
||
UCO Contractor |
Roi Matrix |
|
|||||||
Collateral Norms |
Spread |
Rate of Interest |
|
||||||
Where realisable value of collateral security is 100% or in case of facility secured by liquid collateral and the value of liquid collateral is 91% or above the limit sanctioned. |
0.75% |
9.55% |
|
||||||
Rate of Interest (RoI) under Hybrid Model of CGTMSE |
1.25% |
10.05% |
|
||||||
29 |
MSME PROPERTY: |
|
|
|
|
||||
Applicable for new account as well as for review/renewal of account at existing level/run down balance and/or renewal of account with enhancemment |
|
||||||||
Consumer CIBIL score (For Individual/ Professional/Self employed) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
|
|||||||
Score |
Spread |
Score |
Spread |
|
|||||
Above 750 |
0% |
CMR 1 |
0.25% |
|
|||||
Above 700 and upto 750 |
0.75% |
CMR 2 |
0.50% |
|
|||||
Above 675 and upto 700 |
1.25% |
CMR 3 |
0.75% |
|
|||||
650 to 675 |
1.75% |
CMR 4 |
1.00% |
|
|||||
|
|
CMR 5 |
1.25% |
|
|||||
|
|
CMR 6 |
1.75% |
|
|||||
|
|
CMR 7 |
2.05% |
|
|||||
|
|
CMR 8 |
2.15% |
|
|||||
Applicable for new account as well as for review/renewal of account at existing level/run down balance and/or renewal of account with enhancemment |
|
||||||||
Consumer CIBIL score (For Individual/ Professional/Self employed) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
|
|||||||
Score |
RoI |
Score |
RoI |
|
|||||
Above 750 |
9.05% |
CMR 1 |
9.05% |
|
|||||
Above 700 and upto 750 |
9.55% |
CMR 2 |
9.30% |
|
|||||
Above 675 and upto 700 |
10.05% |
CMR 3 |
10.55% |
|
|||||
650 to 675 |
10.55% |
CMR 4 |
9.80% |
|
|||||
|
|
CMR 5 |
10.05% |
|
|||||
|
|
CMR 6 |
10.55% |
|
|||||
|
|
CMR 7 |
10.85% |
|
|||||
|
|
CMR 8 |
10.95% |
|
|||||
Applicable to accounts wherein Consumer CIBIL Score/ Commercial CIBIL MSME Rank (CMR) has migrated downward and review/renewal to be done at existing level/run down and/or renewal of account wiiiit enhancement |
|
||||||||
Consumer CIBIL score (For Individual/ Professional/Self employed) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
|
|||||||
Score |
Spread |
Score |
Spread |
|
|||||
Below 650 but upto 635 |
2% |
CMR 9 |
2.50% |
|
|||||
Below 635 but upto 620 |
2.50% |
CMR 10 |
3.00% |
|
|||||
Below 620 but upto 600 |
2.75% |
|
|
|
|||||
Below 600 |
3.00% |
|
|
|
|||||
Applicable to accounts wherein Consumer CIBIL Score/ Commercial CIBIL MSME Rank (CMR) has migrated downward and review/renewal to be done at existing level/run down and/or renewal of account wiiiit enhancement |
|
||||||||
Consumer CIBIL score (For Individual/ Professional/Self employed) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
|
|||||||
Score |
RoI |
Score |
RoI |
|
|||||
Below 650 but upto 635 |
11.05% |
CMR 9 |
11.30% |
|
|||||
Below 635 but upto 620 |
11.30% |
CMR 10 |
11.80% |
|
|||||
Below 620 but upto 600 |
11.55% |
|
|
|
|||||
Below 600 |
11.80% |
|
|
|
|||||
30 |
UCO EQUIPMENT FINANCE |
|
|
|
|
|
|
|
|
For Credit Facility upto Rs 100 lakhs, RoI will be linked to Consumer Cibil score/Commercial CIBIL MSME Rank (CMR) of the borrower. |
|
||||||||
|
|||||||||
Roi Matrix |
|
|
|||||||
For loans upto RS. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
|
|||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
Spread over UFR |
Rate of Interest |
|
|
||||
800 and above |
CMR 1 |
0.55% |
9.35% |
|
|
||||
750 and above but upto 799 |
CMR 2 |
0.85% |
9.65% |
|
|
||||
725 and above but upto 749 |
CMR 3 |
1.25% |
10.05% |
|
|
||||
700 and above but upto 724 |
CMR 4 |
1.55% |
10.35% |
|
|
||||
675 and above but upto 699 |
CMR 5 |
1.75% |
10.55% |
|
|
||||
650 and above but upto 674 |
CMR 6 |
2.15% |
10.95% |
|
|
||||
For Credit Facility above Rs 100 lakhs, RoI will be linked to Consumer Cibil score/Commercial CIBIL MSME Rank (CMR) of the borrower which is interlinked with internal credit rating. |
|
||||||||
|
|||||||||
For loans above Rs. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
Spread over UCO Float-based on Consumer cibil/commercial cibil MSME Rank (CMR) |
|
||||||
|
|
UCO 1 |
UCO 2 & UCO 3 |
UCO 4 & UCO 5 |
UCO 6 |
UCO 7 |
|
||
800 and above |
CMR 1 |
0.55% |
0.85% |
1.15% |
1.55% |
1.90% |
|
||
750 and above but upto 799 |
CMR 2 |
0.60% |
0.90% |
1.20% |
1.65% |
1.95% |
|
||
725 and above but upto 749 |
CMR 3 |
0.65% |
0.95% |
1.35% |
1.70% |
2.00% |
|
||
700 and above but upto 724 |
CMR 4 |
0.70% |
1.00% |
1.40% |
1.75% |
2.05% |
|
||
675 and above but upto 699 |
CMR 5 |
0.75% |
1.05% |
1.45% |
1.80% |
2.10% |
|
||
650 and above but upto 674 |
CMR 6 |
0.80% |
1.10% |
1.50% |
1.85% |
2.15% |
|
||
For loans above Rs. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
Spread over UCO Float-based on Consumer cibil/commercial cibil MSME Rank (CMR) |
|
||||||
|
|
UCO 1 |
UCO 2 & UCO 3 |
UCO 4 & UCO 5 |
UCO 6 |
UCO 7 |
|
||
800 and above |
CMR 1 |
9.35% |
9.65% |
9.95% |
10.35% |
10.70% |
|
||
750 and above but upto 799 |
CMR 2 |
9.40% |
9.70% |
10.00% |
10.45% |
10.75% |
|
||
725 and above but upto 749 |
CMR 3 |
9.45% |
9.75% |
10.15% |
10.50% |
10.80% |
|
||
700 and above but upto 724 |
CMR 4 |
9.50% |
9.80% |
10.20% |
10.55% |
10.85% |
|
||
675 and above but upto 699 |
CMR 5 |
9.55% |
9.85% |
10.25% |
10.60% |
10.90% |
|
||
650 and above but upto 674 |
CMR 6 |
9.60% |
9.90% |
10.30% |
10.65% |
10.95% |
|
||
|
|
|
|||||||
RoI matrix for MSME loans wherein Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) of existing borrowal account has migrated downward and review/renewal is undertaken at existing level. |
|
||||||||
|
|||||||||
Roi Matrix |
|
|
|||||||
For loans upto RS. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
|
|||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
Spread over UFR |
Rate of Interest |
|
|
||||
Below 650 but upto 635 |
CMR 7 |
2.50% |
11.30% |
|
|
||||
Below 635 but upto 620 |
CMR 8 |
2.75% |
11.55% |
|
|
||||
Below 620 but upto 600 |
CMR 9 |
3.00% |
11.80% |
|
|
||||
Below 600 |
CMR 10 |
3.25% |
12.05% |
|
|
||||
For loans above Rs. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
Spread over UCO Float-based on Consumer cibil/commercial cibil MSME Rank (CMR) |
|
||||||
|
|
UCO 1 |
UCO 2 & UCO 3 |
UCO 4 & UCO 5 |
UCO 6 |
UCO 7 |
UCO 8 & below |
||
Below 650 but upto 635 |
CMR 7 |
2.25% |
2.30% |
2.35% |
2.40% |
2.45% |
2.50% |
||
Below 635 but upto 620 |
CMR 8 |
2.55% |
2.60% |
2.65% |
2.70% |
2.75% |
2.80% |
||
Below 620 but upto 600 |
CMR 9 |
2.85% |
2.90% |
2.95% |
3.00% |
3.05% |
3.10% |
||
Below 600 |
CMR 10 |
3.15% |
3.20% |
3.25% |
3.30% |
3.35% |
3.40% |
||
For loans above Rs. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
ROI-based on Consumer cibil/commercial cibil MSME Rank (CMR) |
|
||||||
|
|
UCO 1 |
UCO 2 & UCO 3 |
UCO 4 & UCO 5 |
UCO 6 |
UCO 7 |
UCO 8 & below |
||
Below 650 but upto 635 |
CMR 7 |
11.05% |
11.10% |
11.15% |
11.20% |
11.25% |
11.30% |
||
Below 635 but upto 620 |
CMR 8 |
11.35% |
11.40% |
11.45% |
11.50% |
11.55% |
11.60% |
||
Below 620 but upto 600 |
CMR 9 |
11.65% |
11.70% |
11.75% |
11.80% |
11.85% |
11.90% |
||
Below 600 |
CMR 10 |
11.95% |
12.00% |
12.05% |
12.10% |
12.15% |
12.20% |
||
RoI matrix for MSME loans wherein Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) of existing borrowal account has migrated downward and borrower seeking enhancement of limit/additional credit facility. |
|
||||||||
|
|||||||||
Roi Matrix |
|
|
|||||||
For loans upto RS. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
|
|||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
Spread over UFR |
Rate of Interest |
|
|
||||
Below 650 but upto 635 |
CMR 7 |
2.75% |
11.55% |
|
|
||||
Below 635 but upto 620 |
CMR 8 |
3.00% |
11.80% |
|
|
||||
Below 620 but upto 600 |
CMR 9 |
3.25% |
12.05% |
|
|
||||
For loans above Rs. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
Spread over UCO Float-based on Consumer cibil/commercial cibil MSME Rank (CMR) |
|
||||||
|
|
UCO 1 |
UCO 2 & UCO 3 |
UCO 4 & UCO 5 |
UCO 6 |
UCO 7 |
UCO 8 & below |
||
Below 650 but upto 635 |
CMR 7 |
2.50% |
2.55% |
2.60% |
2.65% |
2.70% |
2.75% |
||
Below 635 but upto 620 |
CMR 8 |
2.80% |
2.85% |
2.90% |
2.95% |
3.00% |
3.05% |
||
Below 620 but upto 600 |
CMR 9 |
3.10% |
3.15% |
3.20% |
3.25% |
3.30% |
3.35% |
||
For loans above Rs. 100 lakhs- Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) |
|
||||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
ROI-based on Consumer cibil/commercial cibil MSME Rank (CMR) |
|
||||||
|
|
UCO 1 |
UCO 2 & UCO 3 |
UCO 4 & UCO 5 |
UCO 6 |
UCO 7 |
UCO 8 & below |
||
Below 650 but upto 635 |
CMR 7 |
11.30% |
11.35% |
11.40% |
11.45% |
11.50% |
11.55% |
||
Below 635 but upto 620 |
CMR 8 |
11.60% |
11.65% |
11.70% |
11.75% |
11.80% |
11.85% |
||
Below 620 but upto 600 |
CMR 9 |
11.90% |
11.95% |
12.00% |
12.05% |
12.10% |
12.15% |
||
31 |
UCO ARHATIYAS |
|
|
|
|
|
|
|
|
Applicable for new account as well as renewal of account at existing level/renewal of account with enhancement wherein there is no migration in consumer cibil score/commercial cibil MSME rank (CMR) |
|
|
|||||||
|
|
||||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
Spread for credit facility wherein ICR is not required |
Spread for credit facility where ICR is required |
|
|||||
|
|
UCO 1/UCO 2/UCO 3 |
UCO 4/UCO 5/UCO 6 |
UCO 7 |
|
||||
800 and above |
CMR 1 |
0.35% |
0.35% |
0.80% |
1.10% |
|
|||
750 and above but upto 799 |
CMR 2 |
0.40% |
0.40% |
0.85% |
1.15% |
|
|||
725 and above but upto 749 |
CMR 3 |
0.45% |
0.45% |
0.90% |
1.20% |
|
|||
700 and above but upto 724 |
CMR 4 |
0.50% |
0.50% |
0.95% |
1.25% |
|
|||
675 and above but upto 699 |
CMR 5 |
0.55% |
0.55% |
1.00% |
1.30% |
|
|||
650 and above but upto 674 |
CMR 6 |
0.75% |
0.75% |
1.05% |
1.35% |
|
|||
|
CMR 7 |
1.40% |
1.45% |
1.50% |
1.55% |
|
|||
CMR 8 |
1.65% |
1.75% |
1.85% |
1.95% |
|
||||
Applicable for new account as well as renewal of account at existing level/renewal of account with enhancement wherein there is no migration in consumer cibil score/commercial cibil MSME rank (CMR) |
|
||||||||
|
|||||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
Spread for credit facility wherein ICR is not required |
RoI for credit facility where ICR is required |
|
|||||
|
|
UCO 1/UCO 2/UCO 3 |
UCO 4/UCO 5/UCO 6 |
UCO 7 |
|
||||
800 and above |
CMR 1 |
9.15% |
9.15% |
9.60% |
9.90% |
|
|||
750 and above but upto 799 |
CMR 2 |
9.20% |
9.20% |
9.65% |
9.95% |
|
|||
725 and above but upto 749 |
CMR 3 |
9.25% |
9.25% |
9.70% |
10.00% |
|
|||
700 and above but upto 724 |
CMR 4 |
9.30% |
9.30% |
9.75% |
10.05% |
|
|||
675 and above but upto 699 |
CMR 5 |
9.35% |
9.35% |
9.80% |
10.10% |
|
|||
650 and above but upto 674 |
CMR 6 |
9.55% |
9.55% |
9.85% |
10.15% |
|
|||
|
CMR 7 |
10.20% |
10.25% |
10.30% |
10.35% |
|
|||
CMR 8 |
10.45% |
10.55% |
10.65% |
10.75% |
|
||||
Applicable Rate of interest (RoI) in cases wherein Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) has migrated downward and renewal done at existing level |
|
||||||||
|
|||||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
Spread for credit facility wherein ICR is not required |
Spread for credit facility where ICR is required |
|
|||||
|
|
UCO 1 |
UCO 2 & UCO 3 |
UCO 4 & UCO 5 |
UCO 6 |
UCO 7 |
UCO 8 & below |
||
Below 650 but upto 635 |
|
1.00% |
1.00% |
1.05% |
1.10% |
1.15% |
1.20% |
1.25% |
|
Below 635 but upto 620 |
1.05% |
1.30% |
1.35% |
1.40% |
1.45% |
1.50% |
1.55% |
||
Below 620 but upto 600 |
1.10% |
1.60% |
1.65% |
1.70% |
1.75% |
1.80% |
1.85% |
||
Below 600 |
1.25% |
1.90% |
1.95% |
2.00% |
2.05% |
2.10% |
2.15% |
||
|
CMR 9 |
2.25% |
2.25% |
2.35% |
2.40% |
2.45% |
2.50% |
2.55% |
|
CMR 10 |
2.65% |
2.70% |
2.75% |
2.80% |
2.85% |
2.90% |
2.95% |
||
Applicable Rate of interest (RoI) in cases wherein Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) has migrated downward and renewal done at existing level |
|
||||||||
|
|||||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
Spread for credit facility wherein ICR is not required |
RoI for credit facility where ICR is required |
|
|||||
|
|
UCO 1 |
UCO 2 & UCO 3 |
UCO 4 & UCO 5 |
UCO 6 |
UCO 7 |
UCO 8 & below |
||
Below 650 but upto 635 |
|
9.80% |
9.80% |
9.85% |
9.90% |
9.95% |
10.00% |
10.05% |
|
Below 635 but upto 620 |
9.85% |
10.10% |
10.15% |
10.20% |
10.25% |
10.30% |
10.35% |
||
Below 620 but upto 600 |
9.90% |
10.40% |
10.45% |
10.50% |
10.55% |
10.60% |
10.65% |
||
Below 600 |
10.05% |
10.70% |
10.75% |
10.80% |
10.85% |
10.90% |
10.95% |
||
|
CMR 9 |
11.05% |
11.05% |
11.15% |
11.20% |
11.25% |
11.30% |
11.35% |
|
CMR 10 |
11.45% |
11.50% |
11.55% |
11.60% |
11.65% |
11.70% |
11.75% |
||
|
|
|
|||||||
Applicable Rate of interest (RoI) in cases wherein Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) has migrated downward and renewal done with enhancement |
|
||||||||
|
|||||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
Spread for credit facility wherein ICR is not required |
Spread for credit facility where ICR is required |
|
|||||
|
|
UCO 1 |
UCO 2 & UCO 3 |
UCO 4 & UCO 5 |
UCO 6 |
UCO 7 |
UCO 8 & below |
||
Below 650 but upto 635 |
|
1.10% |
1.10% |
1.15% |
1.20% |
1.25% |
1.30% |
1.35% |
|
Below 635 but upto 620 |
1.15% |
1.40% |
1.45% |
1.50% |
1.55% |
1.60% |
1.65% |
||
Below 620 but upto 600 |
1.20% |
1.70% |
1.75% |
1.80% |
1.85% |
1.90% |
1.95% |
||
Below 600 |
1.25% |
2.00% |
2.05% |
2.10% |
2.15% |
2.20% |
2.25% |
||
|
CMR 9 |
2.25% |
2.25% |
2.35% |
2.40% |
2.45% |
2.50% |
2.55% |
|
Applicable Rate of interest (RoI) in cases wherein Consumer CIBIL Score/Commercial CIBIL MSME Rank (CMR) has migrated downward and renewal done with enhancement |
|
||||||||
|
|||||||||
Consumer CIBIL score (For Individual) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
Spread for credit facility wherein ICR is not required |
RoI for credit facility where ICR is required |
|
|||||
|
|
UCO 1 |
UCO 2 & UCO 3 |
UCO 4 & UCO 5 |
UCO 6 |
UCO 7 |
UCO 8 & below |
||
Below 650 but upto 635 |
|
9.90% |
9.90% |
9.95% |
10.00% |
10.05% |
10.10% |
10.15% |
|
Below 635 but upto 620 |
9.95% |
10.20% |
10.25% |
10.30% |
10.35% |
10.40% |
10.45% |
||
Below 620 but upto 600 |
10.00% |
10.50% |
10.55% |
10.60% |
10.65% |
10.70% |
10.75% |
||
Below 600 |
10.05% |
10.80% |
10.85% |
10.90% |
10.95% |
11.00% |
11.05% |
||
|
CMR 9 |
11.05% |
11.05% |
11.15% |
11.20% |
11.25% |
11.30% |
11.35% |
|
32 |
UCO RICE SHELLER: |
|
|
|
|
|
|||
RoI for credit facility (CC/TL)where ICR is required |
|
||||||||
ICR |
Spread |
Effective RoI |
|
||||||
UCO 1 |
-0.85% |
7.95% |
|
||||||
UCO 2 |
-0.80% |
8.00% |
|
||||||
UCO 3 |
-0.75% |
8.05% |
|
||||||
UCO 4 |
-0.70% |
8.10% |
|
||||||
UCO 5 |
-0.55% |
8.25 |
|
||||||
UCO 6 |
-0.45% |
8.35% |
|
||||||
UCO 7 |
0.70% |
9.50% |
|
||||||
UCO 8 |
1.20% |
10.00% |
|
||||||
UCO 9 |
2.25% |
11.05% |
|
||||||
UCO 10 |
2.75% |
11.55% |
|
||||||
RoI for credit facility (CC/TL)where ICR is not required |
|
||||||||
ICR |
Spread |
Effective RoI |
|
||||||
Not required |
-0.55% |
8.25% |
|
||||||
Tenor based premium for term loans |
|
|
|||||||
Loan tenor |
Tenor premium |
|
|
||||||
Up to 3 years |
0.00% |
|
|
||||||
3 years -5 years |
0.20% |
|
|
||||||
> 5 years |
0.30% |
|
|
||||||
33 |
UCO OFFICE: |
|
|||||||
Applicable for new account as well as for review of account at existing level/run down balance |
|
||||||||
Consumer CIBIL score (For Individual/ Professional/Self employed) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
|
|||||||
Score |
Spread |
Score |
Spread |
|
|||||
Above 750 |
0.25% |
CMR 1 |
0.25% |
|
|||||
Above 700 and upto 750 |
0.75% |
CMR 2 |
0.50% |
|
|||||
Above 675 and upto 700 |
1.25% |
CMR 3 |
0.75% |
|
|||||
650 to 675 |
1.75% |
CMR 4 |
1.00% |
|
|||||
|
|
CMR 5 |
1.25% |
|
|||||
|
|
CMR 6 |
1.75% |
|
|||||
|
|
CMR 7 |
2.05% |
|
|||||
|
|
CMR 8 |
2.15% |
|
|||||
Applicable for new account as well as for review of account at existing level/run down balance |
|
||||||||
Consumer CIBIL score (For Individual/ Professional/Self employed) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
|
|||||||
Score |
RoI |
Score |
RoI |
|
|||||
Above 750 |
9.05% |
CMR 1 |
9.05% |
|
|||||
Above 700 and upto 750 |
9.55% |
CMR 2 |
9.30% |
|
|||||
Above 675 and upto 700 |
10.05% |
CMR 3 |
9.55% |
|
|||||
650 to 675 |
10.55% |
CMR 4 |
9.80% |
|
|||||
|
|
CMR 5 |
10.05% |
|
|||||
|
|
CMR 6 |
10.55% |
|
|||||
|
|
CMR 7 |
10.85% |
|
|||||
|
|
CMR 8 |
10.95% |
|
|||||
Applicable to accounts wherein Consumer CIBIL Score/ Commercial CIBIL MSME Rank (CMR) has migrated downward and review to be done at existing level/run down balance |
|
||||||||
Consumer CIBIL score (For Individual/ Professional/Self employed) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
|
|||||||
Score |
Spread |
Score |
Spread |
|
|||||
Below 650 but upto 635 |
2.25% |
CMR 9 |
2.50% |
|
|||||
Below 635 but upto 620 |
2.50% |
CMR 10 |
3.00% |
|
|||||
Below 620 but upto 600 |
2.75% |
|
|
|
|||||
Below 600 |
3.00% |
|
|
|
|||||
Applicable to accounts wherein Consumer CIBIL Score/ Commercial CIBIL MSME Rank (CMR) has migrated downward and review to be done at existing level/run down balance |
|
||||||||
Consumer CIBIL score (For Individual/ Professional/Self employed) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
|
|||||||
Score |
Spread |
Score |
Spread |
|
|||||
Below 650 but upto 635 |
11.05% |
CMR 9 |
11.30% |
|
|||||
Below 635 but upto 620 |
11.30% |
CMR 10 |
11.80% |
|
|||||
Below 620 but upto 600 |
11.55% |
|
|
|
|||||
Below 600 |
11.80% |
|
|
|
|||||
34 |
UCO ABHINANDAN SCHEME |
|
|
|
|
|
|||
Security Coverage 75% and Above |
|
||||||||
ICR |
Spread |
Effective RoI |
|
||||||
UCO 1 |
-0.50% |
8.30% |
|
||||||
UCO 2 |
-0.40% |
8.40% |
|
||||||
UCO 3 |
-0.30% |
8.50% |
|
||||||
UCO 4 |
-0.05% |
8.75% |
|
||||||
UCO 5 |
0.20% |
9.00% |
|
||||||
Security Coverage 50% and above but below 75% |
|
||||||||
ICR |
Spread |
Effective RoI |
|
||||||
UCO 1 |
-0.40% |
8.40% |
|
||||||
UCO 2 |
-0.30% |
8.50% |
|
||||||
UCO 3 |
-0.15% |
8.65% |
|
||||||
UCO 4 |
0.10% |
8.90% |
|
||||||
UCO 5 |
0.25% |
9.05% |
|
||||||
Security Coverage 40% and above but below 50% |
|
||||||||
ICR |
Spread |
Effective RoI |
|
||||||
UCO 1 |
-0.20% |
8.60% |
|
||||||
UCO 2 |
0.00% |
8.80% |
|
||||||
UCO 3 |
0.15% |
8.95% |
|
||||||
UCO 4 |
0.30% |
9.10% |
|
||||||
UCO 5 |
0.45% |
9.25% |
|
||||||
Applicable Rate of interest (RoI) in cases wherein Internal Credit Rating has migrated downward and review/renewal to be undertaken at existing level/ with enhancement and/ or with additional facility |
|
||||||||
ICR |
Spread |
Effective RoI |
|
||||||
UCO 6 |
0.65% |
9.45% |
|
||||||
UCO 7 |
1.20% |
10.00% |
|
||||||
UCO 8 |
1.95% |
10.75% |
|
||||||
UCO 9 |
2.45% |
11.25% |
|
||||||
UCO 10 |
2.95% |
11.75% |
|
||||||
35 |
MSME Smart Finance |
RoI |
|
|
|||||
UFR |
Spread |
Effective RoI |
|||||||
8.80% |
1.60% |
10.40% |
|||||||
36 |
UCO TRADE ADVANTAGE: |
|
|
|
|
|
|||
|
|
||||||||
Applicable for new account as well as review/renewal of account at existing level/renewal of account with enhamncement and/ or with additional facility based on Consumer CIBIL Score/ Commercial CIBIl MSME Rank (CMR) |
|
||||||||
Consumer CIBIL score (For Individual/ Professional/Self employed) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
|
|||||||
Score |
Spread |
Score |
Spread |
|
|||||
875 and above |
0% |
CMR 1 |
0.25% |
|
|||||
850 to 874 |
0.45% |
CMR 2 |
0.45% |
|
|||||
825 to 849 |
0.65% |
CMR 3 |
0.65% |
|
|||||
800 to 824 |
0.85% |
CMR 4 |
0.85% |
|
|||||
750 to 799 |
1.05% |
CMR 5 |
1.05% |
|
|||||
700 to 749 |
1.25% |
CMR 6 |
1.25% |
|
|||||
600 to 699 |
2.75% |
CMR 7/CMR 8 |
2.75% |
|
|||||
Below 600 |
3.75% |
CMR 9/CMR 10 |
3.75% |
|
|||||
Applicable for new account as well as review/renewal of account at existing level/renewal of account with enhamncement and/ or with additional facility based on Consumer CIBIL Score/ Commercial CIBIl MSME Rank (CMR) |
|
||||||||
Consumer CIBIL score (For Individual/ Professional/Self employed) |
Commercial CIBIL MSME Rank (CMR) (For Firm/Company) |
|
|||||||
Score |
Spread |
Score |
Spread |
|
|||||
875 and above |
9.05% |
CMR 1 |
9.05% |
|
|||||
850 to 874 |
9.25% |
CMR 2 |
9.25% |
|
|||||
825 to 849 |
9.45% |
CMR 3 |
9.45% |
|
|||||
800 to 824 |
9.65% |
CMR 4 |
9.65% |
|
|||||
750 to 799 |
9.85% |
CMR 5 |
9.85% |
|
|||||
700 to 749 |
10.05% |
CMR 6 |
10.05% |
|
|||||
600 to 699 |
11.55% |
CMR 7/CMR 8 |
11.55% |
|
|||||
Below 600 |
12.55% |
CMR 9/CMR 10 |
12.55% |
|
|||||
37 |
STP Shishu Mudra |
UFR |
Spread |
RoI |
|||||
|
8.80% |
0.80% |
9.60% |
||||||
38 |
GST Smart Finance |
UFR |
Spread |
RoI |
|||||
|
9.80% |
1.95% |
10.75% |
||||||
39 |
Mukhyamantri Yuva Udyami Vikas Abhiyan |
UFR |
Spread |
RoI |
|
|
|
||
8.80% |
0.95% |
10.00% |
|
||||||
* Fixed RoI of 10% to be charged in the account and the spread to be accordingly adjusted subject to revision/ change in UCO Float rate.Kindly refer to circular no CHO/MSME/32/2024-25 dated 30.01.2025 and subsequent revisions/modifications issued by MSME department for further guidelines. |
|||||||||
40 |
UCO CA LOAN SCHEME |
UFR |
Spread |
RoI |
|||||
|
8.80% |
2.80% |
11.60 % |
||||||
41 |
UCO NARI SAMMAN |
|
|
|
|
|
|
||
Applicable for new account as well as review/renewal of account at existing level/renewal of account with enhancement and/ or with additional facility based on Consumer CIBIL Score/ Commercial CIBIl MSME Rank (CMR) |
|
||||||||
|
|||||||||
Funded exposure above Rs. 10 lakhs and upto Rs. 25 lakhs. |
|
||||||||
Consumer CIBIL Score |
Spread |
RoI |
Commercial Cibil MSME Rank |
Spread |
RoI |
|
|||
800 and above |
0.25% |
9.05% |
CMR 1 |
0.25% |
9.05% |
|
|||
750 to 799 |
0.45% |
9.25% |
CMR 2 |
0.45% |
9.25% |
|
|||
725 to 749 |
0.55% |
9.35% |
CMR 3 |
0.55% |
9.35% |
|
|||
700 to 724 |
0.75% |
9.55% |
CMR 4 |
0.75% |
9.55% |
|
|||
675 to 699 |
1.25% |
10.05% |
CMR 5 |
0.85% |
9.65% |
|
|||
650 to 674 |
1.75% |
10.55% |
CMR 6 |
0.95% |
9.75% |
|
|||
600 to 649 |
2.25% |
11.05% |
CMR 6 |
2.25% |
11.05% |
|
|||
Below 600 |
2.75% |
11.55% |
CMR 6 |
2.75% |
11.55% |
|
|||
Incase of individual borrowers having no credit history (0) or insufficient credit history (-1), applicable RoI shall be same as applicable to borrowers with consumer cibil score of 700 to 724. For other than individual borrowers having no credit history or insufficient credit history, RoI will be same as applicable to CMR 6. |
|
||||||||
|
|||||||||
|
|||||||||
Applicable for new account as well as review/renewal of account at existing level/renewal of account with enhancement and/ or with additional facility wherein there is no migration in Internal Credit Rating |
|
||||||||
|
|||||||||
Funded exposure above Rs. 25 lakhs and upto Rs. 50 Crs. |
|
||||||||
Internal Credit Rating |
Spread |
RoI |
|
||||||
UCO 1 |
0.25% |
9.05% |
|
||||||
UCO 2 |
0.45% |
9.25% |
|
||||||
UCO 3 |
0.55% |
9.35% |
|
||||||
UCO 4 |
0.75% |
9.55% |
|
||||||
UCO 5 |
0.85% |
9.65% |
|
||||||
UCO 6 |
1.00% |
9.80% |
|
||||||
Applicable for Accounts wherein Internal credit rating has downgraded and review/renewal to be undertaken at existing level/with enhancement and/or with additional facility |
|
||||||||
|
|||||||||
Funded exposure above Rs. 25 lakhs and upto Rs. 50 Crs. |
|
||||||||
Internal Credit Rating |
Spread |
RoI |
|
||||||
UCO 7 |
1.25% |
10.05% |
|
||||||
UCO 8 |
1.75% |
10.55% |
|
||||||
UCO 9 |
2.00% |
10.80% |
|
||||||
UCO 10 |
2.25% |
11.05% |
|
||||||
42 |
UCO MSME YUVASHAKTI |
|
|
|
|
|
|
||
Applicable for new account as well as review/renewal of account at existing level/renewal of account with enhancement and/ or with additional facility based on Consumer CIBIL Score/ Commercial CIBIl MSME Rank (CMR) |
|
||||||||
|
|||||||||
Funded exposure above Rs. 10 lakhs and upto Rs. 25 lakhs. |
|
||||||||
Consumer CIBIL Score |
Spread |
RoI |
Commercial Cibil MSME Rank |
Spread |
RoI |
|
|||
800 and above |
0.45% |
9.25% |
CMR 1 |
0.45% |
9.25% |
|
|||
750 to 799 |
0.55% |
9.35% |
CMR 2 |
0.55% |
9.35% |
|
|||
725 to 749 |
0.75% |
9.55% |
CMR 3 |
0.75% |
9.55% |
|
|||
700 to 724 |
0.85% |
9.65% |
CMR 4 |
0.85% |
9.65% |
|
|||
675 to 699 |
1.25% |
10.05% |
CMR 5 |
0.95% |
9.75% |
|
|||
650 to 674 |
1.75% |
10.55% |
CMR 6 |
1.50% |
10.30% |
|
|||
600 to 649 |
2.25% |
11.05% |
CMR 6 |
2.25% |
11.05% |
|
|||
Below 600 |
2.75% |
11.55% |
CMR 6 |
2.75% |
11.55% |
|
|||
Incase of individual borrowers having no credit history (0) or insufficient credit history (-1), applicable RoI shall be same as applicable to borrowers with consumer cibil score of 700 to 724. For other than individual borrowers having no credit history or insufficient credit history, RoI will be same as applicable to CMR 6. |
|
||||||||
|
|||||||||
|
|||||||||
Applicable for new account as well as review/renewal of account at existing level/renewal of account with enhancement and/ or with additional facility wherein there is no migration in Internal Credit Rating |
|
||||||||
|
|||||||||
Funded exposure above Rs. 25 lakhs and upto Rs. 50 Crs. |
|
||||||||
Internal Credit Rating |
Spread |
RoI |
|
||||||
UCO 1 |
0.45% |
9.25% |
|
||||||
UCO 2 |
0.55% |
9.35% |
|
||||||
UCO 3 |
0.65% |
9.45% |
|
||||||
UCO 4 |
0.90% |
9.70% |
|
||||||
UCO 5 |
1.00% |
9.80% |
|
||||||
UCO 6 |
1.10% |
9.90% |
|
||||||
Applicable for Accounts wherein Internal credit rating has downgraded and review/renewal to be undertaken at existing level/with enhancement and/or with additional facility |
|
||||||||
|
|||||||||
Funded exposure above Rs. 25 lakhs and upto Rs. 50 Crs. |
|
||||||||
Internal Credit Rating |
Spread |
RoI |
|
||||||
UCO 7 |
1.50% |
10.30% |
|
||||||
UCO 8 |
1.75% |
10.55% |
|
||||||
UCO 9 |
2.25% |
11.05% |
|
||||||
UCO 10 |
2.75% |
11.55% |
|
||||||
43 |
UCO PHARMA GROWTH |
||||||||
Applicable for New Accounts as well as review/renewal of accounts at existing level/renewal of account with enhancement and/or with additional facility wherein there is no migration in internal credit rating |
|||||||||
Funded exposure above Rs. 25 lakhs and upto Rs. 50 Crs. |
|||||||||
ICR |
Spread |
Effective RoI |
|||||||
UCO 1 |
0.25% |
9.05% |
|||||||
UCO 2 |
0.35% |
9.15% |
|||||||
UCO 3 |
0.55% |
9.35% |
|||||||
UCO 4 |
0.65% |
9.45% |
|||||||
UCO 5 |
0.85% |
9.65% |
|||||||
UCO 6 |
1.00% |
9.80% |
|||||||
Applicable for Accounts wherein Internal Credit rating has downgraded and review/renewal to be undertaken at existing level/with enhancement and/or with additional facility |
|||||||||
Funded exposure above Rs. 25 lakhs and upto Rs. 50 Crs. |
|||||||||
ICR |
Spread |
Effective RoI |
|||||||
UCO 7 |
1.25% |
10.05% |
|||||||
UCO 8 |
1.50% |
10.30% |
|||||||
UCO 9 |
1.85% |
10.65% |
|||||||
UCO 10 |
2.25% |
11.05% |
|||||||
44 |
UCO SUPPLY CHAIN FINANCE |
|
|
|
|
|
|
||
A. |
DEALER FINANCE (For MSME) |
|
|||||||
|
Dealer Finance with Recourse to Anchors/ Corporates (Having TPA) linked to Repo. |
|
|||||||
|
|
||||||||
|
|
||||||||
|
External Credit Rating |
Spread |
RoI |
|
|||||
|
AAA |
-1.00% |
7.80% |
|
|||||
|
AA |
-0.90% |
7.90% |
|
|||||
|
A |
-0.85% |
7.95% |
|
|||||
|
Dealer Finance without Recourse to Anchors/ Corporates (Having TPA) linked to Repo. |
|
|||||||
|
|
||||||||
|
|
||||||||
|
Internal Credit Rating |
With minimum 25% Collateral security/CGTMSE Coverage |
RoI |
Without Collateral security/CGTMSE Coverage |
RoI |
|
|||
|
UCO 1 |
-0.70% |
8.10% |
-0.40% |
8.40% |
|
|||
|
UCO 2 |
-0.60% |
8.20% |
-0.30% |
8.50% |
|
|||
|
UCO 3 |
-0.50% |
8.30% |
-0.20% |
8.60% |
|
|||
|
UCO 4 |
-0.40% |
8.40% |
-0.10% |
8.70% |
|
|||
|
UCO 5 |
-0.30% |
8.50% |
0.00% |
8.80% |
|
|||
|
UCO 6 |
-0.20% |
8.60% |
0.10% |
8.90% |
|
|||
|
UCO 7 |
-0.10% |
8.70% |
0.20% |
9.00% |
|
|||
B. |
VENDOR FINANCE |
|
|||||||
|
Vendor Finance is currently linked to MCLR. |
|
|||||||
45 |
PM SURYA GHAR VYAPAR YOJANA |
|
|
|
|
|
|||
|
Funded exposure above Rs. 10 lakhs and upto Rs. 5 Crs. |
|
|||||||
|
Applicable for new account as well as review/renewal of account at existing level/renewal of account with enhancement and/ or with additional facility based on Consumer CIBIL Score/ Commercial CIBIl MSME Rank (CMR) |
|
|||||||
|
|
||||||||
|
Consumer CIBIL Score |
Spread |
RoI |
Commercial Cibil MSME Rank |
Spread |
RoI |
|
||
|
750 and above |
0.30% |
9.10% |
CMR 1/CMR 2 |
0.30% |
9.10% |
|
||
|
725 to 749 |
0.45% |
9.25% |
CMR 3 |
0.45% |
9.25% |
|
||
|
700 to 724 |
0.70% |
9.50% |
CMR 4 |
0.70% |
9.50% |
|
||
|
675 to 699 |
1.20% |
10.00% |
CMR 5 |
1.20% |
10.00% |
|
||
|
650to 674 |
2.00% |
10.80% |
CMR 6 |
2.00% |
10.80% |
|
||
|
Applicable for Accounts wherein Consumer Cibil Score/ Commercial Cibil MSME Rank (CMR) has downgraded and review/renewal to be undertaken at existing level/with enhancement and/or with additional facility |
|
|||||||
|
|
||||||||
|
Consumer CIBIL Score |
Spread |
RoI |
Commercial Cibil MSME Rank |
Spread |
RoI |
|
||
|
750 and above |
0.30% |
9.10% |
CMR 1/CMR 2 |
0.30% |
9.10% |
|
||
|
725 to 749 |
0.45% |
9.25% |
CMR 3 |
0.45% |
9.25% |
|
||
|
700 to 724 |
0.70% |
9.50% |
CMR 4 |
0.70% |
9.50% |
|
||
|
675 to 699 |
1.20% |
10.00% |
CMR 5 |
1.20% |
10.00% |
|
||
|
650to 674 |
2.00% |
10.80% |
CMR 6 |
2.00% |
10.80% |
|
||
46 |
Note: For agriculture loans linked to float kindly be guided by circular no CHO/RM/44/2024-25 dated 04.12.2024 titled "guidelines on interest rate on advances" and circulars issued by ARBD department on specific products. |
||||||||
Interest Rate structure applicable to existing Retail Schematic Loans & Advances Linked to UCO Float :
UCO Float (6.00+2.80)% |
8.80% |
w.e.f: 09.04.2025 |
|
|||||
Particulars |
|
|||||||
Effective rate mentioned in this circular with reference to UCO Float prevailing on the date of circular. |
||||||||
1 |
UCO CASH |
Spread |
Effective ROI |
|||||
|
UCO Cash Loan: For Central/State Govt Employee |
|
|
|||||
|
For Cibil with ≥ 775 score |
1.90% |
10.70% |
|||||
|
For Cibil with ≥750 and ≤774 |
2.15% |
10.95% |
|||||
|
For Cibil ≥700 and ≤749 |
2.40% |
11.20% |
|||||
|
For Cibil ≥650 and ≤699 |
2.90% |
11.70% |
|||||
|
For Cibil ≤649 |
3.90% |
12.70% |
|||||
|
UCO Cash Loan: Without Salary Account in our Bank |
|
|
|||||
|
For Cibil with ≥ 775 score |
2.15% |
10.95% |
|||||
|
For Cibil with ≥750 and ≤774 |
2.40% |
11.20% |
|||||
|
For Cibil ≥700 and ≤749 |
2.65% |
11.45% |
|||||
|
For Cibil ≥650 and ≤699 |
3.15% |
11.95% |
|||||
|
For Cibil ≤649 |
4.15% |
12.95% |
|||||
|
UCO Cash Loan: Other than Govt Employee |
|
|
|||||
|
For Cibil with ≥ 775 score |
2.90% |
11.70% |
|||||
|
For Cibil with ≥750 and ≤774 |
3.15% |
11.95% |
|||||
|
For Cibil ≥700 and ≤749 |
3.40% |
12.20% |
|||||
|
For Cibil ≥650 and ≤699 |
3.90% |
12.70% |
|||||
|
For Cibil ≤649 |
4.90% |
13.70% |
|||||
|
Non Salaried Class |
|
|
|||||
|
For Cibil with ≥ 775 score |
2.90% |
11.70% |
|||||
|
For Cibil with ≥750 and ≤774 |
3.15% |
11.95% |
|||||
|
For Cibil ≥700 and ≤749 |
3.40% |
12.20% |
|||||
|
|
|
|
|||||
2 |
UCO Securities |
2.85% |
11.65% |
|||||
|
|
|||||||
3 |
UCO 2-Wheeler |
Spread |
Effective ROI |
|||||
|
(a) General Category |
5.05% |
13.85% |
|||||
|
(b) Full Liquid Collateral |
4.05% |
12.85% |
|||||
|
(c) 50% Liquid Collateral |
4.55% |
13.35% |
|||||
|
|
|||||||
4 |
Uco 2-Wheeler Elite |
Spread |
Effective ROI |
|||||
|
For Cibil with ≥ 800 score |
0.95% |
9.75% |
|||||
|
For Cibil with ≥750 and ≤799 |
1.45% |
10.25% |
|||||
|
For Cibil ≥721 and ≤749 |
1.95% |
10.75% |
|||||
|
|
|
|
|||||
5 |
UCO Gold Loan Scheme (Priority Sector & Non Priorty Sector) |
Spread |
Effective ROI |
|||||
|
Margin Offered |
|
|
|||||
|
30% |
0.15% |
8.95% |
|||||
|
40% |
-0.05% |
8.75% |
|||||
|
Gold Loan OD 30% (NPS) |
0.35% |
9.15% |
|||||
|
|
|
|
|||||
6 |
Education Loan: UCO Udaan |
|||||||
a |
IBA |
Spread |
Effective ROI |
|||||
|
UP TO 7.5 Lacs |
2.65% |
11.45% |
|||||
|
ABOVE 7.5 Lacs |
2.25% |
11.05% |
|||||
|
|
|
|
|||||
b |
UCO Skill |
1.50% |
10.30% |
|||||
|
|
|
|
|||||
c |
Education Loan: UCO Udaan |
Spread |
Effective ROI |
|||||
|
For List 'A' Institute with Nil Collateral |
-0.25% |
8.55% |
|||||
|
For List 'B' Institute with Nil Collateral |
0.15% |
8.95% |
|||||
|
For List 'C' Institute with Nil Collateral |
1.85% |
10.65% |
|||||
|
For List 'A' Institute with at least 100% collateral |
-0.55% |
8.25% |
|||||
|
For List 'B' Institute with at least 100% collateral |
-0.25% |
8.55% |
|||||
|
For List 'C' Institute with at least 100% collateral |
0.85% |
9.65% |
|||||
|
For List 'A' Institute with less than 100% collateral |
-0.35% |
8.45% |
|||||
|
For List 'B' Institute with less than 100% collateral |
0.00% |
8.80% |
|||||
|
For List 'C' Institute with less than 100% collateral |
1.35% |
10.15% |
|||||
|
|
|
|
|||||
d |
Education Loans: Uco Utkarsh |
Spread |
Effective ROI |
|||||
|
For List 'A' Institute with Nil Collateral |
-0.15% |
8.65% |
|||||
|
For List 'B' Institute with Nil Collateral |
0.25% |
9.05% |
|||||
|
For List 'C' Institute with Nil Collateral |
1.95% |
10.75% |
|||||
|
For List 'A' Institute with at least 100% collateral |
-0.45% |
8.35% |
|||||
|
For List 'B' Institute with at least 100% collateral |
-0.15% |
8.65% |
|||||
|
For List 'C' Institute with at least 100% collateral |
0.95% |
9.75% |
|||||
|
For List 'A' Institute with less than 100% collateral |
-0.25% |
8.55% |
|||||
|
For List 'B' Institute with less than 100% collateral |
0.10% |
8.90% |
|||||
|
For List 'C' Institute with less than 100% collateral |
1.45% |
10.25% |
|||||
|
|
|
|
|||||
e |
Education Loan: Uco Aspire 2.0 |
Spread |
Effective ROI |
|||||
|
For Webometrics Ranking 'Upto 200' with at least 100 % Collateral |
-0.25% |
8.55% |
|||||
|
For Webometrics Ranking '201-500' with at least 100 % Collateral |
0.00% |
8.80% |
|||||
|
For Webometrics Ranking '501-1500' with at least 100 % Collateral |
0.25% |
9.05% |
|||||
|
For Webometrics Ranking 'Upto 200' with less than 100% Collateral |
-0.05% |
8.75% |
|||||
|
For Webometrics Ranking '201-500' with less than 100% Collateral |
0.25% |
9.05% |
|||||
|
For Webometrics Ranking '501-1500' with less than 100% Collateral |
0.75% |
9.55% |
|||||
|
|
|
|
|
|
|
||
f |
Education Loan: Uco PM Vidyalaxmi |
|
|
|||||
|
AAA |
-0.95% |
7.85% |
|||||
|
AA |
-0.70% |
8.10% |
|||||
|
A |
-0.55% |
8.25% |
|||||
|
B |
-0.25% |
8.55% |
|||||
|
C |
0.50% |
9.30% |
|||||
|
|
|
|
|||||
7 |
PENSION STP |
Spread |
Effective ROI |
|||||
a |
CUSTOMER |
3.30% |
12.10% |
|||||
|
UCO EX-STAFF |
2.30% |
11.10% |
|||||
|
|
|
|
|||||
8 |
UCO PENSION |
Spread |
Effective ROI |
|||||
|
CUSTOMER |
3.80% |
12.60% |
|||||
|
UCO EX-STAFF |
2.80% |
11.60% |
|||||
|
|
|
|
|||||
9 |
PQPL |
Spread |
Effective ROI |
|||||
|
775 and above |
2.70% |
11.50% |
|||||
|
750 to 774 |
3.45% |
12.25% |
|||||
|
725 to 749 |
3.95% |
12.75% |
|||||
|
|
|
|
|||||
10 |
SELECT PLUS |
Spread |
Effective ROI |
|||||
|
775 and above |
2.70% |
11.50% |
|||||
|
750 to 774 |
3.45% |
12.25% |
|||||
|
|
|
|
|||||
11 |
UCO AASHRAY |
Spread |
Effective ROI |
|||||
|
>800 |
-0.05% |
8.75% |
|||||
|
750-799 |
0.05% |
8.85% |
|||||
|
700-749 |
0.95% |
9.75% |
|||||
|
0,-1,<300 |
1.20% |
10.00% |
|||||
|
|
|
|
|||||
12 |
Other Retail Schemes |
Spread |
Effective ROI |
|||||
|
(i) UCO Swabhimaan |
3.30% |
12.10% |
|||||
|
(ii) UCO Rent |
|
|
|||||
|
(a) Owner of our Bank's Branch |
1.80% |
10.60% |
|||||
|
(a) To Owner of our Bank’s Branch Premises or where tenant is PSUs, Reputed Corporates, FI, Insurance Companies and MNCs |
1.95% |
10.75% |
|||||
|
(b) For others - repyament upto 36 Months |
2.65% |
11.45% |
|||||
|
(c) For others - repyament above 36 Months |
2.90% |
11.70% |
|||||
|
|
|
|
|
|
|
||
|
(iii) UCO Shopper |
Spread |
Effective ROI |
|||||
|
UCO Shopper-salary Tie up/ 100% Liquid security |
1.80% |
10.60% |
|||||
|
UCO Shopper- other cases |
2.80% |
11.60% |
|||||
|
|
|
|
|
|
|
||
|
(iv) UCO Property- Individuals |
Spread |
Effective ROI |
|||||
|
≥ 800 |
1.20% |
10.00% |
|||||
|
≥750 & ≤799 |
1.45% |
10.25% |
|||||
|
≥700 & ≤749 |
1.95% |
10.75% |
|||||
|
≥650 & ≤699 |
2.45% |
11.25% |
|||||
|
<650 |
2.95% |
11.75% |
|||||
|
|
|
|
|
|
|
||
|
(v) UCO Property-Firms/Companies |
Spread |
Effective ROI |
|||||
|
CMR 1 to CRM 2 |
1.20% |
10.00% |
|||||
|
CRM 3 to CMR 4 |
1.45% |
10.25% |
|||||
|
CRM 5 to CMR 6 |
1.95% |
10.75% |
|||||
|
CMR-7 and Above |
2.45% |
11.25% |
|||||
|
|
|
|
|||||
|
(vi) UCO CA |
2.80% |
11.60% |
|||||
|
||||||||
13 |
HOME LOAN |
Spread |
Strategic Discount |
Effective Rate |
||||
a |
Individuals |
|
|
|
|
|
||
|
For Home Loan (Borrowers with Cibil Score or Equivalent ≥825) (Uco Super Platina Customers) |
0.05% |
-0.95% |
7.90% |
||||
|
For Home Loan (Borrowers with Cibil Score or Equivalent ≥800 and ≤824) (Uco Platina Customers) |
0.15% |
-0.95% |
8.00% |
||||
|
For Home Loan (Borrowers with Cibil Score or Equivalent ≥750 and≤ 799) (Uco Premia Customers) |
0.25% |
-0.95% |
8.10% |
||||
|
For Home Loan (Borrowers with Cibil Score or Equivalent ≥700 and≤ 749) (Uco Optima Customers) |
0.50% |
-0.95% |
8.35% |
||||
|
For Home Loan (Borrowers with Cibil Score 0-1 or <300) (New To Credit) |
0.80% |
-0.95% |
8.65% |
||||
|
For Home Loan (Borrowers with Cibil Score ≥650 and ≤699) |
1.45% |
-0.95% |
9.30% |
||||
|
For Home Loan (Borrowers with Cibil Score ≥600 and ≤649) |
0.70% |
0.00% |
9.50% |
||||
|
Addl. Concession Takeover |
|
0.10% |
|
|
|
||
|
Addl. Concession Women Borrower |
|
0.05% |
|
|
|
||
|
|
|
|
|
|
|
||
b |
Uco Corporate Home Loan Scheme |
Spread |
|
Effective Rate |
||||
|
Corporates having Internal Credit Rating UCO5 and above |
2.55% |
|
11.35% |
||||
|
For Others |
3.55% |
|
12.35% |
||||
|
|
|
|
|
||||
c |
UCO TOP UP HOME LOAN |
Spread |
Strategic Discount |
Effective Rate |
||||
|
For Customers with CIBIL ≥800 |
0.60% |
-0.50% |
8.90% |
||||
|
For Customers with CIBIL ≥750 and ≤799 |
0.60% |
-0.30% |
9.10% |
||||
|
For Customers with CIBIL ≥700 and ≤749 |
0.80% |
-0.30% |
9.30% |
||||
|
For Customers with CIBIL ≥650 and ≤699 |
1.45% |
-0.15% |
10.10% |
||||
|
For Customers with CIBIL ≥649 |
2.30% |
0.00% |
11.10% |
||||
|
|
|
|
|
|
|
||
14 |
UCO CAR |
|
||||||
a |
Individuals with CIBIL SCORE |
Spread |
Strategic Discount |
Effective Rate |
||||
|
For CIBIL ≥ 800 |
|
-0.60% |
8.20% |
|
|||
|
For 750 ≤ CIBIL ≤799 |
0.10% |
-0.60% |
8.30% |
|
|||
|
For 700 ≤ CIBIL ≤749 |
|
|
|
|
|||
|
i)Rate for Category A |
0.20% |
-0.60% |
8.40% |
|
|||
|
ii)Rate for Category B |
0.30% |
-0.60% |
8.50% |
|
|||
|
iii)Rate other than for Category A and Category B |
0.40% |
-0.60% |
8.60% |
|
|||
|
For CIBIL 0 - 1 or < 300 |
|
|
|
|
|||
|
i)Rate for Category A |
0.45% |
-0.60% |
8.65% |
|
|||
|
ii)Rate for Category B |
0.55% |
-0.60% |
8.75% |
|
|||
|
iii)Rate other than for Category A and Category B |
0.65% |
-0.60% |
8.85% |
|
|||
|
For CIBIL 650 ≤ CIBIL ≤699 |
0.75% |
0.00% |
9.55% |
|
|||
|
For CIBIL 600 ≤ CIBIL ≤649 |
1.70% |
0.00% |
10.50% |
|
|||
|
|
|
|
|
||||
b |
BUSINESS CONCERN with CMR Ranking |
Spread |
Strategic Discount |
Effective Rate |
||||
|
CMR 1 to CMR 2 |
0.00% |
0.00% |
8.80% |
||||
|
CMR 3 to CMR 4 |
0.25% |
0.00% |
9.05% |
||||
|
CMR 5 to CMR 6 |
0.75% |
0.00% |
9.55% |
||||
|
Not Available |
1.25% |
0.00% |
10.05% |
||||
|
For purchase of Pre-used Car -Purchased from Certified Car Dealer |
2% over and above the applicable card rate |
||||||
|
For purchase of Pre-used Car - all Others |
3% over and above the applicable card rate |
||||||
|
|
|
|
|
|
|
||
c |
Based on External Rating |
|
||||||
|
AAA |
0.00% |
-0.30% |
8.50% |
||||
|
AA |
0.10% |
-0.30% |
8.60% |
||||
|
A |
0.20% |
-0.30% |
8.70% |
||||
|
BBB |
0.00% |
0.00% |
8.80% |
||||
|
Others |
0.25% |
0.00% |
9.05% |
||||
|
|
|
|
|
|
|
||
15 |
UCO CAR (EV) |
|
||||||
a |
Individuals with CIBIL SCORE |
Spread |
Strategic Discount |
Effective Rate |
||||
|
For CIBIL ≥ 800 |
|
-0.70% |
8.10% |
||||
|
For 750 ≤ CIBIL ≤799 |
0.10% |
-0.70% |
8.20% |
||||
|
For 700 ≤ CIBIL ≤749 |
|
||||||
|
i)Rate for Category A |
0.20% |
-0.70% |
8.30% |
||||
|
ii)Rate for Category B |
0.30% |
-0.70% |
8.40% |
||||
|
iii)Rate other than for Category A and Category B |
0.40% |
-0.70% |
8.50% |
||||
|
For CIBIL 0 - 1 or < 300 |
|
||||||
|
i)Rate for Category A |
0.45% |
-0.70% |
8.55% |
||||
|
ii)Rate for Category B |
0.55% |
-0.70% |
8.65% |
||||
|
iii)Rate other than for Category A and Category B |
0.65% |
-0.70% |
8.75% |
||||
|
For CIBIL 650 ≤ CIBIL ≤699 |
0.65% |
0.00% |
9.45% |
||||
|
|
|
|
|
||||
b |
BUSINESS CONCERN with CMR Ranking |
Spread |
Strategic Discount |
Effective Rate |
||||
|
CMR 1 to CMR 2 |
0.00% |
-0.10% |
8.70% |
||||
|
CMR 3 to CMR 4 |
0.25% |
-0.10% |
8.95% |
||||
|
CMR 5 to CMR 6 |
0.75% |
-0.10% |
9.45% |
||||
|
Not Available |
1.25% |
-0.10% |
9.95% |
||||
|
For purchase of Pre-used Car -Purchased from Certified Car Dealer |
2% over and above the applicable card rate |
||||||
|
For purchase of Pre-used Car - all Others |
3% over and above the applicable card rate |
||||||
|
|
|
|
|
|
|
||
c |
Based on External Rating |
|
||||||
|
AAA |
0.00% |
-0.40% |
8.40% |
||||
|
AA |
0.10% |
-0.40% |
8.50% |
||||
|
A |
0.20% |
-0.40% |
8.60% |
||||
|
BBB |
0.30% |
-0.40% |
8.70% |
||||
|
Others |
0.55% |
-0.40% |
8.95% |
||||
|
|
|
|
|
|
|
||
16 |
SURYODAYA SCHEME |
Spread |
Strategic Discount |
Effective Rate |
||||
a |
Capacity upto 3KW |
0.00% |
-2.30% |
6.50% |
||||
b |
Capacity above 3KW (Having Home Loan with us ) |
Applicable card rate for Fresh Home loans |
||||||
c |
Capacity above 3KW (Not having Home Loan with us ) |
1.00% over and above applicable card rate for Fresh Home loans |
||||||
Home Loan
Vehicle Loan
Personal Loan
Sme Loan
MCLR Linked Rate
Repo Linked Rate
