Particulars

Details

Purpose

• To meet the short term credit requirements for cultivation of Crops.
• Post-harvest expenses.
• Produce marketing loan.
• Consumption requirement of farmer household.
• Working Capital for maintenance of farm assets and activities allied to agriculture like dairy animals, inland fishery etc.

Eligibility Criteria

Only individual borrowers who are Land owner and cultivators

Present availability of application

Presently the STP Fresh KCC is available for the below mentioned states:-
• Odisha
• Uttar Pradesh



• Madhya Pradesh


• Maharashtra

• Tamil Nadu
• Tripura
• Andhra Pradesh
• Chhattisgarh
• Rajasthan

Nature of facility

Working Capital

Minimum & Maximum Loan Amount

Minimum: Rs.10,000/-(Ten Thousands)
Maximum: Rs.2,00,000/-(Two Lakh only)

Credit Score Requirement

Minimum 650 CIBIL score required.
(There should not be any SMA2/NPA /Restructured/Write-off account in CIBIL)

Margin

Not Required

Repayment Tenor

The Kisan credit card should be normally valid or 5 years subject to annual review.

Security

No collateral security is required.

Rate of Interest (Floating)

7 % p.a Fixed

Interest Subvention

1.5% up to Limit of Rs. 2 lacs 

Prompt Repayment Incentive (PRI)

3 % up to Limit of Rs. 2 lacs.

Documentation

Manual or E-sign mode of documentation

Point of Contact

For any query please contact Base Branch Customer Care: 1800 8910
Email:- mailto:digital.lending@ucobank.co.in

Quick Links

RBI Sachet Portal

Nodal Grievance Redressal Officer for FinTech/ Digital lending

Chief Manager, OSD & Transaction Monitoring Vertical, 1st Floor, 2 India Exchange Place, Kolkata 700001, Ph.:033 44557120.

Website link of Nodal grievance redressal officer:

https://ucobank.com/nodal-grievance-redressal-officer-for-fintech/-digital-lending

Link for online complaint lodgement:

https://spgrs.ucoonline.in