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Disclaimer: UCO Bank is not a Paisabazaar partner and all content herein is strictly informative in nature. Paisabazaar is not affiliated with, sponsored by or in any way connected to UCO Bank for home loans. No offers/services from UCO Bank are being provided by Paisabazaar for home loans. For further information about UCO Bank for home loans, users are required to reach out directly to UCO Bank.
| UCO Bank Home Loan Highlights | |
| Interest Rate | 7.40%-9.50% p.a. (Additional 0.10% concession on balance transfer) |
| Loan Tenure | Up to 30 years |
| Loan-to-Value Ratio | Up to 90% of the property value |
| Processing Charges | 0.50% of the loan amount (Min. Rs 1,500 and Max. Rs 15,000) |
Note: Last updated on 1 September 2025
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| Table of Contents |
UCO Bank Home Loan Interest Rates
UCO Bank Home Loan interest rates start from 7.40% p.a. The bank provides an interest rate concession of 0.05% to female applicants. Moreover, the bank also offers an additional concession of 0.10% on home loan interest rates for balance transfers. Most home loan lenders usually consider their applicant’s occupation profile, employer’s profile, monthly income, etc., while setting their home loan interest rates.
Below-mentioned are the interest rates of UCO Bank Home Loan based on the loan amount and CIBIL score:-
| CIBIL Score | Interest Rates (p.a.) |
| 850 & above (UO Super Platina Customers) | 7.40% |
| 825 to 849 (UCO Super Platina Customers) | 7.50% |
| 800-824 (UCO Platina Customers) | 7.60% |
| 750-799 (UCO Premia Customers) | 7.80% |
| 700-749 (UCO Optima Customers) | 8.10% |
| 0-1 or less than 300 | 7.65% |
| 650-699 | 8.40% |
| 600-649 | 9.50% |
UCO Top-Up Home Loan
| CIBIL Score | Interest Rates (p.a.) |
| 850 & above (UO Platina Customers) | 8.40% |
| 825 to 849 (UCO Premia Customers) | 8.75% |
| 800-824 (UCO Optima Customers) | 9.00% |
| 750-799 | 9.35% |
| 700-749 | 9.50% |
| 650-699 | 11.00% |
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Compare Interest Rates on Home Loans for Top Banks & HFC’s
UCO Bank Home Loan Processing Fees and Charges
| Particulars | Applicable Charges |
| Processing Fee |
|
| Prepayment Charges | Nil |
| Documentation Charges | Nil |
| CIBIL – Report Pulling Charges | Nil |
| Inspection Charges | Nil |
Know more about the home loan processing fees charged by top banks and HFCs
Types of UCO Bank Home Loan Schemes
UCO Home
Purpose: UCO Bank offers regular home loan scheme for purchase/construction of flat/house, extension/repair/renovation of existing house/flat up to 50 years old, plot purchase for residential purpose and purchase of house/flat up to 40 years old. Consumers can also avail UCO Home Loan scheme to purchase flat in a registered Co-operative Society/from builders or developers/from Urban or Municipal Development Authority/from Government bodies. UCO Home Loan scheme also facilitates transfer of existing home loans from other banks and HFCs to UCO Bank at lower interest rates.
Loan Amount:
- For purchase/construction/takeover/extension: No upper limit
- For repair/renovation: Up to Rs 50 lakh
LTV Ratio:
| Loan amount up to Rs 30 lakh | 90% |
| Loan amount Rs 30 lakh-Rs 75 lakh | 80% |
| Loan amount above Rs 75 lakh | 75% |
Tenure: Up to 30 years or up to 75 years of age of the borrower
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UCO Pre-Approved Home Loan
Purpose: UCO Bank provides UCO Pre-approved Home Loan scheme for in-principle sanction of home loan based on the home loan eligibility of the applicants even before the applicant has finalized the property. The pre-approved sanction remains valid for 4 months.
Loan Amount:
- For purchase/construction/takeover/extension: No upper limit
- For repair/renovation: Up to Rs 50 lakh
LTV Ratio:
| Loan amount up to Rs 30 lakh | 90% |
| Loan amount Rs 30 lakh-Rs 75 lakh | 80% |
| Loan amount above Rs 75 lakh | 75% |
UCO Top-up Home Loan
Purpose: UCO Bank offers Top-up Home Loan scheme to its existing home loan borrowers, over and above the existing home loans, to meet their various financial needs related to education, repair, renovation, home furnishing, agriculture, business, etc.
Loan Amount:
- Term Loan: Rs 1 lakh-Rs 2 crore
- Overdraft: Up to Rs 2 lakh or 10% of original housing loan
Tenure: Co-terminus with the original home loan or before the borrower reaches 75 years of age
Eligibility Criteria for UCO Bank Home Loan
- Minimum age at the time of loan application: 21 years
- Maximum age at the time of loan maturity- 75 years
- Nationality- Resident Indian, NRI, PIO
For UCO Top-up Home Loan
- Existing home loan borrowers can avail Top-up Home Loans
- There should be no overdue in the existing home loan account
- Top-up Home Loans are offered only for fully constructed properties
- Valid mortgage created in favour of the bank
Check your Home Loan Eligibility with Top Banks & HFCs Click Here
UCO Bank Home Loan EMI Calculator
Home Loan EMI Calculator
₹
%
Year(s)
Home Loan EMI Calculator
Monthly EMI ₹ 15,622
Total Amount Payble ₹ 5,62,395(Principal + interest)
Principal Amount ₹ 5,00,000
Total Interest Payble ₹ 62,395
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FAQs on UCO Bank Home Loan
1. How is UCO Bank Home Loan eligibility determined?
Ans. The eligibility of home loan applicants is determined on the basis of their income and repayment capacity.
2. Can I choose between fixed and floating rates from UCO Bank home loan?
Ans. UCO Bank offers home loans at floating rates only.
3. If the plot of land is in the name of the wife who does not earn, but husband is an earning member. Will the home loan be granted to them?
Ans. Yes, in such cases home loan can be jointly availed by husband and wife, where husband will be the main applicant and wife will be the co-applicant.
4. What is the minimum credit score required to avail home loans from UCO Bank?
Ans. UCO Bank has not specified the cut-off credit score for home loan applicants. However, UCO Bank offers lower interest rates to applicants having higher credit scores. For instance, home loan applicants having credit scores of 730 and above are offered lowest home loan interest rates followed by those having credit scores below 730.
5. What are the different modes of EMI payment available for UCO Bank home loans?
Ans. EMI payment can be made from your own savings account/current account maintained with the bank through E-banking/M-banking/giving instructions to the branch. If the savings bank account is maintained with another bank, then you can get ECS mandate registered with UCO Bank for automatic deduction of home loan EMIs from that bank.
6. Can I prepay my home loan availed from UCO Bank?
Ans. You can prepay your home loan availed from UCO Bank. The bank does not levy any prepayment charges on home loans at floating rates.