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UCO Bank Home Loan

UCO Bank offers home loans @ 7.40% p.a. onwards for tenures of up to 30 years and loan amounts of up to 90% of the property’s cost. The bank also offers 0.10% interest rate concession to home loan balance transfers from other lenders. It also offers pre-approved home loans to select customers even before the finalisation of the property, with in-principle sanction valid for 4 months.
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Lowest interest rates starting from 7.1%

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15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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Competitive Interest Rates

Starting 7.10% p.a.

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HDFC Bank
Min Loan Amt. ₹15L
Rate of Interest7.2% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
ICICI Bank
Min Loan Amt. ₹15L
Rate of Interest7.65% - 9.80%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
Axis Bank
Min Loan Amt. ₹30L
Rate of Interest8.35% - 11.90%
Tenure uptoUpto 30 Years
Processing Fee₹ 14,000
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How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

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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)

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%

Compare Interest Rates on Home Loans for Top Banks & HFC’s

Name of Lender Loans of Up to Rs. 30 Lakh
Bank of India 7.10% p.a. onwards Check Eligibility
State Bank of India 7.25% p.a. onwards Check Eligibility
Punjab National Bank 7.20% p.a. onwards Check Eligibility
Canara Bank 7.15% p.a. onwards Check Eligibility
HDFC Bank 7.90% p.a. onwards Check Eligibility
Bajaj Housing Finance 7.40% p.a. onwards Check Eligibility
ICICI Bank 7.65% p.a. onwards Check Eligibility
Axis Bank *8.25% p.a. onwards Check Eligibility
Federal Bank *7.90% p.a. onwards Check Eligibility
Kotak Mahindra Bank 7.70% p.a. onwards Check Eligibility
IDFC FIRST Bank 8.85% p.a. onwards Check Eligibility
IDBI Bank 7.35% p.a. onwards Check Eligibility
RBL Bank 8.20% p.a. onwards Check Eligibility
Tata Capital Housing Finance 7.75% p.a. onwards Check Eligibility
PNB Housing Finance *7.20% p.a. onwards Check Eligibility
Sammaan Capital
(Formerly known as Indiabulls Housing Finance) 		8.75% p.a. onwards Check Eligibility
India Shelter Home Loan 8.43% p.a. onwards Check Eligibility
L&T Finance Limited *8.40% p.a. onwards Check Eligibility
Godrej Housing Finance 7.75% p.a. onwards Check Eligibility
Home First Finance 8.00% p.a. onwards Check Eligibility
Easy Home Finance 8.99% p.a. onwards Check Eligibility
Piramal Capital Housing Finance *8.25% p.a. onwards Check Eligibility
Shubham Housing Finance 10.45% p.a. onwards Check Eligibility
Punjab & Sind Bank 7.30% p.a. onwards Check Eligibility
Jio Housing Finance 8.20% p.a. onwards Check Eligibility
HDFC Sales Pvt Ltd 7.90% p.a. onwards Check Eligibility

UCO Bank Home Loan Processing Fees and Charges

Particulars Applicable Charges
Processing Fee
  • UCO Top-Up Home Loan - 0.10% of the loan amount, maximum Rs. 10,000
  • UCO Home - 0.5% of the loan amount, minimum Rs.1,500 & maximum Rs. 15,000
  • UCO Pre-approved Home Loan - 0.25% of the pre-approved loan amount, minimum Rs. 1,000 & maximum Rs. 10,000
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

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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

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

How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

Apply Now

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FAQs

How is UCO Bank Home Loan eligibility determined?

The eligibility of home loan applicants is determined on the basis of their income and repayment capacity.

Can I choose between fixed and floating rates from UCO Bank home loan?

UCO Bank offers home loans at floating rates only.

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?

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.

What is the minimum credit score required to avail home loans from UCO Bank?

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.

What are the different modes of EMI payment available for UCO Bank home loans?

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.

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What our customers say

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Office ke chalte jyada samay nahi nikal pata tha. Paisabazaar ke online process ki wajah se na hi mene banks ke rates compare karliye ghar bathe balki mera loan application aur disbursal bhi ghar bathe hi ho gaya...bank jana hi nahi pada...

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Pradeep SinghJan 7, 2026

Kam rates pe loan mila

Paisabazaar se mujhe bahut kam rate pe loan mil gaya...isse mere budget pe jada asar nahi pada aur jald hi mera apna ghar ho jayega..

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Nidhi SharmaJan 6, 2026

eligibility check ho jati hai free

me home loan lene ka soch raha tha uske liye mene pehle paisabazaar app se free me apni eligibility check ki..usse mujhe pata chala muje kya cheeze improve karni hai aur fir mera loan jaldi approve ho gaya.

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Shikhar SahuJan 5, 2026

Home loan mila yaahaan par

Mujhe home loan chahiye tha aur yahaan par sahayta kiya inhone aur loan mila. Pehla loan tha mera lekin sab ache se ho gaya.

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Prem Prakash PandeyDec 7, 2025

Home loan here

I took home loan here and they helped me in every step specially in collecting and submitting documents at the time of approval.

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Chandan SinghDec 1, 2025

Got the best home loan interest rate

I was confused and did not have so much time to carry out all the research, so I logged in to Paisabazaar’s portal and was able to see the home loan options I was eligible for. With the assistance of Paisabazaar’s experts, I was able to find the home loan that offered the rate of interest I could afford. Thank you Paisabazaar!

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Anu BhatnagarSep 10, 2021

Excellent Home Loan Service by Paisabazaar

Ended up taking an ICICI Home Loan and I think it was one of the best decisions I ever made. I thank Paisabazaar for helping me out and answering my questions with so much patience.

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KJ ThomasSep 10, 2021

Had a great experience with Paisabazaar

I have always heard my friends talking about how tedious it was for them to avail a home loan and decide the most suitable option. But with the help of Paisabazaar, I was able to compare several home loans and opt for the one that suited my needs. I am happy that I considered Paisabazaar for helping me.

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Ritesh SharmaSep 10, 2021

quick and easy home loan process

I had never thought that applying for a home loan could be so easy. The entire process was online and I didn’t have to go anywhere for application or documentation of my home loan. Paisabazaar experts helped me navigate through the process and later the bank collected my documents and everything was quick and seamless.

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Rupanjali MishraSep 3, 2021

Satisfied experience with Paisabazaar

I am satisfied with my home loan experience with Paisabazaar. I could easily compare different home loan options and apply for the home loan. Their customer care team also called me to confirm all the details and soon after the bank contacted to take the process forward. The process was really smooth.

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Soumil KhannaSep 3, 2021
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