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UCO Bank Personal Loan

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Valid till 30th April '26 *T&C Apply
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Get up to ₹50 Lakhs starting at 9.98%

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₹65k Cr+Loans Disbursed
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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

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

Apply Now

About UCO Bank Personal Loan

  • Interest rate: 9.95%-13.20% p.a.
  • Loan Amount: Up to Rs 20 lakh
  • Tenure For State/Central Government Employees: Up to 7 years
  • For other than government employees: Up to 5 years
  • For Pensioners: Up to 4 years
  • Processing Fees: 1% of the loan amount (Minimum Rs 750)

Rates as of 15th April 2026

UCO Bank Personal Loan Interest Rates

UCO Bank Personal Loan interest rates start from 9.95% p.a. Below-mentioned are the interest rates of UCO Bank Personal Loan based on the job profile and CIBIL score:-

Floating Interest Rates

UCO Cash Loan: For Central & State Government Employees Having Salary Account with UCO Bank

CIBIL Score Interest Rates (p.a.)
800 and above 9.95%
775-799 10.20%
750-774 10.45%
700-749 10.70%
650-699 11.25%
649 or below 12.20%

UCO Cash Loan: For Central & State Government Employees Not Having Salary Account with UCO Bank

CIBIL Score Interest Rates (p.a.)
800 and above 10.20%
775-799 10.45%
750-774 10.70%
700-749 10.95%
650-699 11.45%
649 or below 12.45%

UCO Cash Loan: Other Than Government Employees

CIBIL Score Interest Rates (p.a.)
800 and above 10.95%
775-799 11.20%
750-774 11.45%
700-749 11.70%
650-699 12.20%
649 or below 13.20%

UCO Cash Loan: For Non-Salaried Applicants

CIBIL Score Interest Rates (p.a.)
800 and above 10.95%
775-799 11.20%
750-774 11.45%
700-749 11.70%

UCO Cash STP
Central/State Government Salaried

CIBIL Score Interest Rates (p.a.)
825 and above 10.00%
800-824 10.25%
775-799 10.45%
750-774 11.45%

UCO Bank Personal Loan Fees and Charges

Processing Fee

UCO Cash 1% minimum Rs 750
UCO Pensioner NIL

Also check the processing fee for personal loan.

Documentation Charges

Up to Rs 25,000 NIL
Above Rs 25,000 up to Rs 2 lakh Rs 350
Above Rs 2 lakh up to Rs 5 lakh RS 1,500
Above Rs 5 lakh up to Rs 10 lakh Rs 2,200
Above Rs 10 lakh up to Rs 25 lakh Rs 2,500
Above Rs 25 lakh up to Rs 50 lakh Rs 4,500
Above Rs 50 lakh up to Rs 5 crores Rs 6,000
Above Rs 5 crores Rs 15,000

Types of UCO Bank Personal Loan

UCO Cash

Purpose: Personal loan scheme for meeting the personal requirements like marriage, education, social obligations, agricultural needs, etc. of employees of Central/State government and private universities/colleges/school teaching staff

Loan Amount:

  • For Central/State Government Employees-
    • Employees maintaining their salary accounts with UCO Bank- 20 times of gross monthly income subject to a maximum of Rs 20 lakh.
    • Employees not maintaining their salary accounts with UCO Bank-5 times of gross monthly income subject to a maximum of Rs 5 lakh.
  • For other than government employees- 10 times of gross monthly income subject to a maximum of Rs 10 lakh.
  • For non-salaried individuals- 5 times of gross monthly income subject to a maximum of Rs 5 lakh.

Tenure:

  • For Central/State Government Employees- Up to 7 years
  • For other than government employees- Up to 5 years
  • For non-salaried- Up to 5 years

Processing Fee: 1% of the loan amount (minimum Rs 750)

UCO Pensioner Loan

Purpose: Pension loan offered to pensioners/family pensioners receiving pension through UCO Bank to meet the expenses related to medical treatments, marriage, education, home improvement, mediclaim premium payments, travel, funeral and agricultural needs of self and dependents

Loan Amount:

12 times of monthly pension subject to –

  • Maximum Rs 10 lakh for age group up to 70 years.
  • Maximum Rs 5 lakh for the age group above 70-74 years.

For family pensioners/pensioners without family pension provision/pensioners where the spouse has died before- 10 times monthly pension subject to a maximum of Rs 3 lakh.

Tenure:

  • Up to 4 years, before the pensioner reaches 75 years of age
  • For family pensioners/pensioners without family pension provision/pensioners where spouse has died before- Up to 4 years or before the pensioner reaches 72 years of age

Processing Fee: NIL

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Eligibility Criteria for UCO Bank Personal Loan

For UCO Cash

  • The minimum age of the personal loan applicants should be 21 years.
  • Applicants of Central/State Government (Departments/Undertakings/Entities, Autonomous Bodies, Public Sector Undertakings, Educational Institutions/Aided educational institutions) are eligible for UCO Cash Personal Loans. In the case of Autonomous Bodies, the applicant should have completed at least 1 year in the same organisation and should be a permanent employee.
  • Applicants working in Private Universities/Colleges/Schools Teaching Staff & employees of Ltd. & Private Ltd. Companies are also eligible for the personal loan. Stated below are the eligibility criteria-
    • The applicant should be a permanent and confirmed employee.
    • The minimum work experience should be 2 years in the same organisation.
    • The salary account of the applicant should be maintained with UCO Bank.
  • Non Salaried applicants can also apply for personal loans, subject to the following income criteria. The bank may consider other income like rent, interest, dividend, etc. for calculating the eligible loan amount subject to documents submitted like IT Returns.
    • Gross monthly income up to Rs 1 lakh – The net take-home pay should be a minimum of 40% of gross salary (subject to a minimum monthly take-home pay of Rs 15,000).
    • Gross monthly income above Rs 1 lakh- 30% of gross salary.

For UCO Pensioner Loan

  • Family Pensioner, i.e., the spouse of a deceased pensioner.
  • Pensioners without the provision of family pension.
  • Pensioners where the spouse is predeceased.

UCO Bank may also check credit score of its personal loan applicants, just like other lenders do while setting the personal loan eligibility criteria of their applicants.

Documents Required for UCO Bank Personal Loan

For UCO Cash

  • PAN Card
  • Identity proof: Passport, Voter ID, Driving License, Aadhaar
  • Address proof: Ration Card, Bank Statement, Passport, Driving License, Electricity Bill, Telephone Bill, Sale Deed/Property purchase agreement(for owned properties), Aadhaar Card
  • Income proof: Bank Account Statement, Salary Slips, P&L Statements, Certified IT returns

For UCO Pension Loan

  • Identity Proof (any one) – Voter’s Identity Card/PAN Card/Aadhaar Card/Passport/Driving Licence
  • Address Proof (any one) – Voter’s Identity Card/Aadhaar CardPassport/Driving Licence/Ration Card
  • Copy of pension payment order (PPO)
  • Two Passport size photographs of applicant(s) and guarantor(s)
  • Statement of Means of applicant(s) and guarantor(s)
  • Additional documents, if any

UCO Bank Customer Care

  • You can call on 1800-274-0123
  • You can send an email to customercare.calcutta@ucobank.co.in
  • You can also visit the nearest UCO Bank branch to get answers to your queries

Important Aspects

Following are some of the important aspects that need to be considered while applying for personal loan:

  • Make sure you check your credit score before applying for a loan. Usually 750 and above is considered an ideal credit score for successful personal loan application
  • Read the terms and conditions along with applicable charges and fees before you opt for a personal loan
  • Compare personal loan through multiple options such as loan principal, rate of interest, loan tenure and others with different lenders
  • Always check your monthly EMI before applying for a personal loan and choose the tenure wisely. If your EMI is too high, it increases your risk of default while too low an EMI increases your total interest pay out

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

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

Apply Now

Avail Personal Loan for
All Your Needs

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Avail Personal Loan for
All Your Needs

FAQs

UCO Bank offers personal loans at floating rates only.

The applicants are not required to provide any security to UCO Bank while applying for UCO personal loan. However, the applicants availing UCO Pensioner Loan need to provide personal guarantee of spouse eligible to receive family pension in case of death of the pensioner. In case of war widows, a third party guarantee having sufficient income is provided to the bank.

UCO Bank has not mentioned a cut-off credit score for its personal loan applicants. However, a credit score of 750 and above usually increases the chances of availing personal loan at lower interest rates.

To avail personal loan from UCO Bank, the applicants should have a salary account with the bank.

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What our customers say

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026
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