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UCO Bank Personal Loan

UCO Bank offers personal loans @ 10.20% p.a. onwards for loan amounts of up to Rs 20 lakh and for tenures of up to 7 years. UCO Bank Personal Loan to pensioners is offered @ 11.60% p.a. onwards for loan amounts of up to Rs 10 lakh and for tenures of up to 4 years.

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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 Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹40L
Rate of Interest9.99% - 17.15%
Tenure upto1-5 Years
Processing Fee1% - 1.5%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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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

About UCO Bank Personal Loan

  • Interest rate: 10.20%-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)

UCO Bank Personal Loan Interest Rates

UCO Bank Personal Loan interest rates start from 10.20% 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

CIBIL Score Interest Rates (p.a.)
775 and above 10.20%
750-774 10.45%
700-749 10.70%
650-699 11.20%
649 or below 12.20%

UCO Cash Loan: For Applicants Not Having a Salary Account with UCO Bank

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

UCO Cash Loan: For Applicants Other Than Government Employees

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

UCO Pensioner Loan

Applicant Type Interest Rate (p.a.)
STP 11.60%
General Public 12.10%

Fixed Interest Rates

Applicant Type Interest Rates (p.a.)
For male applicants 12.25%
For female applicants 12.00%

UCO Pensioner Loan

Applicant Type Interest Rate (p.a.)
General Public 12.40%

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

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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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Last updated: 29 August, 2025

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