UCO Bank offers Personal Loan scheme to meet the domestic needs like marriage, medical, traveling and other social obligations

Eligibility for UCO Bank Personal Loan

Permanent Employees or those who have completed 3 years of service. Minimum take-home pay should be 40% of gross salary after all deductions including EMI against this loan. Regular income may also be reckoned for eligible quantum.

Apply For UCO Bank Personal Loan

Quantum of loan:

90% of the proposed expenditure or Rs. 2 Lacs whichever is lower. Additional amount may be sanctioned within the quantum ceiling to the existing eligible borrowers.


Loan will be on clean basis with two guarantors – Spouse and other than Spouse having equal income with that of the applicant.


The loan amount with interest is repayable in 48 EMIs through salary deduction of employee borrower. But one year before retirement.

UCO Bank Personal Loan Service Charge:

1% (minimum Rs.500/-)

UCO Bank Personal Loan Interest Rates

  Rate of Interest as per BPLR System
Particulars Spread over BPLR Effective Rate
General Category   15.00%
Interest Rate Structure for Special Category (Secured) Advances:    
a)Non Priority Sector Personal Loans    
Facilities having Maturity of less than 3 years 3.00% 18.00%
Facilities having Maturity of 3 years or more 3.00% 18.00%

UCO Bank Personal Loan EMI Calculator
UCO Bank Personal Loan EMI Calculator