Head Office:

Risk Management Dept. Circular No.

1^' Floor, iO BTM Sarani /A Govt. of India Undertaking CHO/RM/t^/2020-21
Kolkota- 700 001
HONOURS YOUR TRUST Doted: 26-05-2020

TO ALL BRANCHES/OFFICES IN INDIA

Sub: Revision in Repo Linked UCO Float Rate.

Reserve Bank OF India has reduced the Repo rate by 0.40% from 4.40% to 4.00% on
22.05.2020. In view of this the Repo Linked UCO Float Rate stands revised w.e.f.
27.05.2020 as under.

Existing UCO Float Rate Revised UCO Float Rate w.e.f.

27.05.2020
7.30%( Existing Repo Rate 4.40% + 6.90% [ Revised Repo Rate 4.00% +
Spread 2.90%= 7.30%) Spread 2.90% = 6.90%)

Hence the interest rate on all Repo Linked Loans (i.e. all Retail and MSME Loans linked to
Repo Rate opened on or after 01/10/2019 vide our circular CHO/RM/25/2019-20 dated
30.09.2019) will get reset at revised UCO Float Rate effective from 27.05.2020.

The applicable Credit Risk Premium would continue to be charged at the existing levels.

All other terms shall remain unchanged.

With ds,

a
SrafijUCO
General Manager
%
Risk Management

dL

"WE SHALL MAKE UCO - A TOP CLASS

BANK"
 Annexure-I

Interest Rate structure applicable to different products / categories of Loans and Advances Linked to UCO Float:

w.e.f. 27.05.2020

UCO Float 6.9054

Particulars Credit Risk Premium Effective Ratej Considering UCO Float)

Effective rate mentioned In this circular with reference to UCO Float prevailing on the date of circular.

I Advances to Micro & Small Enterprises(MSE)

a) Total Funded Exoosure uo to FIs.ZS lacs 1.30% 8.20%
b) Total Funded Exoosure more than to Rs.ZS lacs and up to Rs.l.OI 2.30% 9.20%

crore

c) Total Funded Exposure more than Rs.1.00 crore As per Credit rating as under:
Interrtal Credit Ratine
UCOl 2.05% 8.95%

UCO 2 2.30% 9.20%

UCO 3 2.30% 9.20%
UCO 4 2.80% 9,70%
Below UCO 4 3.30% 10,20%
Note:
ID No Internal Is reoulred uoto Rs 1.00 cr
12) CGTMSE Cover is mandatory for loans and advances upto Rs 2.00 crs
Advances to Medium Enterprises Effective From 01.04.20 with reference to arcular no. CHO/RM/S4/2019-20 OT 31.03.20

a) Total Funded Exposure upto 1 cr 3.05% 9.95%

b)Total Funded Exoosure more than 1 crt As per Credit ratine as under:
Internal Credit Ratine
UCOl 2.80% 9.70%
UCO 2 3-05% 9.95%
UCO 3 3.05% 9,95%
UCO 4 3.55% 10.45%
Below UCO 4 4.05% 10.95%
Note:
III No Internal ratlns Is reaulred uoto Rs.1.00 crore.

(4) Above interest rates are not applicable for Loans to Retail Trade Sector / Loan under UCO Trader Scheme.
UCO Vyapar SmarlddhI
Funded exposure upto Rs 10 lakh 0.30% 7.20%

Funded exposure above Rs 10 lakh and upto Rs 25 lakh 1.30% 8.20%

Funded exposure above Rs 25 lakh and upto Rs 100 lakh 2.30% 9.20%

Mukhya Mantrl Swaiamban Yojana

a) upto Rs 10 lacs 0.30% 7.20%

b) Above Rs 10 lacs and upto Rs 40 lacs 1.30% 8.20%

UCO Roop Sangatn 0.30% 7,20%

PMECP 1.30% 8,20%

UCO BUNKAR RIN YOMNA

For Rs 50000/- 0.15% 7,05%

Above Rs 50000/- & upto rs 3.00 lakhs 1,15% 8,05%

Above Rs 3.00 lakhs and upto Rs 5.00 lakhs 1.65% 8,55%

Prime Minister's Mudra Yojana(PMMY) 0.30% 7,20%

TwoWheeier under Mudra Scheme 0.30% 7,20%

UCO PM CREDIT SCHEME FOR POWERLOOM WEAVERS UNDER MUDRA{upta 10 Ukhj

|a] Cah Credit 0.30% 7.20%

(b) Term Loan 0.30% 7.20%

UCO PM CREDIT SCHEME FOR POWERLOOM WEAVERS UNDER STANDUP INDIAjAbove 10 Lakh upto 2S lakhs)
(a) Cah Credrt 1.30% 8,20%

(bl Term Loan 1.30% 8,20%

UCO PM CREDH SCHEME FOR POWERLOOM WEAVERS UNDER STANDUP INDIA|Above 25 Lakh upto 1 Crore)
(a) Cah Credit 2.30% 9 20%

(b)Term Loan 2.30% 9.20%

TL Mudra E-Rlckshaw 0.30% 7.20%

Z UCO Estate Purchase loan Scheme

Rate Of Interest applicable to "Advances to Micro and Small Enterorlses'MSE) shall be aoplicable.
3 Iiro IJrivnrI hanrlhii Srheme

Total Funded Exposure:- Credit Risk Premium Effective Rate) Considering UCO Float)

(alUoto Rs 10.00 Lac 0.30% 7.20%

lb] Above Rs 10.00 Lac and uoto Rs 1.00 Crore 1.30% 8.20%

Ic) Above Rs 1.00 Crore As per Credit Ratine as under:

Internal Credit spread over UCO FLOAT Effective rale
Ratlna General Women Entrepreneurs

UCO 1 2.0S% 8.95% S.45%

UCO 2 & UCO 3 2.30% 9.20% 8.70%

UCO 4 2.80% 9.70% 9 20%

Below UCO 4 3.30% 10.20% 9 70%

■ Please note that for women Entrepreneurs the applicable rate of interest is 0.50K less than eNectlve rate of Interest applicable to general category

' jmm.\

i?>a V _/\i<\r^I</
4 UCO Mshlla Utthan Scheme Credit Risk Premium Effective Rate) Considering UCO Float)

Cash credli 0.30% 7 20%

Farllltv
5 Retail Trade Advances other than "XICO Trader Scheme"
lal Uoto Rs 2S lac 1.30% 8 20%
Ibl Above Rs 25 lacs uoto Rs 2 Crore 2.30% 9 20%

Id Above Rs 2 Crore As oer credit ratine as under:

1. UCOl 2.55% 9.45%

il, UC02/UC03 2.80% 9.70%

Hi. UC04 3.30% 10.20%

Iv RelowUrOd 3.80% 10 70%

Note:

111 No Credit Ratine is reoulred for loans uoto to Rs 100 Lacs

(2) Minimum Credit Rating required for allowing such loans above Rs. 100 lacs to Rs 200 lacs would be UCO 4
6 ARTISAN CReOIT CARD

|a| Cah Credit 1.30% S.20%

[b) Term Loan 1.30% 8.20%

7 SWAROJGAH CREDIT CARD

Cash Credit 1.30% 8.20%

8 Advances under UCO General Credit Card Scheme(U6CC) 0.30% 7.20%

9 1 ircn rnmmerrlal Vehicle FInanre Srheme

For Loans - Credit Risk Premium Effective Ratel Considering UCO Float)

1.30% 8 20%
lal Ubto RS.2S lacs
Ihl 4hnvp Rs 75 Isrs anti un to Rs.1.00 cr 2.30% 9.20%

10 ROI for Education Loans, UCO Doctor Scheme, Housing Loens end Retail Trade Advances has been given separately.

A Fdiiratlon loans:

2.15% 9.05%

More than RS.7.S0 lacs 2.55% 9.45%

Vocational Education Loan Scheme 2.80% 9.70%

UCO Skill Loan Scheme 1.65% 8 55%

Students satlsFvine DRI norms - Anv Amount 4.00%

Students satisfying 60% handicaoped criteria - Any Amount 4 00%

UCO premium Education Loan Scheme 1.30% 8.20%

UCO Aspire 0.50% rebate can be allowed to Girl Student and children 2.15% 9.05%

CM B.Ed Annapurna Tojana 2.15% 9.05%

UCO Super Premier Education Loan Scheme 0.15% 7.05%

B UCO Trader Scheme:

ROI to Loans and Advances under UCO Trader Scheme

1.30% 1 8.20%
(bl Above Rs.1.00 Crore uoto rs 5 Crore As per Credit rating as under:
Internal Credit Ratine
UCO 1 2.30% 9.20%

UCO 2/ UCO 3 2.55% 9 45%

UCO 4 2.80% 9.70%

Below UCO 4 3.10% 10.00%

1.30% 8 20%

2.30% 9 20%

Id Above Rs.1.00 crore As per Credit rating as under:

UCO 1 2.05% 8 95%

2.30% 9.20%

UCO 3 2.30% 9.20%

2.80% 9.70%

Below UCO 4 3.30% 10.20%

Note; CGTMSE Cover Is compulsory for loans uoto Rs.Z.OO crore.

0
(»
3.15% 10 05%

2.90% 9 80%

(il
3.30% 10.20%
2.30% 9.20%

3.40% 10.30%
1111) UCO Securities

^lUCO^
%
 (Iv) UCO 2-Wheeler
(at (ieneral Cateeorv 4.55%
(b) Full Uauld Collateral 3.55%
Id 50% Uauld Collateral
4.05%
(V) HOMk LOAN
For Home Loan (Borrowers with Clbll Score or Eoulvalent >7501 0.00%
For Home Loan (Borrowers with Clbll Score or Eoulvalent <»7S01 0.10% 7.00%

For Home Loan (Borrowers with Clbil Score or Eoulvalent >7501 0.00%
for Home Loan (Borrowers with Ctbil Score or Eoulvalent <"7501 0.10%
PMAY-MIG
For Home Loan (Borrowers with Clbll Score or Eoulvalent >7501 0.00%
For Home Loan (Borrowers with Clbll Score or Eoulvalent <"7501 0.10%
NKI HOME LOAN
For Home Loan (Borrowers with Clbll Score or Eoulvalent >7501 0.00%
For Home Loan (Borrowers with Clbll Score or Eoulvalent <«7501 0.10%
tAKtOWkHHOIMELOAN ' — '
For Home Loan (Borrowers with Clbil Score or Eouivatent >7501 0.00%
For Home Loan (Borrowers with Obil Score or Eoulvalent <=7501 Q.10%
IN t EKtST CAPITALISATION
For Home Loan 1 Borrowers with Clbll Score or Eoulvalent >7501 0.00%
For Home Loan (Borrowers with Cibil Score or Eoulvalent <=7501 0.10%
UCO TOP UP HOME LOAN
1.55%
UCO CORPORATE HOME LOAN -COflPORATES 2.30%
UCO CORPORATE HOME LOAN-OTHERS 3.30%
(Vl) UCO Car ■ —
For purchase of new Car having repayment period upto 7 years 0.55% 7.45%

For purchase of Pre-used Car -Purchased from Certified Car Dealer 1.65% 8.55%

For purchase of Pre-used Car - all Others

2.15% 9.05%
UCO Car Loan Combo Scheme 0.30% 7.20%

(vllj UCO Gold Loan Scheme •

PrlorltySector
|c) Gold Loans(PS) for Retail Assets Products 0.35% 7 25%

Non Priority Sector

!dj Gold Loans(NPS) for Retail Assets Products 3.30% 10.20%
(vlll) Other Schemes "
1) UCOSwabhiman 2.80%
111 UCO Rent
al Owner of our Bank's Branch 1.30%
a) To Owner of our Bank's Branch Premises or where tenanl Is PSUs, 1.45% 8 35%
Reputed Corporaies, Fl, Insurance Companies and MNCs

b] For others • repyamenrt upto 36 Months 2.15% 9.05%

cl For others - repyamenrt above 38 Months 2.40% 9 30%
d) Commercial Real Estate 2.6S%
ill) UCO Earnest Uonev 1.45%
vl Commercial Real Estate
vl UCO Real Estate 6.20%
vi) UCO Shopper-salary Tie up/ 1(X)% Liquid security 1.30% 8.20%

UCO Shoooer- other cases 2.30%

vill UCO Property-Prioritv Sector 2.30%
UCO Prooertv- Non Priority Sector 3.30%
vlill UCO CA 2.30% 9.20%

wtuld be guided by the UlcilMSME Policy 1019 deled 02.0tl.2ai9 beicd on Ihc i|uanluniiirinvc9tmenl by Ihc i i.Luanj under Medium KiKerprltee also linked to tCO Float Hale
w.e.flll.04.2fi

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