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UCO Bank Personal Loan Interest Rates 2022


The offered rate of interest on UCO Bank personal loan varies based on various factors. UCO Bank personal loan is available under multiple schemes to cater to several funding needs of the borrowers. UCO Bank offers a personal loan at a low interest rate starting from 9.85% p.a. A high loan amounts up to Rs. 10 lakhs can be availed as a personal loan for a flexible repayment tenure ranging between 12 months up to 60 months.

UCO Bank Personal Loan Interest Rate and Charges 2021

The following are the generic interest rates applicable to UCO Bank's loan based on various factors like the loan scheme, applicant type, relationship with the bank, etc.

Type of Personal Loan

Interest Rate (p.a.)

UCO Cash (Women)

10.95% onwards

UCO Cash (Men)

11.20% onwards

UCO Pensioner Loan (for UCO staff pensioners)

10.35% onwards

UCO Pensioner Loan (for other pensioners)

11.35% onwards

UCO Shopper Loan Scheme (salary tie-in/secured)

9.45% onwards

UCO Shopper Loan Scheme (others)

10.45% onwards

What are the factors that affect UCO Bank Personal Loan Interest Rates?

  • Repayment capacity: Repayment capacity is one of the crucial factors considered for interest rates. If the bank is convinced with your repayment capacity, then it may offer you a personal loan at a low rate of interest. 
  • Gender: You can get a different rate of interest as per your gender. UCO Bank offers lower interest rates to women applicants.
  • Relationship with UCO Bank: Generally, banks charge a lower rate of interest on personal loans to the high-valued existing customers. So, if you are an existing customer of UCO Bank and have a healthy relationship with it, then the bank may agree to offer you a preferential rate of interest.
  • Credit score: A credit score shows whether you are capable or not to pay your loan EMIs and bills on time. Usually, an applicant with a high score has a higher chance of getting a personal loan at a low-interest rate.
  • Loan term: If you get a personal loan for a longer period, it will reduce your monthly payment and you can easily repay the loan. This will also help you to get a lower rate of interest on a personal loan. You can calculate and find out the right tenure for you by using UCO Bank personal loan EMI calculator
  • Employment: While deciding the interest rate, lenders look at the borrower employment type. So, if you are a permanent employee of a government organization or reputed private organization, then the bank can offer you lower interest rates. UCO Bank offers a personal loan under different schemes for both salaried and non-salaried individuals.

How do UCO Bank loan interest rates compare with other personal loans?

The offered rate of interest differs depending on many factors such as the applicant’s profile, availed loan scheme, and others. The below provided personal loan interest rates are generic ones.  


Interest Rate

Punjab National Bank

9.95% - 14.50% p.a.

SBI Personal Loan

9.60% p.a. onwards

HDFC Bank Personal Loan

10.75% - 21.50% p.a.

Axis Bank Personal Loan

12% - 24% p.a.

Fullerton India Personal Loan

11.99% - 36% p.a.

Aditya Birla Personal Loan

14% p.a. onwards

Tata Capital Personal Loan

10.99 % p.a.

IndusInd Bank Personal Loan

11.00% - 31.50%

Bajaj Finserv Personal Loan

12.99% p.a. onwards

ICICI Bank Personal Loan

11.25% - 21% p.a.


Features of UCO Bank Personal Loan

  • Pocket-friendly Interest Rate
  • Fast Documentation
  • Flexible Repayment Tenure
  • Quick Approval

About UCO Bank

UCO Bank was founded in 1943 in Kolkata, it is formerly known as United Commercial Bank. It is among India's largest government-owned commercial banks and most trusted banks. The bank had more than 4,000 plus service units, 49 zonal offices spread across the nation. It has two overseas branches in Singapore and Hong Kong. The headquarters of UCO Bank is situated at BTM Sarani, Kolkata.