UCO Bank Home Loan Interest Rate
UCO Bank Home Loan Interest Rate
Formerly known as United Commercial Bank, UCO Bank is an Indian public sector bank that is empowering people to buy their dream homes with its affordable home loans. UCO Bank home loan interest rates start at a convenient 7.50% per annum. One can avail a UCO bank loan for up to 90% of the property value at a processing fee of 0.50% of the loan amount.
UCO Bank Home Loan EMI Calculator
Your Monthly EMI
₹ 77,530
Total Principal
₹ 1,00,00,000
Total Interest
₹ 86,07,174
Total Payable
₹ 1,86,07,174
UCO Bank Home Loan Key Highlights
Amount of Loan
No upper limit on home loan amount
Rate of Interest
7.50% per annum onwards
Processing Fees
0.5% of the loan amount (Min. Rs. 1,500/-, Max. Rs. 15,000/)
Max Tenure for Loan Repayment
Up to 30 years or 360 EMIs; not beyond 75 years of age of the borrower
UCO Bank Home Loan Interest Rates in 2025
UCO Bank home loan interest rates start from around 7.50% p.a. for high-CIBIL borrowers, rising to approximately 9.50% p.a. Additional concessions include 0.05% off for women borrowers and 0.10% for balance transfer loans.
Have a look at the table below to understand the UCO Bank home loan interest rate for 2025 in detail:
| Loan Category | Rate of Interest on Home Loan |
|---|---|
| Salaried Applicants | 7.50% - 9.50% p.a. |
| Self-Employed Applicants | 7.50% - 9.50% p.a. |
Standard Home Loan Rates of Interest for Salaried and Self-Employed Applicants
Repo Linked Lending Rate (RLLR)
| Loan Category | Rate of Interest on Home Loan (p.a.) |
|---|---|
| All Loan | 7.50% - 9.50% p.a. |
UCO Pre-Approved Home Loan
| Loan Slab | Rate of Interest on Home Loan (p.a.) |
|---|---|
| All Loans | 7.50% - 9.50% p.a. |
UCO Top-Up Loans Interest Rates
| Loan Category | Rate of Interest on Home Loan (p.a.) |
|---|---|
| Top-Up for Existing Customers | Starts at 8.40% p.a. |
Interest rates were last updated on 14th August 2025
UCO Bank Home Loan Interest Rates for All Schemes in India
UCO Bank understands that no one home loan scheme can fit the needs of all types of home buyers. So, to make it convenient for everyone interested in applying for a home loan, the bank offers three main types of home loan schemes. You can understand the rate of interest for each of these schemes through the table below:
| UCO Bank Home Loan Schemes | Rates of Interest for Each Plan |
|---|---|
| UCO Home Loan | 7.50% - 9.50% p.a. |
| UCO Pre-Approved Home Loan | 7.50% - 9.50% p.a. |
| UCO Top-Up Home Loan | Starts at 8.40% p.a. |
UCO Bank Home Loan Interest Rates for Balance Transfer, Top Up, and Overdraft
To help the home loan borrowers further, UCO Bank offers three convenient ways to get additional funds, and these are described below:
UCO Bank Home Finance Home Loan Balance Transfer
The UCO Bank balance transfer facility, starting at 7.50% p.a., lets borrowers shift their existing home loans from other banks to UCO Bank at competitive interest rates. It helps reduce EMIs and overall interest burden, offering better financial flexibility.
UCO Bank Home Finance Home Loan Top-Up
UCO Bank offers an easy top-up loan starting at 8.50% p.a. for existing home loan customers needing extra funds. It can be used for renovation, education, or emergencies, with quick approval and attractive interest rates tied to your primary loan.
UCO Bank Home Finance Home Loan Overdraft Option
Through the UCO Bank overdraft facility, borrowers can deposit surplus funds and withdraw when needed. This feature helps manage cash flow smartly, as interest is charged only on the utilized amount, making repayments flexible.
UCO Bank Home Loan EMI Calculator 2025
| Loan Amount | Rate of Interest | EMI for 10-Year Loan Tenure | EMI for 20-Year Loan Tenure | EMI for 30-Year Loan Tenure |
|---|---|---|---|---|
| Rs. 10 lakh | 7.50% p.a. | Rs. 11,870 | Rs. 8,056 | Rs. 6,992 |
| Rs. 20 lakh | 7.50% p.a. | Rs. 23,740 | Rs. 16,112 | Rs 13,984 |
| Rs. 30 lakh | 7.50% p.a. | Rs. 35,611 | Rs. 24,168 | Rs. 20,976 |
| Rs. 40 lakh | 7.50% p.a. | Rs. 47,481 | Rs. 32,224 | Rs. 27,969 |
| Rs. 50 lakh | 7.50% p.a. | Rs. 59,351 | Rs. 40,280 | Rs. 34,961 |
| Rs. 60 lakh | 7.50% p.a. | Rs. 71,221 | Rs. 48,336 | Rs. 41,953 |
| Rs. 70 lakh | 7.50% p.a. | Rs. 83,091 | Rs. 56,392 | Rs. 48,945 |
| Rs. 80 lakh | 7.50% p.a. | Rs. 94,961 | Rs. 64,447 | Rs. 55,937 |
| Rs. 90 lakh | 7.50% p.a. | Rs. 1,06,832 | Rs. 72,503 | Rs. 62,929 |
| Rs. 1 crore | 7.50% p.a. | Rs. 1,18,702 | Rs. 80,559 | Rs. 69,921 |
Disclaimer:
The table is intended to provide you with an estimate of the EMI payable at an interest rate of 7.50% per annum as offered by UCO Bank. These figures are subject to change based on changes in interest rates, loan tenure, and other specific factors.
How to Calculate UCO Bank Home Loan Interest Rates?
UCO Bank calculates home loan interest rates by starting with a standard base rate set by the bank. They then adjust it up or down based on your credit score and profile. If you have a good credit history or qualify for special benefits (like being a woman borrower), you could get a slightly lower rate, making your loan more affordable. You can easily calculate the UCO Bank home loan EMI by using the online EMI Calculator available at the BASIC Home Loan website - https://www.basichomeloan.com/emi.
The table given below will give you an idea of the monthly EMI installments for 10 to 30 years tenures:
Compare UCO Bank Home Loan Interest Rate with Top Banks
UCO Bank, with its affordable home loan interest rate starting at 7.50% p.a., has gained popularity among potential home buyers. But it is always wise to compare before making the final decision. It will not only help you identify the most reasonable home loan interest rate but also give you more confidence in applying for a UCO Bank housing loan.
So, feel free to compare the UCO Bank housing loan interest rates with other top 5 financial service providers through the table below:
UCO Bank Home Loan Balance Transfer Interest Rates
Those convinced that it will be a wise decision to shift their existing home loan to UCO Bank can do so with ease. For this, they must opt for the UCO Bank Home Loan Balance Transfer scheme, which offers an interest rate starting at 7.50% per annum. Here are the steps to help you shift your existing loan to UCO Bank:
Firstly, visit the BASIC Home Loan website and go to the Repay Right section - https://www.basichomeloan.com/repay-right.
Fill in the required details in the online form displayed on the screen.
Click ‘Next’ to proceed to the next page.
You will then be able to see the savings you make with the UCO Bank Home Loan Balance Transfer option.
Another easier option is to approach the BASIC Home Loan team for help in applying for a UCO Bank housing loan.
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