एलिगो (Eligo) सरकारी योजनाओं की खोज हेतु भारत का स्वतंत्र नागरिक सूचना मंच है — किसी भी सरकारी निकाय से संबद्ध नहीं।

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सार्वजनिक क्षेत्र का बैंक (PSU Bank)मियादी ऋण (Term Loan)✓ CGTMSE / Bank Guarantee / Normal Securityसत्यापित: 2026-09-29 (180-दिवसीय SLA)

UCO Bank Secured MSME मियादी ऋण (टर्म लोन)

ऋण प्रदाता बैंक / संस्था: UCO Bank

₹5 Lakh to ₹5 Crore MSME credit at 8.75% – 10.35% with Up to 7 years tenure.

अधिकतम ऋण राशि₹5 Lakh to ₹5 Crore
ब्याज दर8.75% – 10.35%
पुनर्भुगतान अवधिUp to 7 years
प्रोसेसिंग शुल्क0.50% + GST

💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Secured credit facility for manufacturing and trading MSMEs against hypothecation and collateral mortgage.

प्रमुख लाभ एवं व्यावसायिक विशेषताएं

Competitive rates; combination of term loan and working capital; branch network across India.

📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)

व्यावसायिक पात्रता शर्तें

MSMEs with commercial existence of at least 2 years.

जमानत / कोलेटरल आवश्यकता (Collateral)

Requires mortgage of immovable property with clear title.

प्रीपेमेंट एवं समय-पूर्व बंद करने के नियम (Prepayment Terms)

Zero prepayment penalty on floating rate loans as per regulatory norms

📂आवश्यक दस्तावेज (Required Documents)

Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)

Requires mortgage of immovable property with clear title.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

Apply online via business net banking or approach loan account manager.

2. नए उद्यमी (ऑनलाइन):

Apply online at https://www.ucobank.com/english/uco-msme.aspx with digital KYC and financial statements.

3. बैंक शाखा में जाकर:

Visit nearest MSME branch of the institution with business registration and bank statements.

आधिकारिक आवेदन पोर्टल पर जाएंआधिकारिक MITC दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the maximum loan tenure and amount for UCO Bank Secured MSME Term Loan?

Borrowers can avail ₹5 Lakh to ₹5 Crore with a repayment tenure of Up to 7 years.

What are the processing charges and collateral terms for UCO Bank Secured MSME Term Loan?

The processing fee is 0.50% + GST. Collateral terms: Requires mortgage of immovable property with clear title.

What are the eligibility criteria for UCO Bank Secured MSME Term Loan?

MSMEs with commercial existence of at least 2 years. Minimum business vintage required is 2 year(s).

How can an applicant apply for UCO Bank Secured MSME Term Loan?

Apply online at https://www.ucobank.com/english/uco-msme.aspx or visit nearest branch with KYC, Udyam registration, and bank statements.