UCO Bank UCO Trader योजना के लिए Retailers
ऋण प्रदाता बैंक / संस्था: UCO Bank
₹2 Lakh to ₹1 Crore MSME credit at 8.80% – 10.50% with Up to 5 years tenure.
💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Overdraft facility for retailers, general stores, distributors, and dealers.
प्रमुख लाभ एवं व्यावसायिक विशेषताएं
Smooth revolving credit; flexible repayment; seasonal drawing power enhancements.
📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)
व्यावसायिक पात्रता शर्तें
Traders with established commercial retail shops.
जमानत / कोलेटरल आवश्यकता (Collateral)
Requires proof of valid trade registration and sales tax/GST returns.
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 proof of valid trade registration and sales tax/GST returns.
🚀आवेदन के चरण (How to Apply)
Apply online via business net banking or approach loan account manager.
Apply online at https://www.ucobank.com/english/uco-trader.aspx with digital KYC and financial statements.
Visit nearest MSME branch of the institution with business registration and bank statements.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum loan tenure and amount for UCO Bank UCO Trader Scheme for Retailers?
Borrowers can avail ₹2 Lakh to ₹1 Crore with a repayment tenure of Up to 5 years.
What are the processing charges and collateral terms for UCO Bank UCO Trader Scheme for Retailers?
The processing fee is 0.50% + GST. Collateral terms: Requires proof of valid trade registration and sales tax/GST returns.
What are the eligibility criteria for UCO Bank UCO Trader Scheme for Retailers?
Traders with established commercial retail shops. Minimum business vintage required is 1 year(s).
How can an applicant apply for UCO Bank UCO Trader Scheme for Retailers?
Apply online at https://www.ucobank.com/english/uco-trader.aspx or visit nearest branch with KYC, Udyam registration, and bank statements.