What UCO Bank asks for on personal, home loans - age, income, credit score, amounts, rates and documents - read from its own pages and labelled by how sure we are. Last verified 2 November 2026.
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How UCO Bank tends to lend (our read): Small-ticket unsecured lending unless your salary sits with UCO (20x salary and Rs 20 lakh versus 5x and Rs 5 lakh without), and a standard PSU home loan running to age 75. Lends in: Metro, Tier 2, Tier 3 / other locations.
21 to 60 years (age when the loan ends); self-employed up to 65
Minimum income
₹15,000 net per month; self-employed: ₹1,80,000 a year
Credit score
750+ preferredOur working estimate - the lender does not publish a floor
Employment
Salaried or self-employed
Loan amount
₹50,000 to ₹20,00,000
Tenure
1 year to 5 years
Documents UCO Bank lists
Salary slips / income proof
KYC
Bank statement
Research notes
UCO Cash: salaried borrowers 21 to 60 including the repayment period, non-salaried 21 to 65. With a UCO salary account the quantum is 20 times gross monthly income up to Rs 20 lakh; without one it drops to 5 times and Rs 5 lakh (10 times / Rs 10 lakh for some employer categories); non-salaried applicants get 5 times gross monthly income up to Rs 5 lakh. Repayment up to 60 months. Income floor and credit score are not published - nominal floor used; the bank's vehicle-loan scheme publishes a 700 CIBIL floor, which is a reasonable expectation here too.
₹10,000 net per month; self-employed: ₹1,20,000 a year
Credit score
750+ preferredOur working estimate - the lender does not publish a floor
Employment
Salaried or self-employed
Business vintage (self-employed)
2 years in business
Funding (LTV)
Within RBI limits: up to 75-90% of the property value, depending on the loan size
Loan amount
₹1,00,000 to ₹50,00,00,000
Tenure
1 year to 30 years
Documents UCO Bank lists
KYC
Income proof
Property documents
Research notes
UCO Home: Indian residents with a regular income, minimum age 21, full repayment by 75, tenure up to 30 years, RBI LTV bands by ticket size, repairs up to Rs 50 lakh, 0.05% rate concession for women. No income floor or score published - nominal floor used.
ClearToLend is not affiliated with or endorsed by UCO Bank. Criteria are taken from public sources as of 2 November 2026 and can change; confirm the current terms with UCO Bank before you apply. A match is not a loan offer or approval.
UCO Bank Loan FAQs
The minimum net monthly income is ₹15,000, according to UCO Bank's own website, as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
You need to be at least 21 and no older than 60 when the loan ends, according to UCO Bank's own website.
The minimum net monthly income is ₹10,000, according to UCO Bank's own website, as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
You need to be at least 21 and no older than 75 when the loan ends, according to UCO Bank's own website.
No. ClearToLend compares your details with UCO Bank's published criteria without pulling your credit report, so nothing is recorded on your CIBIL file. ClearToLend is not affiliated with UCO Bank and does not send your details to it.
