CRN

/2018-19
Head Office
Retail & MSME Deptt.
10, BTM Sarani, 2nd floor
Kolkata – 700 001
UCO BANK
(A Govt. of India Circular No.
Undertaking) CHO/MSME/04/2018-19
HONOURS YOUR TRUST Dated: 15.05.2018

To All Branches / Offices in India:

Sub: Revision of Service Charges on Retail & MSME

The service charges like Processing charge, Review charge, Renewal charge,
Documentation charge, Ad-hoc sanction charge and Inspection charge etc. in Retail
& MSME Sector under Priority Sector are enclosed as per Annexure-I and Annexure-II
respectively.

GST on all mentioned charges to be levied as per govt. guidelines from time to time. The
revised service charges will be applicable with immediate effect.

(Rajeev Mohan)
General Manager
Retail & MSME Department

Enclosure:

Annexure-I (Service Charges related to Retail products) and

Annexure-II (Service Charges related to MSME Products)

“WE SHALL MAKE UCO- A TOP CLASS BANK”

 Revision in Service Charges in Retail Loan Schemes ( Annex -I)

Sl. No. Scheme Existing Charges Revised Charges ( Excluding GST)

Processing Charges
0.50%, Minimum Rs. 1500/-
Maximum Rs. 15000/- & No charges for
Take over Loans

1 UCO Home Loan

Documentation Charges : NIL NO CHANGE

CIBIL – Report Pulling Charges: NIL

Inspection Charges: NIL

Processing Charges
2 UCO Cash
1% Minimum Rs. 750/- NO CHANGE

Processing Charges
3 UCO Car
1% Maximum Rs. 1500/- NO CHANGE

4 UCO Education Processing Charges: NIL NO CHANGE

For Priority Sector

5 UCO Gold (Retail)
Upto Rs. 10 lacs: Rs. 250/-
Above Rs. 10 lacs: Rs. 500/-
For Non-priority Sector
Upto Rs. 5 lac: Rs 500/- NO CHANGE
Above Rs. 5 lac to Rs. 10 lac: Rs. 1000/-

Above Rs. 10 lac: @0.20% on quantum of

loan subject to a maximum of Rs.5000/-

6 UCO Pensioner Processing Charges: NIL NO CHANGE

Processing Charges
For Term-loan: 1% of loan amount at the
time of sanction.
7 UCO Property For CC/OD: 0.5% of loan amount at the
time of sanction. NO CHANGE
Renewal Charges
0.50% every year subject to maximum of
Rs.15000/-

Processing Charges
8 UCO Two Wheeler
1% of loan amount with a minimum
Rs. 500/-. NO CHANGE

Processing Charges
9 UCO Doctor
1% of loan amount plus tax
(minimum Rs.1000/-) NO CHANGE

Processing Charges
10 UCO Shopper
1% of loan amount plus tax (minimum
Rs.1000/-) NO CHANGE

Processing Charges
11 UCO CA Loan
0.50% of total loan sanctioned subject to a NO CHANGE
minimum of Rs.2000/-

Processing Charges
12 UCO Swabhiman
0.25% of loan amount. NO CHANGE

Processing Charges
13 UCO Securities
Rs. 250/- per case NO CHANGE

Processing Charges

1% of the sanctioned loan amount. with a

14 UCO Rent maximum of Rs. 2.00 lacs.
NO CHANGE
Review on run down Balance
Rs. 225.00 per lac, Min. Rs.250.00,
Max.Rs.56000.00

Documentation Charges for all above schemes except Home Loan Scheme
Amount of Advance Existing Charges Revised Charges (Excluding GST)
Up to Rs.25,000/- Nil Nil
Above Rs.25,000/- Up to Rs.2 lacs Rs. 200/- Rs. 350/-
Above Rs.2 lacs upto Rs.5 lacs Rs 1300/- Rs. 1500/-
15
Above Rs.5 lacs upto Rs.10 lacs Rs. 2200/-
Rs. 2000/-
Above Rs.10 lacs upto Rs.25 lacs Rs. 2500/-
Above Rs.25 lacs upto Rs.50 lacs Rs 4000/- Rs. 4500/-
Above Rs.50 lacs upto Rs.5 crores Rs. 5600/- Rs. 6000/-
Above Rs.5 crores Rs. 14000/- Rs. 15000/-

Note: GST on all the above mentioned charges to be levied as per govt. guidelines from time to time.
 REVISION OF SERVICE CHARGES ON MSME (EXCLUDING GST) Annex-II

Revised Charges ( Excluding GST)

Service Charges related to MSME Loans
1 PROCESSING CHARGES (for Advances other than Term Loan & DPG)* 1 PROCESSING CHARGES (for Advances other than Term Loan & DPG)*

Amount of Advance Basic Service Charge Amount of Advance Service Charge (Excluding GST) Remarks

Upto Rs 25000 Nil Upto Rs 5,00,000/- Nil As per BCSBI Guidelines

Above Rs.25, 000/- Rs. 350.00 per lac Above Rs.5, 00,000/- Rs 350/- per lac (Minimum Rs 350/-) No Change

*Applicable for sanction of Short Term Loans upto 12 months. *Applicable for sanction of Short Term Loans upto 12 months.

2 RENEWAL CHARGES (for Advances other than Term Loan & DPG) 2 RENEWAL CHARGES (for Advances other than Term Loan & DPG)

Amount of Advance Basic Service Charge Amount of Advance

Upto Rs 25000 Nil Upto Rs 25000 Nil No Change
Above Rs.25, 000/- Rs. 350.00 per lac Above Rs.25, 000/- Rs. 350.00 per lac No Change

PROCESSING CHARGES FOR TERM LOANS & 3 PROCESSING CHARGES FOR TERM LOANS &
3 DPG DPG
I. Fresh Term Loan/DPG sanctioned I. Fresh Term Loan/DPG sanctioned

Amount of Advance Basic Service Charge Amount of Advance

Upto Rs 25000 Nil Upto Rs 5,00,000/- Nil As per BCSBI Guidelines

Above Rs.25,000/- 1.1236% of the Sanctioned limit Above Rs.5, 00,000/- 1.1236% of the Sanctioned limit No Change
Min Rs. 600.00 Min Rs. 600.00
II. Review of Term Loan (On run down Balance) II. Review of Term Loan (On run down Balance)

Up to Rs.25,000/- Nil Up to Rs.25,000/- Nil No Change

Above Rs.25,000/- Rs. 120.00 per lac, Min. Rs.250.00 Above Rs.25,000/- Rs. 120.00 per lac, Min. Rs.250.00 No Change
Max. Rs.55000.00 except Retail Max. Rs.55000.00 except Retail
Credit Credit No Change
4 AD-HOC SANCTION CHARGES 4 AD-HOC SANCTION CHARGES

Amount of Ad-hoc Amount of Ad-hoc

Upto Rs. 25,000/- NIL Upto Rs 5,00,000/- NIL
Above Rs.25,000/- Normal processing charges for Above Rs.5, 00,000/- Normal processing charges for the No Change
the period of sanction on pro- period of sanction on pro-rata basis
rata basis (min. Charge for 3 (min. Charge for 3 months)
months)
5 DOCUMENTATION CHARGES: 5 DOCUMENTATION CHARGES:

Amount of Advance Amount of Advance

Up to Rs.25,000/- Nil Up to Rs.25,000/- Nil No Change
Rs. 350.00 Per lakh
Above Rs.25,000/- and Up to Rs.2 lacs Rs. 200 .00 Above Rs.25,000/- and Up to Rs.2 lacs (Minimum Rs 350/-)
Above Rs.2 lacs upto Rs.5 lacs Rs.1300.00 Above Rs.2 lacs upto Rs.5 lacs Rs.1500.00
Above Rs.5 lacs upto Rs.25 lacs Rs.2000.00 Above Rs.5 lacs upto Rs.10 lacs Rs.2200.00
Above Rs.25 lacs upto Rs.50 lacs Rs.4000.00 Above Rs.10 lacs upto Rs. 25 lacs Rs.4500.00
Above Rs.50 lacs upto Rs.5 crores Rs.5600.00 Above Rs.25 lacs upto Rs.50 lacs Rs.6000.00
Above Rs 5 crores Rs.14000.00 Above Rs. 50 lacs upto Rs.5 Crore Rs.6000.00
Above Rs 5 Crore Rs 15000.00
6 Applicable for customers falling under SE Category 6 Applicable for customers falling under MSME Category

Issuance of NOC (per NOC) Rs 600/- Issuance of NOC (per NOC) Rs 600/- No Change

Modification of terms and conditions of

Modification of terms and conditions of sanctionRs.600.00 per modification sanction Rs.600.00 per modification No Change
Revalidation of sanction Applicable regular processing Revalidation of sanction Applicable regular processing
charges, subject to ceiling of charges, subject to ceiling of
Rs.5.00 lacs. Rs.5.00 lacs. No Change
7 MISCELLANEOUS CHARGES : 7 MISCELLANEOUS CHARGES :
Supervision Charges (Applicable to limits of Rs. Supervision Charges (Applicable to limits of
1 crore & above) Rs.2950.00 half year Rs. 1 crore & above) Rs.2950.00 half year No Change
8 Inspection Charges 8 Inspection Charges

Amount of Advance Amount of Advance

Up to Rs.25,000/- Nil
Above Rs.25,000/- upto 2 lacs Rs.145.00 per inspection
Above Rs.2 lacs up to Rs.10 lacs - Rs.290.00 per inspection
Above Rs.10 lacs up to Rs.25 lacs Rs.590.00 per inspection
Above Rs.25 lacs up to Rs.50 lacs Rs.980.00 per
inspection.+Conveyance
Above Rs.50 lacs up to 1 crore Charge + Out
Rs.2950.00 per of pocket exp
insp.+Con.Char.+Out of pocket
Above 1 crore Rs.4900.00 per
insp.+Con.Char.+Out of pocket
exp.
Up to Rs.25,000/-
Above Rs.25,000/- upto 2 lacs
Above Rs.2 lacs up to Rs.5 lacs
Above Rs.5 lacs up to Rs.10 lacs
Above Rs.10 lacs up to Rs.20 lacs
Above Rs.20 lacs up to 25 lacs
Above Rs.25 lacs up to 50 lacs
Above Rs.50 lacs up to 100 lacs
Above Rs.100 lacs up to 200 lacs
Above Rs. 200 lacs
Nil No Change
Rs.200.00 per inspection
Rs.300.00 per inspection
Rs. 300.00 per inspection
Rs.750.00 per inspection.
Rs.750.00 per inspection.
Rs.1200.00 per insp.+Con.Char.+Out
of pocket exp.
Rs.3200.00 per insp.+Con.Char.+Out
of pocket exp.
Rs.5200.00 per insp.+Con.Char.+Out
of pocket exp.
Same as above
9 Issuance of no dues certificate (Priority Sector & Non Priority Sector)
9 No dues certificate Rs.45.00 per certificate
Charges for issuance of No dues certificate to
clients whose NPA accounts are settled by
entering into compromise ( Applicable in all
cases where sanctioned loan/limit/disbursed
10 amount is above Rs.5 lacs)-
NPA accounts where terms of compromise are
a. strictly adhered to Rs.1000.00 per certificate
NPA accounts where repayment is not
received as per original schedule/failed
b. compromise is revived: Rs.2000.00 per certificate
The service charge of 1.20% per
For ear-marking credit limits sanctioned by us annum will be levied on
and to be availed by the borrowers from other quarterly basis i.e. 0.30% per
bank quarter
11 Commitment Charges : Where average availment of
fund based credit during a
month is less than 70% of the limit
sanctioned, commitment
charges @1/12th percent on the
unutilised limit shall be levied for
that month. Service tax at
applicable rate shall be added
by branches to the commitment
charges. (Being governed by
Loan Policy Document and
changes/ amendments as
advised by Risk Management
Dept.)
Note : Assessment of average availment during a month shall be based on the % of actual interest for the month with respect to the interest calculated on the full limit for the month.
12 Processing charges for MUDRA Loan under PMMY:
CHO/ARBD/37/2015-16 DT 14.09.2015
Amount of Advance Processing Charges
Shishu – Up to Rs. 50,000/- Nil
Kishore –Above Rs. 50,000/- upto Rs.5 lac. 0.40% of the sanctioned limit.
Tarun – Above Rs.5 lac up to Rs.10 lac Rs. 357 per lac.
J) Issuance of no dues certificate (Priority Sector- MSME)
9 No dues certificate Rs.45.00 per certificate No Change
10 Charges for issuance of No dues
certificate to clients whose NPA accounts
are settled by entering into compromise (
Applicable in all cases where sanctioned
loan/limit/disbursed amount is above Rs.5
lacs)-
a.
NPA accounts where terms of compromise
are strictly adhered to Rs.1000.00 per certificate No Change
b.
NPA accounts where repayment is not
received as per original schedule/failed
compromise is revived: Rs.2000.00 per certificate No Change
For ear-marking credit limits sanctioned by The service charge of 1.20% per
us and to be availed by the borrowers from annum will be levied on quarterly
other bank basis i.e. 0.30% per quarter
11 Commitment Charges : Where average availment of fund No Change
based credit during a month is less
than 70% of the limit sanctioned,
commitment charges @1/12th
percent on the unutilised limit shall
be levied for that month. Service
tax at applicable rate shall be
added by branches to the
commitment charges. (Being
governed by Loan Policy
Document and changes/
amendments as advised by Risk
Management Dept.)
12 Processing charges for MUDRA Loan under PMMY:
Amount of Advance Processing Charges
Shishu – Up to Rs. 50,000/- Nil As per BCSBI Guidelines
Kishore –Above Rs. 50,000/- upto Rs.5 lac. Nil
As per BCSBI Guidelines
Tarun – Above Rs.5 lac up to Rs.10 lac Rs. 357 per lac. No Change
13 BANKS' SCHEME -PROCESSING CHARGE 13 BANKS' SCHEME -PROCESSING CHARGE Processing Charges
A. UCO Roop Sangam (CHO/ARBD/08/12016-17 DT 30.05.16) A. UCO Roop Sangam
Upto Rs. 500000/- NIL Upto Rs. 500000/- NIL No Change
Above Rs. 5 Lacs to 10 Lacs & upto Rs. 5.00 Above Rs. 5 Lacs to 10 Lacs & upto Rs.
Lacs Rs 363 per lakh 5.00 Lacs Rs 350 per lakh Revised
B UCO Bunkar Yojana (CHO/MSME/04/2017-18 DT 10.7.17) B UCO Bunkar Yojana Processing Charges
Upto Rs. 50000/- NIL Upto Rs. 50000/- NIL No Change

Above Rs. 50000 & upto Rs. 5.00 Lacs 0.40% OF THE SANCTIONED LIMIT Above Rs. 50000 & upto Rs. 5.00 Lacs NIL As per BCSBI Guidelines

C
Revised (CHO/MSME/13/2016-17 Processing Charges
C UCO Trader Dt 29.11.2016) UCO Trader
Minimum-Rs 1000/-
Maximum Rs. 20000/- Revised
0.50% of the fund based limit (Rs Maximum Twenty Thousand
UCO Trader (CHO/OSD/39/2010-11 dt 31.3.17 ) + 0.25% of Non-Fund Based Only)

FB – 0.50%, NFB – 0.25% Limit (one time) FB – 0.50%, NFB – 0.25%

Maximum Rs. 20000/- Min: Rs.1000/-
Review/Renewal Charges (UCO
Review/Renewal Charges (UCO Trader): Trader): Review/Renewal Charges (UCO Trader):

# Review/Renewal Charges
# Review/Renewal Charges (UCO Trader): At (UCO Trader): At the same rate # Review/Renewal Charges (UCO Trader):
the same rate as processing charges. as processing charges. as per point no. 2 and 3(ii) as above

The Processing charge,Documentation charge and Inspection charges for MSME products other than mentioned above will be applicable as per point no. 1-5 and 8.

* Note : All the Charges Mentioned above are excluding GST.