UCO Bank offers home loans to customers at a very competitive rate of interest. It not only offers you a good rate of interest, but also offers you different repayment options. You can opt for a tenure as per your repayment capacity. The bank offers you customized loan solutions to meet your requirements. The bank offers you a loan for a ready-to-move-in or under-construction property. You can also avail of the loan for purchasing the plot. 

Here are some important features and benefits of a home loan. 

UCO Bank Home Loan Interest Rate Details 2025

Here are the UCO Bank Home Loan interest rates of 2025 and some details of the home loan - 

Types of UCO Bank Home Loan

Here are the types of UCO Bank home loans with their feature and details -

UCO Home Loan - Purchase/construction of a house/flat, extension/repair/renovation (up to 50 years old), plot purchase, and balance transfer from other banks/HFCs. Also applicable for properties from registered co-op societies, builders, municipal authorities, or government bodies.

Loan Amount:

• Purchase/Construction/Takeover/Extension: No upper limit
• Repair/Renovation: Up to ₹50 lakh

LTV Ratio:

• Up to ₹30 lakh – 90%
• ₹30 lakh - ₹75 lakh – 80%
• Above ₹75 lakh – 75%

Tenure: Up to 30 years or until the borrower reaches 75 years of age. 

UCO Pre-Approved Home Loan -Get in-principle loan sanction before finalizing the property. Valid for 4 months.

• Loan Amount & LTV Ratio: Same as UCO Home Loan

UCO Top-up Home Loan - Additional funding for existing home loan borrowers for education, renovation, home furnishing, business, agriculture, etc.

Loan Amount:

• Term Loan: ₹1 lakh - ₹2 crore
• Overdraft: Up to ₹2 lakh or 10% of the original home loan. 

Tenure: Linked to the original home loan or until the borrower turns 75 years old. 

UCO Bank Home Loan Eligibility Criteria

Here is the eligibility criteria for UCO Bank Home Loan:

• Eligible Applicants - Individuals, including NRIs & PIOs
   
• Age Criteria - Minimum age: 21 years

• Maximum age: 75 years (including repayment)

• Maximum age at loan sanction: 65 years

UCO Bank Home Loan Documents Requirement

The list of documents that you must have to apply for the loan is as follows:

A. Basic Documents

• Statement of means (format enclosed)
• Two passport-size photographs

B. Identity & Age Proof (Any one from each group required)

• Group 1: Ration Card, Voter ID, PAN Card, Passport, Driving License
• Group 2: Office ID, Birth Certificate, School Leaving Certificate

C. Financial Proof

• Bank Passbook/Statement (last 6 months) – Mandatory for applicants & guarantors

D. Employment/Income Proof

• Employment verification certificate
• Last 3 months’ salary slips
• Form 16 or ITR/Assessment Order

E. Business Proof (for self-employed applicants)

• Trade license
• Business account statement
• Financial statements

F. Takeover Loan Documents

• Loan account statement from the previous lender
• Sanction letter from the previous lender

G. Additional Documents

As per UCO Property Loan terms & bank norms

H. Post-Sanction Documents

1. For Purchase/Repair/Extension

• Sale agreement/allotment letter
• Mother/Link title deed
• Sanction plan from the municipal authority
• Initial payment receipt
• Age & residual life certificate from a bank-approved engineer (for resale property)

2. For Construction

• Title deed of the land
• Mutation Certificate
• Gift Deed/Partition Deed (if inherited)
• Approved sanction plan
• Construction cost estimate from an approved valuer
• Statement of expenses incurred

3. For Takeover Loans (Copies to be submitted)

• Title deed (for constructed houses)
• Mutation Certificate
• Deed of conveyance (for purchased property)
• Sanction plan
• Municipal tax receipt
• Other mortgage-related documents

4. Common Documents

• Mutation in the owner's name (Municipal/BLRO)
• Mortgage permission (if applicable)
• Parcha, Municipal tax receipt

5. Pre-Final Sanction Documents

• Legal opinion on property marketability
• Age & residual life certificate from a bank-approved valuer
• Construction/repair cost estimate (if loan exceeds ₹10 lakh)

How Can You Calculate EMI for UCO Bank Home Loan?

If you are interested in availing a home loan from UCO Bank, you can calculate the EMI with the help of the Wishfin UCO Bank EMI calculator. The EMI calculator allows you to know your EMI by doing all the calculations for you. This tool takes into account your loan amount, interest rate, and tenure, and gives you the results in return. You just need to enter these fields into a calculator, it will give you the results instantly. Well, to make you understand, below is the calculation done by the calculator for your home loan. 

Here is an example: Suppose you want to avail a home loan worth Rs. 50,00,000 from UCO Bank for the term of 25 years, and the home loan interest rate is 8.15% p.a. to 9.75% p.a. Now you are wondering, what will be the monthly EMIs for this? No need to worry, you just have to put three details in the calculator -

• Loan amount 

• Loan Tenure 

• Interest Rate 

Fees/Charges of UCO Bank Home Loan

Given under are the additional fees/charges applied on the UCO Bank home loan along with the home loan interest rates - 

Objective of UCO Bank home Loan

Some of the objectives of UCO Bank have been mentioned below - 

• Purchase and construction of an independent house/ready-built flat for residential purposes
• Extension/repair/renovation of an existing house/flat not more than 50 years old
• Takeover of home loans availed from other banks/financial firms
• The loan is also available for the furnishing of house property
• Purchase of an old house/flat not more than 30 years old. 

UCO Bank Application Form

To avail of the home loan from UCO Bank, firstly, you need to fill in the application form provided by the bank. Filling out an application form is the first step to getting a home loan from any lender. The best thing is that you can either fill in this form online or visit your nearest branch for the same. Through these two ways, you can easily apply for a home loan in UCO Bank.

UCO Bank Home Loan Customer Care

UCO Bank Home Loan customer care services are always available for you. When you have any sort of query related to a home loan, you can easily get in touch with the bank by dialing their customer care number. The executives of the bank will be more than happy to serve you at 1800 103 0123. The bank, with its customer care executives, is always ready to serve you. No matter what sort of issues you are facing, these experts will be more than happy to meet your requirements.

Summary!

UCO Bank home loan offerings cater to a variety of housing needs, whether it’s buying a new home, constructing one, or renovating an existing property. The bank extends financing for residential plots and even allows balance transfers from other lenders. With repayment tenures stretching up to 30 years and loan amounts covering up to 90% of the property value, borrowers enjoy flexibility and convenience. NRIs and PIOs are also eligible, and additional benefits like pre-approved and top-up loans make home financing even more accessible.

FREQUENTLY ASKED QUESTIONS

1. What are the current interest rates for UCO Bank home loans?

The latest UCO Bank Home loan interest rate starts from  8.15% p.a. to 9.75% p.a.

2. How is UCO Bank Home Loan eligibility determined?

The UCO Bank Home Loan eligibility is based on the borrower's income and repayment capacity.

3. Can I transfer my existing home loan from another bank to UCO Bank?

Yes, UCO Bank allows the takeover of home loans from other banks.

4. What is the maximum repayment period for a UCO Bank home loan?

The maximum repayment period for the UCO Bank home loan is 30 years. A moratorium period of up to 36 months may be permitted in certain cases.

5. What is the maximum loan amount I can get for renovating and repairing my home under the UCO Bank Home Loan?

The maximum of 50 lakhs you can get for renovating/repairing your home under the UCO Bank Home Loan.