UCO Bank Home Loan
Interest rates from 7.15% p.a. (up to 10%) · EMI from ₹33,770/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About UCO Bank home loans
RLLR-linked home loans with concessions for women and balance-transfer applicants.
UCO home loan EMI table (7.15% p.a.)
Monthly EMI at UCO's minimum rate. Tap any amount for the full breakdown.
How much interest will a UCO loan cost?
A ₹50 lakh UCO home loan at 7.15% over 20 years means about ₹44.12 L in total interest — on top of the ₹50 lakh you borrowed. Prepaying even ₹10,000/month can cut years off the loan and save several lakh in interest.
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Frequently Asked Questions
What is the UCO Bank home loan interest rate in 2026?
UCO Bank offers home loans starting at 7.15% p.a., going up to 10% p.a. depending on your CIBIL score, loan amount, and income profile. Rates are as of June 2026; confirm the current rate with the lender before applying.
What is the EMI for a ₹50 lakh UCO home loan?
At 7.15% p.a., a ₹50 lakh UCO home loan has an EMI of about ₹39,216 for 20 years — roughly ₹33,770 for 30 years and ₹45,362 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a UCO home loan?
UCO Bank's processing fee is Varies, with a maximum tenure of 30 years and funding of up to 90% of the property value (loan-to-value).
Is prepayment allowed on a UCO home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a UCO home loan partially or fully at any time. The NestSaver prepayment simulator shows exactly how much interest and time you save.
Disclaimer: Interest rates shown are indicative, sourced as of June 2026, and the lowest published floating rate is typically reserved for borrowers with high credit scores. Actual rates depend on your profile, loan amount, and the property, and change frequently. Always confirm the current rate directly with UCO Bank before applying. NestSaver is an information and planning service, not a lender.