Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Eligible customer typesFarmers who are individual or joint owner-cultivators, tenant farmers, oral lessees or sharecroppers.Effective 18 Mar 2026View source
UCO lists the farmer borrower groups in the scheme section.
- Source
- UCO Bank Agriculture Credit catalogue
- Page / section
- Gold, Target Group (line 294)
- Accessed
- 30 Sept 2026
- Confidence
- high
Facility type and purposeDemand loan for farmers' short-term crop-production needs, post-harvest expenses and consumption requirements.Effective 18 Mar 2026View source
The page specifies a demand loan and these three purposes.
- Source
- UCO Bank Agriculture Credit catalogue
- Page / section
- Gold, Purpose and Type of Facility (lines 291–293)
- Accessed
- 30 Sept 2026
- Confidence
- high
Maximum financeUp to ₹10 lakhEffective 18 Mar 2026View source
The Gold scheme states a maximum of Rs. 10 lakhs.
- Source
- UCO Bank Agriculture Credit catalogue
- Page / section
- Gold, Quantum of loan (line 295)
- Accessed
- 30 Sept 2026
- Confidence
- high
Interest rateUp to ₹3 lakh: 7% p.a. (the page notes 2% interest subvention); above ₹3 lakh: MCLR + 0.15% p.a. The page does not identify the MCLR tenor for the above-₹3-lakh band.Effective 18 Mar 2026View source
The Gold row gives the two bands and leaves the tenor unspecified; the unrelated Agri/Allied gold row was not substituted for it.
- Source
- UCO Bank Agriculture Credit catalogue
- Page / section
- Gold, Rate of Interest (line 298)
- Accessed
- 30 Sept 2026
- Confidence
- high
Interest subvention and prompt-repayment incentive2% interest subvention for loans up to ₹3 lakh; 3% prompt-repayment incentive for prompt-paying farmers up to ₹3 lakh.Effective 18 Mar 2026View source
The 2% subvention and 3% prompt-payment incentive are separate published benefits, each limited to ₹3 lakh.
- Source
- UCO Bank Agriculture Credit catalogue
- Page / section
- Gold, Interest Subvention (lines 298–299)
- Accessed
- 30 Sept 2026
- Confidence
- high
Repayment timingRepayment is linked to the anticipated harvest and marketing period for the crop financed.Effective 18 Mar 2026View source
No single fixed number of months is supplied; the page ties repayment to the crop's harvest/marketing period.
- Source
- UCO Bank Agriculture Credit catalogue
- Page / section
- Gold, Repayment (line 296)
- Accessed
- 30 Sept 2026
- Confidence
- high
MarginNilEffective 18 Mar 2026View source
The scheme row states margin Nil.
- Source
- UCO Bank Agriculture Credit catalogue
- Page / section
- Gold, Margin (line 297)
- Accessed
- 30 Sept 2026
- Confidence
- high
SecurityPledge of gold ornamentsEffective 18 Mar 2026View source
The product row specifically states pledge of gold ornaments.
- Source
- UCO Bank Agriculture Credit catalogue
- Page / section
- Gold, Security (line 300)
- Accessed
- 30 Sept 2026
- Confidence
- high
Application documentsUCO's linked common agriculture form gives an indicative, non-exhaustive checklist: self-attested government photo ID; recent address proof; two applicant photographs not older than six months; and land records. The Bank may change or add requirements; gold appraisal/
The application form is explicitly general and its checklist is non-exhaustive; gold-pledge documentation is noted as branch appraisal, not listed as a fixed form checklist item.
- Source
- UCO Bank Standardised Common Loan Application Form for Agriculture
- Page / section
- Page 6 checklist; p1 facility type
- Accessed
- 30 Sept 2026
- Confidence
- medium
Benefits and features
- Maximum published finance is ₹10 lakh.
- Nil margin is published for this scheme.
- Interest subvention and prompt-repayment incentive are described up to ₹3 lakh.
Eligibility
- The Bank lists owner cultivators, joint borrowers, tenant farmers, oral lessees and sharecroppers.
- No numeric minimum age threshold is stated in the reviewed scheme section.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- UCO's linked common agriculture-form checklist is indicative and non-exhaustive: self-attested photo identity; recent address proof; two recent photographs not older than six months; and land records. The Bank may change or add requirements.
- Gold must be pledged as the published security; appraisal/document requirements should be confirmed at the branch.
Related official documents
UCO Bank Agriculture Credit catalogue — detailed KCC and gold-backed scheme sectionsofficial-product-catalogue · detailed-review-partial · accessed 30 Sept 2026
↗UCO Bank MCLR-linked interest-rate schedule effective 10 July 2026official-interest-rate-page · targeted-rate-section-reviewed · accessed 30 Sept 2026
↗UCO Bank Standardised Common Loan Application Form for Agricultureofficial-agriculture-application-form-pdf · complete-document-review · accessed 30 Sept 2026
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