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 typesOwner-cultivator farmers (individual or joint borrowers), tenant farmers, oral lessees, sharecroppers, and farmer SHGs/JLGs including tenant farmers and sharecroppers.Effective 18 Mar 2026View source
The section lists all five borrower groupings; it states no minimum age in this section.
- Source
- UCO Bank Agriculture Credit catalogue
- Page / section
- Kisan Credit Card (), Target group (lines 698–715)
- Accessed
- 30 Sept 2026
- Confidence
- high
Credit limit assessmentNeed-based finance considering cropping pattern, acreage and the scale of finance determined by the District Level Technical Committee (DLTC).Effective 18 Mar 2026View source
UCO publishes an assessment method rather than a fixed universal rupee ceiling on this section.
- Source
- UCO Bank Agriculture Credit catalogue
- Page / section
- , Quantum of loan (lines 716–716)
- Accessed
- 30 Sept 2026
- Confidence
- high
Facility type and purposeWorking capital and term loan for crop cultivation, post-harvest expenses, produce marketing, farmer-household consumption and working capital to maintain allied farm assets/activities such as dairy animals and inland fishery.Effective 18 Mar 2026View source
The product section lists five purposes and both working-capital and term-loan facilities.
- Source
- UCO Bank Agriculture Credit catalogue
- Page / section
- , Purpose and Facility (lines 701–711)
- Accessed
- 30 Sept 2026
- Confidence
- high
Interest rate bandsUp to ₹3 lakh: 7% p.a.; above ₹3 lakh to ₹25 lakh: MCLR + 1% p.a.; above ₹25 lakh to ₹1 crore: MCLR + 2% p.a. UCO separately lists 1.5% interest subvention and 3% prompt-repayment incentive up to ₹3 lakh.Effective 18 Mar 2026View source
Rates and incentives are transcribed separately; the page does not specify the tenor for these bands, so no effective rate is calculated from the bank-wide table.
- Source
- UCO Bank Agriculture Credit catalogue
- Page / section
- , Interest Subvention / PRI / Rate of Interest (lines 723–729)
- Accessed
- 30 Sept 2026
- Confidence
- high
Limit validity and reviewFive years, with a 10% annual limit increase subject to annual review; renewal-cum-enhancement through STP is available up to a limit of ₹2 lakh.Effective 18 Mar 2026View source
The 10% annual limit increase is explicitly subject to annual review; STP is stated only for limits up to ₹2 lakh.
- Source
- UCO Bank Agriculture Credit catalogue
- Page / section
- , Repayment Period (line 717)
- Accessed
- 30 Sept 2026
- Confidence
- high
Security and collateralPrimary security is hypothecation of crops. Limits up to ₹2 lakh are listed as nil collateral; with a recovery tie-up, limits up to ₹3 lakh are nil collateral. Other cases must maintain 100% loan-to-value throughout the tenure.Effective 18 Mar 2026View source
UCO distinguishes the no-tie-up and recovery-tie-up collateral thresholds and separately states the condition for other cases.
- Source
- UCO Bank Agriculture Credit catalogue
- Page / section
- , Security (lines 719–722)
- Accessed
- 30 Sept 2026
- Confidence
- high
MarginNilEffective 18 Mar 2026View source
The official scheme row states margin Nil.
- Source
- UCO Bank Agriculture Credit catalogue
- Page / section
- , Margin (line 718)
- 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 (examples include a utility bill under two months old, property-tax receipt, Voter ID, Aadhaar, passport or local-authority certificate); two applicant photographs not older than six months; and land records. The Bank may change or add requirements.View source
The form labels the list indicative/non-exhaustive and changeable by the Bank; it is not represented as a definitive current checklist.
- Source
- UCO Bank Standardised Common Loan Application Form for Agriculture
- Page / section
- Page 6 checklist; pages 1–5 application particulars
- Accessed
- 30 Sept 2026
- Confidence
- high
Benefits and features
- Working-capital and term-loan components are published.
- Five-year limit period with annual review and a 10% yearly increase, subject to review.
- Interest subvention and prompt-repayment incentive are published up to the stated limit.
Eligibility
- The official catalogue lists owner cultivators, tenant farmers, oral lessees, sharecroppers, farmer and .
- 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.
- The form also requests land/crop/irrigation, farm-asset, liability and security details relevant to appraisal.
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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