Business, & agriculture finance

UCO Bank Kisan Tatkal Scheme

A single-transaction term loan for emergency agricultural and household needs of eligible existing holders.

Loan amount₹10,000 to ₹1,00,000 Interest rate benchmarkUCO states pricing at its Base Rate, without interest subvention. UCO's Loans & Advances page lists the Base Rate as 9.60%, effective 19 July 2023; no newer effective date is shown on that page.EligibilityIndividual farmers or joint borrowers of up to four farmers who already hold a UCO Kisan Credit Card and have at least two years of satisfactory track record.

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✓ Manually checked 30 Sept 2026 · active

Offered byUCO Bank

Rural and semi-urban branches, as stated by UCO Bank.

Key facts

What the official sources publish

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EligibilityIndividual farmers or joint borrowers of up to four farmers who already hold a UCO Kisan Credit Card and have at least two years of satisfactory track record.Effective 18 Mar 2026View source

The scheme requires an existing and two-year satisfactory record and permits an individual or joint borrowing group up to four farmers.

Source: UCO Bank Agriculture Credit catalogue
Page / section: UCO Kisan Tatkal, Eligibility (lines 797–799)
Accessed: 30 Sept 2026
Confidence: high

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Use of fundsEmergency credit for agricultural and domestic needs to help farmers manage temporary financial difficulties.Effective 18 Mar 2026View source

The purpose is stated as emergency agriculture and domestic requirements during temporary financial difficulty.

Source: UCO Bank Agriculture Credit catalogue
Page / section: UCO Kisan Tatkal, Purpose (lines 793–795)
Accessed: 30 Sept 2026
Confidence: high

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Loan amount₹10,000 to ₹1,00,000Effective 18 Mar 2026View source

The page states minimum and maximum finance of Rs. 10,000 and Rs. 100,000 respectively.

Source: UCO Bank Agriculture Credit catalogue
Page / section: UCO Kisan Tatkal, Quantum of Loan (lines 801–803)
Accessed: 30 Sept 2026
Confidence: high

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Interest rate benchmarkUCO states pricing at its Base Rate, without interest subvention. UCO's Loans & Advances page lists the Base Rate as 9.60%, effective 19 July 2023; no newer effective date is shown on that page.Effective 19 Jul 2023View source

The product page says Base Rate without interest subvention; the benchmark page lists 9.60% with its effective date. This is not represented as a freshly reset 2026 rate.

Source: UCO Kisan Tatkal Scheme; UCO Bank Loans & Advances
Page / section: Kisan Tatkal Rate of Interest (lines 804–806); Current Rate of Interest on Loans and Advances (lines 39–47)
Accessed: 30 Sept 2026
Confidence: high

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Repayment period — source conflictThe scheme heading says repayment within 3 years; the dedicated Repayment section says 3–5 years in half-yearly or annual instalments. The page conflicts; confirm the sanctioned term with the branch. UCO also says the loan must be fully cleared if a fresh/enhanced limit is sought in the subsequent year.Effective 18 Mar 2026View source

Both statements appear in the same published scheme section and are preserved without selecting one silently.

Source: UCO Bank Agriculture Credit catalogue
Page / section: UCO Kisan Tatkal heading (lines 784–789) and Repayment (lines 817–820)
Accessed: 30 Sept 2026
Confidence: high

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Processing and other chargesUp to ₹25,000: nil. Above ₹25,000: charges applicable to an agriculture term loan. The current general advance tariff excludes schematic advances where charges are separately defined, so no unsupported higher-amount figure is substituted.Effective 18 Mar 2026View source

Only the published threshold and cross-reference are stated; the higher-amount agriculture-term-loan charge was not available in the reviewed applicable schedule and is left unresolved, not guessed.

Source: UCO Bank Agriculture Credit catalogue
Page / section: UCO Kisan Tatkal, Processing and other charges (lines 808–811)
Accessed: 30 Sept 2026
Confidence: high

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SecurityExisting security obtained for the KCC continues; UCO says no additional security is required even if combined KCC plus Kisan Tatkal exposure exceeds ₹1 lakh.Effective 18 Mar 2026View source

The page explicitly preserves existing security and bars additional security even above the stated combined exposure threshold.

Source: UCO Bank Agriculture Credit catalogue
Page / section: UCO Kisan Tatkal, Security (lines 813–816)
Accessed: 30 Sept 2026
Confidence: high

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Geographic limitsRural and semi-urban branches, as stated by UCO Bank.View source

The manually reviewed product record states: “Rural and semi-urban branches, as stated by UCO Bank.”.

Source: UCO Bank Kisan Tatkal Scheme — official product page
Page / section: Published product metadata
Accessed: 30 Sept 2026
Confidence: high

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Benefits and features

Published loan amount is ₹10,000–₹1,00,000.
No additional security is to be taken beyond existing security, even when combined and Tatkal exposure exceeds ₹1 lakh.

Eligibility

Applicant must already hold a UCO with a satisfactory record for at least two years.
The page's heading says repayment within three years, while its repayment section says three to five years; confirm the applicable term with the branch.

Passing a listed condition does not mean the bank will approve an application.

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹23,467twenty-three thousand four hundred sixty-seven rupees

Interest paid over the full loan₹31,32,026thirty-one lakh thirty-two thousand twenty-six rupees

Everything you repay₹56,32,026fifty-six lakh thirty-two thousand twenty-six rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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Term

Facility / sector · Published detailSingle-transaction term-loan limit; direct agriculture priority sector

This value is copied from UCO Kisan Tatkal — published terms and repayment conflict. Check the table notes before relying on it.

Source: UCO Bank Agriculture Credit catalogue; UCO Bank Loans & Advances · Kisan Tatkal lines 784–821; base-rate reference lines 39–47 Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 10 rows · 2 columnsUCO Kisan Tatkal — published terms and repayment conflictSingle-transaction farmer term-loan conditions, source limits and conflicting tenor statements.View tableHide table

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UCO Kisan Tatkal — published terms and repayment conflict
Term	Published detail
Facility / sector	Single-transaction term-loan limit; direct agriculture priority sector
Availability	Rural and semi-urban branches
Purpose	Emergency agriculture and domestic needs during temporary financial difficulty
Eligible borrower	Individual or joint borrowers (up to four farmers) who already hold UCO and have at least two years' satisfactory track record
Loan amount	₹10,000–₹1,00,000
Interest rate	UCO Base Rate, without interest subvention; UCO's benchmark page lists 9.60%, effective 19 July 2023, with no newer effective date shown
Repayment conflict	Scheme heading: within 3 years; repayment section: 3–5 years in half-yearly/annual instalments. Confirm with branch
Next-year renewal	Must be cleared in full if a fresh/enhanced limit is sought in the subsequent year
Charges	Up to ₹25,000: nil; above ₹25,000: as applicable to agriculture term loans; exact higher-limit charge not established in the reviewed applicable schedule
Security	Existing security continues; no extra security even if combined exposure exceeds ₹1 lakh

The 3-year versus 3–5-year terms appear in the same official scheme page; neither is silently preferred.
The Base Rate date is retained to avoid presenting a 2023 effective date as a new 2026 reset.

UCO Bank Agriculture Credit catalogue; UCO Bank Loans & Advances · Kisan Tatkal lines 784–821; base-rate reference lines 39–47 · accessed 30 Sept 2026Open official source ↗

UCO Bank Kisan Tatkal Scheme

What the official sources publish

Benefits and features

Eligibility

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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