Business, & agriculture finance

UCO Bank Krishi Kanakadhara Gold Loan

A demand loan against gold ornaments for agriculture and allied activities, with harvest-linked bullet repayment and tenor-specific published rates.

Published gold-loan rates and source discrepancyFor up to 6 months: 6-month MCLR, shown as 8.70% effective. For above 6 through 12 months: UCO's agriculture catalogue and gold-loan table show MCLR + 0.05% / 8.75%, while the MCLR-linked rate schedule lists 0.10% / 8.80% for the same named band. The official pages conflict; confirm the applicable 6–12 month rate with UCO before applying.Eligible customer typeBorrowers seeking agriculture, investment-credit or allied-activity finance against gold ornaments.SecurityGold ornaments are the stated security for this demand loan.

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✓ Manually checked 30 Sept 2026 · active

Offered byUCO Bank

See the official bank source for geographic availability.

Key facts

What the official sources publish

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Eligible customer typeBorrowers seeking agriculture, investment-credit or allied-activity finance against gold ornaments.Effective 18 Mar 2026View source

The product purpose is agriculture, investment credit and allied activities; the eligibility line refers to borrowers against gold ornaments.

Source: UCO Bank Agriculture Credit catalogue
Page / section: UCO Krishi Kanakadhara, Purpose / Eligibility (lines 159–162)
Accessed: 30 Sept 2026
Confidence: high

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Facility and purposeDemand loan against gold ornaments for agriculture, investment-credit and allied-activity purposes.Effective 18 Mar 2026View source

The catalogue identifies the facility as a demand loan and gives the stated purposes.

Source: UCO Bank Agriculture Credit catalogue
Page / section: UCO Krishi Kanakadhara, Purpose / Type of Facility (lines 159–161)
Accessed: 30 Sept 2026
Confidence: high

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Repayment periodBullet repayment of principal linked to the harvest season, or a maximum period of two years.Effective 18 Mar 2026View source

This general repayment statement is preserved alongside the separate tenor-specific rate rows; no maturity is inferred for an individual borrower.

Source: UCO Bank Agriculture Credit catalogue
Page / section: UCO Krishi Kanakadhara, Repayment (line 164)
Accessed: 30 Sept 2026
Confidence: high

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Published margin termsThe Kanakadhara page overview states 15% margin for a tenor up to 6–12 months and 25% up to 24 months. Its product-labeled Kanakadhara rate rows cover the 6–12 month range at 15%; the separate 25%/24-month row is labelled Agri/Allied Activities, not Kanakadhara, so do not treat that longer row as confirmed Kanakadhara pricing.Effective 18 Mar 2026View source

The page overview and separately labelled rate rows are preserved without extending Kanakadhara-specific pricing into a differently named Agri/Allied facility.

Source: UCO Bank Agriculture Credit catalogue
Page / section: UCO Krishi Kanakadhara, Margin and product-labelled rate table (lines 165–171)
Accessed: 30 Sept 2026
Confidence: medium

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SecurityGold ornaments are the stated security for this demand loan.Effective 18 Mar 2026View source

The eligibility row describes all borrowers as taking the loan against security of gold ornaments.

Source: UCO Bank Agriculture Credit catalogue
Page / section: UCO Krishi Kanakadhara, Eligibility (line 162)
Accessed: 30 Sept 2026
Confidence: high

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The current named scheme pages show 8.75% for the 6–12 month row, but the bank's schedule shows 8.80%; the 8.70% up-to-six-month row agrees. Both figures are retained as an unresolved official-source conflict.

Source: UCO Bank Agriculture Credit catalogue; STP Gold Loan rate table; -linked rate schedule
Page / section: Agriculture catalogue lines 166–171; Gold Loan table lines 95–101; schedule lines 199–204
Accessed: 30 Sept 2026
Confidence: high

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Benefits and features

The agriculture catalogue publishes no scheme-level maximum amount.
Principal repayment is linked to harvest season, subject to the published maximum period of two years.
The rate table has a conflict for the 6–12 month band; see the rate fact and source evidence.

Eligibility

The catalogue describes borrowers against gold ornaments; final appraisal and accepted loan amount depend on the bank's gold assessment and sanction.

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

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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₹22,013twenty-two thousand thirteen rupees

Interest paid over the full loan₹27,83,138twenty-seven lakh eighty-three thousand one hundred thirty-eight rupees

Everything you repay₹52,83,138fifty-two lakh eighty-three thousand one hundred thirty-eight 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

Purpose · Published detailAgriculture, investment credit and allied activities

This value is copied from UCO Krishi Kanakadhara — published terms and rate discrepancy. Check the table notes before relying on it.

Source: UCO Bank Agriculture Credit catalogue; STP Gold Loan rate table; -linked rate schedule · Agriculture catalogue lines 159–171; STP Gold Loan lines 95–101; lines 199–204 Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 11 rows · 2 columnsUCO Krishi Kanakadhara — published terms and rate discrepancyAgriculture gold-demand-loan terms and the conflicting 6–12 month rate entries published by UCO.View tableHide table

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UCO Krishi Kanakadhara — published terms and rate discrepancy
Term	Published detail
Purpose	Agriculture, investment credit and allied activities
Facility / security	Demand loan against gold ornaments
Scheme-level maximum	UCO's agriculture catalogue says no limit; borrower amount remains subject to bank appraisal
Repayment	Bullet principal linked to harvest season or maximum 2 years
Margin overview	Scheme overview says 15% for tenor up to 6–12 months and 25% up to 24 months; the separate 25%/24-month rate row is titled Agri/Allied Activities, so applicability to Kanakadhara is not established
Rate up to 6 months	6-month ; 8.70% effective
Rate above 6 through 12 months — agriculture page	+ 0.05%; 8.75% effective
Rate above 6 through 12 months — gold-loan table	8.75% effective
Rate above 6 through 12 months — schedule	0.10% spread; 8.80% effective
Source status	UCO's official sources conflict for the 6–12 month band; verify with the bank before applying
Separate Agri/Allied rows	Demand loan, 25% margin, up to 24 months: 8.80%; Agri overdraft, 25% margin: 9.00%. These are not labelled Kanakadhara and are not merged into its terms

The STP page's digital eligibility, cooling-off and penal-charge terms are not attributed to the separate agriculture scheme.
No 6–12 month figure is selected as authoritative; all current published variants remain visible as a conflict.

UCO Bank Agriculture Credit catalogue; STP Gold Loan rate table; -linked rate schedule · Agriculture catalogue lines 159–171; STP Gold Loan lines 95–101; lines 199–204 · accessed 30 Sept 2026Open official source ↗

UCO Bank Krishi Kanakadhara Gold Loan

What the official sources publish

Benefits and features

Eligibility

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Complete rates, limits and schedules

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