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What are UCO Bank’s new benchmark rates?
The bank’s published rate pages and PTI reporting carried by ThePrint give the current figures and, where reported, the previous rates:
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| Benchmark | Previous rate | Rate from 8 October 2026 | Source and qualification |
|---|---|---|---|
| UCO Float (repo-linked) | 8.05% | 8.30% | UCO Bank’s official page shows an RLLR of 5.50% plus a 2.80% spread, totaling 8.30%. PTI reports the previous rate. UCO Bank rate page; PTI report carried by ThePrint. |
| UCO Prime | 5.25% | 5.50% | Previous and revised rates reported by PTI. PTI report carried by ThePrint. |
| TBLR, 3-month | 5.25% | 5.30% | UCO Bank’s current official listing; previous rate reported by PTI. UCO Bank rate page; PTI report carried by ThePrint. |
| TBLR, 6-month | 5.55% | 5.70% | UCO Bank’s current official listing; previous rate reported by PTI. UCO Bank rate page; PTI report carried by ThePrint. |
| TBLR, 12-month | 5.70% | 5.95% | UCO Bank’s current official listing; previous rate reported by PTI. UCO Bank rate page; PTI report carried by ThePrint. |
| G-Sec, 1-year | 5.88% | 6.26% | Both figures reported by PTI; they are benchmark figures, not a borrower-specific loan rate. PTI report carried by ThePrint. |
| G-Sec, 10-year yield-to-maturity benchmark | 7.09% | 7.32% | Both figures reported by PTI; they are benchmark figures, not a borrower-specific loan rate. PTI report carried by ThePrint. |
How the T-bill-linked rate works
UCO Bank describes TBLR as the average yield on Treasury bills for the corresponding tenor during the previous month. Its published TBLR schedule covers specified loan categories with tenors up to 12 months; the bank also notes that eligibility depends on the loan category and applicable MCLR-linkage conditions. The listed 3-, 6- and 12-month rates therefore are not universal rates for every UCO Bank loan.
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Which rates did not change?
PTI reports that UCO Bank left MCLR, the base rate and BPLR unchanged in this revision. The bank’s MCLR schedule, dated 10 July 2026, lists these rates:
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| MCLR tenor | Rate on the 10 July 2026 schedule |
|---|---|
| Overnight | 7.90% |
| One month | 8.20% |
| Three months | 8.45% |
| Six months | 8.70% |
| One year | 8.80% |
The figures are from UCO Bank’s MCLR page. They are the schedule dated 10 July 2026, not a new MCLR revision dated 8 October.
Will your UCO Bank EMI go up?
The benchmark announcement alone cannot establish whether your EMI will rise, when a change will take effect, or by how much. The answer depends on the benchmark named in your loan agreement, your contractual spread, the loan’s reset date or frequency, and other applicable terms. A borrower whose loan follows a benchmark that did not change may have a different outcome from one whose loan follows a revised benchmark.
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To understand your own loan, check your sanction letter or loan documents for the benchmark and spread, then confirm the applicable reset date and revised rate with UCO Bank. Do not treat the full benchmark movement as an automatic increase in your loan rate or EMI.
What to compare when reviewing a loan offer
A headline benchmark rate is only one part of the borrowing cost. When comparing offers, check the benchmark type and current value, the contractual spread, reset timing, loan tenor and total repayment cost. The available rate information does not establish which lender or refinancing option would be best for a particular borrower.
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