UCO Bank Revises Benchmark Interest Rates Effective January 11, 2026
UCO Bank has revised its benchmark interest rates effective January 11, 2026. The MCLR rates have been reduced across various tenors, with the one-year MCLR decreasing to 8.75% from 8.80%. TBLR rates for 3, 6, and 12 months have also been adjusted downwards. The 10-year G-Sec rate has seen an upward revision.
Changes in benchmark lending rates are common for banks and typically have a gradual impact on profitability. This specific revision does not involve a drastic change or a major policy shift that would significantly affect the bank's financial standing in the short term.
The announcement details revisions in benchmark interest rates, including both reductions and minor increases in certain rates. This is a routine operational update and does not inherently signal a significant positive or negative shift for the bank.
UCO Bank announced a revision in its benchmark interest rates following a review by the Asset Liability Management Committee (ALCO). The revised Marginal Cost of Funds based Lending Rate (MCLR) for overnight tenor will be 7.90%, down from 7.95%. For one-month tenor, the MCLR will be 7.90% (previously 8.20%), three-month at 8.40% (previously 8.45%), six-month at 8.65% (previously 8.70%), and one-year at 8.75% (previously 8.80%).
Additionally, the bank has adjusted its Treasury Bill Linked Rate (TBLR) for three-month and six-month tenors to 5.30% and 5.50% respectively, down from 5.40% and 5.55%. The TBLR for a 12-month tenor is also revised to 5.50% from 5.55%. The 10-year G-Sec Rate (YTM % p.a.) has been revised to 6.78% from 6.66% on a par yield basis.
The revised MCLR, TBLR, and 10-year G-sec rate will be effective from January 11, 2026. Other benchmark rates, including the 1-year G-Sec rate, Repo Linked Rates, Base Rate, and BPLR, will remain unchanged.
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UCO Bank filed this with the NSE as a statutory disclosure, categorised under other company updates. It is a primary document, not a recommendation, and the desk marks it low impact, the band that almost never moves a portfolio on its own.
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