UCO Bank Revises Benchmark Rates Effective December 11, 2025
UCO Bank's ALCO has revised benchmark rates effective December 11, 2025. MCLR for one year is down to 8.80%. Repo Linked Rates for UCO Float and UCO Prime are reduced to 8.05% and 5.25% respectively. Other rates like TBLR (3 months) and UCO G-Sec Rate (1 year) have also been adjusted.
Changes in benchmark lending rates directly affect the cost of borrowing for customers and the bank's profitability, thus having a medium-term impact on the bank's financial performance and loan portfolio.
The announcement details revisions to benchmark interest rates, including both reductions and no changes in some cases. This indicates a neutral financial adjustment rather than a significant positive or negative development.
UCO Bank has announced revisions to its benchmark lending rates following a review by its Asset Liability Management Committee (ALCO).
The Marginal Cost of Funds based Lending Rate (MCLR) for a one-year tenor has been reduced from 8.85% to 8.80%, effective December 11, 2025. Other MCLR tenors, including overnight, one month, three months, and six months, remain unchanged at 7.95%, 8.20%, 8.45%, and 8.70% respectively.
In addition to MCLR, the bank has also revised other benchmark rates. The Treasury Bill Linked Rate (TBLR) for a three-month tenor is reduced from 5.45% to 5.40%. The UCO G-Sec Rate (1 year) has been revised from 5.66% to 5.59%. The Repo Linked Rate – UCO Float is reduced from 8.30% to 8.05%, and the Repo Linked Rate – UCO Prime is reduced from 5.50% to 5.25%.
Rates for TBLR (6 month and 12 month), 10-year G-Sec Rate, Base Rate, and BPLR remain unchanged. The revised rates will be effective from December 11, 2025. The Base Rate and BPLR remain at 9.60% and 14.25% respectively.
What to do with a filing like this
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 medium impact: worth reading, rarely worth acting on by itself.
That call is the part a filing cannot make for you. On RealCase, SEBI-registered research analysts and investment advisers read announcements like this one and turn the ones that matter into actions inside their model portfolios: a change in weight, a hold, or nothing at all. You are not left working out which of the roughly 250 filings published each day needs a response. The portfolio you follow is updated when a filing actually warrants it, with the reason written down.
See the model portfoliosA plain-language summary of a public exchange filing by UCO Bank. Read the original for the full detail.