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Compare SBI vs UCO Bank Loan Against Property

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Interest Rate
Interest Rate
9.10% - 13.10%
9.45% - 10.45%
Processing Fees
Processing Fees
Upto 1.00%
Max ₹ 50,000
Upto 1.00%
Maximum Loan Amount
Maximum Loan Amount
₹ 7.50 Cr
₹ 5 Cr
Loan to Property Value Ratio
Loan to Property Value Ratio
Upto 80%
Upto 50%
Maximum Tenure
Maximum Tenure
10 Years
12 Years
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 1,272
₹ 1,164
Benchmark Rate
Benchmark Rate
Minimum Age
Minimum Age
18 Years
21 Years
Maximum Age
Maximum Age
70 Years
65 Years
Overdraft Facility
Overdraft Facility
Customer Ratings (Read Reviews)
Customer Ratings (Read Reviews)
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Compare Loan Against Property EMI of SBI and UCO Bank

Loan Amount SBI UCO Bank
₹ 10 Lakh ₹ 12,722 ₹ 11,635
₹ 15 Lakh ₹ 19,083 ₹ 17,453
₹ 30 Lakh ₹ 38,165 ₹ 34,906
₹ 50 Lakh ₹ 63,609 ₹ 58,176

Which is a better bank for Loan Against Property – SBI or UCO Bank?

UCO Bank offers lower Loan Against Property EMI at ₹ 1,164 on a Loan Against Property for 12 Years as compared to SBI with a minimum EMI of ₹ 1,272 for 10 Years. Average customer ratings for UCO Bank is currently at 2.5/5.0 which makes it a good choice for taking a Loan Against Property.

How does SBI Loan Against Property compare with UCO Bank Loan Against Property?

It is important to do a detailed comparison of SBI and UCO Bank on all loan terms and conditions to understand their differences and make an informed decision. Keep in mind that each bank’s scheme has its pros and cons that have to be evaluated before choosing the best offer. Some of the key results of the comparison between the two banks are:

  • Lowest Interest rate of SBI Loan Against Property is 9.10%, which is lower than the lowest interest rate of UCO Bank at 9.45% and hence, SBI is offering a cheaper loan option.
  • When compared to other Loan Against Property charges such as processing fees SBI and UCO Bank charge the lowest processing fees as 1.00% of the loan amount.
  • SBI offers Loan Against Property upto 80% of the property value while UCO Bank offers mortgage loan upto 50% of property value. Hence, SBI can be a better option if you are looking for a high value amount.
  • SBI is a with its Loan Against Property rates benchmarked to RLLR. On the other hand, UCO Bank is a with its home loan rates benchmarked to RLLR. Hence, both banks are benchmarked to the same rate, making them a comparable option to choose from.
  • SBI has an average customer ratings of 3.5, while UCO Bank has an average customer rating of 2.5, based on which it is clear that SBI has a high customer service focus, an easy Loan Against Property process and a quick turnaround.

Which bank offers a lower interest rate on Loan Against Property – SBI or UCO Bank?

As per the current rates, SBI offers a lower interest rate of 9.10% on Loan Against Property when compared to UCO Bank which offers a Loan Against Property at 9.45%.

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Loan Against Property News - Dec 2022
  • 2022-11-02 : Karnataka Bank Registers Net Profit in the Q2 of 2022-23
    The bank has registered a net profit of ₹411.63 crores in the Q2 of 2022-23. In the corresponding quarter, it saw ₹125.61 crores, thus registering a growth of 227.70 percent.
  • 2022-10-18 : SBI Credit Card Holders ALERT! State Bank hikes charges on EMI transactions, Rent Payments
    In a move that may further make credit card usage costlier, the State Bank of India has revised certain charges for its credit card users. The new charges will come into effect from November 15. The processing fee on merchant EMI transactions has been revised to Rs 199 + applicable taxes from earlier Rs 99 + applicable taxes. Processing fee on rent payment transactions will be Rs 99 + applicable taxes," said the bank.
  • 2022-09-12 : Indian Overseas Bank raises MCLR rates by up to 0.10%
    Indian Overseas Bank has revised upwards the MCLR rates by 0.10 per cent across tenors. The benchmark 1-year tenor marginal cost of funds based lending rate (MCLR) has been revised to 7.75 per cent against the existing rate of 7.65 per cent. The two and three-year MCLRs have been hiked by a similar margin to 7.80 per cent each.
  • 2022-08-18 : HDFC bank opens its first all women branch in Kerela`s kozhikode.
    HDFC has opened its first all-women branch in Kozhikode. The branch, located in Cherootty Road, the hub of traders in the district, will have 4 women bankers. HDFC Bank is driving diversity and inclusion within the organization with a special focus on enhancing gender diversity.
  • 2022-08-18 : CCI`s nod to the merger of HDFC Bank, HDFC Ltd.
    The Competition Commission of India (CCI) has approved the proposal of merger of HDFC Bank and HDFC Ltd. Commission`s positive response to the combination involving amalgamation of HDFC Limited, HDFc Bank, HDFC Investments and HDFC Holdings.
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