Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    UCO Bank Swarojgar Credit Card

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    UCO Bank Swarojgar Credit Card



    When it comes to availing credit, be it for working capital needs or as block capital, MSME workers and owners face a problem. Availing immediate capital is a difficult issue and to tackle that, you must have UCO Swarojgar Credit Card. Specially designed to meet the financial needs of small scale industries and artisans, UCO SCC also brings with it many advantages including high loan quantum, competitive interest rate and easy repayment tenure options.This credit card is offered by UCO Bank under its popular MSME Banking portfolio, this card will make financial assistance easy to get and will make banking more flexible for MSME workers.

    If you need immediate credit to make your work better and if you are looking for approachable financial assistance, UCO Swarojgar Credit Card should be your choice.

    Features of UCO Swarojgar Credit Card:

    The following advantages that accompany UCO Swarojgar Credit Card makes it one of the most wanted credit products in the MSME banking industry.

    • Loan Type

      UCO SCC holder can avail composite loans including cash credit or term loan or both which offers greater flexibility.

    • Competitive Interest Rate

      UCO Swarojgar Credit Card loans come with affordable interest rates which will enable MSM entrepreneurs to avail easy loans for the betterment of their business.

    • Flexible Repayment Tenure

      Both the term loan and cash credit comes with flexible repayment tenures which will help the cardholder pay it back in easy instalments. The term loan can be paid back within 5 years.

    • Validity

      UCO SCC is valid for 5 years, subject to satisfactory operation of the bank account. The card is also to be renewed on a yearly basis following a simple review process.

    Benefits of UCO Swarojgar Credit Card:

    UCO Swarojgar Credit Card is a versatile card when it comes to meeting the monetary demands of people in MSME industry. The following are some of the benefits that come with the card.

    • Multifaceted Card

      This card with cater to the immediate credit requirements of artisans, self-help groups, auto rickshaw owners, fishermen and other micro entrepreneurs.

    • Basic Requirements

      The security and documentation requirements are minimal for UCO Swarojgar Credit Card.

    • Credit Facility

      The cardholder can avail suitable credit facility as per their requirements. Working capital or term loan or a combination of both can be availed.

    • High Credit Limits

      The cardholder can avail a maximum of Rs. 25,000 as composite loan.


    Although no separate eligibility criteria is suggested by National Bank for Agriculture and Rural Development (NABARD) who has introduced the Swarojgar scheme, UCO Swarojgar Credit Card is specially offered to the following classes of people.

    • Small artisans and handloom weavers
    • Fishermen and service sector
    • Rickshaw owners
    • Micro Entrepreneurs
    • Self-employed individuals
    • Self Help Groups
    • Small businesses covered under priority sector
    • Borrowers in urban areas

    However, UCO Bank has the freedom to judge the eligibility and select clients for Swarojgar Credit Card (SCC) scheme. For more details on income criteria and eligibility criteria for your employment type, do enquire with UCO Bank.

    Documentation Required for UCO Swarojgar Credit Card:

    The documentation required for UCO Swarojgar Credit Card depends on the source of your income and employment type. Keep the following documents handy to speed up the application process.

    • ID proof - PAN Card, voter ID, passport etc.
    • Address proof - Ration card, electricity bill etc.
    • Income documents - salary slips, income tax return statements and bank account statements

    Do enquire with UCO Bank about the comprehensive list of required documents before proceeding with the credit card application process.

    Fees and Charges - Interest Rate for UCO Swarojgar Credit Card:

    UCO Swarojgar Credit Card loans comes with an attractive interest rate of Base Rate + 1.00% per annum for term loans and cash credit.


    The applicable margin limits for UCO Swarojgar Credit Card is as per UCO Bank norms and is subject to frequent change.

    UCO Bank Swarojgar Credit Card FAQs:

    1. Is there any subsidy available from the Government for this scheme?

      No subsidy is available from the Government for the SCC scheme which was originally introduced by NABARD.

    2. Can I avail both term loan and cash credit?

      Yes, you can avail a combination of both as per your requirements.

    3. How is the fixation of working capital limit done?

      The revolving cash credit will be calculated based on the nature of employment or operating cycle and shall be fixed based on balance available after loan sanction.

    4. For what purposes can the SCC loan be used?

      The cash credit and term loan offered under the UCO SCC scheme can be used to get timely credit as block capital or working capital.

    5. What is the maximum tenure for term loans under Swarojgar Credit Card scheme?

      The maximum tenure for term loans is 5 years and the loan can be paid back in suitable instalments.


    Compare, check your eligibility and apply for credit cards online.

    UCO Bank Swarojgar Credit Card Reviews

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