UCO Bank

Finance to Micro & Small Enterprises

Finance to Micro & Small Enterprises

SME Finance takes care of the funding needs of Micro & Small Entrepreneurs. Keeping in view the specific requirements of these units, UCO Bank has introduced a range of products at attractive rate of interests. The Bank also provides collateral free loans upto Rs 200 lakh under SME.

In terms of MSMED Act, 2006 the MSE(Micro & Small Enterprises) segment is broadly classified as under:

Particulars Original Investment in Plant & Machineries of Manufacturing Enterprises Original investment in equipment of Service Sector Enterprises
Micro Enterprises Upto Rs. 25.00 lakh Upto Rs. 10.00 lakh
Small Enterprises Above Rs. 25.00 lakh and upto Rs. 500.00 lakh Above Rs. 10.00 lakh and upto Rs. 200.00 lakh


MSE-Manufacturing MSE-Services
Loans given to enterprises engaged in the manufacture or production, processing or preservation of goods in general including the following :


  • Printing
  • Printing and publishing as integrated unit.
  • Medical Equipment and Ayurvedic Product
  • Composite unit of Bacon Processing and Piggy Farm

(The activity of Bee Keeping is farming allied activity and therefore, would not be covered in either manufacturing and service activity

Piggery farm without bacon processing shall not be classified either as manufacturing or as service enterprise because this is a farming activity)

  • Beedi/Cigarette Manufacturing and other tobacco products.
  • Extraction of Agave sprit from Agave juice (imported medicinal plant) extraction of Agave
  • Manufacture of Bio Fertilizer
  • Tobacco Processing.


Loans given to enterprises engaged in providing or rendering of services in general including the following :


  • Small Road and Water Transport Operators.
  • Small Business
  • Professional & Self-employed persons,
  • And other service enterprises engaged in activities, viz,
    • Consultancy Services including management services
    • Composite Broker Services in risk and insurance management
    • Seed grading services
    • Training-cum-Incubator centre
    • Educational Institutions
    • Training Institutes
    • Retail Trade
    • Practice of law i.e. legal services
    • Trading in medical instruments (brand new)
    • Placement and Management Consultancy Services
    • Advertising Agency and
  • Publishing.
  • Sanitation Services (Hiring of
  • Septic tank cleaner)
  • Clinical/Pathological Laboratories
  • and Scanning, MRI tests.
  • Hospitals
  • Agri-clinic and agri-business.
  • Restaurant with Bar
  • Canteens
  • Hotels
  • Motel Industry
  • Renting of Agriculture Machinery
  • (Harvesting)
  • Composite Broker Services in Risk and Insurance Management
  • Third Party Administration (TPA) Services for Medical Insurance Claims.
  • Training-cum-Incubator Centre
  • Placement and management consultancy services
  • Advertising Agencies and Training Centres.
  • Separation of iron scraps from slag pots.
  • Generation of electricity though windmill.
  • Development of Software and providing software services
  • Seed processing (for genetic enhancement), (involving collection of germ plasm, cleaning, gravity separation, chemical treatment etc.)
  • Composite unit of Poultry with Chicken (Meat) Processing { Poultry Farm without chicken (Meat) processing shall not be classified either as manufacturing or as service enterprise because this is a farming activity}
  • Medical Transcription Service.
  • Production of T.V. Serial and other T.V. Programmes,
  • Ripening of Raw Fruits under controlled conditions,
    [Subject to norms prescribed by Food Safety and Standards Authority of India, (Ministry of Health and Family Welfare, Government of India)]
  • Service rating Agency,
  • (Rating and grading services across sectors based on set methodology and standards)
  • Advertising Agencies
  • Marketing Consultancies
  • Industrial Consultancies
  • Equipment Rental and Leasing
  • Typing Centers
  • Photo copying Centers
  • Industrial R &D Labs
  • Industrial Testing Labs
  • Desktop Publishing
  • Setting up of Cyber Cafes
  • Auto Repairs Services and Garages
  • Documentary Films on themes like family planning, social forestry, energy conservation, commercial advertising.
  • Laboratories engaged in testing of Raw Materials and Finished Products.
  • Servicing Industry undertakings engaged in maintenance, repairs, testing or servicing of all types of vehicles and machinery of any description including electronics/electrical equipments/instruments i.e.
    measuring/control instruments, television, Tape Recorder, VCR, Radios, transformers, motors,
    watches etc.
  • Laundry and Dry Cleaning
  • X-Ray clinic
  • Tailoring
  • Servicing of agriculture farm equipment e.g. tractor, pumps, rig, boring machines etc.
  • Weigh Bridge
  • Photographic Lab
  • Blue Printing and enlargement of drawing/ Design Facilities
  • ISD/STD Booths
  • Tele Printers/FAX services 10
  • Sub-Contracting Exchanges (SCXs) established by industry associations.
  • EDP institutes established by voluntary associations/non-government organization.
  • Color and Black and White studios equipped with processing laboratories
  • Ropeways in hilly areas.
  • Installation and operation of cable TV Network
  • Operating EPBAX underfranchisee.
  • Beauty Parlors and Crèches.

The above list is illustrative and not exhaustive. For further Information please contact nearest Branch


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