UCO Bank Q4 FY25: Profit ₹652 Cr, Income ₹8,137 Cr

Key takeaway from the quarterly update

UCO Bank (NSE: UCOBANK) reported a higher profit for the March quarter (Q4 FY25), supported by an increase in total income and steady operating performance. Reported PAT for Mar’25 came in at ₹652.43 crore, up from ₹638.83 crore in Dec’24. Total income rose to ₹8,136.79 crore in Mar’25 compared with ₹7,405.89 crore in the previous quarter. The bank’s quarterly update also included operating metrics such as EBITDA and EBIT, which moved up sequentially.

Alongside the quarterly numbers, UCO Bank disclosed provisional business highlights for the quarter ended March 31, 2026. The data pointed to growth in total business, advances, and deposits, with year-on-year advances growth of 19.09%. The bank also reported domestic operating ratios such as CASA and credit-deposit ratio for the same period.

Q4 FY25 profit rises sequentially

For the quarter ended Mar’25, UCO Bank’s reported PAT was ₹652.43 crore versus ₹638.83 crore in Dec’24. The sequential growth in net profit was stated at 2.13%. Total income increased by 9.87% quarter-on-quarter to ₹8,136.79 crore from ₹7,405.89 crore.

EBITDA for Mar’25 was reported at ₹5,082.24 crore, compared with ₹4,838.46 crore in Dec’24, a growth of 5.04%. EBIT rose to ₹5,744.87 crore in Mar’25 from ₹5,427.97 crore in the previous quarter. Profit before tax (EBT) increased to ₹1,698.77 crore in Mar’25 from ₹1,585.69 crore in Dec’24, while taxes were ₹383.71 crore.

What the quarterly P&L table shows

The quarterly results table (in ₹ crore) shows that total income has trended higher over the last five reported quarters, with a visible rise in other income in Mar’25. Employee expenses in Mar’25 were higher than Dec’24, and provisions also moved up sequentially.

Consolidated performance: profit and income growth

Separately, the text also cites consolidated results for the quarter ended March, where consolidated net profit rose nearly 24% year-on-year to ₹665.72 crore from ₹537.86 crore in the corresponding quarter a year ago. Consolidated total income for the period was stated at around ₹8,136 crore, up from ₹6,984 crore a year ago.

For the full year ended March 31, 2025, UCO Bank’s consolidated net profit was reported at ₹2,468 crore compared with ₹1,671 crore in FY24. The same data set also highlighted a year-on-year improvement in asset-quality ratios and a high provision coverage ratio.

Provisional March 2026 business update: total business at ₹589,000 crore

UCO Bank announced provisional financial performance for the quarter ending March 31, 2026, reporting total business of ₹5.89 lakh crore, which converts to ₹589,000 crore. This was higher than ₹5.54 lakh crore (₹554,000 crore) in the previous quarter ended December 2025. The quarter-on-quarter rise in total business was stated at 6.32%.

Total advances were reported at ₹2.62 lakh crore (₹262,000 crore), with year-on-year growth of 19.09%. Domestic advances were ₹2.34 lakh crore (₹234,000 crore), up 20.00% year-on-year. Total deposits were ₹3.27 lakh crore (₹327,000 crore), showing 11.22% growth compared with the previous year, while domestic deposits stood at ₹3.04 lakh crore (₹304,000 crore).

Asset quality and provisioning: ratios improved in the cited updates

In the consolidated March-end snapshot, gross NPA ratio was reported at 2.69% as of March 31, improving from 3.46% a year ago. Net NPA ratio was 0.50% versus 0.89% a year ago. Provision coverage ratio was stated at 96.69%.

For the June quarter (Q1 FY26) update cited in the text, UCO Bank reported gross NPAs at 2.63% compared with 3.32% a year earlier, while net NPAs were 0.45% compared with 0.78% in the year-ago period. Provisions for bad loans rose to ₹463 crore in the quarter from ₹397 crore in the same period a year ago. The provision coverage ratio in this update improved to 96.88% from 95.76%.

Management commentary and operating indicators from Q1 FY26

In the post-results press conference mentioned in the text, Managing Director and CEO Ashwani Kumar attributed growth primarily to higher total interest income and non-interest income. The statement also said interest income from advances increased from around ₹6,000 crore to ₹6,400 crore year-on-year. Another point highlighted was that operating expenses increased by only 4%, which the bank linked to improved profitability.

The same update noted ROA at 0.71% in June versus 0.70% a year ago. Capital adequacy ratio was reported at 18.39%, up from 17.09% in the comparable quarter of FY25. Gross advances were reported to have grown 16.48% year-on-year to ₹225,101 crore as of June 30.

Stock snapshot and investor reference points

A separate market snapshot in the provided text lists UCO Bank’s share price at ₹26.77 (up 0.83% on the day) as on April 17, 2026, with a market capitalisation of ₹33,568 crore. The same snapshot shows a PE ratio of 13.50 and ROCE of 5.32%.

The text also includes an older delayed price reference of ₹28.83 on August 25, 2025. Since these are from different dates, they are best read as separate reference points rather than a single continuous price series.

Sector context: Union Bank of India’s Q4 FY26 update

The material also references Union Bank of India’s Q4 FY26 results announced on April 23. Union Bank posted net profit of ₹5,315.76 crore, up 3.03% year-on-year from ₹4,984.92 crore. Net interest income fell 1.13% year-on-year to ₹9,406 crore from ₹9,514 crore, and net interest margin contracted to 2.64% from 2.97%.

Union Bank’s gross NPA improved to 2.82% from 3.06% in the previous quarter and 3.60% a year earlier, while net NPA improved to 0.48% from 0.51% and 0.63%. Its board recommended a dividend of ₹5 per equity share (face value ₹10), subject to approvals.

Why these updates matter for tracking UCO Bank

The UCO Bank numbers offer two clear lenses for investors: quarterly profitability and the direction of business growth. On profitability, Mar’25 showed sequential improvement in total income, EBITDA, and PAT, while the consolidated numbers cited indicate a stronger year-on-year profit jump for the March quarter. On business momentum, the provisional March 31, 2026 data points to a higher total business base and strong year-on-year advances growth.

Asset-quality indicators in the cited updates show improving GNPA and NNPA ratios, alongside provision coverage above 96% in both the March-end consolidated snapshot and the June quarter update. The disclosed CASA and CD ratios for March 2026 also provide a quick check on funding mix and loan deployment.

Conclusion

UCO Bank’s Mar’25 quarter featured higher total income of ₹8,136.79 crore and reported PAT of ₹652.43 crore, with operating metrics such as EBITDA and EBIT also rising sequentially. The provisional March 31, 2026 business update showed total business of ₹589,000 crore and advances of ₹262,000 crore, alongside a domestic CASA ratio of 38.48% and a CD ratio of 80.12%. Next, investors will watch for the final audited disclosures and any further updates on business growth, asset quality, and provisioning trends in upcoming quarterly filings.