Overview

Detailed Summary

UCO Bank is a government-owned commercial bank headquartered in Kolkata, specializing in a suite of banking solutions including international banking, loan schemes, and e-banking services. It boasts an international presence with branches in key Asian financial hubs.
In the latest quarter, UCO Bank reported robust growth with its business expanding by 13.25% YOY, driven by significant advances growth of 16.74% and deposit growth of 10.64%. This growth was underpinned by a substantial increase in the RAM (Retail, Agriculture, and MSME) segment.
The bank achieved notable improvement in its asset quality, reducing its Gross NPA to 2.41% and Net NPA to 0.36%. The provision coverage ratio stands impressively high at 97.32%, indicating strong risk management.
UCO Bank's digital transformation is advancing rapidly, with significant growth in digital business operations and innovations such as Project Parivartan. Over half of its financial transactions, including FDs and loans, are now conducted digitally.
The bank maintains a healthy capital base with a CRAR of 17.43%. Recent strategic initiatives, including Project Parivartan and an emphasis on enhancing digital and customer service experiences, signal a forward-looking approach.

Sector: Banks
Industry: Banks - Public Sector
Market Cap: 36,992 Cr
Volatility: High Risk
P/E Ratio: 15.0
Industry P/E: 10.7
PEG Ratio: 0.4
P/B Ratio: 1.3
52W High: 39.89
52W Low: 26.83

Sales CAGR

1Y: 14.70%
3Y: 18.72%
5Y: 10.62%
10Y: 3.40%

Profit CAGR

1Y: 47.85%
3Y: 38.03%
5Y: —
10Y: —

ROE

TTM: 7.92%
3Y: 7.09%
5Y: 5.42%
10Y: -4.24%

ROCE

TTM: 5.32%
3Y: 11.68%
5Y: 11.94%
10Y: 12.86%

Technicals

‌

Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
INDIANB	938.40	1,26,372 Cr	10.51	1.74	1.73	14.15	5.87	1.19
BANKINDIA	172.50	78,534 Cr	7.70	1.01	2.35	11.21	5.61	0.86
IOB	36.58	70,441 Cr	14.23	2.18	0.00	13.33	5.63	1.06
MAHABANK	69.00	53,072 Cr	8.19	1.68	2.17	19.46	5.65	1.65
UCOBANK	29.50	36,992 Cr	14.97	1.33	1.32	7.92	5.32	0.67
CENTRALBK	38.58	34,920 Cr	7.24	0.98	0.49	12.12	5.19	0.90
PSB	27.91	19,875 Cr	16.32	1.55	0.25	8.71	5.70	0.67

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
Revenue	4,627	4,987	5,224	5,219	5,552	5,860	6,024	6,078	6,220	6,745
Expenses	1,754	2,025	2,295	1,924	2,072	2,507	2,227	2,355	2,567	3,055
Interest	2,675	3,015	3,215	3,302	3,564	3,672	3,770	3,778	3,842	4,046
Financing Profit	198	-53	-286	-6.98	-84	-319	27	-54	-190	-356
Financing Margin %	4.28	-1.06	-5.48	-0.13	-1.51	-5.45	0.45	-0.89	-3.05	-5.28
Other Income	823	960	633	647	861	1,125	835	993	1,186	1,392
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	1,021	907	347	640	777	806	862	939	996	1,036
Tax %	36.08	35.88	35.53	37.22	35.28	34.73	36.12	35.79	35.87	37.03
Net Profit	654	557	225	404	505	538	555	607	640	666
EPS in Rs	0.52	0.45	0.18	0.32	0.40	0.43	0.43	0.49	0.51	0.56
Gross NPA %	5.63	4.78	4.48	4.14	3.85	3.46	3.32	3.18	2.91	2.69
Net NPA %	1.66	1.29	1.18	1.11	0.98	0.89	0.78	0.73	0.63	0.50

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	14,446	14,981	17,651	21,854	25,067	25,067
Expenses	8,845	7,658	6,729	8,517	9,892	10,203
Interest	8,966	8,508	10,307	13,754	15,437	15,437
Financing Profit	-3,365	-1,185	614	-416	-262	-573
Financing Margin %	-23.30	-7.91	3.48	-1.90	-1.04	-2.29
Other Income	3,424	3,101	2,508	3,266	4,407	4,407
Depreciation	134	165	218	281	311	0.00
Profit Before Tax	-75	1,750	2,905	2,569	3,834	3,834
Tax %	321.28	46.88	35.89	35.62	36.22	35.62
Net Profit	188	965	1,826	1,672	2,468	2,468
EPS in Rs	—	0.72	1.47	1.33	1.99	1.99
Dividend Payout %	0.00	0.00	0.00	20.00	18.93	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	9,918	11,956	11,956	11,956	12,540
Reserves	12,598	11,513	13,648	15,258	18,345
Borrowings	2,21,302	2,37,581	2,69,839	2,88,461	3,22,230
Other Liabilities	9,428	6,609	5,260	7,873	9,247
Total Liabilities	2,53,246	2,67,659	3,00,702	3,23,548	3,62,361
Fixed Assets	3,151	3,287	3,444	3,717	3,791
CWIP	67	48	65	65	61
Investments	93,693	96,749	95,009	92,761	94,153
Other Assets	1,56,335	1,67,575	2,02,184	2,27,006	2,64,357
Total Assets	2,53,246	2,67,659	3,00,702	3,23,548	3,62,361

Consolidated Cash Flows (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	2,422	4,399	2,983	1,002	1,913
Cash from Investing Activity	-155	-200	-267	-295	-328
Cash from Financing Activity	3,266	-1,637	-336	-430	5,869
Net Cash Flow	5,533	2,562	2,380	277	7,454

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%	90.95%	90.95%	90.95%	90.95%
FIIs	0.16%	0.05%	0.10%	0.01%	0.03%	0.03%	0.02%	0.02%	0.44%	0.01%	0.13%	0.13%
DIIs	1.37%	1.35%	1.37%	1.33%	1.32%	1.33%	1.33%	1.33%	5.36%	4.86%	4.53%	4.43%
Public	3.08%	3.21%	3.14%	3.28%	3.25%	3.25%	3.26%	3.25%	3.25%	4.17%	4.39%	4.49%
Total Shareholders	5,36,942	5,37,686	5,83,242	6,10,166	7,39,097	7,78,049	7,73,466	7,91,271	7,99,014	8,43,992	8,50,102	8,49,729

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EGM Notice

2 hours ago

UCO Bank EGM on 16 Mar 2026 to elect shareholder director and extend ED tenure

UCO Bank issued a notice for an Extraordinary General Meeting on 16-Mar-2026 at 11:00 AM via VC/OAVM to elect one shareholder director and to consider a 3-year extension of Executive Director Rajendra Kumar Saboo; e-voting and nomination dates provided.

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Frequently Asked Questions about UCO Bank

UCO Bank (UCOBANK) is currently trading at 29.04 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.

UCO Bank is a government-owned commercial bank headquartered in Kolkata, specializing in a suite of banking solutions including international banking, loan schemes, and e-banking services. It boasts an international presence with branches in key Asian financial hubs. In the latest quarter, UCO Bank reported robust growth with its business expanding by 13.25% YOY, driven by significant advances growth of 16.74% and deposit growth of 10.64%. This growth was underpinned by a substantial increase in the RAM (Retail, Agriculture, and MSME) segment. The bank achieved notable improvement in its asset quality, reducing its Gross NPA to 2.41% and Net NPA to 0.36%. The provision coverage ratio stands impressively high at 97.32%, indicating strong risk management. UCO Bank's digital transformation is advancing rapidly, with significant growth in digital business operations and innovations such as Project Parivartan. Over half of its financial transactions, including FDs and loans, are now conducted digitally. The bank maintains a healthy capital base with a CRAR of 17.43%. Recent strategic initiatives, including Project Parivartan and an emphasis on enhancing digital and customer service experiences, signal a forward-looking approach.

Over the past 52 weeks, UCO Bank has traded between a low of ₹26.83 and a high of ₹39.89. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.

UCO Bank has a market capitalization of approximately 36,991.70. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.

UCO Bank’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 14.97 and operates in the Banks sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 36,991.70 Cr, UCO Bank is classified as a Mid Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.

UCO Bank operates in the Banks sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.

The Price-to-Earnings (PE) ratio of UCO Bank is 14.97. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.

The biggest positive is the government's increased capital expenditure of ₹12.2 lakh crore, which is expected to significantly boost demand for infrastructure and corporate loans, providing a major growth opportunity for UCO Bank's loan book.

UCO Bank reported a net profit of ₹739.51 crore for the third quarter of FY26 (ending December 31, 2025), marking a 15.76% increase from the same period last year.

Uco Bank

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