UCO Bank

UCOBANK

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Market Cap

₹ 36,540 Cr

P/E

14.79

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Performance

UNDER PERFORMER

Valuation

REASONABLE

Growth

SLUGGISH

Profitability

LOW MARGIN

Technicals

Bearish

Risk

HIGH RISK

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Price

PE Ratio

Price

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Overview

Detailed Summary

UCO Bank is a government-owned commercial bank headquartered in Kolkata, offering a range of banking services including international and digital banking.

The bank recorded robust growth in credit and deposits, with a 16.56% year-on-year increase in credit and a 10.85% increase in deposits, surpassing its guidance.

UCO Bank's focus on the RAM sector (Retail, Agri, MSME) has driven strong credit growth, particularly in the retail segment, with vehicle loan growth witnessing a staggering 72.87% increase.

Despite economic challenges, UCO Bank has improved its asset quality with a reduction in Gross NPA to 2.56% and Net NPA to 0.43% over the past year.

The bank is actively expanding its digital footprint, with investments in digital infrastructure aimed at transforming customer experiences through mobile and digital banking solutions.

Sector

Banks

Industry

Banks - Public Sector

Market Cap

36,540 Cr

Volatility

High Risk

P/E Ratio

14.8

Industry P/E

9.3

PEG Ratio

0.4

P/B Ratio

1.3

52W High

47.15

52W Low

26.83

Sales CAGR

14.70%

18.72%

10.62%

10Y

3.40%

Profit CAGR

47.85%

38.03%

—

10Y

—

ROE

TTM

7.92%

7.09%

5.42%

10Y

-4.24%

ROCE

TTM

5.32%

11.68%

11.94%

10Y

12.86%

Technicals

‌

Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
INDIANB	773.05	1,05,622 Cr	8.96	1.52	2.07	14.43	5.88	1.20
IOB	36.57	71,192 Cr	16.14	2.31	0.00	12.46	5.66	0.99
BANKINDIA	139.50	64,557 Cr	6.44	0.86	2.86	11.37	5.70	0.87
MAHABANK	56.51	44,165 Cr	7.26	1.50	2.61	19.52	5.65	1.64
UCOBANK	28.73	36,540 Cr	14.79	1.31	1.34	7.92	5.32	0.67
CENTRALBK	36.16	33,074 Cr	7.31	0.96	0.51	11.65	5.34	0.89
PSB	27.14	19,704 Cr	17.04	1.57	0.25	8.50	5.80	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)

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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

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%	95.39%	90.95%	90.95%	90.95%
FIIs	0.06%	0.16%	0.05%	0.10%	0.01%	0.03%	0.03%	0.02%	0.02%	0.44%	0.01%	0.13%
DIIs	1.38%	1.37%	1.35%	1.37%	1.33%	1.32%	1.33%	1.33%	1.33%	5.36%	4.86%	4.53%
Public	3.17%	3.08%	3.21%	3.14%	3.28%	3.25%	3.25%	3.26%	3.25%	3.25%	4.17%	4.39%
Total Shareholders	5,43,695	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

Projection

Actions

Action Type

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Announcements

Last 7 days

Newest

Sentiment

Interest Rate Update

6 days ago

UCO Bank Interest Rates Update

UCO Bank has revised its benchmark rates effective from 11.12.2025, with minor adjustments in MCLR and other rates, while some rates remain unchanged.

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

Investor Presentation

Q1 FY25

Investor Presentation

Q3 FY24

Investor Presentation

Q2 FY24

Showing 1 - 8 of 12

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Overall

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Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

View Standalone

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)

View Standalone

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)

View Standalone

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

Overview

Detailed Summary

UCO Bank is a government-owned commercial bank headquartered in Kolkata, offering a range of banking services including international and digital banking.

The bank recorded robust growth in credit and deposits, with a 16.56% year-on-year increase in credit and a 10.85% increase in deposits, surpassing its guidance.

UCO Bank's focus on the RAM sector (Retail, Agri, MSME) has driven strong credit growth, particularly in the retail segment, with vehicle loan growth witnessing a staggering 72.87% increase.

Despite economic challenges, UCO Bank has improved its asset quality with a reduction in Gross NPA to 2.56% and Net NPA to 0.43% over the past year.

The bank is actively expanding its digital footprint, with investments in digital infrastructure aimed at transforming customer experiences through mobile and digital banking solutions.

Sector

Banks

Industry

Banks - Public Sector

Market Cap

36,540 Cr

Volatility

High Risk

P/E Ratio

14.8

Industry P/E

9.3

PEG Ratio

0.4

P/B Ratio

1.3

52W High

47.15

52W Low

26.83

Sales CAGR

14.70%

18.72%

10.62%

10Y

3.40%

Profit CAGR

47.85%

38.03%

—

10Y

—

ROE

TTM

7.92%

7.09%

5.42%

10Y

-4.24%

ROCE

TTM

5.32%

11.68%

11.94%

10Y

12.86%

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
INDIANB	773.05	1,05,622 Cr	8.96	1.52	2.07	14.43	5.88	1.20
IOB	36.57	71,192 Cr	16.14	2.31	0.00	12.46	5.66	0.99
BANKINDIA	139.50	64,557 Cr	6.44	0.86	2.86	11.37	5.70	0.87
MAHABANK	56.51	44,165 Cr	7.26	1.50	2.61	19.52	5.65	1.64
UCOBANK	28.73	36,540 Cr	14.79	1.31	1.34	7.92	5.32	0.67
CENTRALBK	36.16	33,074 Cr	7.31	0.96	0.51	11.65	5.34	0.89
PSB	27.14	19,704 Cr	17.04	1.57	0.25	8.50	5.80	0.67

Uco Bank

UCO Bank

UCOBANK

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Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

Shareholdings

Shareholding History

Projection

Actions

Announcements

Documents

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Technicals

Forecasts

Documents

Shareholdings

Shareholding History

Projection

Oscillators

Neutral

Overall

Bearish

Moving Averages

Bearish

Overall

Bearish

Financial Statements

AI Powered Summary

AI Mode

Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

UCO Bank

UCOBANK

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Overview

Sector

Industry

Market Cap

Volatility

P/E Ratio

Industry P/E

PEG Ratio

P/B Ratio

52W High

52W Low

Investment Checklist

Peers

Price Chart Comparison

Announcements