UCO Bank

•

₹ 25.72-0.35%

2026-08-21

uco.bank.inBSE: 532505NSE: UCOBANK

Market Cap₹ 32,214 Cr.

Current Price₹ 26

High / Low₹ 34 / 22

Stock P/E13.1

Book Value₹ 22

Price to Book1.61

Dividend Yield1.71 %

ROCE11.1 %

ROE9.4 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2025 • Corporate/Wholesale Banking: 38.4% • Other Retail Banking-Retail Banking: 33.3% • Treasury: 28.1% • Other Banking Operations: 0.2% • Digital Banking-Retail Banking: 0.0%

PROS

Comfortable capital adequacy - CAR of 18.6%
Company has consistently been profitable over the last 5 years
Strong provisioning - provision coverage ratio of 96.7%
Healthy loan book growth of 19.8% with stable asset quality
Company generates healthy free cash flow
Attractively priced for its growth - PEG of 0.3

CONS

A large part of profit comes from other income (114.9% of PBT)
Weak return ratios for a lender: 3Y avg ROA 0.6%
Operating margins have contracted to 24.1% from 32.0%
Company's return on assets is weak at 0.7%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

EDIT COLUMNS

Financial ServicesBankBank - Public

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name	CMP Rs.	P/E	Mar Cap Rs.Cr.	Div Yld %	NP Qtr Rs.Cr.	Qtr Profit Var %	Sales Qtr Rs.Cr.	Qtr Sales Var %	ROCE %	OPM %
1.	SBIN	1046.00	11.20	965522.60	1.66	24579.04	13.65	136240.49	8.36	12.16	52.34
2.	UNIONBANK	185.50	6.86	141603.38	2.70	5368.17	29.77	27427.10	1.21	14.57	69.42
3.	PNB	117.00	6.09	134467.44	2.56	5339.15	191.40	33589.17	3.12	13.26	75.40
4.	BANKBARODA	244.50	6.96	126439.81	3.48	1572.59	-53.08	35114.52	6.84	11.20	33.10
5.	INDIANB	872.00	9.19	117455.26	2.09	3299.48	48.73	18095.14	11.11	16.28	67.14
6.	CANBK	128.55	5.87	116603.22	3.27	4864.08	61.96	32957.16	4.55	14.46	68.47
7.	BANKINDIA	141.50	5.47	64420.25	3.29	3138.46	77.92	20096.90	8.83	10.97	73.18
8.	IOB	33.18	10.72	63893.36	0.00	1659.24	49.25	8777.57	18.82	11.31	54.56
9.	MAHABANK	79.85	8.15	61417.07	2.76	20205.40	1168.32	80346.50	1039.02	16.53	68.61
10.	UCOBANK	25.69	13.05	32214.13	1.71	652.43	24.09	6744.59	15.10	11.00	54.71
11.	CENTRALBK	30.92	6.13	27986.93	3.88	1328.95	5.43	9725.90	12.79	8.27	67.83
12.	PSB	23.21	0.00	16468.85	1.68	331.51	23.16	3213.37	10.40	9.07	71.38

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
	3,773	3,851	4,185	4,627	4,987	5,224	5,219	5,552	5,860	6,024	6,078	6,220	6,745
Interest Expended	2,120	2,202	2,415	2,675	3,015	3,215	3,302	3,564	3,672	3,770	3,778	3,842	4,046
Net Interest Income	1,652	1,650	1,770	1,952	1,972	2,009	1,917	1,988	2,187	2,254	2,300	2,378	2,698
	589	-54	780	823	960	633	647	861	1,125	835	993	1,186	1,392
Total Income	0	0	0	0	0	5,857	5,866	6,413	6,985	6,859	7,071	7,406	8,137
Operating Expenses	0	0	0	0	0	14,395	15,815	17,298	20,394	17,678	18,618	19,779	23,919
Operating Profit	0	0	0	0	0	12,024	9,819	11,191	12,729	13,212	14,316	15,857	16,988
Provisions & Contingencies	0	0	0	0	0	8,557	3,421	3,422	4,674	4,588	4,928	5,895	6,626
Profit before Tax	484	193	784	1,021	907	347	640	777	806	862	939	996	1,036
Tax %	35.50%	35.99%	35.65%	36.08%	35.88%	35.53%	37.22%	35.28%	34.73%	36.12%	35.79%	35.87%	37.03%
Net Profit	0	0	0	0	0	223	402	503	526	551	603	639	652
EPS	0	0	0	1	0	0	0	0	0	0	1	1	1
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	4.48%	4.14%	3.85%	3.46%	3.32%	3.18%	2.91%	2.69%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	1.18%	1.11%	0.98%	0.89%	0.78%	0.73%	0.63%	0.50%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	94.88%	0.00%	95.21%	95.38%	95.76%	95.94%	96.16%	96.69%
NIM %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Capital Adequacy %	0.00%	0.00%	0.00%	0.00%	0.00%	16.77%	16.75%	15.92%	16.91%	17.21%	16.77%	16.18%	18.45%
Return on Assets %	0.00%	0.00%	0.00%	0.00%	0.00%	0.28%	0.54%	0.68%	3.03%	0.73%	0.76%	0.80%	0.79%
Branches / ATMs / Employees	—	—	—	—	—	—	—	—	—	—	—	—	—
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	4.48%	4.14%	3.85%	3.46%	3.32%	3.18%	2.91%	2.69%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	1.18%	1.11%	0.98%	0.89%	0.78%	0.73%	0.63%	0.50%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	94.88%	0.00%	95.21%	95.38%	95.76%	95.94%	96.16%	96.69%
NIM %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Capital Adequacy %	0.00%	0.00%	0.00%	0.00%	0.00%	16.77%	16.75%	15.92%	16.91%	17.21%	16.77%	16.18%	18.45%
Return on Assets %	0.00%	0.00%	0.00%	0.00%	0.00%	0.28%	0.54%	0.68%	3.03%	0.73%	0.76%	0.80%	0.79%
Branches / ATMs / Employees	—	—	—	—	—	—	—	—	—	—	—	—	—

Mar 2022

: 3,773
Interest Expended: 2,120
Net Interest Income: 1,652
: 589
Total Income: 0
Operating Expenses: 0
Operating Profit: 0
Provisions & Contingencies: 0
Profit before Tax: 484
Tax %: 35.50%
Net Profit: 0
EPS: 0
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Jun 2022

: 3,851
Interest Expended: 2,202
Net Interest Income: 1,650
: -54
Total Income: 0
Operating Expenses: 0
Operating Profit: 0
Provisions & Contingencies: 0
Profit before Tax: 193
Tax %: 35.99%
Net Profit: 0
EPS: 0
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Sep 2022

: 4,185
Interest Expended: 2,415
Net Interest Income: 1,770
: 780
Total Income: 0
Operating Expenses: 0
Operating Profit: 0
Provisions & Contingencies: 0
Profit before Tax: 784
Tax %: 35.65%
Net Profit: 0
EPS: 0
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Dec 2022

: 4,627
Interest Expended: 2,675
Net Interest Income: 1,952
: 823
Total Income: 0
Operating Expenses: 0
Operating Profit: 0
Provisions & Contingencies: 0
Profit before Tax: 1,021
Tax %: 36.08%
Net Profit: 0
EPS: 1
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Mar 2023

: 4,987
Interest Expended: 3,015
Net Interest Income: 1,972
: 960
Total Income: 0
Operating Expenses: 0
Operating Profit: 0
Provisions & Contingencies: 0
Profit before Tax: 907
Tax %: 35.88%
Net Profit: 0
EPS: 0
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 0.00%
Return on Assets %: 0.00%
Branches / ATMs / Employees: —

Jun 2023

: 5,224
Interest Expended: 3,215
Net Interest Income: 2,009
: 633
Total Income: 5,857
Operating Expenses: 14,395
Operating Profit: 12,024
Provisions & Contingencies: 8,557
Profit before Tax: 347
Tax %: 35.53%
Net Profit: 223
EPS: 0
Gross NPA %: 4.48%
Net NPA %: 1.18%
Provision Coverage %: 94.88%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 16.77%
Return on Assets %: 0.28%
Branches / ATMs / Employees: —
Gross NPA %: 4.48%
Net NPA %: 1.18%
Provision Coverage %: 94.88%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 16.77%
Return on Assets %: 0.28%
Branches / ATMs / Employees: —

Sep 2023

: 5,219
Interest Expended: 3,302
Net Interest Income: 1,917
: 647
Total Income: 5,866
Operating Expenses: 15,815
Operating Profit: 9,819
Provisions & Contingencies: 3,421
Profit before Tax: 640
Tax %: 37.22%
Net Profit: 402
EPS: 0
Gross NPA %: 4.14%
Net NPA %: 1.11%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 16.75%
Return on Assets %: 0.54%
Branches / ATMs / Employees: —
Gross NPA %: 4.14%
Net NPA %: 1.11%
Provision Coverage %: 0.00%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 16.75%
Return on Assets %: 0.54%
Branches / ATMs / Employees: —

Dec 2023

: 5,552
Interest Expended: 3,564
Net Interest Income: 1,988
: 861
Total Income: 6,413
Operating Expenses: 17,298
Operating Profit: 11,191
Provisions & Contingencies: 3,422
Profit before Tax: 777
Tax %: 35.28%
Net Profit: 503
EPS: 0
Gross NPA %: 3.85%
Net NPA %: 0.98%
Provision Coverage %: 95.21%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 15.92%
Return on Assets %: 0.68%
Branches / ATMs / Employees: —
Gross NPA %: 3.85%
Net NPA %: 0.98%
Provision Coverage %: 95.21%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 15.92%
Return on Assets %: 0.68%
Branches / ATMs / Employees: —

Mar 2024

: 5,860
Interest Expended: 3,672
Net Interest Income: 2,187
: 1,125
Total Income: 6,985
Operating Expenses: 20,394
Operating Profit: 12,729
Provisions & Contingencies: 4,674
Profit before Tax: 806
Tax %: 34.73%
Net Profit: 526
EPS: 0
Gross NPA %: 3.46%
Net NPA %: 0.89%
Provision Coverage %: 95.38%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 16.91%
Return on Assets %: 3.03%
Branches / ATMs / Employees: —
Gross NPA %: 3.46%
Net NPA %: 0.89%
Provision Coverage %: 95.38%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 16.91%
Return on Assets %: 3.03%
Branches / ATMs / Employees: —

Jun 2024

: 6,024
Interest Expended: 3,770
Net Interest Income: 2,254
: 835
Total Income: 6,859
Operating Expenses: 17,678
Operating Profit: 13,212
Provisions & Contingencies: 4,588
Profit before Tax: 862
Tax %: 36.12%
Net Profit: 551
EPS: 0
Gross NPA %: 3.32%
Net NPA %: 0.78%
Provision Coverage %: 95.76%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 17.21%
Return on Assets %: 0.73%
Branches / ATMs / Employees: —
Gross NPA %: 3.32%
Net NPA %: 0.78%
Provision Coverage %: 95.76%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 17.21%
Return on Assets %: 0.73%
Branches / ATMs / Employees: —

Sep 2024

: 6,078
Interest Expended: 3,778
Net Interest Income: 2,300
: 993
Total Income: 7,071
Operating Expenses: 18,618
Operating Profit: 14,316
Provisions & Contingencies: 4,928
Profit before Tax: 939
Tax %: 35.79%
Net Profit: 603
EPS: 1
Gross NPA %: 3.18%
Net NPA %: 0.73%
Provision Coverage %: 95.94%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 16.77%
Return on Assets %: 0.76%
Branches / ATMs / Employees: —
Gross NPA %: 3.18%
Net NPA %: 0.73%
Provision Coverage %: 95.94%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 16.77%
Return on Assets %: 0.76%
Branches / ATMs / Employees: —

Dec 2024

: 6,220
Interest Expended: 3,842
Net Interest Income: 2,378
: 1,186
Total Income: 7,406
Operating Expenses: 19,779
Operating Profit: 15,857
Provisions & Contingencies: 5,895
Profit before Tax: 996
Tax %: 35.87%
Net Profit: 639
EPS: 1
Gross NPA %: 2.91%
Net NPA %: 0.63%
Provision Coverage %: 96.16%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 16.18%
Return on Assets %: 0.80%
Branches / ATMs / Employees: —
Gross NPA %: 2.91%
Net NPA %: 0.63%
Provision Coverage %: 96.16%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 16.18%
Return on Assets %: 0.80%
Branches / ATMs / Employees: —

Mar 2025

: 6,745
Interest Expended: 4,046
Net Interest Income: 2,698
: 1,392
Total Income: 8,137
Operating Expenses: 23,919
Operating Profit: 16,988
Provisions & Contingencies: 6,626
Profit before Tax: 1,036
Tax %: 37.03%
Net Profit: 652
EPS: 1
Gross NPA %: 2.69%
Net NPA %: 0.50%
Provision Coverage %: 96.69%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 18.45%
Return on Assets %: 0.79%
Branches / ATMs / Employees: —
Gross NPA %: 2.69%
Net NPA %: 0.50%
Provision Coverage %: 96.69%
NIM %: 0.00%
CASA %: 0.00%
Capital Adequacy %: 18.45%
Return on Assets %: 0.79%
Branches / ATMs / Employees: —

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	0	0	0	21,854	25,067	—
Interest Expended	8,966	8,508	10,307	13,754	15,437	15,437
Net Interest Income	-8,966	-8,508	-10,307	8,101	9,630	—
	3,424	3,101	2,508	3,266	4,407	4,407
Total Income	0	0	0	25,120	29,474	29,474
	0	0	0	6,790	7,999	—
Operating Profit	-8,966	-8,508	-10,307	4,576	6,037	—
	440	210	324	2,007	2,204	—
Profit before Tax	-75	1,750	2,905	2,569	3,834	3,834
Tax %	0	0	0	36	36	36
Net Profit	167	930	1,862	1,654	2,445	2,445
EPS	0	1	2	1	2	—
NIM %	—	—	—	—	—	—
Cost-to-Income %	—	—	—	—	—	—
Credit Cost %	—	—	—	—	—	—
NIM %	—	—	—	—	—	—
Cost-to-Income %	—	—	—	—	—	—
Credit Cost %	—	—	—	—	—	—

Mar 2021

: 0
Interest Expended: 8,966
Net Interest Income: -8,966
: 3,424
Total Income: 0
: 0
Operating Profit: -8,966
: 440
Profit before Tax: -75
Tax %: 0
Net Profit: 167
EPS: 0
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2022

: 0
Interest Expended: 8,508
Net Interest Income: -8,508
: 3,101
Total Income: 0
: 0
Operating Profit: -8,508
: 210
Profit before Tax: 1,750
Tax %: 0
Net Profit: 930
EPS: 1
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2023

: 0
Interest Expended: 10,307
Net Interest Income: -10,307
: 2,508
Total Income: 0
: 0
Operating Profit: -10,307
: 324
Profit before Tax: 2,905
Tax %: 0
Net Profit: 1,862
EPS: 2
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2024

: 21,854
Interest Expended: 13,754
Net Interest Income: 8,101
: 3,266
Total Income: 25,120
: 6,790
Operating Profit: 4,576
: 2,007
Profit before Tax: 2,569
Tax %: 36
Net Profit: 1,654
EPS: 1
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2025

: 25,067
Interest Expended: 15,437
Net Interest Income: 9,630
: 4,407
Total Income: 29,474
: 7,999
Operating Profit: 6,037
: 2,204
Profit before Tax: 3,834
Tax %: 36
Net Profit: 2,445
EPS: 2
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

TTM

: —
Interest Expended: 15,437
Net Interest Income: —
: 4,407
Total Income: 29,474
: —
Operating Profit: —
: —
Profit before Tax: 3,834
Tax %: 36
Net Profit: 2,445
EPS: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: —
3 Years:: 19%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: —
3 Years:: 40%

STOCK PRICE CAGR

10 Years:: -5%
5 Years:: 15%
3 Years:: -6%
1 Year:: -12%

RETURN ON EQUITY

10 Years:: —
5 Years:: 6%
3 Years:: 8%
Last Year:: 9%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
LIABILITIES	-	-	-	-	-
Equity Capital	9,918	11,956	11,956	11,956	12,540
	9,998	11,513	13,648	15,258	18,345
	2,05,919	2,24,073	2,49,338	2,63,130	2,93,542
	15,383	13,508	20,501	25,331	28,687
Other Liabilities & Provisions	9,428	6,609	5,260	7,873	9,247
Total Liabilities	2,53,246	2,67,659	3,00,702	32	36
ASSETS	-	-	-	-	-
	9,445	10,288	10,300	10,197	10,359
Balances with Banks & Money at Call	14,155	15,860	18,428	18,828	25,768
	93,693	96,749	95,009	92,761	94,153
	1,11,355	1,22,784	1,55,870	1,82,022	2,15,135
	3,151	3,287	3,444	3,717	3,791
	21,380	18,643	17,586	15,958	13,095
Total Assets	2,53,246	2,67,659	3,00,702	32	36
CASA Deposits	70,809	77,162	81,096	86,084	90,482
CASA Ratio (%)	34.39	34.44	32.52	32.72	30.82
Credit-Deposit Ratio (%)	54.08	54.80	62.51	69.18	73.29
Contingent Liabilities	73,353	1,42,557	55,598	60,951	1,28,834
Bills for Collection	0	0	0	8,001	7,595
Book Value per Share	17.37	17.34	19.07	20.25	22.20
CASA Deposits	70,809	77,162	81,096	86,084	90,482
CASA Ratio (%)	34.39	34.44	32.52	32.72	30.82
Credit-Deposit Ratio (%)	54.08	54.80	62.51	69.18	73.29
Contingent Liabilities	73,353	1,42,557	55,598	60,951	1,28,834
Bills for Collection	0	0	0	8,001	7,595
Book Value per Share	17.37	17.34	19.07	20.25	22.20

Mar 2021

Equity Capital: 9,918
: 9,998
: 2,05,919
: 15,383
Other Liabilities & Provisions: 9,428
Total Liabilities: 2,53,246
: 9,445
Balances with Banks & Money at Call: 14,155
: 93,693
: 1,11,355
: 3,151
: 21,380
Total Assets: 2,53,246
CASA Deposits: 70,809
CASA Ratio (%): 34.39
Credit-Deposit Ratio (%): 54.08
Contingent Liabilities: 73,353
Bills for Collection: 0
Book Value per Share: 17.37
CASA Deposits: 70,809
CASA Ratio (%): 34.39
Credit-Deposit Ratio (%): 54.08
Contingent Liabilities: 73,353
Bills for Collection: 0
Book Value per Share: 17.37

Mar 2022

Equity Capital: 11,956
: 11,513
: 2,24,073
: 13,508
Other Liabilities & Provisions: 6,609
Total Liabilities: 2,67,659
: 10,288
Balances with Banks & Money at Call: 15,860
: 96,749
: 1,22,784
: 3,287
: 18,643
Total Assets: 2,67,659
CASA Deposits: 77,162
CASA Ratio (%): 34.44
Credit-Deposit Ratio (%): 54.80
Contingent Liabilities: 1,42,557
Bills for Collection: 0
Book Value per Share: 17.34
CASA Deposits: 77,162
CASA Ratio (%): 34.44
Credit-Deposit Ratio (%): 54.80
Contingent Liabilities: 1,42,557
Bills for Collection: 0
Book Value per Share: 17.34

Mar 2023

Equity Capital: 11,956
: 13,648
: 2,49,338
: 20,501
Other Liabilities & Provisions: 5,260
Total Liabilities: 3,00,702
: 10,300
Balances with Banks & Money at Call: 18,428
: 95,009
: 1,55,870
: 3,444
: 17,586
Total Assets: 3,00,702
CASA Deposits: 81,096
CASA Ratio (%): 32.52
Credit-Deposit Ratio (%): 62.51
Contingent Liabilities: 55,598
Bills for Collection: 0
Book Value per Share: 19.07
CASA Deposits: 81,096
CASA Ratio (%): 32.52
Credit-Deposit Ratio (%): 62.51
Contingent Liabilities: 55,598
Bills for Collection: 0
Book Value per Share: 19.07

Mar 2024

Equity Capital: 11,956
: 15,258
: 2,63,130
: 25,331
Other Liabilities & Provisions: 7,873
Total Liabilities: 32
: 10,197
Balances with Banks & Money at Call: 18,828
: 92,761
: 1,82,022
: 3,717
: 15,958
Total Assets: 32
CASA Deposits: 86,084
CASA Ratio (%): 32.72
Credit-Deposit Ratio (%): 69.18
Contingent Liabilities: 60,951
Bills for Collection: 8,001
Book Value per Share: 20.25
CASA Deposits: 86,084
CASA Ratio (%): 32.72
Credit-Deposit Ratio (%): 69.18
Contingent Liabilities: 60,951
Bills for Collection: 8,001
Book Value per Share: 20.25

Mar 2025

Equity Capital: 12,540
: 18,345
: 2,93,542
: 28,687
Other Liabilities & Provisions: 9,247
Total Liabilities: 36
: 10,359
Balances with Banks & Money at Call: 25,768
: 94,153
: 2,15,135
: 3,791
: 13,095
Total Assets: 36
CASA Deposits: 90,482
CASA Ratio (%): 30.82
Credit-Deposit Ratio (%): 73.29
Contingent Liabilities: 1,28,834
Bills for Collection: 7,595
Book Value per Share: 22.20
CASA Deposits: 90,482
CASA Ratio (%): 30.82
Credit-Deposit Ratio (%): 73.29
Contingent Liabilities: 1,28,834
Bills for Collection: 7,595
Book Value per Share: 22.20

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

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

Mar 2021

: 2,422
Cash from Investing: -155
Cash from Financing: 3,266
: 5,533

Mar 2022

: 4,399
Cash from Investing: -200
Cash from Financing: -1,637
: 2,562

Mar 2023

: 2,983
Cash from Investing: -267
Cash from Financing: -336
: 2,380

Mar 2024

: 1,002
Cash from Investing: -295
Cash from Financing: -430
: 277

Mar 2025

: 1,913
Cash from Investing: -328
Cash from Financing: 5,869
: 7,454

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
PER SHARE	-	-	-	-	-
EPS (₹)	0.15	0.75	1.53	1.40	1.97
Book Value (₹)	17.37	17.34	19.07	20.25	22.20
Dividend per Share (₹)	0.00	0.00	0.00	0.28	0.39
PROFITABILITY	-	-	-	-	-
Net Interest Margin %	0.00%	0.00%	0.00%	2.67%	2.79%
ROA %	0.07%	0.36%	0.66%	0.53%	0.71%
ROE %	0.97%	4.90%	8.56%	7.03%	9.39%
	0.00%	0.00%	0.00%	59.74%	56.99%
ASSET QUALITY	-	-	-	-	-
Gross NPA %	0.00%	0.00%	0.00%	3.46%	2.69%
Net NPA %	0.00%	0.00%	0.00%	0.89%	0.50%
Provision Coverage %	0.00%	0.00%	0.00%	95.38%	96.69%
Slippage Ratio %	—	—	—	—	—
BALANCE SHEET & LIQUIDITY	-	-	-	-	-
CASA %	0.00%	0.00%	0.00%	37.45%	35.83%
Credit-Deposit Ratio %	0.00%	0.00%	0.00%	0.10%	0.10%
	0.00%	0.00%	0.00%	0.00%	0.00%
GROWTH & VALUATION	-	-	-	-	-
Net Profit Growth %	0.00%	456.63%	100.30%	-11.20%	47.85%
Book Value Growth %	0.00%	0.00%	0.00%	6.21%	9.61%
P/E (x)	0.00x	0.00x	0.00x	37.35x	18.16x
P/B (x)	0.00x	0.00x	0.00x	2.58x	1.61x
	0.00%	0.00%	0.00%	0.54%	1.09%

Mar 2021

EPS (₹): 0.15
Book Value (₹): 17.37
Dividend per Share (₹): 0.00
Net Interest Margin %: 0.00%
ROA %: 0.07%
ROE %: 0.97%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: 0.00%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2022

EPS (₹): 0.75
Book Value (₹): 17.34
Dividend per Share (₹): 0.00
Net Interest Margin %: 0.00%
ROA %: 0.36%
ROE %: 4.90%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: 456.63%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2023

EPS (₹): 1.53
Book Value (₹): 19.07
Dividend per Share (₹): 0.00
Net Interest Margin %: 0.00%
ROA %: 0.66%
ROE %: 8.56%
: 0.00%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 0.00%
Credit-Deposit Ratio %: 0.00%
: 0.00%
Net Profit Growth %: 100.30%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2024

EPS (₹): 1.40
Book Value (₹): 20.25
Dividend per Share (₹): 0.28
Net Interest Margin %: 2.67%
ROA %: 0.53%
ROE %: 7.03%
: 59.74%
Gross NPA %: 3.46%
Net NPA %: 0.89%
Provision Coverage %: 95.38%
Slippage Ratio %: —
CASA %: 37.45%
Credit-Deposit Ratio %: 0.10%
: 0.00%
Net Profit Growth %: -11.20%
Book Value Growth %: 6.21%
P/E (x): 37.35x
P/B (x): 2.58x
: 0.54%

Mar 2025

EPS (₹): 1.97
Book Value (₹): 22.20
Dividend per Share (₹): 0.39
Net Interest Margin %: 2.79%
ROA %: 0.71%
ROE %: 9.39%
: 56.99%
Gross NPA %: 2.69%
Net NPA %: 0.50%
Provision Coverage %: 96.69%
Slippage Ratio %: —
CASA %: 35.83%
Credit-Deposit Ratio %: 0.10%
: 0.00%
Net Profit Growth %: 47.85%
Book Value Growth %: 9.61%
P/E (x): 18.16x
P/B (x): 1.61x
: 1.09%

Shareholding Pattern

Numbers in percentages

TRADES

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	95.39	95.39	90.95	90.95	90.95	90.95	90.95	90.95
	0.02	0.02	0.44	0.13	0.13	0.14	0.08	0.06
	1.32	1.33	5.36	4.74	4.52	4.42	4.39	4.30
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Public	3.26	3.25	3.25	4.17	4.39	4.49	4.57	4.69

Sep 2024

: 95.39
: 0.02
: 1.32
Government: 0.00
Public: 3.26

Dec 2024

: 95.39
: 0.02
: 1.33
Government: 0.00
Public: 3.25

Mar 2025

: 90.95
: 0.44
: 5.36
Government: 0.00
Public: 3.25

Jun 2025

: 90.95
: 0.13
: 4.74
Government: 0.00
Public: 4.17

Sep 2025

: 90.95
: 0.13
: 4.52
Government: 0.00
Public: 4.39

Dec 2025

: 90.95
: 0.14
: 4.42
Government: 0.00
Public: 4.49

Mar 2026

: 90.95
: 0.08
: 4.39
Government: 0.00
Public: 4.57

Jun 2026

: 90.95
: 0.06
: 4.30
Government: 0.00
Public: 4.69

Documents

Announcements

Appointment
2026-08-13 - UCO Bank has informed the Exchange regarding Appointment of Manohar Lal Paliwal as Part- time Non-Official Director of the Bank w.e.f. August 12, 2026.
Updates
2026-08-07 - UCO Bank has informed the Exchange regarding 'Revision in Benchmark Rates'.

Annual Reports

Credit Ratings

Credit Rating
2026-08-05 - UCO Bank has informed the Exchange about Credit Rating
Credit Rating- New
2026-07-27 - UCO Bank has informed the Exchange about new Rating assigned by Fitch Ratings

Concalls

Jul 2026
Transcript PPTREC
May 2026
TranscriptPPTREC
Jan 2026
Transcript PPTREC