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/E0.0

Book Value₹ 25

Price to Book0.94

Dividend Yield1.71 %

ROCE11.0 %

ROE9.5 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Corporate/Wholesale Banking: 36.9% • Other Retail Banking-Retail Banking: 35.9% • Treasury: 27.0% • Other Banking Operations: 0.2% • Digital Banking-Retail Banking: 0.0%

PROS

Company has delivered good profit growth of 75.3% CAGR over last 5 years
Comfortable capital adequacy - CAR of 18.6%
Strong provisioning - provision coverage ratio of 97.8%
Healthy loan book growth of 19.8% with stable asset quality
Stock looks reasonably valued - P/E of 10.2 is below its historical median
Company generates healthy free cash flow

CONS

A large part of profit comes from other income (79.1% of PBT)
Weak return ratios for a lender: 3Y avg ROA 0.7%
Growth is decelerating - 3Y profit CAGR (14.1%) trails the 5Y trend (75.3%)
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

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	5,224	5,219	5,552	5,860	6,024	6,078	6,220	6,745	6,436	6,537	6,652	6,656	6,996
Interest Expended	3,215	3,302	3,564	3,672	3,770	3,778	3,842	4,046	4,033	4,004	4,006	4,042	4,188
Net Interest Income	2,009	1,917	1,988	2,187	2,254	2,300	2,378	2,698	2,403	2,533	2,646	2,614	2,808
	633	647	861	1,125	835	993	1,186	1,392	997	884	869	709	1,686
Total Income	0	0	0	0	6,859	7,071	7,406	8,137	0	0	0	0	8,682
Operating Expenses	1,439	1,581	1,730	2,039	1,768	1,862	1,978	2,392	1,838	1,804	1,835	1,750	1,685
Operating Profit	1,202	982	1,119	1,273	1,321	1,432	1,586	1,699	1,562	1,613	1,680	1,573	2,810
Provisions & Contingencies	856	342	342	467	459	493	590	663	616	588	525	326	235
Profit before Tax	347	640	777	806	862	939	996	1,036	946	1,025	1,155	1,247	2,575
Tax %	35.53%	37.22%	35.28%	34.73%	36.12%	35.79%	35.87%	37.03%	35.80%	39.54%	35.98%	35.76%	74.51%
Net Profit	223	402	503	526	551	603	639	652	607	620	740	801	656
EPS	0	0	0	0	0	0	1	1	0	0	1	1	0
Gross NPA %	0.00%	0.00%	0.00%	0.00%	3.32%	3.18%	2.91%	2.69%	0.00%	0.00%	0.00%	0.00%	2.08%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.78%	0.73%	0.63%	0.50%	0.00%	0.00%	0.00%	0.00%	0.25%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	95.76%	95.94%	96.16%	96.69%	0.00%	0.00%	0.00%	0.00%	97.85%
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%	3.24%
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%	36.94%
Capital Adequacy %	0.00%	0.00%	0.00%	0.00%	17.21%	16.77%	16.18%	18.45%	0.00%	0.00%	0.00%	0.00%	19.03%
Return on Assets %	0.00%	0.00%	0.00%	0.00%	0.73%	0.76%	0.80%	0.79%	0.00%	0.00%	0.00%	0.00%	0.68%
Branches / ATMs / Employees	—	—	—	—	—	—	—	—	—	—	—	—	—
Gross NPA %	0.00%	0.00%	0.00%	0.00%	3.32%	3.18%	2.91%	2.69%	0.00%	0.00%	0.00%	0.00%	2.08%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.78%	0.73%	0.63%	0.50%	0.00%	0.00%	0.00%	0.00%	0.25%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	95.76%	95.94%	96.16%	96.69%	0.00%	0.00%	0.00%	0.00%	97.85%
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%	3.24%
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%	36.94%
Capital Adequacy %	0.00%	0.00%	0.00%	0.00%	17.21%	16.77%	16.18%	18.45%	0.00%	0.00%	0.00%	0.00%	19.03%
Return on Assets %	0.00%	0.00%	0.00%	0.00%	0.73%	0.76%	0.80%	0.79%	0.00%	0.00%	0.00%	0.00%	0.68%
Branches / ATMs / Employees	—	—	—	—	—	—	—	—	—	—	—	—	—

Jun 2023

: 5,224
Interest Expended: 3,215
Net Interest Income: 2,009
: 633
Total Income: 0
Operating Expenses: 1,439
Operating Profit: 1,202
Provisions & Contingencies: 856
Profit before Tax: 347
Tax %: 35.53%
Net Profit: 223
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 2023

: 5,219
Interest Expended: 3,302
Net Interest Income: 1,917
: 647
Total Income: 0
Operating Expenses: 1,581
Operating Profit: 982
Provisions & Contingencies: 342
Profit before Tax: 640
Tax %: 37.22%
Net Profit: 402
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 2023

: 5,552
Interest Expended: 3,564
Net Interest Income: 1,988
: 861
Total Income: 0
Operating Expenses: 1,730
Operating Profit: 1,119
Provisions & Contingencies: 342
Profit before Tax: 777
Tax %: 35.28%
Net Profit: 503
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: —

Mar 2024

: 5,860
Interest Expended: 3,672
Net Interest Income: 2,187
: 1,125
Total Income: 0
Operating Expenses: 2,039
Operating Profit: 1,273
Provisions & Contingencies: 467
Profit before Tax: 806
Tax %: 34.73%
Net Profit: 526
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 2024

: 6,024
Interest Expended: 3,770
Net Interest Income: 2,254
: 835
Total Income: 6,859
Operating Expenses: 1,768
Operating Profit: 1,321
Provisions & Contingencies: 459
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: 1,862
Operating Profit: 1,432
Provisions & Contingencies: 493
Profit before Tax: 939
Tax %: 35.79%
Net Profit: 603
EPS: 0
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: 1,978
Operating Profit: 1,586
Provisions & Contingencies: 590
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: 2,392
Operating Profit: 1,699
Provisions & Contingencies: 663
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: —

Jun 2025

: 6,436
Interest Expended: 4,033
Net Interest Income: 2,403
: 997
Total Income: 0
Operating Expenses: 1,838
Operating Profit: 1,562
Provisions & Contingencies: 616
Profit before Tax: 946
Tax %: 35.80%
Net Profit: 607
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 2025

: 6,537
Interest Expended: 4,004
Net Interest Income: 2,533
: 884
Total Income: 0
Operating Expenses: 1,804
Operating Profit: 1,613
Provisions & Contingencies: 588
Profit before Tax: 1,025
Tax %: 39.54%
Net Profit: 620
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 2025

: 6,652
Interest Expended: 4,006
Net Interest Income: 2,646
: 869
Total Income: 0
Operating Expenses: 1,835
Operating Profit: 1,680
Provisions & Contingencies: 525
Profit before Tax: 1,155
Tax %: 35.98%
Net Profit: 740
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 2026

: 6,656
Interest Expended: 4,042
Net Interest Income: 2,614
: 709
Total Income: 0
Operating Expenses: 1,750
Operating Profit: 1,573
Provisions & Contingencies: 326
Profit before Tax: 1,247
Tax %: 35.76%
Net Profit: 801
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: —

Jun 2026

: 6,996
Interest Expended: 4,188
Net Interest Income: 2,808
: 1,686
Total Income: 8,682
Operating Expenses: 1,685
Operating Profit: 2,810
Provisions & Contingencies: 235
Profit before Tax: 2,575
Tax %: 74.51%
Net Profit: 656
EPS: 0
Gross NPA %: 2.08%
Net NPA %: 0.25%
Provision Coverage %: 97.85%
NIM %: 3.24%
CASA %: 36.94%
Capital Adequacy %: 19.03%
Return on Assets %: 0.68%
Branches / ATMs / Employees: —
Gross NPA %: 2.08%
Net NPA %: 0.25%
Provision Coverage %: 97.85%
NIM %: 3.24%
CASA %: 36.94%
Capital Adequacy %: 19.03%
Return on Assets %: 0.68%
Branches / ATMs / Employees: —

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	0	0	0	0	0	0	0	21,854	25,067	26,281	—
Interest Expended	12,509	10,895	10,019	10,042	8,966	8,508	10,307	13,754	15,437	16,085	16,240
Net Interest Income	-12,509	-10,895	-10,019	-10,042	-8,966	-8,508	-10,307	8,101	9,630	10,196	—
	2,114	1,121	1,514	2,871	3,424	3,101	2,508	3,266	4,407	3,460	4,149
Total Income	0	0	0	0	0	0	0	25,120	29,474	29,741	8,682
	0	0	0	0	0	0	0	6,790	7,999	7,227	—
Operating Profit	-12,509	-10,895	-10,019	-10,042	-8,966	-8,508	-10,307	4,576	6,037	6,429	—
	-118	522	204	335	440	210	324	2,007	2,204	2,055	—
Profit before Tax	-2,690	-6,891	-7,065	-3,713	-75	1,750	2,905	2,569	3,834	4,373	6,002
Tax %	0	0	0	0	0	0	0	36	36	37	53
Net Profit	-1,851	-4,436	-4,321	-2,437	167	930	1,862	1,654	2,445	2,768	2,817
EPS	-13	-25	-12	-3	0	1	2	1	2	2	—
NIM %	—	—	—	—	—	—	—	—	—	—	—
Cost-to-Income %	—	—	—	—	—	—	—	—	—	—	—
Credit Cost %	—	—	—	—	—	—	—	—	—	—	—
NIM %	—	—	—	—	—	—	—	—	—	—	—
Cost-to-Income %	—	—	—	—	—	—	—	—	—	—	—
Credit Cost %	—	—	—	—	—	—	—	—	—	—	—

Mar 2017

: 0
Interest Expended: 12,509
Net Interest Income: -12,509
: 2,114
Total Income: 0
: 0
Operating Profit: -12,509
: -118
Profit before Tax: -2,690
Tax %: 0
Net Profit: -1,851
EPS: -13
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2018

: 0
Interest Expended: 10,895
Net Interest Income: -10,895
: 1,121
Total Income: 0
: 0
Operating Profit: -10,895
: 522
Profit before Tax: -6,891
Tax %: 0
Net Profit: -4,436
EPS: -25
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2019

: 0
Interest Expended: 10,019
Net Interest Income: -10,019
: 1,514
Total Income: 0
: 0
Operating Profit: -10,019
: 204
Profit before Tax: -7,065
Tax %: 0
Net Profit: -4,321
EPS: -12
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

Mar 2020

: 0
Interest Expended: 10,042
Net Interest Income: -10,042
: 2,871
Total Income: 0
: 0
Operating Profit: -10,042
: 335
Profit before Tax: -3,713
Tax %: 0
Net Profit: -2,437
EPS: -3
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 %: —

Mar 2026

: 26,281
Interest Expended: 16,085
Net Interest Income: 10,196
: 3,460
Total Income: 29,741
: 7,227
Operating Profit: 6,429
: 2,055
Profit before Tax: 4,373
Tax %: 37
Net Profit: 2,768
EPS: 2
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

TTM

: —
Interest Expended: 16,240
Net Interest Income: —
: 4,149
Total Income: 8,682
: —
Operating Profit: —
: —
Profit before Tax: 6,002
Tax %: 53
Net Profit: 2,817
EPS: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —
NIM %: —
Cost-to-Income %: —
Credit Cost %: —

COMPOUNDED SALES GROWTH

10 Years:: 4%
5 Years:: 13%
3 Years:: 14%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: 75%
3 Years:: 14%

STOCK PRICE CAGR

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

RETURN ON EQUITY

10 Years:: -10%
5 Years:: 8%
3 Years:: 9%
Last Year:: 10%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
LIABILITIES	-	-	-	-	-	-	-	-	-	-
Equity Capital	1,560	2,308	5,423	9,918	9,918	11,956	11,956	11,956	12,540	12,540
	10,044	7,517	8,371	9,291	10,088	11,638	13,809	15,401	18,465	20,710
	2,01,285	1,81,849	1,97,907	1,93,203	2,05,919	2,24,073	2,49,338	2,63,130	2,93,542	3,27,563
	9,535	12,449	8,324	15,695	15,383	13,508	20,501	25,331	28,687	23,310
Other Liabilities & Provisions	7,767	6,800	6,863	7,800	9,428	6,609	5,260	7,873	9,247	11,737
Total Liabilities	2,31,340	2,16,056	2,30,484	2,35,908	2,53,336	2,67,784	3,00,863	32	36	40
ASSETS	-	-	-	-	-	-	-	-	-	-
	8,790	8,125	8,823	6,777	9,445	10,288	10,300	10,197	10,359	10,405
Balances with Banks & Money at Call	9,310	6,623	15,609	11,029	14,155	15,860	18,428	18,828	25,768	13,479
	74,019	70,962	82,232	90,999	93,783	96,874	95,169	92,904	94,272	98,777
	1,19,724	1,07,470	99,314	1,01,174	1,11,355	1,22,784	1,55,870	1,82,022	2,15,135	2,57,763
	2,843	2,867	2,814	2,832	3,151	3,287	3,444	3,717	3,791	4,126
	16,647	20,001	21,684	23,089	21,380	18,643	17,586	15,958	13,095	11,233
Total Assets	2,31,340	2,16,056	2,30,484	2,35,908	2,53,336	2,67,784	3,00,863	32	36	40
CASA Deposits	51,537	54,824	59,376	63,686	70,809	77,162	81,096	86,084	90,482	1,01,098
CASA Ratio (%)	25.60	30.15	30.00	32.96	34.39	34.44	32.52	32.72	30.82	30.86
Credit-Deposit Ratio (%)	59.48	59.10	50.18	52.37	54.08	54.80	62.51	69.18	73.29	78.69
Contingent Liabilities	51,804	1,23,488	87,385	39,082	73,353	1,42,557	55,598	60,951	1,28,834	94,441
Bills for Collection	0	0	0	0	0	0	0	8,001	7,595	7,691
Book Value per Share	59.49	32.38	21.10	17.00	17.46	17.45	19.20	20.37	22.30	24.00
CASA Deposits	51,537	54,824	59,376	63,686	70,809	77,162	81,096	86,084	90,482	1,01,098
CASA Ratio (%)	25.60	30.15	30.00	32.96	34.39	34.44	32.52	32.72	30.82	30.86
Credit-Deposit Ratio (%)	59.48	59.10	50.18	52.37	54.08	54.80	62.51	69.18	73.29	78.69
Contingent Liabilities	51,804	1,23,488	87,385	39,082	73,353	1,42,557	55,598	60,951	1,28,834	94,441
Bills for Collection	0	0	0	0	0	0	0	8,001	7,595	7,691
Book Value per Share	59.49	32.38	21.10	17.00	17.46	17.45	19.20	20.37	22.30	24.00

Mar 2017

Equity Capital: 1,560
: 10,044
: 2,01,285
: 9,535
Other Liabilities & Provisions: 7,767
Total Liabilities: 2,31,340
: 8,790
Balances with Banks & Money at Call: 9,310
: 74,019
: 1,19,724
: 2,843
: 16,647
Total Assets: 2,31,340
CASA Deposits: 51,537
CASA Ratio (%): 25.60
Credit-Deposit Ratio (%): 59.48
Contingent Liabilities: 51,804
Bills for Collection: 0
Book Value per Share: 59.49
CASA Deposits: 51,537
CASA Ratio (%): 25.60
Credit-Deposit Ratio (%): 59.48
Contingent Liabilities: 51,804
Bills for Collection: 0
Book Value per Share: 59.49

Mar 2018

Equity Capital: 2,308
: 7,517
: 1,81,849
: 12,449
Other Liabilities & Provisions: 6,800
Total Liabilities: 2,16,056
: 8,125
Balances with Banks & Money at Call: 6,623
: 70,962
: 1,07,470
: 2,867
: 20,001
Total Assets: 2,16,056
CASA Deposits: 54,824
CASA Ratio (%): 30.15
Credit-Deposit Ratio (%): 59.10
Contingent Liabilities: 1,23,488
Bills for Collection: 0
Book Value per Share: 32.38
CASA Deposits: 54,824
CASA Ratio (%): 30.15
Credit-Deposit Ratio (%): 59.10
Contingent Liabilities: 1,23,488
Bills for Collection: 0
Book Value per Share: 32.38

Mar 2019

Equity Capital: 5,423
: 8,371
: 1,97,907
: 8,324
Other Liabilities & Provisions: 6,863
Total Liabilities: 2,30,484
: 8,823
Balances with Banks & Money at Call: 15,609
: 82,232
: 99,314
: 2,814
: 21,684
Total Assets: 2,30,484
CASA Deposits: 59,376
CASA Ratio (%): 30.00
Credit-Deposit Ratio (%): 50.18
Contingent Liabilities: 87,385
Bills for Collection: 0
Book Value per Share: 21.10
CASA Deposits: 59,376
CASA Ratio (%): 30.00
Credit-Deposit Ratio (%): 50.18
Contingent Liabilities: 87,385
Bills for Collection: 0
Book Value per Share: 21.10

Mar 2020

Equity Capital: 9,918
: 9,291
: 1,93,203
: 15,695
Other Liabilities & Provisions: 7,800
Total Liabilities: 2,35,908
: 6,777
Balances with Banks & Money at Call: 11,029
: 90,999
: 1,01,174
: 2,832
: 23,089
Total Assets: 2,35,908
CASA Deposits: 63,686
CASA Ratio (%): 32.96
Credit-Deposit Ratio (%): 52.37
Contingent Liabilities: 39,082
Bills for Collection: 0
Book Value per Share: 17.00
CASA Deposits: 63,686
CASA Ratio (%): 32.96
Credit-Deposit Ratio (%): 52.37
Contingent Liabilities: 39,082
Bills for Collection: 0
Book Value per Share: 17.00

Mar 2021

Equity Capital: 9,918
: 10,088
: 2,05,919
: 15,383
Other Liabilities & Provisions: 9,428
Total Liabilities: 2,53,336
: 9,445
Balances with Banks & Money at Call: 14,155
: 93,783
: 1,11,355
: 3,151
: 21,380
Total Assets: 2,53,336
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: 17.46
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: 17.46

Mar 2022

Equity Capital: 11,956
: 11,638
: 2,24,073
: 13,508
Other Liabilities & Provisions: 6,609
Total Liabilities: 2,67,784
: 10,288
Balances with Banks & Money at Call: 15,860
: 96,874
: 1,22,784
: 3,287
: 18,643
Total Assets: 2,67,784
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: 17.45
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: 17.45

Mar 2023

Equity Capital: 11,956
: 13,809
: 2,49,338
: 20,501
Other Liabilities & Provisions: 5,260
Total Liabilities: 3,00,863
: 10,300
Balances with Banks & Money at Call: 18,428
: 95,169
: 1,55,870
: 3,444
: 17,586
Total Assets: 3,00,863
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: 19.20
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: 19.20

Mar 2024

Equity Capital: 11,956
: 15,401
: 2,63,130
: 25,331
Other Liabilities & Provisions: 7,873
Total Liabilities: 32
: 10,197
Balances with Banks & Money at Call: 18,828
: 92,904
: 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: 20.37
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: 20.37

Mar 2025

Equity Capital: 12,540
: 18,465
: 2,93,542
: 28,687
Other Liabilities & Provisions: 9,247
Total Liabilities: 36
: 10,359
Balances with Banks & Money at Call: 25,768
: 94,272
: 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: 22.30
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: 22.30

Mar 2026

Equity Capital: 12,540
: 20,710
: 3,27,563
: 23,310
Other Liabilities & Provisions: 11,737
Total Liabilities: 40
: 10,405
Balances with Banks & Money at Call: 13,479
: 98,777
: 2,57,763
: 4,126
: 11,233
Total Assets: 40
CASA Deposits: 1,01,098
CASA Ratio (%): 30.86
Credit-Deposit Ratio (%): 78.69
Contingent Liabilities: 94,441
Bills for Collection: 7,691
Book Value per Share: 24.00
CASA Deposits: 1,01,098
CASA Ratio (%): 30.86
Credit-Deposit Ratio (%): 78.69
Contingent Liabilities: 94,441
Bills for Collection: 7,691
Book Value per Share: 24.00

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-3,852	-9,082	4,190	-10,658	2,422	4,399	2,983	1,002	1,913	-10,584
Cash from Investing	-125	-85	-14	-113	-155	-200	-267	-295	-328	-419
Cash from Financing	3,609	5,754	5,450	4,283	3,266	-1,637	-336	-430	5,869	-977
	-367	-3,413	9,626	-6,489	5,533	2,562	2,380	277	7,454	-11,981

Mar 2017

: -3,852
Cash from Investing: -125
Cash from Financing: 3,609
: -367

Mar 2018

: -9,082
Cash from Investing: -85
Cash from Financing: 5,754
: -3,413

Mar 2019

: 4,190
Cash from Investing: -14
Cash from Financing: 5,450
: 9,626

Mar 2020

: -10,658
Cash from Investing: -113
Cash from Financing: 4,283
: -6,489

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

Mar 2026

: -10,584
Cash from Investing: -419
Cash from Financing: -977
: -11,981

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE	-	-	-	-	-	-	-	-	-	-
EPS (₹)	-11.87	-19.22	-7.97	-2.46	0.17	0.78	1.56	1.38	1.95	2.21
Book Value (₹)	59.49	32.38	21.10	17.00	17.46	17.45	19.20	20.37	22.30	24.00
Dividend per Share (₹)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.28	0.39	0.44
PROFITABILITY	-	-	-	-	-	-	-	-	-	-
Net Interest Margin %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.67%	2.79%	2.68%
ROA %	-0.78%	-1.98%	-1.94%	-1.04%	0.07%	0.36%	0.66%	0.53%	0.71%	0.73%
ROE %	-20.01%	-52.97%	-45.68%	-17.22%	0.98%	4.87%	8.50%	6.99%	9.35%	9.53%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	59.74%	56.99%	52.92%
ASSET QUALITY	-	-	-	-	-	-	-	-	-	-
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.69%	2.63%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.50%	0.45%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	96.69%	96.88%
Slippage Ratio %	—	—	—	—	—	—	—	—	—	—
BALANCE SHEET & LIQUIDITY	-	-	-	-	-	-	-	-	-	-
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	37.45%	35.83%	36.12%
Credit-Deposit Ratio %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.10%	0.10%	0.07%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	16.98%	18.45%	18.61%
GROWTH & VALUATION	-	-	-	-	-	-	-	-	-	-
Net Profit Growth %	33.89%	-139.72%	2.60%	43.61%	106.85%	456.63%	100.30%	-11.20%	47.85%	13.21%
Book Value Growth %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	6.09%	9.43%	7.66%
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	37.75x	18.33x	10.17x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	2.56x	1.60x	0.94x
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.54%	1.09%	1.96%

Mar 2017

EPS (₹): -11.87
Book Value (₹): 59.49
Dividend per Share (₹): 0.00
Net Interest Margin %: 0.00%
ROA %: -0.78%
ROE %: -20.01%
: 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 %: 33.89%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2018

EPS (₹): -19.22
Book Value (₹): 32.38
Dividend per Share (₹): 0.00
Net Interest Margin %: 0.00%
ROA %: -1.98%
ROE %: -52.97%
: 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 %: -139.72%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2019

EPS (₹): -7.97
Book Value (₹): 21.10
Dividend per Share (₹): 0.00
Net Interest Margin %: 0.00%
ROA %: -1.94%
ROE %: -45.68%
: 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 %: 2.60%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2020

EPS (₹): -2.46
Book Value (₹): 17.00
Dividend per Share (₹): 0.00
Net Interest Margin %: 0.00%
ROA %: -1.04%
ROE %: -17.22%
: 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 %: 43.61%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2021

EPS (₹): 0.17
Book Value (₹): 17.46
Dividend per Share (₹): 0.00
Net Interest Margin %: 0.00%
ROA %: 0.07%
ROE %: 0.98%
: 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 %: 106.85%
Book Value Growth %: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
: 0.00%

Mar 2022

EPS (₹): 0.78
Book Value (₹): 17.45
Dividend per Share (₹): 0.00
Net Interest Margin %: 0.00%
ROA %: 0.36%
ROE %: 4.87%
: 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 (₹): 1.56
Book Value (₹): 19.20
Dividend per Share (₹): 0.00
Net Interest Margin %: 0.00%
ROA %: 0.66%
ROE %: 8.50%
: 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 (₹): 1.38
Book Value (₹): 20.37
Dividend per Share (₹): 0.28
Net Interest Margin %: 2.67%
ROA %: 0.53%
ROE %: 6.99%
: 59.74%
Gross NPA %: 0.00%
Net NPA %: 0.00%
Provision Coverage %: 0.00%
Slippage Ratio %: —
CASA %: 37.45%
Credit-Deposit Ratio %: 0.10%
: 16.98%
Net Profit Growth %: -11.20%
Book Value Growth %: 6.09%
P/E (x): 37.75x
P/B (x): 2.56x
: 0.54%

Mar 2025

EPS (₹): 1.95
Book Value (₹): 22.30
Dividend per Share (₹): 0.39
Net Interest Margin %: 2.79%
ROA %: 0.71%
ROE %: 9.35%
: 56.99%
Gross NPA %: 2.69%
Net NPA %: 0.50%
Provision Coverage %: 96.69%
Slippage Ratio %: —
CASA %: 35.83%
Credit-Deposit Ratio %: 0.10%
: 18.45%
Net Profit Growth %: 47.85%
Book Value Growth %: 9.43%
P/E (x): 18.33x
P/B (x): 1.60x
: 1.09%

Mar 2026

EPS (₹): 2.21
Book Value (₹): 24.00
Dividend per Share (₹): 0.44
Net Interest Margin %: 2.68%
ROA %: 0.73%
ROE %: 9.53%
: 52.92%
Gross NPA %: 2.63%
Net NPA %: 0.45%
Provision Coverage %: 96.88%
Slippage Ratio %: —
CASA %: 36.12%
Credit-Deposit Ratio %: 0.07%
: 18.61%
Net Profit Growth %: 13.21%
Book Value Growth %: 7.66%
P/E (x): 10.17x
P/B (x): 0.94x
: 1.96%

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