| Quarterly Financials | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 |
Revenue  | 4,637 | 4,426 | 4,656 | 4,638 | 4,362 | 3,797 | 4,965 | 5,451 | 5,947 | 5,857 | 5,866 | 6,413 | 6,985 | 6,859 | 7,071 | 7,406 | 8,137 |
| Expenses | 2,470 | 2,158 | 2,218 | 1,690 | 1,757 | 1,402 | 1,766 | 1,754 | 2,025 | 2,295 | 1,924 | 2,072 | 2,507 | 2,227 | 2,355 | 2,567 | 3,055 |
| EBITDA | 13 | 159 | 316 | 792 | 484 | 193 | 784 | 1,022 | 907 | 347 | 640 | 777 | 806 | 863 | 939 | 996 | 1,036 |
| Operating Profit % | 31 % | 40 % | 40 % | 57 % | 53 % | 64 % | 58 % | 62 % | 59 % | 56 % | 63 % | 63 % | 57 % | 63 % | 61 % | 59 % | 55 % |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 2,154 | 2,109 | 2,122 | 2,157 | 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 |
| Profit Before Tax | 13 | 159 | 316 | 792 | 484 | 193 | 784 | 1,022 | 907 | 347 | 640 | 777 | 806 | 863 | 939 | 996 | 1,036 |
| Tax | -56 | 72 | 114 | 481 | 169 | 76 | 287 | 367 | 349 | 122 | 236 | 272 | 268 | 307 | 332 | 356 | 370 |
| Net Profit | 69 | 88 | 201 | 310 | 315 | 118 | 497 | 654 | 557 | 225 | 404 | 505 | 538 | 555 | 607 | 640 | 666 |
| EPS in ₹ | 0.07 | 0.08 | 0.17 | 0.24 | 0.26 | 0.10 | 0.42 | 0.55 | 0.47 | 0.19 | 0.34 | 0.42 | 0.45 | 0.45 | 0.51 | 0.54 | 0.56 |
UCO Bank
UCO Bank
30.60
-0.19
(-0.62%)
Market Cap
₹- Cr
PE Ratio
-
Volume
59,47,547.00
Day High - Low
₹31.16 - ₹30.52
52W High-Low
₹52.00 - ₹26.81
Key Fundamentals
Market Cap
- Cr
EPS
-
PB Ratio
-
Book Value
22.20
EBITDA
-
Dividend Yield
- %
Industry
Banks Sector
Public Sector Bank ROE Growth %
-
Debt to Equity
-
Actual
Company News
View All News
UCO Bank reported net profit of Rs. 620 crores for the quarter ended September 2025, marking a 3% year-on-year growth. Operating profit reached Rs. 1,613 crores with 12.64% growth. The bank achieved 16.56% credit growth and 10.85% deposit growth, with business growing 13.23% overall. Asset quality improved significantly with gross NPA declining 62 basis points to 2.56% and net NPA reducing 30 basis points to 0.43%. The bank maintained CASA ratio at 38.11% and achieved provision coverage ratio of 96.99%. Net interest margin stood at 2.90% globally and 3.08% domestically, excluding one-time interest income of Rs. 107 crores. RAM (Retail, Agriculture, MSME) portfolio grew 22.87% and now comprises 65.23% of total advances. The bank reported total recovery and upgradation of Rs. 792 crores for the quarter with slippage ratio at 0.26%. Cost of deposits decreased to 4.73% from 4.88% year-on-year. Capital adequacy ratio remained strong at 17.89%. Management highlighted ongoing digital transformation initiatives under Project Parivartan and plans for 150 new branches by March.
UCO Bank announced plans to add 150 branches over the next five months, expanding its network from 3,322 to 3,472 branches by March. The board has approved this expansion as part of efforts to grow business presence. The bank reported a 3% increase in net profit to Rs 620 crore for the second quarter, up from Rs 603 crore in the previous year. Total income rose to Rs 7,421 crore from Rs 7,071 crore, while interest income increased to Rs 6,537 crore from Rs 6,078 crore. Net interest income grew to Rs 2,533 crore from Rs 2,301 crore. Operating profit climbed to Rs 1,613 crore compared to Rs 1,432 crore. Asset quality improved significantly with gross non-performing assets declining to 2.56% from 3.18%, and net NPAs dropping to 0.43% from 0.73%. The bank plans to hire more skilled workers in IT, digital and cyber security areas while improving branch ambience. UCO Bank currently employs 21,266 staff members, with 70% below the average age of 70 years.
UCO Bank reported Q2 interest earnings of 65.37 billion rupees, up from 60.78 billion rupees year-over-year. The bank's Q2 net profit increased to 6.2 billion rupees compared to 6.03 billion rupees in the same period last year. Asset quality showed improvement with gross non-performing assets (GNPA) declining to 2.56% from 2.63% quarter-over-quarter, while net non-performing assets (NNPA) decreased to 0.43% from 0.45% quarter-over-quarter.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
145.73 | - | #1 - | - | - | - | - | 57.86 | |
155.77 | - | #1 - | - | - | - | - | 61.31 | |
125.35 | - | #1 - | - | - | - | - | 62.44 | |
38.18 | - | #1 - | - | - | - | - | 47.76 | |
152.03 | - | #1 - | - | - | - | - | 73.21 | |
859.45 | - | #1 - | - | - | - | - | 51.58 | |
296.90 | - | #1 - | - | - | - | - | 67.27 | |
967.30 | - | #1 - | - | - | - | - | 57.95 | |
57.57 | - | #1 - | - | - | - | - | 45.56 | |
29.62 | - | #1 - | - | - | - | - | 43.44 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
-
Net Income Growth
-
Cash Flow Change
-
ROE
-
ROCE
-
EBITDA Margin (Avg.)
-
Quarterly Financial Results
Balance Sheet
| Balance Sheet | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 2,53,246 | 2,67,659 | 3,00,702 | 3,23,548 | 3,62,361 |
| Fixed Assets | 3,151 | 3,287 | 3,445 | 3,717 | 3,791 |
| Current Assets | 34,943 | 35,571 | 38,105 | 37,670 | 43,244 |
| Capital Work in Progress | 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 Liabilities | 2,53,246 | 2,67,659 | 3,00,702 | 3,23,548 | 3,62,361 |
| Current Liabilities | 9,428 | 6,610 | 5,260 | 7,874 | 9,247 |
| Non Current Liabilities | 2,43,819 | 2,61,050 | 2,95,443 | 3,15,675 | 3,53,115 |
| Total Equity | 22,517 | 23,469 | 25,604 | 27,214 | 30,885 |
| Reserve & Surplus | 9,998 | 11,513 | 13,648 | 15,258 | 18,345 |
| Share Capital | 9,918 | 11,956 | 11,956 | 11,956 | 12,540 |
Cash Flow
| Cash Flow | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | 5,794 | 2,548 | 2,580 | 297 | 7,102 |
| Investing Activities | 106 | -214 | -67 | -275 | -681 |
| Operating Activities | 2,422 | 4,399 | 2,983 | 1,002 | 1,913 |
| Financing Activities | 3,266 | -1,637 | -336 | -430 | 5,870 |
Share Holding
| % Holding | Mar 2021 | May 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
| Promoter | 94.44 % | 95.39 % | 95.39 % | 95.39 % | 95.39 % | 95.39 % | 95.39 % | 95.39 % | 95.39 % | 95.39 % | 95.39 % | 95.39 % | 95.39 % | 95.39 % | 95.39 % | 95.39 % | 95.39 % | 90.95 % | 90.95 % |
| FIIs | 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 % | 0.03 % | 0.03 % | 0.02 % | 0.02 % | 0.44 % | 0.14 % |
| DIIs | 1.59 % | 1.29 % | 1.28 % | 1.28 % | 1.29 % | 1.29 % | 1.32 % | 1.35 % | 1.38 % | 1.37 % | 1.35 % | 1.37 % | 1.32 % | 1.32 % | 1.33 % | 1.33 % | 1.33 % | 5.36 % | 4.74 % |
| Government | 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 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 3.61 % | 3.00 % | 2.98 % | 3.07 % | 3.09 % | 3.10 % | 3.10 % | 2.98 % | 2.88 % | 2.84 % | 2.94 % | 2.81 % | 2.99 % | 2.99 % | 2.98 % | 3.04 % | 3.04 % | 2.95 % | 3.87 % |
| Others | 0.36 % | 0.32 % | 0.35 % | 0.26 % | 0.23 % | 0.22 % | 0.19 % | 0.29 % | 0.35 % | 0.40 % | 0.32 % | 0.43 % | 0.30 % | 0.27 % | 0.27 % | 0.23 % | 0.22 % | 0.30 % | 0.31 % |
| No of Share Holders | 3,75,199 | 3,83,713 | 3,95,030 | 4,02,716 | 4,12,274 | 4,26,244 | 4,29,468 | 4,30,406 | 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 |
Dividend History
| Annual Cash Flows | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.28 | 0.39 |
| Dividend Yield (%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.78 | 1.27 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 24 Jan 2024 |  Extraordinary General Meeting | NA | 24 Jan 2024 | 39.90 | 41.79 |
| 10 May 2024 |  Dividend | ₹ 0.28 /share | 10 May 2024 | 57.00 | 51.95 |
| 18 Jun 2024 |  Annual General Meeting | NA | 18 Jun 2024 | 53.63 | 56.80 |
| 19 Oct 2024 |  Quarterly Result Announcement | NA | 19 Oct 2024 | 45.11 | 45.68 |
| 21 Jan 2025 | Quarterly Result Announcement | NA | 21 Jan 2025 | 42.41 | 44.54 |
| 22 Jan 2025 | Extraordinary General Meeting | NA | 22 Jan 2025 | 44.33 | 44.09 |
| 28 Apr 2025 | Quarterly Result Announcement | NA | 28 Apr 2025 | 31.49 | 30.39 |
| 09 May 2025 | Dividend | ₹ 0.39 /share | 09 May 2025 | 30.39 | 30.38 |
| 19 Jun 2025 | Annual General Meeting | NA | 19 Jun 2025 | 31.00 | 30.98 |
| 21 Jul 2025 | Quarterly Result Announcement | NA | 21 Jul 2025 | 31.61 | 32.13 |
| 17 Oct 2025 | Quarterly Result Announcement | NA | 17 Oct 2025 | 31.82 | 31.40 |
Announcements
Announcement under Regulation 30 (LODR)-Interest Rates Updates
Nov 07, 2025
Nov 07, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptOct 24, 2025
Oct 24, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeOct 17, 2025
Oct 17, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseOct 17, 2025
Oct 17, 2025Announcement under Regulation 30 (LODR)-Investor PresentationOct 17, 2025
Oct 17, 2025Board Meeting Outcome for Reviewed Financial Results For The Quarter And Half Year Ended 30.09.2025Oct 17, 2025
Oct 17, 2025Announcement under Regulation 30 (LODR)-Credit RatingOct 16, 2025
Oct 16, 2025Joining Details Of Post Earnings Call To Be Held On 17.10.2025 At 03.00 PmOct 14, 2025
Oct 14, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 13, 2025
Oct 13, 2025Board Meeting Intimation for To Consider And Approve The Financial Results For The Quarter And Half Year Ended 30.09.2025Oct 13, 2025
Oct 13, 2025Announcement under Regulation 30 (LODR)-Interest Rates UpdatesOct 12, 2025
Oct 12, 2025Provisional Business Figures Of The Bank - 30.09.2025Oct 04, 2025
Oct 04, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 03, 2025
Oct 03, 2025Closure of Trading WindowSep 23, 2025
Sep 23, 2025Extension Of Tenure Of Shri Rajendra Kumar Saboo Executive DirectorSep 16, 2025
Sep 16, 2025Announcement under Regulation 30 (LODR)-Interest Rates UpdatesSep 09, 2025
Sep 09, 2025Approval Of Reserve Bank Of India To Setup IFSC Banking Unit (IBU) At Gift City Gandhinagar GujaratSep 03, 2025
Sep 03, 2025Announcement under Regulation 30 (LODR)-Interest Rates UpdatesAug 07, 2025
Aug 07, 2025Announcement under Regulation 30 (LODR)-Credit RatingAug 06, 2025
Aug 06, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJul 28, 2025
Jul 28, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 21, 2025
Jul 21, 2025Announcement under Regulation 30 (LODR)-Investor PresentationJul 21, 2025
Jul 21, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 21, 2025
Jul 21, 2025Rectification In Subject Line Of Outcome Announcement Letter Dated 21St July 2025Jul 21, 2025
Jul 21, 2025Unaudited Financial Results -June-25 QuarterJul 21, 2025
Jul 21, 2025Board Meeting Outcome for Unaudited Financial Results For The Quarter Ended 30.06.2025Jul 21, 2025
Jul 21, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 16, 2025
Jul 16, 2025Board Meeting Intimation for Approval Of Unaudited (Reviewed) Financial Results Of The Bank For The Quarter Ended 30Th June 2025.Jul 15, 2025
Jul 15, 2025Announcement under Regulation 30 (LODR)-Interest Rates UpdatesJul 10, 2025
Jul 10, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 08, 2025
Jul 08, 2025Provisional Business Figures For June 2025Jul 03, 2025
Jul 03, 2025Closure of Trading WindowJun 25, 2025
Jun 25, 2025Appointment Of Secretarial AuditorJun 19, 2025
Jun 19, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportJun 19, 2025
Jun 19, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMJun 19, 2025
Jun 19, 2025Announcement under Regulation 30 (LODR)-Interest Rates UpdatesJun 06, 2025
Jun 06, 2025Change In Chief Financial OfficerJun 02, 2025
Jun 02, 2025Change In The Senior ManagementJun 01, 2025
Jun 01, 2025Change In Senior ManagementJun 01, 2025
Jun 01, 2025Business Responsibility and Sustainability Reporting (BRSR)May 27, 2025
May 27, 2025Reg. 34 (1) Annual Report.May 27, 2025
May 27, 202522Nd Annual General Meeting Of The Bank On 19Th June 2025May 22, 2025
May 22, 2025Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 21, 2025
May 21, 2025Announcement under Regulation 30 (LODR)-Interest Rates UpdatesMay 13, 2025
May 13, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMay 06, 2025
May 06, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptMay 03, 2025
May 03, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 02, 2025
May 02, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeApr 28, 2025
Apr 28, 2025Record Date Intimation For The Purpose Of Dividend For The FY 2024-25Apr 28, 2025
Apr 28, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseApr 28, 2025
Apr 28, 2025Mutual Fund Holdings
SBI BSE PSU Bank Index Fund Direct - Growth 
Motilal Oswal BSE Enhanced Value Index Fund Direct - Growth 
ICICI Prudential Nifty Midcap 150 Index Fund Direct - Growth 
JioBlackRock Nifty Midcap 150 Index Fund Direct-Growth 
Nippon India Nifty 500 Equal Weight Index Fund Direct-Growth 
Zerodha Nifty Large Midcap 250 Index Fund Direct - Growth 
HDFC NIFTY Midcap 150 Index Fund Direct - Growth 
Kotak BSE PSU Index Fund Direct-Growth 
Navi Nifty Midcap 150 Index Fund Direct - Growth 
Edelweiss NIFTY Large Mid Cap 250 Index Fund Direct - Growth 
UTI Nifty Midcap 150 Index Fund Direct-Growth 
Groww Nifty Total Market Index Fund Direct - Growth 
Aditya Birla Sun Life Nifty Midcap 150 Index Fund Direct-Growth Technical Indicators
RSI(14)
Neutral 44.58
ATR(14)
Less Volatile 0.81
STOCH(9,6)
Neutral 28.05
STOCH RSI(14)
Neutral 28.60
MACD(12,26)
Bearish -0.10
ADX(14)
Weak Trend 13.86
UO(9)
Bearish 33.07
ROC(12)
Downtrend And Accelerating -0.03
WillR(14)
Neutral -73.08
About UCO Bank
UCO Bank is a commercial bank and Government of India Undertaking. It offers various banking services including international banking, NRI services, loan schemes, deposit schemes, and e-banking solutions. The bank has a widespread presence with 3230 domestic branches, 43 zones, and 2 overseas branches in Singapore and Hong Kong as of March 31, 2024. UCO Bank provides corporate banking, retail banking, international banking, government business, and rural banking services. Its product portfolio includes education loans, gold loans, home loans, personal loans, and car loans. The bank also offers services for agriculture credit, financial inclusion, and MSME. UCO Bank's global business stood at Rs. 4,50,007 Crore as of March 31, 2024, with deposits at Rs. 2,63,130 Crore and advances at Rs. 1,86,877 Crore.
Listing Date
09 Oct, 2003(22 Years,
-6 days)
Website
Chairperson NameAravamudan Krishana Kumar
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