UCO Bank
UCO Bank (UCOBANK) last reported results for the quarter ended Mar 2025, with sales of ₹6,745 crore and net profit of ₹666 crore. The stock last traded at ₹23.3, a market capitalisation of ₹29,267 crore, on a P/E of 11.9. Over the past 52 weeks the stock has ranged between ₹22.2 and ₹34.2. Figures are as of 6 Oct 2026 and are not real time.
UCO Bank share price and key metrics
- Current price
- ₹23.3
- Market cap
- ₹29,267 cr
- Stock P/E
- 11.9
- Book value
- ₹24.6
- ROE
- 8.50%
- ROCE
- 5.76%
- Dividend yield
- 1.89%
- 52w high / low
- 34.2/22.2
Metrics as of 6 Oct 2026. Not real time.
Track UCO Bank
Cruxal reads every UCO Bank filing as it lands, scores what it means for the stock, and emails you the ones that matter. Free to start.
UCO Bank growth and returns
- 10 Years
- %
- 5 Years
- %
- 3 Years
- 19%
- TTM
- 15%
- 10 Years
- %
- 5 Years
- %
- 3 Years
- 37%
- TTM
- 48%
- 10 Years
- -5%
- 5 Years
- 11%
- 3 Years
- -19%
- 1 Year
- -26%
- 10 Years
- %
- 5 Years
- 6%
- 3 Years
- 7%
- Last Year
- 9%
UCO Bank quarterly results
In the quarter ended Mar 2025, sales were ₹6,745 cr, up 15.1% from ₹5,860 cr a year earlier. Net profit was ₹666 cr, up 23.8% year on year.
| ₹ crore | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Sales | 5,224 | 5,219 | 5,552 | 5,860 | 6,024 | 6,078 | 6,220 | 6,745 |
| Expenses | 2,295 | 1,924 | 2,072 | 2,507 | 2,227 | 2,355 | 2,567 | 3,055 |
| Operating profit | -286 | -7 | -84 | -319 | 27 | -54 | -190 | -356 |
| OPM % | -5% | -0% | -2% | -5% | 0% | -1% | -3% | -5% |
| Other income | 633 | 647 | 861 | 1,125 | 835 | 993 | 1,186 | 1,392 |
| Interest | 3,215 | 3,302 | 3,564 | 3,672 | 3,770 | 3,778 | 3,842 | 4,046 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 347 | 640 | 777 | 806 | 862 | 939 | 996 | 1,036 |
| Tax % | 36% | 37% | 35% | 35% | 36% | 36% | 36% | 37% |
| Net profit | 225 | 404 | 505 | 538 | 555 | 607 | 640 | 666 |
| EPS (₹) | 0.19 | 0.34 | 0.42 | 0.45 | 0.46 | 0.51 | 0.54 | 0.53 |
Consolidated figures as reported by the company. Percentages are as published; totals may not sum exactly.
UCO Bank annual results
| ₹ crore | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|
| Sales | 14,446 | 14,981 | 17,651 | 21,854 | 25,067 |
| Operating profit | -3,365 | -1,185 | 614 | -416 | -262 |
| OPM % | -23% | -8% | 3% | -2% | -1% |
| Net profit | 188 | 965 | 1,826 | 1,672 | 2,468 |
| EPS (₹) | 0.19 | 0.81 | 1.53 | 1.40 | 1.97 |
TTM is the trailing twelve months to the most recent quarter.
UCO Bank balance sheet
| ₹ crore | 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 | 15,383 | 13,508 | 20,501 | 25,331 | 28,687 |
| Deposits | 205,919 | 224,073 | 249,338 | 263,130 | 293,542 |
| Other liabilities | 9,428 | 6,609 | 5,260 | 7,873 | 9,247 |
| Total liabilities | 253,246 | 267,659 | 300,702 | 323,548 | 362,361 |
| 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 | 156,335 | 167,575 | 202,184 | 227,006 | 264,357 |
| Total assets | 253,246 | 267,659 | 300,702 | 323,548 | 362,361 |
As reported by the company. Total assets equal total liabilities by construction.
UCO Bank cash flow
| ₹ crore | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|
| Cash from operations | 2,422 | 4,399 | 2,983 | 1,002 | 1,913 |
| Cash from investing | 106 | -214 | -67 | -275 | -680 |
| Cash from financing | 3,266 | -1,637 | -336 | -430 | 5,870 |
| Net cash flow | 5,794 | 2,548 | 2,580 | 297 | 7,102 |
| Free cash flow | 2,258 | 4,189 | 2,701 | 703 | 1,576 |
| CFO / operating profit | 43% | 60% | 27% | 8% | 13% |
Negative figures are outflows. CFO / operating profit is a ratio, not an amount.
UCO Bank operating ratios
| Per year | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|
| ROE % | 0% | 4% | 7% | 6% | 8% |
Ratios as computed by the source from the reported statements. Rows a company does not report are omitted.
UCO Bank shareholding pattern
Promoters held 90.95% at Jun 2026, broadly unchanged since Jun 2025. FIIs 0.06% and DIIs 4.30%.
| % held | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters | 95.39% | 95.39% | 90.95% | 90.95% | 90.95% | 90.95% | 90.95% | 90.95% |
| FIIs | 0.02% | 0.02% | 0.44% | 0.13% | 0.13% | 0.13% | 0.08% | 0.06% |
| DIIs | 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% | 0.01% | 0.01% | 0.01% |
| Public | 3.25% | 3.25% | 3.26% | 4.17% | 4.38% | 4.49% | 4.58% | 4.68% |
| No. of shareholders | 7,73,466 | 7,91,271 | 7,99,014 | 8,43,992 | 8,50,102 | 8,49,729 | 8,49,084 | 8,47,182 |
As disclosed by the company to the exchanges. The last row is a count of shareholders, not a percentage.
UCO Bank corporate filings
- UCO Bank reaffirms its AA/Stable credit rating with a total rated amount of Rs. 1,500 crore, indicating stable creditworthiness and ongoing regulatory compliance.Company Updatemedium impact
Cruxal's analysis: UCO Bank has received reaffirmation of its long-term issuer and Basel III Tier II bond…
Read the full analysis - UCO Bank announces interest rate update effective from 08.10.2026 Corp Actionlow impact
Cruxal's analysis: UCO Bank has issued a Regulation 30 (LODR) disclosure regarding an interest rate change…
Read the full analysis - Certificate under Reg 74 (5) - 30.09.2026Company Updatelow impact
- UCO Bank releases provisional business update as of 30.09.2026, with no significant financial changes reportedCompany Updatelow impact
Cruxal's analysis: The bank's provisional business update as of September 30, 2026, provides operational…
Read the full analysis - Trading Window Closure w.e.f. 01.10.2026Insider Trading / SASTlow impact
- UCO Bank extends tenure of Executive Director Shri Vijaykumar Nivrutti KambleCompany Updatelow impact
Cruxal's analysis: UCO Bank has announced the extension of the tenure for Shri Vijaykumar Nivrutti Kamble…
Read the full analysis - UCO Bank notifies of upcoming strike by United Forum of Bank Unions (UFBU)Company Updatelow impact
Cruxal's analysis: UCO Bank has issued a regulatory disclosure regarding a proposed strike by the United…
Read the full analysis - UCO Bank announces revision to benchmark interest rates effective September 7, 2026 Corp Actionlow impact
Cruxal's analysis: UCO Bank has issued an update regarding its benchmark interest rates, which will come…
Read the full analysis - UCO Bank extends additional charge of MD & CEO for Shri Rajendra Kumar SabooCompany Updatelow impact
Cruxal's analysis: UCO Bank has announced the extension of the additional charge for the post of Managing…
Read the full analysis - UCO Bank Board Approves Foreign Currency Fund Raising of USD 1 Billion via MTN ProgrammeBoard Meetinghigh impact
Cruxal's analysis: UCO Bank has received board approval to raise foreign currency funds up to 1 billion USD…
Read the full analysis - UCO Bank to consider foreign currency fund raising via Medium Term Note (MTN) programmeBoard Meetingmedium impact
Cruxal's analysis: UCO Bank has announced a board meeting scheduled for 24 August 2026 to deliberate on…
Read the full analysis - UCO Bank Receives Reaffirmation of CRISIL A1+ Rating for 10,000 crore Certificate of Deposit ProgrammeCompany Updatelow impact
Cruxal's analysis: UCO Bank has announced that CRISIL Ratings has reaffirmed the 'CRISIL A1+' rating for its…
Read the full analysis - UCO Bank announces appointment of Shri Manohar Lal Paliwal as Part-time Non-Official DirectorCompany Updatelow impact
Cruxal's analysis: UCO Bank has informed the stock exchanges regarding the appointment of Shri Manohar Lal…
Read the full analysis - UCO Bank announces update on benchmark interest rates Corp Actionlow impact
Cruxal's analysis: UCO Bank has issued a regulatory disclosure regarding an update to its benchmark interest…
Read the full analysis - UCO Bank Receives Reaffirmation of AA-/Positive Rating on BASEL III AT I Bonds and AA/Positive Issuer RatingCompany Updatelow impact
Cruxal's analysis: UCO Bank has announced that Infomerics Valuations & Research Ltd. has reaffirmed its…
Read the full analysis
This page shows filings on a one-hour delay. Sign in to see them as they land, with Cruxal's analysis of what each one means.
Cruxal publishes market data and coverage for information only. Nothing here is investment advice.