UCO Bank logo

UCO Bank share price

NSE: UCOBANKBSE: 532505BanksMid Cap

Face value ₹10 · Listed Oct 2003
Last close ₹22.10down ₹0.26 (1.16%)BSE ₹22.11

Share price at the NSE close on 28 Oct 2026. Previous close ₹22.36.

28 Oct: open ₹22.29, high ₹22.31, low ₹21.91

52-week range of traded prices to 28 Oct 2026
₹21.34Low, 26 Oct 2026₹34.20High, 31 Oct 2025
Market cap
₹27,712 Cr247th largest listed
P/E
9.29
P/B
0.80
Dividend yield
1.99%
ROE
8.9%
NIM
2.89%
Gross NPA
1.96%
Net NPA
0.18%
CET1
17.06%
ROA
0.73%
Volume, NSE
27,36,03840.5% delivered

UCO Bank share price chart

Daily closes since Jan 2007, adjusted for splits and bonuses

−32.6%over a year

ResultsDividend20-session average 52,44,427 shares a day, 34.4% delivered

About UCO Bank

UCO Bank is a public sector bank headquartered in Kolkata that takes deposits and lends to individuals, farmers, small businesses, companies and government bodies across India.123 It also has branches in Hong Kong and Singapore and an international banking unit in GIFT City.4

Its loan products include UCO Aashray home loans for economically weaker, lower and middle-income buyers, UCO Home Plus home loans for young salaried and high-income customers and UCO Aanchal personal loans for women's healthcare.5 Its deposit and card products include the UCO Gig savings scheme for gig and platform workers and the Aparajita debit card for women.6

UCO Bank was incorporated in 1943 and is a nationalised bank governed by the Banking Regulation Act 1949 and the Banking Companies (Acquisition and Transfer of Undertakings) Act 1970.78 The Government of India, its promoter, held 90.95% of the bank's shares at the end of Sep 2026, and the bank has no subsidiaries.91011

UCO Bank key points

Results

  • In the quarter to Sep 2026, net interest income (interest earned less interest paid) rose 13.96% to ₹2,886 crore, operating profit (profit before provisions and tax) was ₹1,872 crore, and net profit rose 26.77% to ₹786 crore from ₹620 crore.1213
  • In the year to Mar 2026, net interest income rose 5.89% to ₹10,197 crore, operating profit 6.49% to ₹6,429 crore, and net profit 13.21% to ₹2,768 crore from ₹2,445 crore.14
  • Annualised return on assets was 0.80% in the quarter to Sep 2026; at its end, capital adequacy (capital as a share of risk-weighted assets) was 18.85%, with a Tier 1 ratio (the highest-quality capital alone) of 17.27%.15

Business segments

  • Revenue by business segment, as reported in the segment results, ₹ crore16
    Itemyear to Mar 2026year to Mar 2025
    Corporate and wholesale banking10,981.9911,306.48
    Retail banking10,666.329,816.60
    Treasury (the bank's investments)8,030.968,294.18
    Other banking operations61.7156.28
    Total29,740.9929,473.54

Loan book and deposits

  • At the end of Sep 2026, global advances were ₹2,87,690 crore, up 24.70% year on year, and total deposits ₹3,49,590 crore, up 14.36%.17
  • Current and savings account deposits (CASA, on which the bank pays little or no interest) were ₹1,22,259 crore at the end of Sep 2026, up 10.59%, and 36.77% of domestic deposits.1819
  • Domestic advances by sector, ₹ crore20
    ItemSep 2026Sep 2025
    Corporates and others87,96270,851
    Retail76,81758,987
    MSME (micro, small and medium enterprises)50,90542,309
    Agriculture41,01431,650
  • Within retail loans at the end of Sep 2026, home loans were ₹36,369 crore, up 20.29% year on year, and vehicle loans ₹9,737 crore, up 61.91%.21

Asset quality

  • At the end of Sep 2026, gross non-performing assets (NPAs, loans that have stopped being repaid) were 1.96% of advances and net NPAs (after provisions) 0.18%; provisions, including on written-off loans, covered 98.36% of bad loans.22
  • Gross NPAs as a share of each sector's domestic advances23
    ItemSep 2026Sep 2025
    Agriculture8.73%10.81%
    MSME2.62%4.63%
    Retail0.80%0.72%
    Corporate0.12%0.13%
  • In the quarter to Sep 2026, the annualised slippage ratio (loans newly turning bad, as a share of advances) was 0.85% and annualised credit cost (provisions for bad loans as a share of advances) 0.65%.242526

Branches and reach

  • At the end of Sep 2026, the bank had 3,439 domestic branches, 2,686 ATMs and 11,156 business correspondents (agents who offer basic banking where there is no branch).27
  • Domestic branches by region28
    ItemSep 2026
    East1,022
    North825
    Central635
    South387
    West347
    North-east223
  • At the end of Mar 2026, the Singapore and Hong Kong branches carried ₹51,262 crore of business (deposits plus advances), 8.68% of the bank's total.29
  • The bank convenes the State Level Bankers' Committee (which coordinates banks' lending plans in a state) in Odisha and Himachal Pradesh, and is the lead bank for 35 districts.30

What the company expects

  • In its exchange filing of 16 Oct 2026, the company said the guidance it gave at the start of the year to Mar 2027 was deposit growth of 10% to 12% and advances growth of 12% to 14%, and that growth exceeded it.31
  • In its exchange filing of 16 Oct 2026, the company said its guidance was to bring gross NPAs below 2% by 31 Mar 2027, reached in the half year, and to keep the slippage ratio below 1% and credit cost below 0.75%.3233
  • In its exchange filing of 16 Oct 2026, the company said its guidance for global net interest margin (interest income less interest cost, as a share of earning assets) is 2.80% to 2.90%; the margin was 3% in the quarter to Sep 2026.34
  • In its presentation of 15 Oct 2026, the company said its capital raising plan for the year to Mar 2027 is up to ₹2,700 crore of equity, counted at face value, and up to ₹5,000 crore of bonds.35

Recent events

  • On 9 Oct 2026, India Ratings reaffirmed the bank's long-term issuer rating (an agency's view of how likely it is to repay its debts) and the rating on its Basel III Tier II bonds (bonds counted as bank capital) at AA/Stable.36
  • On 27 Jul 2026, Fitch Ratings assigned the bank a long-term issuer default rating of BBB- with a Stable outlook.37

Litigation and regulatory matters

  • On 24 Apr 2026, the GST appeals authority in Mumbai substantially allowed the bank's appeal, cutting a GST demand from ₹1,473.48 crore to ₹4.86 crore plus interest and penalty; on 5 May 2026, the bank said it was evaluating the order.38
  • On 20 Feb 2026, the Reserve Bank of India imposed a ₹38.60 lakh penalty for non-compliance with its directions on paying interest on savings deposits, locker rent and credit reporting for self-help group members; the bank called the impact non-material.3940

Last updated

All 40 sources, each with its page
  1. 1. Annual report, 21 May 2026, page 64
  2. 2. Annual report, 21 May 2026, page 1
  3. 3. Annual report, 21 May 2026, page 62
  4. 4. Investor presentation, 15 Oct 2026, page 40
  5. 5. Annual report, 21 May 2026, page 49
  6. 6. Annual report, 21 May 2026, page 22
  7. 7. Annual report, 21 May 2026, page 61
  8. 8. Annual report, 21 May 2026, page 154
  9. 9. Investor presentation, 15 Oct 2026, page 39
  10. 10. Annual report, 21 May 2026, page 150
  11. 11. Annual report, 21 May 2026, page 157
  12. 12. Earnings call, 16 Oct 2026, page 3
  13. 13. Earnings call, 16 Oct 2026, page 4
  14. 14. Annual report, 21 May 2026, page 21
  15. 15. Earnings call, 16 Oct 2026, page 4
  16. 16. Annual report, 21 May 2026, page 247
  17. 17. Earnings call, 16 Oct 2026, page 3
  18. 18. Earnings call, 16 Oct 2026, page 3
  19. 19. Investor presentation, 15 Oct 2026, page 8
  20. 20. Investor presentation, 15 Oct 2026, page 9
  21. 21. Investor presentation, 15 Oct 2026, page 10
  22. 22. Earnings call, 16 Oct 2026, page 4
  23. 23. Investor presentation, 15 Oct 2026, page 34
  24. 24. Earnings call, 16 Oct 2026, page 4
  25. 25. Earnings call, 16 Oct 2026, page 21
  26. 26. Investor presentation, 15 Oct 2026, page 32
  27. 27. Investor presentation, 15 Oct 2026, page 40
  28. 28. Investor presentation, 15 Oct 2026, page 40
  29. 29. Annual report, 21 May 2026, page 46
  30. 30. Annual report, 21 May 2026, page 47
  31. 31. Earnings call, 16 Oct 2026, page 4
  32. 32. Earnings call, 16 Oct 2026, page 4
  33. 33. Earnings call, 16 Oct 2026, page 21
  34. 34. Earnings call, 16 Oct 2026, page 18
  35. 35. Investor presentation, 15 Oct 2026, page 39
  36. 36. Exchange filing, 9 Oct 2026, page 1
  37. 37. Exchange filing, 27 Jul 2026, page 1
  38. 38. Exchange filing, 5 May 2026, page 1
  39. 39. Exchange filing, 20 Feb 2026, page 1
  40. 40. Exchange filing, 20 Feb 2026, page 2

Results

Standalone, as consolidated accounts are on record for only 4 of the last ten years; ₹ crore. Total income is interest earned plus other income, fees and treasury gains among it.UCO Bank quarterly results

Total income growth, 12 months
+4.4%
Net profit growth, 12 months
+18.4%

Quarter to Sep 2026, against the quarter before

Total income
₹8,174 Crdown 5.85%
Net profit
₹786 Crup 19.70%

Total income by quarter

₹7,406 CrDec 24₹8,137 CrMar 25₹7,433 CrJun 25₹7,421 CrSep 25₹7,521 CrDec 25₹7,365 CrMar 26₹8,682 CrJun 26₹8,174 CrSep 26
Peak total income ₹8,682 Cr, quarter to Jun 2026; lowest ₹7,365 Cr, quarter to Mar 2026

Net profit by quarter, a loss in red

₹639 CrDec 24₹652 CrMar 25₹607 CrJun 25₹620 CrSep 25₹740 CrDec 25₹801 CrMar 26₹656 CrJun 26₹786 CrSep 26
₹ croreDec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Total income7,4068,1377,4337,4217,5217,3658,6828,174
Net profit639652607620740801656786
Standalone. The last eight quarters. The latest is shaded.

Business segments

Share of revenue, year to Mar 2026, standalone.Segment revenue and profit

  • CORPORATE BANKING OPERATIONS₹10,982 Cr36.9%
  • RETAIL BANKING OPERATIONS₹10,666 Cr35.9%
  • TREASURY OPERATIONS₹8,031 Cr27.0%
  • OTHER BANKING OPERATIONS₹62 Cr0.2%

Valuation

Today, against the company's own history.UCO Bank PE ratio and valuation

Price to earnings

At or below today's level on 0.3% of 1,040 trading days over the last 5 years.

LowestHighest
Its median18.42Industry median7.02
Price to book

At or below today's level on 21% of 1,239 trading days over the last 5 years.

LowestHighest
Its median1.25Industry median0.91
Dividend yield

At or below today's level on 99.9% of 2,478 trading days over the last 10 years.

LowestHighest
Its median0.00%Industry median2.74%

Where the return came from

Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.

OverReturn a yearEarnings growthChange in P/EDividend yield
1 year−35.2%+13.2%−44.5%2.0%
3 years−1.4%+12.3%−13.3%1.2%
5 years+16.1%+67.0%−30.9%0.7%
Return is price growth plus the average dividend yield. Change in P/E is (1 + price growth) / (1 + earnings growth) - 1, so the parts compound rather than add. Earnings growth over 1 year is on profit divided by shares in issue at both ends: the earnings per share stated for one end does not match that year's profit and share count.

Shareholding

Per cent of the company's shares, from the filing for Sep 2026.UCO Bank shareholding pattern

Shareholding by group

  • Promoters90.95%
  • Foreign institutions0.06%
  • Indian institutions4.14%
  • Individuals and others4.85%
Holder
PRESIDENT OF INDIAPromoter90.95%
Life Insurance Corporation of IndiaInsurance companies2.31%
Holders are named in the company's own words: an insurer's holding can carry one of its funds' names. Mutual funds are left out here and listed fund by fund below.

Since Jun 2026: promoters unchanged, foreign institutions unchanged, Indian institutions −0.17 pts, mutual funds unchanged.

Mutual fund holdings

55 funds disclosed a holding for Sep 2026. What they did in Sep 2026, against each fund's month before. 54 of the 55 funds that added or cut are index funds, ETFs or arbitrage funds: an index fund or ETF holds what its index holds, and an arbitrage fund holds the share against a sale of its future.All 55 funds holding UCO Bank

Added
17
Cut
38
Portfolios disclosed for Sep 2026. Weight is the holding as a share of the fund's assets.

Promoter and insider buying and selling

Trades made since 28 Oct 2025.UCO Bank insider trading

No promoter, director, key manager or employee bought or sold on the market.

  • Others: no market trade
Bought and sold count trades on the market only. A pledge is shares given to a lender as security for a loan; a lender invokes it by selling them.

UCO Bank competitors and peers

Public Sector Bank, 12 listed companies, priced on 28 Oct 2026. The table lists the 8 companies closest to UCO Bank in market cap.Finance companies

Where the company sits among the companies nearest its size

Return on equity across, P/E up, size is market cap
Company
Bank of Baroda logoBank of BarodaBANKBARODA1,19,883–0.72+2.7%––0.98%2.83%3.67%
Indian Bank logoIndian BankINDIANB1,13,1188.561.30+12.4%+17.2%16.1%1.25%3.07%2.17%
Canara Bank logoCanara BankCANBK1,06,8705.240.83−6.8%+17.7%16.8%0.99%2.21%3.56%
Bank of Maharashtra logoBank of MaharashtraMAHABANK61,4947.681.65+16.6%+31.5%23.3%1.76%3.83%2.75%
Bank of India logoBank of IndiaBANKINDIA60,5054.840.64+9.1%+29.7%14.1%0.92%2.47%3.50%
Indian Overseas Bank logoIndian Overseas BankIOB55,8838.391.39+14.2%+51.3%17.9%1.25%3.17%0.00%
Central Bank of India logoCentral Bank of IndiaCENTRALBK26,1865.430.63+8.3%+5.2%12.0%0.88%2.99%2.77%
Punjab & Sind Bank logoPunjab & Sind BankPSB13,2838.850.91+3.2%+29.6%10.7%0.78%2.46%2.08%
Market cap in ₹ crore. Growth is the last twelve months against the twelve before. A figure is left empty where it would rest on a loss or the company has under a year of results on record. ROE is the shareholders' profit over their net worth. ROA is the year's profit over average total assets. NIM is net interest income over average loans and investments. Income growth is the growth of everything the company earns: interest, fees, premiums and the rest.

Dividends

Per share, by the year it was paid for, and the latest payments.UCO Bank dividend history

Dividend per share, ₹, restated for later splits and bonuses

Mar 17Mar 18Mar 19Mar 20Mar 21Mar 22Mar 230.3Mar 240.4Mar 250.4Mar 26
Highest ₹0.44 a share, year to Mar 2026.
Ex-dateTypePer share
4 May 2026Final₹0.44
9 May 2025Final₹0.39
10 May 2024Final₹0.28
23 Jun 2015Final₹2.00
24 Jun 2014Final₹1.00
20 Jan 2014Interim₹2.00
Latest payments, as declared, by ex-date.

Latest announcements

Routine notices left out.UCO Bank announcements

UCO Bank share price by year

Each calendar year to 2025.UCO Bank share price history

YearClose at year endChangeHighest closeLowest close
202529.45−32.9%45.2728.00
202443.87+10.4%68.4039.85
202339.75+26.2%46.5022.55
202231.50+142.3%36.4010.60
202113.00+2.4%15.3010.90
202012.70−24.0%16.808.55
201916.70−17.7%22.7011.50
201820.30−30.7%33.3015.55
201729.30−12.3%43.7029.10
201633.40−26.4%45.7028.35
₹ per share, adjusted for splits and bonuses since. Change is on the close at the end of the year before.

Recent sessions

The 9 trading days to 27 Oct 2026, as traded on NSE; the latest is at the top of the page.

DateOpenHighLowCloseAverage priceVolumeDelivery
27 Oct 202622.0022.7921.8722.3622.2156,09,63443.7%
26 Oct 202621.6822.1321.3421.9921.8145,72,88334.5%
23 Oct 202622.6022.6021.4621.6321.8176,97,75342.2%
22 Oct 202623.1123.1122.4022.5522.6054,01,33637.9%
21 Oct 202623.8723.8723.0023.0723.3549,54,52730.0%
19 Oct 202623.7324.3123.5523.6123.8253,90,42626.9%
16 Oct 202623.4423.9223.3823.7323.6663,84,37522.8%
15 Oct 202624.4524.8023.3823.5624.102,17,36,28119.5%
14 Oct 202623.6124.1023.5123.9623.9240,65,90935.1%
Prices in ₹ per share as traded, not adjusted.

Company details

Chairperson
ARAVAMUDAN KRISHNA KUMAR
At the end of the quarter to Sep 2026
Managing director and CEO
RAJENDRA KUMAR SABOO
At the end of the quarter to Sep 2026
NSE symbol
UCOBANK
BSE code
532505
ISIN
INE691A01018
Industry
Banks
Registered office
No. 10, 7th Floor, Barbourne Road, BTM Sarani, Kolkata 700001, West Bengal
Share registrar
KFin Technologies Ltd
Keeps the register of shareholders and handles transfers and dividend payments