UCO Bank share price
NSE: UCOBANKBSE: 532505BanksMid Cap
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
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies. Market capitalisation: how it is worked out
- ₹27,712 Cr247th largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. Price to earnings, trailing: how it is worked out
- 9.29
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. Price to book: how it is worked out
- 0.80
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- 1.99%
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it.
- 8.9%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. Net interest margin in the glossary
- 2.89%
- Gross NPAGross NPA, non-performing loans. Gross non-performing loans as a percentage of all loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is below the net share. At the end of Sep 2026.
- 1.96%
- Net NPANet NPA, non-performing loans. Net non-performing loans as a percentage of loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is above the gross share. At the end of Sep 2026.
- 0.18%
- CET1Common equity tier 1 ratio. The bank's core capital, mostly shareholders' money, as a percentage of its loans and other assets weighted by risk, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the figure is outside what it can be. At the end of Sep 2026. Common equity tier 1 ratio in the glossary
- 17.06%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026. Return on assets in the glossary
- 0.73%
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day. Volume in the glossary
- 27,36,03840.5% 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
Item year to Mar 2026 year to Mar 2025 Corporate and wholesale banking 10,981.99 11,306.48 Retail banking 10,666.32 9,816.60 Treasury (the bank's investments) 8,030.96 8,294.18 Other banking operations 61.71 56.28 Total 29,740.99 29,473.54
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
Item Sep 2026 Sep 2025 Corporates and others 87,962 70,851 Retail 76,817 58,987 MSME (micro, small and medium enterprises) 50,905 42,309 Agriculture 41,014 31,650 - 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
Item Sep 2026 Sep 2025 Agriculture 8.73% 10.81% MSME 2.62% 4.63% Retail 0.80% 0.72% Corporate 0.12% 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
Item Sep 2026 East 1,022 North 825 Central 635 South 387 West 347 North-east 223 - 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. Annual report, 21 May 2026, page 64
- 2. Annual report, 21 May 2026, page 1
- 3. Annual report, 21 May 2026, page 62
- 4. Investor presentation, 15 Oct 2026, page 40
- 5. Annual report, 21 May 2026, page 49
- 6. Annual report, 21 May 2026, page 22
- 7. Annual report, 21 May 2026, page 61
- 8. Annual report, 21 May 2026, page 154
- 9. Investor presentation, 15 Oct 2026, page 39
- 10. Annual report, 21 May 2026, page 150
- 11. Annual report, 21 May 2026, page 157
- 12. Earnings call, 16 Oct 2026, page 3
- 13. Earnings call, 16 Oct 2026, page 4
- 14. Annual report, 21 May 2026, page 21
- 15. Earnings call, 16 Oct 2026, page 4
- 16. Annual report, 21 May 2026, page 247
- 17. Earnings call, 16 Oct 2026, page 3
- 18. Earnings call, 16 Oct 2026, page 3
- 19. Investor presentation, 15 Oct 2026, page 8
- 20. Investor presentation, 15 Oct 2026, page 9
- 21. Investor presentation, 15 Oct 2026, page 10
- 22. Earnings call, 16 Oct 2026, page 4
- 23. Investor presentation, 15 Oct 2026, page 34
- 24. Earnings call, 16 Oct 2026, page 4
- 25. Earnings call, 16 Oct 2026, page 21
- 26. Investor presentation, 15 Oct 2026, page 32
- 27. Investor presentation, 15 Oct 2026, page 40
- 28. Investor presentation, 15 Oct 2026, page 40
- 29. Annual report, 21 May 2026, page 46
- 30. Annual report, 21 May 2026, page 47
- 31. Earnings call, 16 Oct 2026, page 4
- 32. Earnings call, 16 Oct 2026, page 4
- 33. Earnings call, 16 Oct 2026, page 21
- 34. Earnings call, 16 Oct 2026, page 18
- 35. Investor presentation, 15 Oct 2026, page 39
- 36. Exchange filing, 9 Oct 2026, page 1
- 37. Exchange filing, 27 Jul 2026, page 1
- 38. Exchange filing, 5 May 2026, page 1
- 39. Exchange filing, 20 Feb 2026, page 1
- 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 monthsTotal income growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +4.4%
- Net profit growth, 12 monthsNet profit growth, 12 months. The last twelve months against the twelve before them. Left empty where the earlier figure was nought or a loss: growth out of a loss has no percentage.
- +18.4%
Quarter to Sep 2026, against the quarter before
- Total incomeTotal income. The pill is the change in total income against the quarter before: this period's figure divided by that one's, less one, in per cent. Total income in the glossary
- ₹8,174 Crdown 5.85%
- Net profitNet profit. The pill is the change in net profit against the quarter before: this period's figure divided by that one's, less one, in per cent. Net profit in the glossary
- ₹786 Crup 19.70%
Total income by quarter
Net profit by quarter, a loss in red
| ₹ crore | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 7,406 | 8,137 | 7,433 | 7,421 | 7,521 | 7,365 | 8,682 | 8,174 |
| Net profit | 639 | 652 | 607 | 620 | 740 | 801 | 656 | 786 |
Year to Mar 2026, against the year before
- Total incomeTotal income. The pill is the change in total income against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹29,741 Crup 0.91%
- Net profitNet profit. The pill is the change in net profit against the year before: this period's figure divided by that one's, less one, in per cent.
- ₹2,768 Crup 13.21%
Total income by year
Net profit by year, a loss in red
- Net profit
- Loss
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total income | 18,440 | 15,141 | 15,844 | 18,006 | 18,166 | 18,082 | 20,159 | 25,120 | 29,474 | 29,741 |
| Net profit | −1,851 | −4,436 | −4,321 | −2,437 | 167 | 930 | 1,862 | 1,654 | 2,445 | 2,768 |
Business segments
Share of revenue, year to Mar 2026, standalone.Segment revenue and profit
- CORPORATE BANKING OPERATIONSCORPORATE BANKING OPERATIONS, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹10,982 Cr36.9%
- RETAIL BANKING OPERATIONSRETAIL BANKING OPERATIONS, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹10,666 Cr35.9%
- TREASURY OPERATIONSTREASURY OPERATIONS, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹8,031 Cr27.0%
- OTHER BANKING OPERATIONSOTHER BANKING OPERATIONS, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹62 Cr0.2%
Valuation
Today, against the company's own history.UCO Bank PE ratio and valuation
At or below today's level on 0.3% of 1,040 trading days over the last 5 years.
At or below today's level on 21% of 1,239 trading days over the last 5 years.
At or below today's level on 99.9% of 2,478 trading days over the last 10 years.
Where the return came from
Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.
| Over | Return a year | Earnings growth | Change in P/E | Dividend 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% |
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
- AddedAdded. Funds that held more shares than at the end of the month before.
- 17
- CutCut. Funds that held fewer shares than at the end of the month before.
- 38
| Fund | |||
|---|---|---|---|
| 1,30,32,582 | 0.77% | ₹30.3 Cr | |
| 82,57,962 | 0.77% | ₹19.2 Cr | |
| 47,53,804 | 0.77% | ₹11.1 Cr | |
| 17,57,917 | 0.12% | ₹4.09 Cr | |
| 15,44,961 | 0.17% | ₹3.60 Cr | |
| 13,79,424 | 0.12% | ₹3.21 Cr | |
| 12,41,486 | 0.87% | ₹2.90 Cr | |
| 8,92,996 | 0.12% | ₹2.08 Cr | |
| 6,33,438 | 0.12% | ₹1.47 Cr | |
| 4,25,834 | 0.87% | ₹0.99 Cr |
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
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
| Company | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| 1,19,883 | – | 0.72 | +2.7% | – | – | 0.98% | 2.83% | 3.67% | |
| 1,13,118 | 8.56 | 1.30 | +12.4% | +17.2% | 16.1% | 1.25% | 3.07% | 2.17% | |
| 1,06,870 | 5.24 | 0.83 | −6.8% | +17.7% | 16.8% | 0.99% | 2.21% | 3.56% | |
| 61,494 | 7.68 | 1.65 | +16.6% | +31.5% | 23.3% | 1.76% | 3.83% | 2.75% | |
| 60,505 | 4.84 | 0.64 | +9.1% | +29.7% | 14.1% | 0.92% | 2.47% | 3.50% | |
| 55,883 | 8.39 | 1.39 | +14.2% | +51.3% | 17.9% | 1.25% | 3.17% | 0.00% | |
| 26,186 | 5.43 | 0.63 | +8.3% | +5.2% | 12.0% | 0.88% | 2.99% | 2.77% | |
| 13,283 | 8.85 | 0.91 | +3.2% | +29.6% | 10.7% | 0.78% | 2.46% | 2.08% |
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
Dividend per share. The dividends declared for the year, each restated to today's share count by the splits and bonuses after its own ex-date, added up. Dividend per share in the glossary| Ex-date | Type | Per share |
|---|---|---|
| 4 May 2026 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. Final dividend in the glossary | ₹0.44 |
| 9 May 2025 | Final | ₹0.39 |
| 10 May 2024 | Final | ₹0.28 |
| 23 Jun 2015 | Final | ₹2.00 |
| 24 Jun 2014 | Final | ₹1.00 |
| 20 Jan 2014 | Interim | ₹2.00 |
Latest announcements
Routine notices left out.UCO Bank announcements
Oct 2026
23 Oct · Management
15 Oct · Results
12 Oct · Analysts
9 Oct · Rating
UCO Bank share price by year
Each calendar year to 2025.UCO Bank share price history
| Year | Close at year end | Change | Highest close | Lowest close |
|---|---|---|---|---|
| 2025 | 29.45 | −32.9% | 45.27 | 28.00 |
| 2024 | 43.87 | +10.4% | 68.40 | 39.85 |
| 2023 | 39.75 | +26.2% | 46.50 | 22.55 |
| 2022 | 31.50 | +142.3% | 36.40 | 10.60 |
| 2021 | 13.00 | +2.4% | 15.30 | 10.90 |
| 2020 | 12.70 | −24.0% | 16.80 | 8.55 |
| 2019 | 16.70 | −17.7% | 22.70 | 11.50 |
| 2018 | 20.30 | −30.7% | 33.30 | 15.55 |
| 2017 | 29.30 | −12.3% | 43.70 | 29.10 |
| 2016 | 33.40 | −26.4% | 45.70 | 28.35 |
Recent sessions
The 9 trading days to 27 Oct 2026, as traded on NSE; the latest is at the top of the page.
| Date | Open | High | Low | Close | Average price | Volume | Delivery |
|---|---|---|---|---|---|---|---|
| 27 Oct 2026 | 22.00 | 22.79 | 21.87 | 22.36 | 22.21 | 56,09,634 | 43.7% |
| 26 Oct 2026 | 21.68 | 22.13 | 21.34 | 21.99 | 21.81 | 45,72,883 | 34.5% |
| 23 Oct 2026 | 22.60 | 22.60 | 21.46 | 21.63 | 21.81 | 76,97,753 | 42.2% |
| 22 Oct 2026 | 23.11 | 23.11 | 22.40 | 22.55 | 22.60 | 54,01,336 | 37.9% |
| 21 Oct 2026 | 23.87 | 23.87 | 23.00 | 23.07 | 23.35 | 49,54,527 | 30.0% |
| 19 Oct 2026 | 23.73 | 24.31 | 23.55 | 23.61 | 23.82 | 53,90,426 | 26.9% |
| 16 Oct 2026 | 23.44 | 23.92 | 23.38 | 23.73 | 23.66 | 63,84,375 | 22.8% |
| 15 Oct 2026 | 24.45 | 24.80 | 23.38 | 23.56 | 24.10 | 2,17,36,281 | 19.5% |
| 14 Oct 2026 | 23.61 | 24.10 | 23.51 | 23.96 | 23.92 | 40,65,909 | 35.1% |
Company details
- NSE symbol
- UCOBANK
- BSE code
- 532505
- ISIN
- INE691A01018
- Industry
- Banks
- Website
- www.ucobank.com
- 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