UCOBANK

UCO Bank share price & financials

Price
₹27.58
Market cap
₹30.3k Cr
Sector
Financial Services
Calls analysed
7
Latest concall · Q4 FY26 · call held 27 Apr 2026

UCO Bank Q4 FY26

Net Profit ₹801 cr +22%

What went well

  • Gross advances grew by 19.44% YoY, exceeding the guidance of 12-15%.
  • Net profit for the quarter was Rs.801 crore, marking a 22% growth YoY.
  • Asset quality significantly improved with Gross NPA at 2.17% (52 bps reduction YoY) and Net NPA at 0.27% (23 bps reduction YoY).

What to watch

  • Treasury operations recorded a negative profit of Rs.16 crore this quarter, with a Rs.135 crore negative MTM impact on the AFS book due to firming yields.
  • SMA 1 numbers increased from Rs.260 crore to Rs.651 crore, although management attributed this to a 'February effect' and bucket shifting rather than new stress.
Read the full call →

What UCO Bank does

UCO Bank is a public sector bank headquartered in Kolkata that provides retail, agriculture, MSME and corporate credit alongside treasury operations, earning mainly through interest income on advances and investments plus fee-based income from third-party products, commissions and digital transactions. It reaches customers through a nationwide network of domestic branches organised under zonal offices, supplemented by overseas branches and a representative office abroad. The bank also runs a large financial-inclusion and last-mile outreach programme built on business correspondents, rural training institutes and financial-literacy centres to serve rural and semi-urban customers.

Segments

  • Retail Banking
  • Agriculture
  • MSME
  • Corporate Banking
  • Treasury
Domestic branches
3,412
Zonal offices
49
Overseas presence
2 overseas branches + 1 representative office (Iran)
Business correspondent (Bank Mitra) network
11,136
Mobile banking users
153 lakh registered, 70 lakh active
Rural Self Employment Training Institutes (RSETI)
28, across 7 states
Headquarters Kolkata, IndiaEmployees 20,984 (31 March 2026)

Guidance record · Q4 FY26

what the last two calls moved 23 tracked 10 delivered 0 missed 13 open
  • CD Ratio delivered said Q2 FY25 Promised: 75% by March 2025 Q4 FY26: Target period has passed. Promise was achieved ahead of schedule in Q3 FY26.
  • Capital Raise (QIP) delayed said Q3 FY25 Promised: QIP of ₹2,700 crore Q4 FY26: Management states no plans for QIP in the immediate quarter, pending shareholder approval and favorable market conditions.
  • Deposit Growth FY27 open said Q4 FY26 Promised: 10-12% Q4 FY26: Now, coming to the guidance for the current year, deposits we have kept the guidance in the same range, 10 to 12%;

All 23 tracked — every revision, and every one management stopped mentioning.

Open the guidance ledger

Quarterly results

Q1 FY27: revenue up 8.7%, net profit up 8.1% against the same quarter last year.

₹ Cr · quarterly
Line itemQ2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26Q3 FY26Q4 FY26Q1 FY27
Revenue6,078 6,220 6,745 6,436 6,537 +8%6,652 +7%6,656 −1%6,996 +9%
Net profit607 640 666 607 620 +2%740 +16%801 +20%656 +8%
How to read this

₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.

Performance −17.0% 1Y

₹25.0₹30.0Sept 25Oct 25Dec 25Jan 26Mar 26Apr 26Jun 26Jul 26Sept 26Q2 FY26 — 17 Oct 2025Q3 FY26 — 20 Jan 2026Q4 FY26 — 27 Apr 2026

1Y: ₹29.05 on 10 Sept 2025 → ₹24.12. High ₹33.58 (3 Nov 2025), low ₹22.45 (30 Mar 2026).

How the price took the results

close before → close after

Q4 FY26
+0.3%
27 Apr
Q3 FY26
−2.8%
20 Jan
Q2 FY26
−1.7%
17 Oct

The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.

Financials, as filed

Revenue grew 14.2% a year over 3 years, FY23 to FY26.

Year endingFY23FY24FY25FY26
Revenue₹17.6k Cr₹21.9k Cr₹25.1k Cr₹26.3k Cr
Interest₹10.3k Cr₹13.8k Cr₹15.4k Cr₹16.1k Cr
Depreciation₹0 Cr₹0 Cr₹0 Cr₹0 Cr
Net profit₹1.8k Cr₹1.7k Cr₹2.5k Cr₹2.8k Cr
Net margin10.3%7.7%9.8%10.5%
ROE7.0%6.0%8.0%9.0%
How to read this

From the company's own filings. Margins are computed from the filed sums; a year with an incomplete quarter is left blank rather than estimated.

Balance sheet

Year endingFY21FY22FY23FY24FY25FY26
Equity capital₹9.9k Cr₹12.0k Cr₹12.0k Cr₹12.0k Cr₹12.5k Cr₹12.5k Cr
Reserves₹12.6k Cr₹11.5k Cr₹13.6k Cr₹15.3k Cr₹19.9k Cr₹20.7k Cr
Borrowings₹15.4k Cr₹13.5k Cr₹20.5k Cr₹25.3k Cr—₹23.3k Cr
Deposits₹205.9k Cr₹224.1k Cr₹249.3k Cr₹263.1k Cr—₹327.6k Cr
Other liabilities₹9.4k Cr₹6.6k Cr₹5.3k Cr₹7.9k Cr₹9.8k Cr₹11.7k Cr
Total liabilities₹253.2k Cr₹267.7k Cr₹300.7k Cr₹323.5k Cr₹369.5k Cr₹395.9k Cr
Fixed assets₹3.2k Cr₹3.3k Cr₹3.4k Cr₹3.7k Cr₹3.9k Cr₹4.1k Cr
Capital work in progress₹67 Cr₹48 Cr₹65 Cr₹65 Cr₹0 Cr₹74 Cr
Investments₹93.7k Cr₹96.7k Cr₹95.0k Cr₹92.8k Cr₹97.8k Cr₹98.8k Cr
Other assets₹156.3k Cr₹167.6k Cr₹202.2k Cr₹227.0k Cr₹267.8k Cr₹292.9k Cr
Total assets₹253.2k Cr₹267.7k Cr₹300.7k Cr₹323.5k Cr₹369.5k Cr₹395.9k Cr
How to read this

As filed each year. A line the company does not report — deposits for a non-lender, for instance — is left out rather than shown as a row of dashes.

Who owns it

As disclosed at Jun 2026

Since Jun 2025, the public added +0.51 pp while DIIs trimmed −0.44 pp.

Promoters
91.0%
FIIs
0.1%
DIIs
4.3%
Government
0.0%
Public
4.7%

Since Jun 2025

  • Public +0.51 pp
  • DIIs −0.44 pp
  • FIIs −0.07 pp

How it drifted, 12 quarters

Over this window promoters fell from 95.4% to 91.0% — −4.4 pp.

Sep '23Dec '24Jun '26

Ownership split by quarter, oldest first. Sep '23: Promoters 95.4%, FIIs 0.1%, DIIs 1.4%, Public 3.1%.Dec '23: Promoters 95.4%, FIIs 0.0%, DIIs 1.3%, Public 3.3%.Mar '24: Promoters 95.4%, FIIs 0.0%, DIIs 1.3%, Public 3.3%.Jun '24: Promoters 95.4%, FIIs 0.0%, DIIs 1.3%, Public 3.3%.Sep '24: Promoters 95.4%, FIIs 0.0%, DIIs 1.3%, Public 3.3%.Dec '24: Promoters 95.4%, FIIs 0.0%, DIIs 1.3%, Public 3.3%.Mar '25: Promoters 91.0%, FIIs 0.4%, DIIs 5.4%, Public 3.3%.Jun '25: Promoters 91.0%, FIIs 0.1%, DIIs 4.7%, Public 4.2%.Sep '25: Promoters 91.0%, FIIs 0.1%, DIIs 4.5%, Public 4.4%.Dec '25: Promoters 91.0%, FIIs 0.1%, DIIs 4.4%, Government 0.0%, Public 4.5%.Mar '26: Promoters 91.0%, FIIs 0.1%, DIIs 4.4%, Government 0.0%, Public 4.6%.Jun '26: Promoters 91.0%, FIIs 0.1%, DIIs 4.3%, Government 0.0%, Public 4.7%.

Who was buying across the market this quarter →

Who is on the register

Named in the Jun 2026 filing

Every holder of UCO Bank above SEBI's 1% disclosure line, and what changed since Mar 2026.

HolderStakeChange
President Of India 90.95%unchanged
Life Insurance Corporation Of India Insurer2.31%unchanged

A holder disappearing from this list has fallen below the 1% line — it is not necessarily a sale. Percentages are of total shares, as disclosed in the company's own filing. Who was buying across the market this quarter.

Mutual funds in UCOBANK

Filings to Aug 2026

0 new, 5 added, 3 trimmed, 0 sold out — net −17.33 L shares (−8.6%).

Held by funds
₹46 Cr
8 schemes
Biggest holder
Nippon India ETF Nifty PSU Bank BeES
₹31 Cr · 0.8% of that fund
SchemeHoldingLast month
Nippon India ETF Nifty PSU Bank BeES Nippon India Mutual Fund₹31 Cr−2.44 L
Nippon India Nifty Smallcap 250 Index Fund Nippon India Mutual Fund₹5 Cr+0.22 L
SBI BSE PSU Bank ETF SBI Mutual Fund₹3 Cr−15.25 L
SBI BSE PSU Bank Index Fund SBI Mutual Fund₹3 Cr+0.03 L
SBI Nifty Smallcap 250 Index Fund SBI Mutual Fund₹2 Cr+0.10 L
Nippon India Nifty 500 Equal Weight Index Fund Nippon India Mutual Fund₹1 Cr+0.00 L
SBI Nifty 500 Index Fund SBI Mutual Fund₹0 Cr−0.00 L
SBI Nifty Small Cap 250 ETF SBI Mutual Fund₹0 Cr+0.00 L

HDFC, Nippon India and SBI schemes, from their monthly disclosures. Changes are counted in shares, so a price move never looks like buying or selling.

Mutual funds Aug 2026

5 added, 3 trimmed — net −17.33 L shares (−8.6%)

Funds are sitting on
-4%
vs est. average cost
Held by funds
₹46 Cr
8 schemes · ≈ 0.17% of the company
Biggest holder
Nippon India ETF Nifty PSU Bank BeES
₹31 Cr · 0.8% of that fund

Shares held by these funds +169%

Aug '23 2.01 cr shares Jul '26

All earnings calls (6)

Read the Q4 FY26 call →

Learn to analyse UCO Bank

Guides on how to read this kind of business and the numbers that matter.