UCO Bank

UCOBANK

NSE

BSE

SectorBanks

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The Quarter story

The two most recent quarterly results, compared side-by-side.

UCO Bank delivers steady balance sheet growth and cleaner asset quality, fueled by strong retail and MSME lending and rapid digital channel adoption.

Gross NPA ratio drops from 2.90% to 2.41% from Q3 2024-25 to Q3 FY26 — cleaner loan book supports stable profitability

Non-interest income falls from ₹1,186 Cr to ₹869 Cr from Q3 2024-25 to Q3 FY26 — fee and commission streams face headwinds

Retail advances grow from ₹50,055 Cr to ₹64,159 Cr from Q3 2024-25 to Q3 FY26 — strong consumer credit demand drives expansion

Resolution recoveries drop from ₹151 Cr to ₹11 Cr from Q3 2024-25 to Q3 FY26 — stalled restructuring efforts limit NPA cleanup speed

Active mobile banking users surge from 36.70 Mn to 62.51 Mn from Q3 2024-25 to Q3 FY26 — rapid digital adoption lowers branch dependency

Retail vehicle loan NPAs rise from ₹31 Cr to ₹44 Cr from Q3 2024-25 to Q3 FY26 — auto financing stress requires closer monitoring

MSME gross NPA ratio improves from 5.78% to 4.20% from Q3 2024-25 to Q3 FY26 — better risk management in small business lending

Home loan gross NPAs increase from ₹259 Cr to ₹297 Cr from Q3 2024-25 to Q3 FY26 — property sector defaults are creeping up

CASA ratio rises from 37.97% to 38.41% from Q3 2024-25 to Q3 FY26 — higher low-cost deposits protect net interest margins

About the company

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.

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