About
UCO Bank provides various banking and financial services in India and internationally. The company's deposit products include current accounts, saving accounts, fixed deposits, recurring deposits, accounts in foreign currency, and fee collection accounts. It also offers agri, home, education, gold, personal, vehicle, and mortgage loans; finance to micro and small enterprises; working capital financing; term loans; infrastructure finance; and agriculture credit. In addition, the company provides life, health, and general insurance products; credit and debit cards; internet banking services; and international banking services, such as NRI banking, foreign currency loans, finance to exporters and importers, remittances, forex and treasury services, resident foreign currency deposits, and correspondent banking services to Indian customers, corporates, NRIs, overseas corporate bodies, foreign companies/individuals, and foreign banks. Further, it provides government deposit schemes/bonds, pension payments/schemes, and tax collection services; merchant banking services; sovereign gold bonds; and mutual funds. The company was formerly known as The United Commercial Bank Ltd. and changed its name to UCO Bank in 1985. UCO Bank was incorporated in 1943 and is headquartered in Kolkata, India.
Key Metrics
as of Sep 2026Market Cap31,060 Cr
P/E12.60
Div Yield1.78 %
Book Value₹24.60
52w High₹34.20
52w Low₹22.20
Face Value₹10.00
Quarterly Results
Rs. Crores · hover row for definition| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 1,920.00 | 2,076.00 | 2,360.00 | 2,392.00 | 2,454.00 | 3,055.00 | 2,567.00 | 2,355.00 | 2,227.00 | 2,507.00 | 2,072.00 | 1,924.00 | 2,295.00 |
| Other Income | 1,686.00 | 709.00 | 869.00 | 884.00 | 997.00 | 1,392.00 | 1,186.00 | 993.00 | 835.00 | 1,125.00 | 861.00 | 647.00 | 633.00 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 4,188.00 | 4,042.00 | 4,006.00 | 4,004.00 | 4,033.00 | 4,046.00 | 3,842.00 | 3,778.00 | 3,770.00 | 3,672.00 | 3,564.00 | 3,302.00 | 3,215.00 |
| Profit before tax | 2,575.00 | 1,247.00 | 1,155.00 | 1,025.00 | 946.00 | 1,036.00 | 996.00 | 939.00 | 862.00 | 806.00 | 777.00 | 640.00 | 347.00 |
| Tax % | 75.00 | 36.00 | 36.00 | 40.00 | 36.00 | 37.00 | 36.00 | 36.00 | 36.00 | 35.00 | 35.00 | 37.00 | 36.00 |
| Net Profit | 656.00 | 801.00 | 740.00 | 620.00 | 607.00 | 652.00 | 639.00 | 603.00 | 551.00 | 526.00 | 503.00 | 402.00 | 223.00 |
| EPS in Rs | 0.52 | 0.64 | 0.59 | 0.49 | 0.48 | 0.52 | 0.53 | 0.50 | 0.46 | 0.44 | 0.42 | 0.34 | 0.19 |
Profit & Loss
Annual · Rs. Crores| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 8,910.00 | 9,892.00 | 8,517.00 | 6,729.00 | 7,658.00 | 8,845.00 | 11,539.00 | 12,753.00 | 8,521.00 | 6,789.00 | 10,768.00 | 5,849.00 |
| Other Income | 3,460.00 | 4,407.00 | 3,266.00 | 2,508.00 | 3,101.00 | 3,424.00 | 2,871.00 | 1,514.00 | 1,121.00 | 2,114.00 | 1,596.00 | 2,004.00 |
| Interest | 16,085.00 | 15,437.00 | 13,754.00 | 10,307.00 | 8,508.00 | 8,966.00 | 10,042.00 | 10,019.00 | 10,895.00 | 12,509.00 | 13,713.00 | 13,797.00 |
| Depreciation | 372.00 | 311.00 | 281.00 | 218.00 | 165.00 | 134.00 | 137.00 | 137.00 | 152.00 | 153.00 | 137.00 | 136.00 |
| Profit before tax | 4,373.00 | 3,834.00 | 2,569.00 | 2,905.00 | 1,750.00 | -75.00 | -3,713.00 | -7,065.00 | -4,427.00 | -1,011.00 | -4,460.00 | 1,582.00 |
| Tax % | 37.00 | 36.00 | 36.00 | 36.00 | 47.00 | -321.00 | -34.00 | -39.00 | 0.00 | 83.00 | -37.00 | 28.00 |
| Net Profit | 2,768.00 | 2,445.00 | 1,654.00 | 1,862.00 | 930.00 | 167.00 | -2,437.00 | -4,321.00 | -4,436.00 | -1,851.00 | -2,799.00 | 1,138.00 |
| EPS in Rs | 2.21 | 1.95 | 1.38 | 1.56 | 0.78 | 0.17 | -2.46 | -7.97 | -19.22 | -11.87 | -26.03 | 10.58 |
| Dividend Payout % | 20.00 | 20.00 | 20.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 19.00 |
Balance Sheet
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 12,540.00 | 12,540.00 | 11,956.00 | 11,956.00 | 11,956.00 | 9,918.00 | 9,918.00 | 5,423.00 | 2,308.00 | 1,560.00 | 1,076.00 | 1,076.00 |
| Reserves | 20,710.00 | 18,465.00 | 15,401.00 | 13,809.00 | 11,638.00 | 12,688.00 | 9,291.00 | 11,968.00 | 12,649.00 | 11,194.00 | 11,446.00 | 11,473.00 |
| Other Liabilities | 11,737.00 | 9,247.00 | 7,873.00 | 5,260.00 | 6,609.00 | 9,428.00 | 7,800.00 | 6,863.00 | 6,800.00 | 7,767.00 | 8,002.00 | 8,779.00 |
| Total Liabilities | 395,858.00 | 362,481.00 | 323,691.00 | 300,863.00 | 267,784.00 | 253,336.00 | 235,908.00 | 230,484.00 | 216,056.00 | 231,340.00 | 244,883.00 | 245,917.00 |
| Fixed Assets | 4,126.00 | 3,791.00 | 3,717.00 | 3,444.00 | 3,287.00 | 3,151.00 | 2,832.00 | 2,814.00 | 2,867.00 | 2,843.00 | 2,878.00 | 1,066.00 |
| CWIP | 74.00 | 61.00 | 65.00 | 65.00 | 48.00 | 67.00 | 8.00 | 8.00 | 8.00 | 6.00 | 6.00 | 48.00 |
| Investments | 98,777.00 | 94,272.00 | 92,904.00 | 95,169.00 | 96,874.00 | 93,783.00 | 90,999.00 | 82,232.00 | 70,962.00 | 74,019.00 | 83,974.00 | 64,223.00 |
| Other Assets | 292,881.00 | 264,357.00 | 227,006.00 | 202,184.00 | 167,575.00 | 156,335.00 | 142,069.00 | 145,430.00 | 142,219.00 | 154,471.00 | 158,024.00 | 180,580.00 |
| Total Assets | 395,858.00 | 362,481.00 | 323,691.00 | 300,863.00 | 267,784.00 | 253,336.00 | 235,908.00 | 230,484.00 | 216,056.00 | 231,340.00 | 244,883.00 | 245,917.00 |
Cash Flows
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -10,584.00 | 1,913.00 | 1,002.00 | 2,983.00 | 4,399.00 | 2,422.00 | -10,658.00 | 4,190.00 | -9,082.00 | -3,852.00 | -2,978.00 | 7,861.00 |
| Cash from Investing Activity | -681.00 | -680.00 | -275.00 | -67.00 | -214.00 | 106.00 | -250.00 | 44.00 | -24.00 | -217.00 | -52.00 | -151.00 |
| Cash from Financing Activity | -977.00 | 5,870.00 | -430.00 | -336.00 | -1,637.00 | 3,266.00 | 4,283.00 | 5,450.00 | 5,754.00 | 3,609.00 | -579.00 | -553.00 |
| Net Cash Flow | -12,242.00 | 7,102.00 | 297.00 | 2,580.00 | 2,548.00 | 5,794.00 | -6,626.00 | 9,684.00 | -3,352.00 | -459.00 | -3,610.00 | 7,157.00 |
| Free Cash Flow | -11,015.00 | 1,576.00 | 703.00 | 2,701.00 | 4,189.00 | 2,258.00 | -10,782.00 | 4,139.00 | -9,187.00 | -3,991.00 | -3,122.00 | 7,688.00 |
| CFO/OP % | -61.00 | 13.00 | 8.00 | 27.00 | 60.00 | 43.00 | -296.00 | 266.00 | -165.00 | -40.00 | -38.00 | 58.00 |
Ratios
Annual · Days / % — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|
Corporate Actions
24 records| Action | Ex Date | Record Date | Ratio | Amount (₹) | Notes |
|---|---|---|---|---|---|
| Dividend | 04 May 2026 | 04 May 2026 | — | 0.44 | |
| Dividend | 09 May 2025 | 09 May 2025 | — | 0.39 | |
| Dividend | 10 May 2024 | 10 May 2024 | — | 0.28 | |
| Other | 08 Jun 2023 | — | — | — | Annual General Meeting |
| Other | 16 Jun 2022 | — | — | — | Annual General Meeting |
| Other | 12 Jul 2021 | — | — | — | Annual General Meeting |
| Other | 30 Jul 2020 | — | — | — | Annual General Meeting |
| Other | 19 Jun 2019 | — | — | — | Annual General Meeting |
| Other | 19 Jun 2018 | — | — | — | Annual General Meeting |
| Other | 20 Jun 2017 | — | — | — | Annual General Meeting |
| Other | 21 Jun 2016 | — | — | — | Annual General Meeting |
| Dividend | 23 Jun 2015 | — | — | 2.00 | |
| Dividend | 24 Jun 2014 | — | — | 1.00 | |
| Dividend | 20 Jan 2014 | 21 Jan 2014 | — | 2.00 | |
| Dividend | 17 Jun 2013 | — | — | 1.60 | |
| Dividend | 15 Jun 2012 | — | — | 3.00 | |
| Dividend | 05 Jul 2011 | — | — | 3.00 | |
| Dividend | 23 Jun 2010 | — | — | 1.50 | |
| Dividend | 16 Jun 2009 | — | — | 1.00 | |
| Dividend | 19 Jun 2008 | — | — | 1.00 | |
| Other | 07 Jun 2007 | — | — | — | Annual General Meeting |
| Dividend | 22 Mar 2007 | 23 Mar 2007 | — | 1.00 | |
| Other | 05 Jun 2006 | — | — | — | Agm |
| Dividend | 01 Jun 2005 | — | — | 1.00 |
Announcements
5 filingsShareholding Pattern
Open on BSEFinancial Results — Filings
Open on BSEBoard Filings
Open on BSEAnnual Reports
Credit Ratings
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Rating update14 Aug from crisil
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Rating update4 Aug from infomerics
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Rating update18 Feb from smera
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Rating update12 Jan from care
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Rating update14 Aug 2025 from crisil
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Rating update5 Aug 2025 from infomerics