# UCO Bank (UCOBANK) — Stock analysis

> Faxioms all-in-one stock review. Canonical page: https://faxioms.com/stocks/ucobank

## Current market snapshot

- Exchange: NSE
- Country: India
- Price: ₹23.86
- Change: +0.00%
- As of: 2026-11-06
- 1D return: +0.00%
- 5D return: +8.16%
- 1M return: +3.92%
- Latest complete quarter: fy27_q2

## Faxioms Analysis

_As of 2026-11-06_

### Technical Outlook

UCO Bank (₹23.86) exhibits a mixed technical profile on 2026-11-06, characterized by short-term consolidation within a broader weekly downtrend and a strong monthly context. Daily momentum is developing but lacks conviction (ADX 20.72), with price holding above the 20-day and 50-day EMAs while remaining below the 200-day SMA and Supertrend, signaling a neutral-to-bearish short-term bias. The stock recently experienced an extreme upward gap (+3.8%) on 2026-11-05 followed by a high-severity downward gap on 2026-11-06, creating volatility that obscures clear directional intent. Weekly structure remains bearish (Supertrend down, ADX 18.02), though the monthly trend is bullish (Supertrend up, ADX 47.47). Price sits in the upper-middle of its 20-day range (+72.8%) but near the lower end of its 252-day range (+19.6%). Immediate resistance lies at ₹24.03 (0.71% above) and support at ₹23.83 (pivot, 0.13% below).

- Short-term trend is neutral-developing; price holds above 20/50-day EMAs but below 200-day SMA and daily Supertrend.
- Weekly structure is bearish (Supertrend down, ADX 18.02); Monthly structure is bullish (Supertrend up, ADX 47.47).
- Recent volatility includes an extreme +3.8% upward gap (Nov 5) and a high-severity downward gap (Nov 6).
- Key levels: Resistance at ₹24.03 (0.71%); Support pivot at ₹23.83 (0.13% below).
- Risk metrics show annualized volatility of +33.2% and current drawdown of -47.3%.

- Bullish Engulfing Reversal
- Outside Bar
- Doji
- Harami

### Official Filings

UCO Bank has advanced its capital-raising strategy with a 'BBB' long-term and 'A-2' short-term issuer credit rating from S&P Global Ratings, assigned on November 4, 2026. The stable outlook reflects high likelihood of government support, positioning the bank's rating one notch above its stand-alone credit profile (SACP). As of March 31, 2026, the bank reported a Risk-Adjusted Capital (RAC) ratio of 9.5% and a Common Equity Tier 1 (CET1) ratio of 16.4%. The board has approved raising ₹27 billion in core equity capital by fiscal 2028, which is projected to push the RAC ratio above 10% and improve profitability to approximately 1.2% by end-fiscal 2029.

Concurrently, the bank is executing a non-deal roadshow for foreign currency fundraising under its Medium Term Note (MTN) Programme. Meetings were held in Dubai on November 2–3, 2026, with further sessions scheduled for November 10, 2026, in Singapore, organized by Barclays Bank PLC, Mizuho, and Emirates NBD. Management confirmed no unpublished price-sensitive information was shared during these engagements.

Governance changes effective October 23, 2026, include the appointment of Mr. Mohamed Ashraf J S as a Non-Executive Non-Independent Director for a 36-month term, replacing Shri Hari Har Mishra. In Q2 FY27 (ended September 30, 2026), the bank reported total business of ₹6,37,280 crore, net profit of ₹786 crore, gross NPA ratio of 1.96%, and net NPA ratio of 0.18%.

- S&P Global Ratings assigned UCO Bank a 'BBB' long-term and 'A-2' short-term issuer credit rating with a stable outlook on November 4, 2026, citing extraordinary government support.
- Board-approved plan to raise ₹27 billion in core equity capital by fiscal 2028 aims to increase the Risk-Adjusted Capital (RAC) ratio above 10% from the current 9.5% (as of March 31, 2026).
- Non-deal roadshow for Medium Term Note (MTN) Programme fundraising continues with meetings in Dubai (November 2–3, 2026) and Singapore (November 10, 2026); no unpublished price-sensitive information was disclosed.
- Q2 FY27 results (ended September 30, 2026) showed net profit of ₹786 crore, total business of ₹6,37,280 crore, gross NPA at 1.96%, and net NPA at 0.18%.

- [UCO Bank has informed the Exchange about Schedule of meet |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/UCOBANK_05112026184109_NSEBSEROADSHOW.pdf)
- [UCO Bank has informed the Exchange about assignment of issuer Rating by S&P Global Ratings |SUBJECT: Credit Rating- New](https://nsearchives.nseindia.com/corporate/UCOBANK_04112026184616_SPRATINGS04112026.pdf)
- [UCO Bank has informed the Exchange about Updates on Non Deal Roadshow |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/UCOBANK_03112026213430_NSEBSEOUTCOME03112026.pdf)
- [UCO Bank has informed the Exchange about Investor Presentation |SUBJECT: Investor Presentation](https://nsearchives.nseindia.com/corporate/UCOBANK_02112026105716_NSEBSEIP02112026.pdf)
- [UCO Bank has informed the Exchange about Schedule of meet |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/UCOBANK_28102026210053_NSEBSEROADSHOW.pdf)
- [UCO Bank has informed the Exchange about Change in Directors/KMP/SMP/Auditor/RTA |SUBJECT: Change in Directors/KMP/SMP/Auditor/RTA](https://nsearchives.nseindia.com/corporate/xbrl/CIM_2152_WebXMLFile_20261026_181152550.xml)
- [UCO Bank has informed the Exchange regarding Change in Director(s) of the company. |SUBJECT: Change in Director(s)](https://nsearchives.nseindia.com/corporate/UCOBANK_23102026201606_a0a53702-5598-4073-8b75-e97813c23ab2.pdf)
- [UCO Bank has informed the Exchange about Transcript |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/UCOBANK_16102026165056_NSEBSETRANSCRIPT16102026FINAL.pdf)
- [UCO Bank has informed the Exchange about Audio Recording/Video Recording |SUBJECT: Analyst/Investor Meet Para A-XBRL](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_2152_WebXMLFile_20261016_181501748.xml)
- [UCO Bank has informed the Exchange about Transcripts - earnings or quarterly calls |SUBJECT: Analyst/Investor Meet Para A-XBRL](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_2152_WebXMLFile_20261016_181636558.xml)

### Fundamentals

UCO Bank’s Q2 FY2026-27 results (ending September 2026) reveal a divergence between top-line growth and operating efficiency. While interest earned rose sequentially to ₹7,286 crore from ₹6,996 crore in Q1, other income collapsed by 47% to ₹888 crore, causing total income to fall from ₹8,682 crore to ₹8,174 crore. This contraction was amplified by a sharp rise in provisions for non-tax contingencies, which jumped from ₹235 crore to ₹808 crore. Consequently, profit before tax dropped significantly from ₹2,575 crore to ₹1,065 crore. Despite these headwinds, net profit increased to ₹786 crore from ₹656 crore, supported by lower tax outflows or other adjustments not detailed in the provided metrics.

On the balance sheet, the bank continues to expand its footprint, with advances growing to ₹2,82,571 crore and deposits reaching ₹3,49,590 crore as of September 2026. However, cash flow dynamics have deteriorated sharply; cash from operating activities turned negative at -₹10,584 crore for the year ended March 2026, compared to positive flows in prior years. Return on Equity improved to 9% for March 2026, up from 8% previously, indicating better capital utilization despite the recent quarterly volatility.

- Q2 FY2026-27 Net Profit rose to ₹786 crore (+20% QoQ), but Profit Before Tax fell sharply to ₹1,065 crore (-59% QoQ) due to a surge in provisions (₹808 crore) and a drop in other income.
- Interest earned grew sequentially to ₹7,286 crore, yet total income declined to ₹8,174 crore as other income halved from ₹1,686 crore in Q1.
- Balance sheet expansion continues: Advances reached ₹2,82,571 crore and Deposits ₹3,49,590 crore as of Sep 2026, while ROE improved to 9% for FY2026.
- Cash flow concern: Cash from Operating Activity turned deeply negative at -₹10,584 crore for FY2026, contrasting with +₹1,913 crore in FY2025.

### Bear Case

UCO Bank faces significant near-term headwinds, evidenced by a bearish daily technical setup and substantial historical underperformance. As of November 6, 2026, the stock trades at ₹23.86, with the daily Supertrend indicating a bearish direction and the 50-day moving average slope remaining negative (-0.27). The share price is currently testing immediate support at ₹23.83, having closed flat on the day despite broader market gains where the Nifty 50 rallied 1.58%. This divergence highlights weak relative momentum.

Longer-term trends reinforce caution: the weekly trend is also bearish, with both the 20-day and 50-day moving averages sloping downward. Over the past year, the stock has declined 25.3%, contributing to a year-to-date loss of 19.2% and a cumulative drawdown from its peak of 47.3%. Volatility remains elevated, with an annualized volatility of 33.2% and an Average True Range (ATR) of 2.54%, suggesting persistent price instability. Resistance overhead is limited, with the nearest level at ₹24.03 just 0.71% above current prices, offering little room for upside without breaking through immediate supply.

- Daily technicals are bearish: Supertrend is down, 50-day MA slope is negative (-0.27), and price is testing pivot support at ₹23.83.
- Significant underperformance: Stock is down 25.3% over one year and 19.2% year-to-date, with a maximum drawdown of -52.2%.
- High volatility and resistance proximity: Annualized volatility stands at 33.2%; nearest resistance is only 0.71% away at ₹24.03.
- Weak relative momentum: Weekly trend is bearish with declining moving average slopes, contrasting with the broader Nifty 50's recent rally.

- [Stocks in news: NSE, BSE, SBI, Happiest Minds, MCX, IEX and Minda Corp](https://economictimes.indiatimes.com/markets/stocks/news/stocks-in-news-nse-bse-sbi-happiest-minds-mcx-iex-and-minda-corp/articleshow/135508071.cms)
- [UCO Bank has informed the Exchange about Schedule of meet |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/UCOBANK_05112026184109_NSEBSEROADSHOW.pdf)
- [UCO Bank has informed the Exchange about assignment of issuer Rating by S&P Global Ratings |SUBJECT: Credit Rating- New](https://nsearchives.nseindia.com/corporate/UCOBANK_04112026184616_SPRATINGS04112026.pdf)
- [UCO Bank has informed the Exchange about Updates on Non Deal Roadshow |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/UCOBANK_03112026213430_NSEBSEOUTCOME03112026.pdf)
- [UCO Bank has informed the Exchange about Investor Presentation |SUBJECT: Investor Presentation](https://nsearchives.nseindia.com/corporate/UCOBANK_02112026105716_NSEBSEIP02112026.pdf)
- [UCO Bank has informed the Exchange about Schedule of meet |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/UCOBANK_28102026210053_NSEBSEROADSHOW.pdf)
- [UCO Bank has informed the Exchange about Change in Directors/KMP/SMP/Auditor/RTA |SUBJECT: Change in Directors/KMP/SMP/Auditor/RTA](https://nsearchives.nseindia.com/corporate/xbrl/CIM_2152_WebXMLFile_20261026_181152550.xml)
- [UCO Bank has informed the Exchange regarding Change in Director(s) of the company. |SUBJECT: Change in Director(s)](https://nsearchives.nseindia.com/corporate/UCOBANK_23102026201606_a0a53702-5598-4073-8b75-e97813c23ab2.pdf)
- [UCO Bank has informed the Exchange about Transcript |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/UCOBANK_16102026165056_NSEBSETRANSCRIPT16102026FINAL.pdf)
- [UCO Bank has informed the Exchange about Audio Recording/Video Recording |SUBJECT: Analyst/Investor Meet Para A-XBRL](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_2152_WebXMLFile_20261016_181501748.xml)

### FAQs

**What recent credit rating update has UCO Bank received, and what does it imply about its capital position?**

On November 4, 2026, S&P Global Ratings assigned UCO Bank a 'BBB' long-term issuer credit rating with a stable outlook. This rating reflects a very high likelihood of extraordinary support from the Government of India, placing the bank's rating one notch above its stand-alone credit profile (SACP). As of March 31, 2026, the bank reported a Risk-Adjusted Capital (RAC) ratio of 9.5% and a Common Equity Tier 1 (CET1) ratio of 16.4%.

**Is UCO Bank currently raising funds, and how is it engaging with investors?**

Yes. The bank is conducting a Non-Deal Roadshow to engage prospective institutional investors for foreign currency fundraising under its Medium Term Note (MTN) Programme. Meetings were held in Dubai on November 2–3, 2026, and further sessions are scheduled for Singapore on November 10, 2026. The bank confirmed that no unpublished price-sensitive information will be shared during these sessions.

**What are the key financial projections outlined by the bank for the near future?**

The bank has board approval to raise ₹27 billion in core equity capital, expected to be raised by fiscal 2028, which is projected to push the RAC ratio above 10%. Additionally, profitability is expected to improve to approximately 1.2% by end-fiscal 2029. These figures represent forward-looking estimates based on current board approvals and strategic plans.

**How has the stock performed technically over different timeframes as of November 6, 2026?**

As of November 6, 2026, the stock closed at ₹23.86. On a daily basis, technical indicators such as the Supertrend are bearish, with resistance levels noted at ₹24.03 and ₹24.20. However, the monthly trend shows a bullish Supertrend direction. Year-to-date returns are -19.2%, while the 1-year return stands at -25.3%, though the stock has gained +10.3% over the past 10 days.

- [Stocks in news: NSE, BSE, SBI, Happiest Minds, MCX, IEX and Minda Corp](https://economictimes.indiatimes.com/markets/stocks/news/stocks-in-news-nse-bse-sbi-happiest-minds-mcx-iex-and-minda-corp/articleshow/135508071.cms)
- [UCO Bank has informed the Exchange about Schedule of meet |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/UCOBANK_05112026184109_NSEBSEROADSHOW.pdf)
- [UCO Bank has informed the Exchange about assignment of issuer Rating by S&P Global Ratings |SUBJECT: Credit Rating- New](https://nsearchives.nseindia.com/corporate/UCOBANK_04112026184616_SPRATINGS04112026.pdf)
- [UCO Bank has informed the Exchange about Updates on Non Deal Roadshow |SUBJECT: General Updates](https://nsearchives.nseindia.com/corporate/UCOBANK_03112026213430_NSEBSEOUTCOME03112026.pdf)
- [UCO Bank has informed the Exchange about Investor Presentation |SUBJECT: Investor Presentation](https://nsearchives.nseindia.com/corporate/UCOBANK_02112026105716_NSEBSEIP02112026.pdf)
- [UCO Bank has informed the Exchange about Schedule of meet |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/UCOBANK_28102026210053_NSEBSEROADSHOW.pdf)
- [UCO Bank has informed the Exchange about Change in Directors/KMP/SMP/Auditor/RTA |SUBJECT: Change in Directors/KMP/SMP/Auditor/RTA](https://nsearchives.nseindia.com/corporate/xbrl/CIM_2152_WebXMLFile_20261026_181152550.xml)
- [UCO Bank has informed the Exchange regarding Change in Director(s) of the company. |SUBJECT: Change in Director(s)](https://nsearchives.nseindia.com/corporate/UCOBANK_23102026201606_a0a53702-5598-4073-8b75-e97813c23ab2.pdf)
- [UCO Bank has informed the Exchange about Transcript |SUBJECT: Analysts/Institutional Investor Meet/Con. Call Updates](https://nsearchives.nseindia.com/corporate/UCOBANK_16102026165056_NSEBSETRANSCRIPT16102026FINAL.pdf)
- [UCO Bank has informed the Exchange about Audio Recording/Video Recording |SUBJECT: Analyst/Investor Meet Para A-XBRL](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_2152_WebXMLFile_20261016_181501748.xml)
## Technical analytics

- As of: 2026-11-06
- Daily trend: Weak Uptrend
- Weekly trend: Weak Downtrend
- Pivot point: ₹23.83
- Risk regime: Higher Price Risk

### Support levels
- 23.51
- 22.854999999999997
- 22.22

### Resistance levels
- 24.8
- 31.947812499999998
- 33.226875

### Return and range metrics

| Metric | Value |
| --- | --- |
| return_1 | +0.00% |
| return_10 | +10.31% |
| return_1m | +2.54% |
| return_1y | -25.32% |
| return_20 | +3.92% |
| return_3m | -10.44% |
| return_5 | +8.16% |
| return_6m | -11.53% |
| return_since_start | -45.60% |
| return_ytd | -19.20% |

### Risk and volatility metrics

| Metric | Value |
| --- | --- |
| state | high_risk |
| label | Higher price risk |
| summary | Recent drawdown or price variability is materially high and may lead to larger short-term outcomes. |
| maximum_drawdown | -52.22% |
| annualized_volatility | +33.17% |

## Quarterly financials

- Latest complete quarter: fy27_q2

# UCO Bank Q2 FY2026-27 Results

## Profit Growth Amid Higher Provisions

UCO Bank reported standalone profit after tax of ₹785.64 crore for the quarter ended 30 September 2026, up 26.8% from ₹619.76 crore a year earlier and 19.7% from ₹656.33 crore in the preceding quarter. Year-on-year growth in interest income and operating profit supported the result, while provisions rose and pre-tax profit increased only modestly. Improving reported asset-quality measures were another notable feature of the quarter.

## Income and Operating Performance

Total income was ₹8,174.08 crore, up 10.1% year on year and down 5.9% quarter on quarter. Interest earned rose 11.5% year on year to ₹7,286.32 crore and 4.1% sequentially. Interest expended increased 9.9% year on year to ₹4,399.92 crore and 5.1% quarter on quarter. Other income was ₹887.76 crore, little changed from a year earlier but down 47.4% from June’s ₹1,686.24 crore.

Operating profit before provisions and contingencies reached ₹1,872.36 crore, up 16.1% year on year but down 33.4% quarter on quarter. The sequential fall in other income was a significant contrast with the continuing increase in interest earned.

## Balance-Sheet Growth

At 30 September 2026, advances stood at ₹2,82,571.02 crore, up 9.6% from 30 June. Deposits rose 6.7% over the same period to ₹3,49,590.46 crore, while total assets increased 6.1% to ₹4,19,956.62 crore. Investments were ₹99,927.51 crore, up 1.2% quarter on quarter. Advances therefore grew faster than investments during the quarter.

## Asset Quality

Gross non-performing assets declined to ₹5,632.22 crore from ₹5,667.16 crore in June and ₹5,894.72 crore a year earlier. Net non-performing assets fell to ₹513.49 crore, from ₹675.71 crore in June and ₹961.94 crore a year earlier.

The gross NPA ratio improved to 1.96%, compared with 2.08% in June and 2.56% a year earlier. The net NPA ratio was 0.18%, down from 0.25% and 0.43%, respectively. The lower NPA balances and ratios alongside quarter-on-quarter growth in advances indicate an improvement in the reported asset-quality measures.

## Provisions, Tax and Returns

Provisions other than tax and contingencies increased to ₹807.67 crore from ₹588.14 crore a year earlier and ₹234.61 crore in June. Profit before tax was ₹1,064.69 crore, up 3.9% year on year but down 58.7% quarter on quarter.

Tax expense was ₹279.05 crore, compared with ₹405.30 crore a year earlier and ₹1,918.60 crore in June. The sequential increase in net profit came despite the marked decline in pre-tax profit, with the lower tax expense contributing to the difference. Return on assets was 0.80%, against 0.71% a year earlier and 0.68% in June. Basic and diluted earnings per share were both ₹0.63, compared with ₹0.49 a year earlier and ₹0.52 in the preceding quarter.

## Costs and Capital

Operating expenses were ₹1,901.80 crore, up 5.4% year on year and 12.9% quarter on quarter. Employee costs were ₹1,207.52 crore, while other operating expenses were ₹694.28 crore. Total expenditure excluding provisions and contingencies reached ₹6,301.72 crore, up 8.5% year on year and 7.3% sequentially.

CET1 stood at 17.06% at quarter-end, compared with 15.61% a year earlier and 17.22% in June. The additional Tier 1 ratio was 0.21%. Reserves and surplus increased to ₹22,038.52 crore from ₹20,709.67 crore in June. The Government of India’s shareholding remained at 90.95%.

## Management Commentary

In its investor presentation for the September 2026 quarter, UCO Bank reported net interest income of ₹2,886 crore, up 13.96% year on year. Retail advances reached ₹76,817 crore, up 30.23% from a year earlier. Management also reported a provision coverage ratio of 98.36% including technical write-offs, alongside a domestic net interest margin of 3.19% and deposits of ₹3,49,590 crore, up 14.36% year on year. These operating measures come from the bank's own presentation and sit alongside the reviewed results for the quarter.

## Key Takeaway
UCO Bank’s September-quarter profit rose year on year as interest income and operating profit increased, while advances and deposits expanded and reported asset-quality measures improved. Higher provisions moderated the contribution from operating performance, and the quarter-on-quarter profit increase was accompanied by a sharp fall in tax expense despite substantially lower pre-tax profit. The quarter’s key investor signals are continued balance-sheet growth, improving NPAs and the impact of volatile other income and provisions on reported earnings.

### Ratios

## Shareholding pattern

- Quarter: FY2027-Q2
- As of: 2026-09-30
- Promoter holding: +90.95%
- FII holding: +0.06%
- DII holding: +4.14%
- Mutual fund holding: +0.30%
- Retail holding: +3.17%
- Promoter pledged: +0.00%

### Major reported shareholders

- PRESIDENT OF INDIA — +90.95%
- Life Insurance Corporation of India — +2.31%

## Official filings

- 2026-11-06 — Generic Announcement: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/UCOBANK_06112026183012_NSEBSEMCLR06112026.pdf)
- 2026-11-05 — Generic Announcement: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/UCOBANK_05112026184109_NSEBSEROADSHOW.pdf)
- 2026-11-04 — Credit Rating Update: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/UCOBANK_04112026184616_SPRATINGS04112026.pdf)
- 2026-11-03 — Generic Announcement: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/UCOBANK_03112026213430_NSEBSEOUTCOME03112026.pdf)
- 2026-11-02 — Earnings Presentation: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/UCOBANK_02112026105716_NSEBSEIP02112026.pdf)
- 2026-10-28 — Generic Announcement: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/UCOBANK_28102026210053_NSEBSEROADSHOW.pdf)
- 2026-10-26 — Generic Announcement: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/CIM_2152_WebXMLFile_20261026_181152550.xml)
- 2026-10-23 — Generic Announcement: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/UCOBANK_23102026201606_a0a53702-5598-4073-8b75-e97813c23ab2.pdf)
- 2026-10-16 — Generic Announcement: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/UCOBANK_16102026165056_NSEBSETRANSCRIPT16102026FINAL.pdf)
- 2026-10-16 — Generic Announcement: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_2152_WebXMLFile_20261016_181501748.xml)
- 2026-10-16 — Generic Announcement: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_2152_WebXMLFile_20261016_181636558.xml)
- 2026-10-16 — Generic Announcement: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_2152_WebXMLFile_20261016_181545191.xml)
- 2026-10-15 — Generic Announcement: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/UCOBANK_15102026131612_NSEFRSEpt.pdf)
- 2026-10-15 — Generic Announcement: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/UCOBANK_15102026142250_AnalystPPT.pdf)
- 2026-10-15 — Press Release: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/UCOBANK_15102026144656_PRF.pdf)
- 2026-10-15 — Financial Results Filing: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/INTEGRATED_FILING_BANKING_1739098_15102026052550_WEB.xml)
- 2026-10-15 — Generic Announcement: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/UCOBANK_15102026213242_Forwarding.pdf)
- 2026-10-12 — Board Meeting Notice: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/UCOBANK_12102026180524_NSEBSENOTICEOFBM12102026.pdf)
- 2026-10-12 — Generic Announcement: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/UCOBANK_12102026181504_NSEBSEMEET12102026.pdf)
- 2026-10-12 — Generic Announcement: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/PRIOR_INTIMATION_2152_WebXMLFile_20261012_182226364.xml)
- 2026-10-12 — Board Meeting Notice: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/PRIOR_INTIMATION_2152_WebXMLFile_20261012_182226364.xml)
- 2026-10-12 — Generic Announcement: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/xbrl/SAIIM_2152_WebXMLFile_20261012_183146370.xml)
- 2026-10-09 — Credit Rating Update: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/UCOBANK_09102026171732_NSEBSEINDIARATING09102026.pdf)
- 2026-10-09 — Credit Rating Update: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/content/debt/WDM/UCOBANK_09102026172828_NSEBSEINDIARATING09102026.pdf)
- 2026-10-08 — Generic Announcement: UCO Bank — [Official attachment](https://nsearchives.nseindia.com/corporate/UCOBANK_08102026102055_NSEBSEMCLR08102026.pdf)

## News and market events

- 2026-11-06 — Mint: **UCO Bank fined ₹15,000 for delay in revising widow’s family pension despite official instructions: Here's what happened | Mint** — A Chandigarh District Consumer Commission directed UCO Bank’s Rupnagar branch manager to pay ₹15,000 in compensation after finding that the bank delayed revising a widow’s family pension despite instructions from the pension authorities. The commission said the delay caused hardship and mental harassment, and that paying the arrears after a consumer complaint was filed did not undo the impact. — [Source](https://www.livemint.com/money/uco-bank-fined-15-000-for-delay-in-revising-widow-s-family-pension-despite-official-instructions-heres-what-happened-11793981648967.html)
- 2026-11-04 — Economic Times: **Stocks in news: NSE, BSE, SBI, Happiest Minds, MCX, IEX and Minda Corp** — Indian equities extended their winning streak to a fourth consecutive session, with the Nifty 50 rallying 1.58% to settle at 23,811 as broad-based buying sustained market recovery. Key entities including NSE, SBI, MCX, and Happiest Minds Technologies are in focus following strong quarterly earnings, while other firms like Chambal Fertilisers and Bata India reported mixed results with profit declines or margin contractions despite revenue growth. — [Source](https://economictimes.indiatimes.com/markets/stocks/news/stocks-in-news-nse-bse-sbi-happiest-minds-mcx-iex-and-minda-corp/articleshow/135508071.cms)
- 2026-10-21 — Mint: **UCO Bank raises $730 million through FCNR deposits, avoids high-cost bulk funds | Mint** — The fund mobilization supported the Kolkata-based bank’s liquidity requirements as advances grew 24.7% year-on-year in the September quarter. — [Source](https://www.livemint.com/industry/banking/uco-bank-730-million-fcnr-deposits-bulk-funds-credit-growth-asset-quality-11792553778517.html)
- 2026-10-17 — Mint: **Best 3 stocks to buy under ₹100: Equitas SFB, UCO Bank, Suzlon by Mehul Kothari of Anand Rathi — Target, stop-loss | Stock Market News** — Stok market strategy: With selling pressure easing and momentum improving, we now maintain our ‘buy-on-dips’ stance, says Mehul Kotharo of Anand Rathi — [Source](https://www.livemint.com/market/stock-market-news/best-3-stocks-to-buy-under-rs-100-equitas-sfb-uco-bank-suzlon-by-mehul-kothari-of-anand-rathi-target-stoploss-11792229200001.html)
- 2026-10-16 — CNBC-TV18: **UCO Bank sees FY27 loan growth exceeding guidance, maintains asset quality targets** — UCO Bank MD & CEO (I/C) Rajendra Kumar Saboo said the bank has already brought gross NPA below 2% and sees limited impact from drought conditions and higher bond yields. — [Source](https://www.cnbctv18.com/market/earnings/uco-bank-to-beat-loan-growth-guidance-after-24-7-credit-growth-md-rajendra-kumar-saboo-q2-earnings-results-boardroom-npa-msme-gold-loans-20013434.htm)
- 2026-10-15 — The Hindu: **BL Mumbai Bureau-The HinduBusinessLine** — [Source](https://www.thehindubusinessline.com/profile/author/bl-mumbai-bureau-14972/)
- 2026-10-15 — The Hindu: **UCO Bank Q2 net jumps 26.76% at ₹785.64 crore, aims at 12-14% credit growth for FY27** — UCO Bank Q2 net jumps 26.76% at ₹785.64 crore, aims at 12-14% credit growth for FY27 — [Source](https://www.thehindubusinessline.com/money-and-banking/uco-bank-q2-net-jumps-2676-at-78564-crore-aims-at-12-14-credit-growth-for-fy27/article71589484.ece)
- 2026-10-15 — Economic Times: **Indian Bank, UCO Bank lead Q2 profit growth as treasury income slumps** — Indian Bank, UCO Bank, South Indian Bank and Karur Vysya Bank reported double-digit Q2 profit growth, supported by core income and loan expansion. However, rising bond yields hurt treasury earnings, while improving asset quality and provisions shaped quarterly performance. — [Source](https://economictimes.indiatimes.com/markets/stocks/earnings/indian-bank-uco-bank-lead-q2-profit-growth-as-treasury-income-slumps/articleshow/134969955.cms)
- 2026-10-15 — CNBC-TV18: **UCO Bank Q2 Results: Net profit rises nearly 27%, asset quality improves; Stock volatile post earnings** — UCO Bank shares surged sharply by 3.5% post reporting their second quarter results to hit an intraday high of ₹24.8 apiece. However, it then fell 4.4% sharply as well to hit an intraday low of ₹23.71 apiece. — [Source](https://www.cnbctv18.com/market/uco-bank-q2-results-net-profit-nii-growth-asset-quality-better-provisions-rise-share-price-volatility-20012617.htm)
- 2026-10-15 — BUSINESS: **Indian Bank, South Indian Bank gain up to 5% from day's low post Q2 results** — Indian Bank reported a near 15% YoY growth in net profit, while Uco Bank and South Indian Bank posted 26.8% and 21.3% profit growth in Q2FY27. — [Source](https://www.business-standard.com/markets/news/indian-bank-south-indian-bank-gain-up-to-5-from-day-s-low-post-q2-results-126101500635_1.html)
- 2026-10-15 — FREEPRESSJOURNAL.IN: **UCO Bank Net Profit Surges 27% To ₹785.64 Crore In September Quarter** — UCO Bank reported a 27 per cent year-on-year increase in net profit to ₹785.64 crore for the quarter ended 30 September 2026, driven by higher total income. Total income also saw a significant rise, reaching ₹8,174.08 crore for the quarter. — [Source](https://www.freepressjournal.in/business/uco-bank-net-profit-surges-27-to-78564-crore-in-september-quarter)
- 2026-10-11 — Mint: **Car loan rates start at 7.35%: Check EMIs and processing fees of 18 lenders | Mint** — Car loan interest rates start at 7.35% across 18 lenders, according to Paisabazaar data. Compare car loan EMIs on ₹5 lakh over five years, processing fees, interest-rate concessions and repayment costs before choosing a lender in October 2026. — [Source](https://www.livemint.com/money/personal-finance/car-loan-rates-start-at-7-35-check-emis-and-processing-fees-of-18-lenders-11791693346774.html)
- 2026-10-08 — MONEYCONTROL: **RBI repo rate hike: PNB, BoB, Indian Bank, UCO Bank raise lending rates; EMIs to rise** — RBI repo rate hike 2026, bank lending rate hike, PNB home loan interest rate, Bank of Baroda RBLR hike, Indian Bank repo linked rate — [Source](https://www.moneycontrol.com/news/business/personal-finance/rbi-repo-rate-hike-pnb-bob-indian-bank-uco-bank-raise-lending-rates-emis-to-rise-14047790.html)
- 2026-10-08 — LIVELAW.IN: **Mechanical Transfer Of Caregiver 1000 Kms Away From Thalassemia Patient 'Inhumane', Violates Article 21: Rajasthan High Court** — The Rajasthan High Court has set aside the order by UCO Bank wherein the caregiver of a Thalassemia patient was transferred 1,000 kms away without reasonable consideration and through mechanical... — [Source](https://www.livelaw.in/high-court/rajasthan-high-court/rajasthan-high-court-sets-aside-order-of-transfer-of-caregiver-thalassemia-patient-says-its-inhumane-and-violates-article-21-constitution-553712)
- 2026-10-08 — MONEYCONTROL: **UCO Bank raises select lending rates after RBI’s 25-bps repo hike, MCLR unchanged** — UCO bank, rbi repo rate, rbi rate hike, uco lending rates, revised uco lending rates — [Source](https://www.moneycontrol.com/banking/uco-bank-raises-select-lending-rates-after-rbi-s-25-bps-repo-hike-mclr-unchanged-article-14047482.html)
- 2026-10-05 — DECCANCHRONICLE.COM: **Banks To Report Strong Business Growth In Q2FY27** — The largest private sector lender HDFC Bank’s gross advances rose 16.3 per cent year-on-year to Rs 32.19 lakh crore as of September 30, 2026: Reports — [Source](https://www.deccanchronicle.com/nation/banks-to-report-strong-business-growth-in-q2fy27-1993347)
- 2026-10-05 — Economic Times: **Private banks' deposit mobilisation outpaces PSU peers in Q2** — From a loan growth perspective, state-run banks' advances growth remained in the range of 12.59-29.83 per cent year-on-year in Q2, while private banks' growth ranged from 16.3-40 per cent during the same period. — [Source](https://economictimes.indiatimes.com/industry/banking/finance/banking/private-banks-deposit-mobilisation-outpaces-psu-peers-in-q2/articleshow/134709342.cms)
- 2026-09-28 — BUSINESS: **Sensex, Nifty end sharply lower; PSU Bank shares bear brunt** — Investors remained focused on movements in crude oil prices, developments in the US-Iran conflict, global bond yields, the currency market and activity in the primary market. Market participants are also tracking a series of domestic and global economic data releases scheduled during the week, which could influence expectations surrounding monetary policy decisions by central banks. — [Source](https://www.business-standard.com/markets/capital-market-news/sensex-nifty-end-sharply-lower-psu-bank-shares-bear-brunt-126092800755_1.html)
- 2026-09-28 — Mint: **Eight PSU banks lack non-executive chairmen, raising governance concerns | Mint** — The role of a non-executive chairman at banks and other financial institutions is crucial, providing board leadership, broad policy direction and oversight of governance. The issue assumes greater significance in view of a new RBI governance framework, issued on 14 July and effective from 1 October. — [Source](https://www.livemint.com/industry/banking/public-sector-banks-without-chairman-in-india-11790503837757.html)
- 2026-09-27 — Orissa POST: **Consumers brace for three-day bank strike; certain banks open Sunday - OrissaPOST** — New Delhi: State Bank of India (SBI), Bank of Baroda (BoB), Punjab National Bank (PNB) and several other public sector banks are open Sunday (September 27), giving customers an opportunity to complete their banking work before a proposed three-day nationwide bank strike from September 28 to September 30. The special Sunday opening applies to public […] — [Source](https://www.orissapost.com/consumers-brace-for-three-day-bank-strike-certain-banks-open-sunday/)
- 2026-09-26 — NEWS.WEBINDIA123.COM: **Himachal Bank employees to observe three-day strike from September 28 over dive day week, PLI scheme** — Bank employees and officers across the country will observe a three-day nationwide strike from September 28 to 30 to press for implementation of a five-day banking week and withdrawal of the newly introduced Performance Linked Incentive (PLI) scheme, the United Forum of Bank Unions (UFBU) said on Friday. — [Source](https://news.webindia123.com/news/Articles/India/20260926/4503632.html)
- 2026-09-25 — DECCANCHRONICLE.COM: **ED Searches Kerala Jeweller In Loan Fraud Probe** — The central financial probe agency recently registered a case based on a CBI probe into the alleged loan fraud involving the company, the sources said. — [Source](https://www.deccanchronicle.com/nation/ed-searches-kerala-jeweller-in-loan-fraud-probe-1990661)
- 2026-09-25 — The Hindu: **The Latest Home Loan Interest Rates: Sep 25, 2026** — The Latest Home Loan Interest Rates: Sep 25, 2026 — [Source](https://www.thehindubusinessline.com/money-and-banking/the-latest-home-loan-interest-rates-sep-25-2026/article64808517.ece)
- 2026-09-25 — The Hindu: **ED searches Arafa Gold premises in Kollam, Thiruvananthapuram in alleged bank loan fraud** — ED conducts searches at Arafa Gold premises and residences in Kollam and Thiruvananthapuram under PMLA in alleged bank loan fraud linked to CBIs probe. — [Source](https://www.thehindu.com/news/national/kerala/ed-searches-arafa-gold-premises-in-kollam-thiruvananthapuram-in-alleged-bank-loan-fraud/article71507646.ece)
- 2026-09-23 — The Hindu: **Samvriddhi Inclusive Growth Network gets RBI in-principle nod to operate as an Online Payment Aggregator** — Samvriddhi Inclusive Growth Network receives RBI approval to operate as an Online Payment Aggregator, enhancing digital payment solutions for merchants. — [Source](https://www.thehindu.com/business/samvriddhi-inclusive-growth-network-gets-rbi-in-principle-nod-to-operate-as-an-online-payment-aggregator/article71499659.ece)

## Business profile

**Strategic vision:** Indian commercial bank providing financial participation across key economic sectors.

### Business segments
- **Retail Banking:** Provides core banking solutions including accounts, digital transactions, bill payments, and investment options through a widespread branch network and digital platforms.
- **Corporate Banking:** Offers core banking solutions including accounts, digital transactions, bill payments, and investment options through a widespread branch network and digital platforms.
- **International Banking:** Delivers international banking services including NRI banking, foreign currency loans, finance for exporters/importers, remittances, and forex services through authorized branches.
- **Digital Banking:** Offers online banking services via UCO Net-Banking for retail and corporate users, enabling account management, fund transfers, deposit operations, and bill payments.

### Competitive strengths
- Government of India Undertaking status
- Extensive domestic branch network
- International presence in key financial centers
- Correspondent and agency arrangements globally

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## Freshness and sources

- Data as of: 2026-11-06
- Source: Faxioms public stock analysis API

Canonical: https://faxioms.com/stocks/ucobank
Markdown representation: https://faxioms.com/stocks/ucobank?render=md