UCO Bank has reported a strong finish to FY2025-26, achieving a net profit of Rs. 801 crore for the quarter ending March 31, 2026, marking a 22.66% year-on-year growth. For the full fiscal year, the bank recorded a net profit of Rs. 2,768 crore. Business growth remained resilient, with total business reaching Rs. 5,90,314 crore, supported by significant expansion in retail, agriculture, and MSME sectors.
Financial Highlights
UCO Bank delivered a robust performance in the fourth quarter of FY2025-26. The bank’s net profit for the quarter stood at Rs. 801 crore, up from Rs. 653 crore in the same period of the previous year. This performance contributes to an annual net profit of Rs. 2,768 crore, representing a 13.21% year-on-year increase compared to FY2024-25.
Business and Asset Growth
The bank’s total business witnessed a 14.95% year-on-year growth to reach Rs. 5,90,314 crore. This growth was driven by a 19.44% increase in gross advances and an 11.59% rise in total deposits. The CASA ratio showed healthy improvement, rising by 74 basis points to 38.65%.
Sectoral Performance
The RAM (Retail, Agriculture, and MSME) segment emerged as a key growth driver, with total advances increasing by 24.23% to Rs. 1,52,324 crore. Specifically, retail advances grew by 26.62%, agriculture by 26.24%, and MSME advances by 19.36%, demonstrating the bank’s successful focus on diversified lending.
Asset Quality and Operational Efficiency
Asset quality showed significant improvement, with Gross NPA reducing to 2.17% and Net NPA improving to 0.27% as of March 31, 2026. The bank also maintained a solid Capital Adequacy Ratio (CRAR) of 18.61%. Operational efficiency metrics also improved, with business per employee rising to Rs. 28.08 crore and business per branch reaching Rs. 172.91 crore.
Dividend Proposal
Reflecting its strong financial position, the Board has proposed a dividend of 4.40% (44 paise per equity share) for the fiscal year 2025-26, which is subject to approval by shareholders at the bank’s upcoming Annual General Meeting.
Source: BSE
