UCO Bank532505Quarterly results

Q2 FY2026-27 press release: net profit Rs.786 Crore, gross NPA 1.96%, total business Rs.6,37,280 Crore

UCO Bank's press release on Q2 FY2026-27 results shows Total Business at Rs.6,37,280 Crore (up 18.81% YoY), Net Profit at Rs.786 Crore (up 26.77% YoY), Gross NPA at 1.96% and Net NPA at 0.18% as on 30.09.2026.

By ScoutQuest · Thu 15 Oct 2026, 2:50 PM IST · 2 min read

Total Business: Rs.6,37,280 Crore (up 18.81% YoY)
Net Profit: Rs.786 Crore (up 26.77% YoY)
Gross NPA / Net NPA: 1.96% / 0.18% as on 30.09.2026

UCO Bank has released a press release on its unaudited (reviewed) financial results for the quarter and half year ended 30 September 2026. The highlights below are for the September 2026 quarter, with year-on-year comparisons against 30 September 2025 where the update states them.

Business growth

Total Business stood at Rs.6,37,280 Crore, a growth of 18.81% on Y-o-Y basis
Gross Advances grew 24.70% to Rs.2,87,690 Crore
Total Deposits grew 14.36% to Rs.3,49,590 Crore
Total CASA stood at Rs. 1,22,259 Crore, up 10.59%, with the CASA Ratio at 36.77%
Savings Deposit stood at Rs. 1,03,736 Crore (up 9.10%) and Current Deposit at Rs. 18,523 Crore (up 19.70%)

Advances mix

The RAM (Retail, Agriculture & MSME) segment rose 26.92% to Rs. 1,68,736 Crore
Retail Advances stood at Rs.76,817 Crore against Rs.58,987 Crore, a growth of 30.23%, backed by Home loan growth of 20.29% and Vehicle loan growth of 61.91%
Agriculture Advances stood at Rs.41,014 Crore against Rs.31,650 Crore, up 29.59%
Advances to the MSME sector stood at Rs.50,905 Crore against Rs.42,309 Crore, up 20.32%

Profitability

Net Profit for the quarter ended 30.09.2026 stood at Rs.786 Crore against Rs.620 Crore, a growth of 26.77% on Y-o-Y basis
Operating Profit grew 16.04% on Y-o-Y basis to Rs.1,872 Crore
Net Interest Income grew 13.96% to Rs.2886 Crore against Rs.2533 Crore
Net Interest Margin: Global 3.00% (improved 10 bps Y-o-Y) and Domestic 3.19% (improved 11 bps Y-o-Y)
Cost of fund improved by 13 bps to 4.44%; Yield on Advances (Domestic) stood at 8.11%
Cost to Income ratio improved to 50.39% from 52.79%
Return on Asset improved by 9 bps to 0.80% from 0.71%
Fee based Income grew 34.66% to Rs.558 Crore against Rs.414 Crore

Asset quality

Gross NPA reduced by 60 bps Y-o-Y to 1.96%; Net NPA reduced by 25 bps Y-o-Y to 0.18%
Provision Coverage Ratio stood at 98.36%; Tangible PCR stood at 90.88%
Slippage Ratio for the quarter was 0.85% (Annualized)

Capital and other ratios

Capital Adequacy Ratio stood at 18.85%, with Tier I Capital Ratio of 17.27%
Credit to Deposit Ratio stood at 82.29% as on 30.09.2026 against 75.47% as on 30.09.2025

Operational efficiency and network

Business per employee improved to Rs 30 Crore from Rs.25 Crore
Business per Branch improved to Rs 185 Crore from Rs.161 Crore
Branch network: 3439 Domestic Branches and 3 International Branches at Hong Kong, Singapore and IBU Gift City Branch
61 percent of Domestic Branches are spread in the Rural & Semi-Urban region

What the release puts out: growth in Total Business, Gross Advances and Deposits along with higher Operating Profit and Net Profit, lower Gross NPA and Net NPA percentages, a higher Capital Adequacy Ratio and a higher Credit to Deposit Ratio compared with 30.09.2025. These are the figures the company has shared for the September 2026 quarter.

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