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UCO Bank Sets May 4, 2026 as Record Date for ₹0.44 per Share Dividend
UCO Bank has officially designated May 4, 2026, as the record date to determine shareholder eligibility for its final dividend for the financial year 2025-26. The bank's board has recommended a dividend of ₹0.44 per equity share, which translates to 4.40% of the face value of ₹10. This announcement follows the board's recommendation made on April 25, 2026. The final disbursement of the dividend is subject to shareholder approval at the upcoming Annual General Meeting.
Key Highlights
Dividend recommended at ₹0.44 per equity share for the financial year 2025-26.
Record date for determining shareholder entitlement is fixed as Monday, May 4, 2026.
The dividend represents 4.40% of the face value of ₹10 per share.
Final payout is contingent upon approval at the forthcoming Annual General Meeting.
💼 Action for Investors
Investors interested in the dividend should ensure they hold the shares in their demat account by the record date. Given the modest dividend yield, investors should continue to monitor the bank's quarterly performance and NPA trends for long-term value.
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UCO Bank FY26 Net Profit Grows 13.2% to ₹2,768 Cr; Asset Quality Improves with Net NPA at 0.28%
UCO Bank reported a solid financial performance for the fiscal year ended March 2026, with net profit rising 13.21% YoY to ₹2,768 crore. The bank's total business reached ₹5,90,314 crore, supported by a robust 19.44% growth in advances and an 11.59% increase in deposits. Asset quality improved significantly, with Gross NPA dropping to 2.17% and Net NPA reaching a low of 0.28%. The bank maintained a healthy Provision Coverage Ratio of 97.32% and a Global NIM of 3.03%, exceeding its annual guidance.
Key Highlights
Net Profit for FY26 increased by 13.21% YoY to ₹2,768 Cr, with Q4 profit at ₹801 Cr.
Gross NPA reduced by 52 bps YoY to 2.17%, while Net NPA improved to 0.28% from 0.50% last year.
Advances grew 19.44% YoY to ₹2,62,752 Cr, driven by a 24.23% growth in the RAM (Retail, Agri, MSME) segment.
Domestic CASA deposits grew by 12.46% YoY, resulting in a healthy CASA ratio of 38.65%.
Global Net Interest Margin (NIM) stood at 3.03%, outperforming the bank's guidance of 2.8-2.9%.
💼 Action for Investors
The bank's significant improvement in asset quality and strong growth in high-yield RAM segments are positive triggers. Investors should monitor the bank's ability to maintain its NIM levels and credit cost, which currently stands at a low 0.62%.
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UCO Bank FY26 Net Profit Rises 13.2% to ₹2,768 Cr; Asset Quality Improves with Net NPA at 0.28%
UCO Bank reported a steady financial performance for FY26, with a net profit of ₹2,768 crore, marking a 13.21% year-on-year growth. The bank's credit growth was robust at 19.44%, significantly exceeding its guidance of 12-14%, driven primarily by the Retail, Agri, and MSME (RAM) segments. Asset quality showed marked improvement, with Gross NPA falling to 2.17% and Net NPA reaching a low of 0.28%. The Provision Coverage Ratio (PCR) remains exceptionally strong at 97.32%, providing a solid buffer.
Key Highlights
Net Profit for FY26 grew 13.21% YoY to ₹2,768 Cr, with Q4 profit at ₹801 Cr.
Gross NPA improved by 52 bps YoY to 2.17%, while Net NPA dropped to 0.28%.
Total Advances grew 19.44% YoY to ₹2,62,752 Cr, led by a 26.62% surge in Retail loans.
Domestic CASA ratio improved to 38.65%, with total deposits reaching ₹3,27,563 Cr.
Net Interest Income (NII) for the full year stood at ₹10,197 Cr, up 5.89% YoY.
💼 Action for Investors
Investors should note the bank's significant improvement in asset quality and credit growth exceeding its own guidance. The stock remains a solid hold for long-term investors looking for stability in the PSU banking sector given the low Net NPA levels.
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UCO Bank Q4 Net Profit Rises 23% to ₹801 Cr; Plans ₹7,700 Cr Fundraise & ₹0.44 Dividend
UCO Bank reported a strong set of numbers for Q4 FY26, with net profit growing 22.8% YoY to ₹801.15 crore. The bank's asset quality improved significantly, with Net NPA dropping to 0.27% from 0.50% in the previous year. To support future growth, the Board has approved a massive capital raising plan of up to ₹7,700 crore for FY 2026-27, comprising ₹2,700 crore in equity and ₹5,000 crore in bonds. Additionally, a dividend of ₹0.44 per share has been recommended for shareholders.
Key Highlights
Net Profit for Q4 FY26 rose 22.8% YoY to ₹801.15 crore compared to ₹652.43 crore in Q4 FY25.
Asset quality improved with Gross NPA at 2.17% and Net NPA at a multi-year low of 0.27%.
Board approved equity capital raising of ₹2,700 crore and debt raising of up to ₹5,000 crore for FY 2026-27.
Capital Adequacy Ratio (CRAR) remains robust at 18.51% with CET-1 at 16.36%.
Recommended a dividend of ₹0.44 per equity share for the financial year 2025-26.
💼 Action for Investors
The bank's consistent improvement in asset quality and strong capital adequacy make it a healthy pick in the PSU banking space. Investors should monitor the execution of the fundraise as it will provide the necessary fuel for credit growth in the coming fiscal year.
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UCO Bank to Hold EGM on March 16 to Elect Shareholder Director and Extend ED's Tenure
UCO Bank has scheduled an Extraordinary General Meeting (EGM) on March 16, 2026, to seek shareholder approval for key board appointments. The agenda includes electing one Shareholder Director to fill a vacancy until January 9, 2028, following the resignation of Ms. Rachana Khare. Additionally, the bank seeks to approve a three-year tenure extension for Executive Director Shri Rajendra Kumar Saboo, effective from November 20, 2025. Remote e-voting for these resolutions will be open from March 12 to March 15, 2026.
Key Highlights
Extraordinary General Meeting (EGM) scheduled for March 16, 2026, via Video Conferencing.
Election of 1 Shareholder Director to fill the casual vacancy until January 9, 2028.
Proposal to extend the tenure of Shri Rajendra Kumar Saboo, Executive Director, for 3 years.
Cut-off date for voting eligibility is March 9, 2026, with e-voting starting March 12.
The bank currently has public shareholding of less than 16%, limiting it to one Shareholder Director.
💼 Action for Investors
Investors should monitor the appointment of the new director to ensure continued board oversight and governance. Leadership stability through the ED's extension is generally a neutral to positive signal for operational continuity.
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UCO Bank Q3 FY26: Net Profit Rises 15.65% to ₹739 Cr; Asset Quality Improves Significantly
UCO Bank reported a strong Q3 FY26 performance with a 15.65% y-o-y increase in net profit to ₹739 crore and a 16.74% growth in advances. Asset quality showed marked improvement as Gross NPA fell to 2.41% and Net NPA reached a low of 0.36%, supported by a high Provision Coverage Ratio of 97.32%. The bank has proactively built an ECL provision buffer of ₹1,252 crore, covering nearly 50% of its estimated future requirements. Management maintains a conservative credit growth guidance of 12-14% despite current outperformance in the RAM segment.
Key Highlights
Net Profit grew 15.65% y-o-y to ₹739 crore; Operating Profit rose 6% to ₹1,680 crore.
Advances grew 16.74% y-o-y, driven by a 25.86% surge in the RAM (Retail, Agri, MSME) segment.
Asset quality improved with GNPA at 2.41% and NNPA at 0.36%, while PCR stands strong at 97.32%.
Global NIM improved to 3.08% from 3.03% sequentially; Domestic NIM stood at 3.27%.
Capital Adequacy Ratio remains robust at 17.43% (18.67% including 9-month profits).
💼 Action for Investors
Investors should note the bank's consistent improvement in NIMs and asset quality as signs of structural strength. The proactive ECL provisioning reduces future earnings volatility, making the stock a stable prospect in the PSU banking sector.
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UCO Bank Q3FY26 Results: Net Profit Rises 15.65% to ₹739 Cr; Asset Quality Improves Significantly
UCO Bank reported a solid performance for the quarter ended December 2025, with net profit growing 15.65% YoY to ₹739 crore. The bank's credit growth was robust at 16.74% YoY, significantly outperforming its guidance, driven by a 28.18% surge in retail advances. Asset quality showed marked improvement with Gross NPA falling to 2.41% and Net NPA dropping to 0.36%. The bank also exceeded its operational guidance for Net Interest Margin (NIM) and slippage ratios, reflecting strong management execution.
Key Highlights
Net Profit increased by 15.65% YoY to ₹739 crore, while Net Interest Income rose 11.27% to ₹2,646 crore.
Asset quality improved with Gross NPA at 2.41% (down 50bps YoY) and Net NPA at 0.36% (down 27bps YoY).
Retail advances grew by 28.18% YoY, fueled by a massive 73.52% growth in vehicle loans.
Global NIM stood at 3.08%, exceeding the management's full-year guidance range of 2.8-2.9%.
Total business reached ₹5,53,680 crore, marking a 13.25% YoY growth with a healthy PCR of 97.32%.
💼 Action for Investors
Investors should take note of the bank's superior asset quality and its ability to exceed management guidance on margins and slippages. The strong growth in the retail segment and high provision coverage ratio make it a healthy pick among mid-sized public sector banks.
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UCO Bank Q3 FY26 Net Profit Rises 15.65% YoY to ₹739 Cr; Asset Quality Improves
UCO Bank reported a steady performance for Q3 FY26, with net profit growing 15.65% YoY to ₹739 crore. The bank's total business reached ₹5.54 lakh crore, driven by a robust 16.74% growth in advances, particularly in the RAM (Retail, Agri, MSME) segment which grew by 25.86%. Asset quality showed significant improvement, with Gross NPA falling to 2.41% and Net NPA reaching a low of 0.36%. Net Interest Income (NII) also saw healthy growth of 11.27% YoY to ₹2,646 crore.
Key Highlights
Net Profit increased by 15.65% YoY to ₹739 crore for the quarter ended December 2025.
Gross NPA improved to 2.41% (down 50 bps YoY) and Net NPA stood at 0.36% (down 27 bps YoY).
Total Advances grew 16.74% YoY to ₹2,43,594 crore, led by a 28.18% surge in Retail loans.
Provision Coverage Ratio (PCR) remains strong at 97.32%, up from 96.16% a year ago.
Domestic CASA deposits grew 11.49% YoY to ₹1,12,083 crore, maintaining a CASA ratio of 38.41%.
💼 Action for Investors
UCO Bank demonstrates strong credit growth and superior asset quality metrics compared to many peers. Investors may consider this a positive sign for long-term stability in the PSU banking sector, though they should monitor the impact of rising cost of funds on future margins.
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UCO Bank Q3 FY26 Net Profit Rises 15.8% YoY to ₹739.5 Cr; Asset Quality Improves Significantly
UCO Bank reported a strong set of results for Q3 FY26, with net profit growing 15.8% YoY to ₹739.51 crore. The bank's asset quality showed significant improvement, with Gross NPA falling to 2.41% from 2.97% a year ago, and Net NPA reaching a low of 0.36%. Capital adequacy remains robust at 17.43%, providing a healthy cushion for future growth. Operating profit also saw a steady climb to ₹1,673.20 crore, reflecting improved operational efficiency.
Key Highlights
Net Profit increased by 15.8% YoY to ₹739.51 crore for the quarter ended December 2025.
Gross NPA ratio improved to 2.41% from 2.97% YoY, while Net NPA ratio dropped to 0.36% from 0.63% YoY.
Capital Adequacy Ratio (Basel III) strengthened to 17.43% compared to 16.25% in the previous year.
Return on Assets (RoA) improved to 0.83% from 0.75% on a year-on-year basis.
Provision Coverage Ratio (PCR) stands at a healthy 91.32% as of December 31, 2025.
💼 Action for Investors
UCO Bank's consistent improvement in asset quality and healthy capital ratios make it a strong performer among mid-sized PSU banks. Investors may consider holding the stock as the bank demonstrates a sustainable turnaround in profitability.
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UCO Bank Q3FY26 Provisional Business Grows 13.29% YoY to Rs 5.54 Lakh Crore
UCO Bank reported a robust performance in its provisional business figures for the quarter ended December 31, 2025, with total business reaching Rs 5.54 lakh crore. The bank's advances grew significantly by 16.27% YoY to Rs 2.43 lakh crore, outpacing the 10.71% YoY growth in deposits. The domestic CASA ratio saw a healthy marginal improvement to 38.41%, while the Credit-Deposit (CD) ratio increased to 78.61%. This indicates strong credit demand, although the widening gap between loan and deposit growth warrants observation.
Key Highlights
Total business reached Rs 5.54 lakh crore, up 13.29% YoY and 3.36% QoQ.
Gross advances surged 16.27% YoY to Rs 2.43 lakh crore, with domestic advances growing 17.49%.
Total deposits grew 10.71% YoY to Rs 3.10 lakh crore, though QoQ growth was modest at 1.64%.
Domestic CASA ratio improved to 38.41% from 37.97% in the same period last year.
Credit-Deposit (CD) ratio rose to 78.61% from 74.45% YoY, reflecting aggressive lending.
💼 Action for Investors
Investors should take note of the strong credit growth and improving CASA profile, which are positive for margins. However, monitor the rising CD ratio as it may necessitate higher deposit mobilization costs in the coming quarters.