UCO BANK Q2 FY26 Results

Summary

UCO Bank has reported a 2.82% Y-o-Y growth in net profit for the second quarter of the financial year 2025-26. The total business of the bank has grown by 13.23% Y-o-Y, with gross advances increasing by 16.56% Y-o-Y and total deposits growing by 10.85% Y-o-Y. The bank's RAM segment has increased by 22.87% Y-o-Y, and gross NPA has reduced by 62 bps Y-o-Y to 2.56%.

Key Highlights

1. 1

   Total Business stood at Rs.5,36,398 Crore as on 30.09.2025 showing an increase of 13.23% Y-o-Y

2. 2

   Gross Advances increased by 16.56% Y-o-Y to Rs.2,30,702 Crore

3. 3

   Total Deposits grown by 10.85% Y-o-Y to Rs.305697 Crore

4. 4

   Net profit for the quarter ending 30.09.2025 stood at Rs.620 Crore

5. 5

   Operating Profit for the quarter ended 30.09.2025 stood at Rs.1,613 Crore

6. 6

   RAM segment of the Bank increased by 22.87 % to Rs. 1,32,946 Crore on Y-o-Y

7. 7

   Gross NPA reduced by 62 bps Y-o-Y to 2.56 % as on 30.09.2025

8. 8

   Capital Adequacy Ratio (CRAR) stood at 17.89% as on 30.09.2025

9. 9

   Total Business grew by 13.23% Y-0-Y to Rs. 5,36,398 Crore

10. 10

    Gross Advances grew 16.56% Y-o0-Y to Rs.2,30,702 Crore

11. 11

    Retail Advances stood at Rs.58,987 Crore as on 30.09.2025

12. 12

    Agriculture Advances stood at Rs.31,650 Crore as on 30.09.2025

13. 13

    Advances to MSME sector stood at Rs.42,309 Crore as on 30.09.2025

14. 14

    Operating Profit for the quarter ended 30.09.2025 stood at Rs.1,613 Crore

15. 15

    Net Profit for the quarter ended 30.09.2025 stood at Rs.620 Crore

16. 16

    Net Interest Income (NII) for the quarter ended 30.09.2025 stood at Rs.2,533 Crore

17. 17

    Net Interest Margin (NIM)- Global stood at 2.90%

18. 18

    Gross NPA improved to 2.56 % as on 30.09.2025

19. 19

    Net NPA improved to 0.43 % as on 30.09.2025

20. 20

    Provision Coverage Ratio stood at 96.99% as on 30.09.2025