UCO Bank Share Price in Focus; Net Profit Rises 15.65% in Q3FY26 Results

UCO Bank reported its unaudited financial results for the quarter ended December 31, 2025 with strong growth across business segments. Total business of the bank stood at ₹5,53,680 crore as on December 31, 2025, registering a growth of 13.25% year-on-year compared with ₹4,88,911 crore in the previous year. 

Gross advances increased by 16.74% to ₹2,43,594 crore, while total deposits grew by 10.64% to ₹3,10,086 crore.

CASA deposits reached ₹1,12,083 crore, reflecting a growth of 11.49% YoY. The CASA ratio improved by 44 basis points to 38.41%, indicating better mobilisation of low-cost deposits.

The bank continued to witness strong traction in priority segments, with Retail, Agriculture and MSME advances rising by 25.86% to ₹1,43,919 crore. Retail advances grew 28.18%, agriculture advances 24.69% and MSME advances 23.56%, underlining balanced and diversified credit expansion.

Quarterly Profitability Performance

For the quarter ended December 31, 2025, the bank posted a net profit of ₹739 crore, up 15.65% from ₹639 crore in the same period last year. Operating profit increased by 5.93% to ₹1,680 crore compared with ₹1,586 crore a year ago. Net interest income rose by 11.27% to ₹2,646 crore against ₹2,378 crore in the corresponding quarter.

Net Interest Margin remained stable with global NIM at 3.08% and domestic NIM at 3.27% for the quarter. Growth in core income along with controlled operating expenses supported overall earnings improvement.

Nine Months Financial Performance

For the nine months ended December 31, 2025, operating profit grew by 11.92% to ₹4,856 crore as against ₹4,339 crore in the same period of the previous year. Net profit increased by 9.70% to ₹1,967 crore from ₹1,793 crore. Net interest income for the nine-month period rose by 9.38% to ₹7,582 crore compared with ₹6,932 crore a year earlier.

Asset And Liabilities Position

Total business expanded by 13.25% YoY to ₹5,53,680 crore as on December 31, 2025. Total deposits increased by 10.64% to ₹3,10,086 crore, while gross advances rose by 16.74% to ₹2,43,594 crore, reflecting healthy credit demand and improved balance sheet strength.

UCO Bank Share Price Performance

On January 19, 2026, UCO Bank share price (NSE: UCOBANK) opened at ₹30.29, up from its previous close of ₹29.66. At 12:01 PM, the share price of UCO Bank was trading at ₹29.79, up by 0.44% on the NSE.

Also Read: UCO Bank Share Price Gains Over 3% After Q3FY26 Financial Disclosure!

Conclusion

UCO Bank delivered a resilient performance driven by strong advances growth, improvement in CASA ratio and steady profitability. The consistent expansion in retail, agriculture and MSME lending has strengthened the bank’s asset mix. With stable margins and improved business momentum, the bank appears well positioned to sustain growth in the upcoming quarters.

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