UCO Bank’s Business Grows 14% in Q1 FY26, Advances and Deposits Show Strong Momentum

UCO Bank announced solid performance for the quarter ending June 30, 2025. The bank’s total business increased by 13.7% year-on-year to ₹5.24 lakh crore. On a quarterly basis, total business was up 2%, reflecting healthy momentum.

Advances See Robust Demand

Total advances reached ₹2.25 lakh crore, marking a 16.6% increase compared to last year and a 2.3% rise over the previous quarter. Domestic advances showed even stronger growth, climbing 19.8% year-on-year and 2.6% sequentially to ₹2 lakh crore. This growth was mainly due to higher demand for loans in the local market.

Deposits Continue to Grow

Deposits also expanded steadily. Total deposits rose 11.6% year-on-year and 1.7% over the last quarter to ₹2.99 lakh crore. Domestic deposits accounted for ₹2.80 lakh crore, increasing by 9.8% annually and 1.5% compared to the previous quarter.

UCO Bank Q4 FY25 Results Recap

Earlier, as of March 31, 2025, UCO Bank’s total business stood at ₹5.13 lakh crore, growing 14.12% year-on-year. Gross advances were ₹2.19 lakh crore, up 17.72%, while total deposits grew by 11.56% to ₹2.93 lakh crore. Net profit for Q4 FY25 reached ₹652 crore, showing a strong 23.98% increase from ₹526 crore a year earlier. Operating profit for the same period rose 33.48% to ₹1,699 crore.

UCO Bank Strong Performance in RAM Sectors

The RAM segment, which includes Retail, Agriculture, and MSME loans, performed particularly well. Lending to this sector grew 25.74% year-on-year, totalling ₹1.22 lakh crore. Retail advances increased by 35.09% to ₹54,255 crore, driven by demand for home loans (up 18.13%) and vehicle loans (up 58.99%). Agriculture lending rose by 20.02%, while MSME advances grew by 18.55% year-on-year.

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UCO Bank Share Price Performance

On July 3, 2025, UCO Bank share price closed at ₹32.37, down ₹0.34 or 1.04% for the day. During the session, the stock opened at ₹32.77, reached a high of ₹32.85, and touched a low of ₹32.28. The bank has a market capitalisation of ₹40,570 crore, a price-to-earnings (P/E) ratio of 15.69, and offers a dividend yield of 1.20%. Over the past year, its share price has ranged between a 52-week high of ₹60.68 and a 52-week low of ₹26.81. The quarterly dividend amount stands at ₹0.10 per share.

Conclusion

UCO Bank has demonstrated strong growth across advances and deposits, reflecting improving demand and business activity. While the share price slipped slightly, the bank’s steady performance in core lending areas and profitability highlights its continued strength in the Indian banking sector.

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