UCO Bank 2026 Outlook | Profits, Share Price & Analysis

UCO Bank

NSEI:UCOBANK

Rp 24,61

Rp0,00 (0,00%)

24,61 Rp

Rp0,00 (0,00%)

End-of-day quote: 03/27/2026

UCO Bank Stock Value

Analysts currently see UCO Bank at the level of sf_Data Unavailable.

UCO Bank Company Info

EPS Growth 5Y

0,00%

Market Cap

Rp308,60 B

Long-Term Debt

Rp286,88 B

Annual earnings

04/29/2026

Dividend

Rp0,39

Dividend Yield

1,58%

Founded

1943

Industry

Financials

Country

India

Website

UCO Bank

ISIN Number

INE691A01018

Website

http://www.ucobank.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

There are currently no price targets available for this stock.

In the last five quarters, UCO Bank’s Price Target has risen from Rp68,00 to Rp68,00 - a 0,00% increase.

Top growth stocks in the financials sector (5Y.)

What does UCO Bank do?

UCO Bank provides a range of banking and financial services. The company accepts deposit products, such as current accounts, saving accounts, salary accounts, PPF accounts, fixed deposits, recurring deposits, accounts in foreign currency, salary accounts, and fee collection accounts. It also provides agri, home, education, gold, personal, vehicle, and mortgage loans; finance to micro and small enterprises; working capital financing; term loans; infrastructure finance; and agriculture credit. In...

In addition, the company offers life, health, and general insurance products; credit and debit cards; internet banking services; and international banking services, including NRI banking, foreign currency loans, finance to exporters and importers, remittances, forex and treasury services, resident foreign currency deposits, and correspondent banking services to Indian customers, corporates, NRIs, overseas corporate bodies, foreign companies/individuals, and foreign banks.

Further, the company provides government deposit schemes/bonds, pension payments/schemes, and tax collection services; merchant banking; sovereign gold bonds; and mutual funds.

Business Segments

The company operates through Treasury Operations, Corporate/Wholesale Banking, and Retail Banking segments.

Treasury Operations

This segment is responsible for managing the company's investment portfolio, liquidity, and financial risk. This segment handles the trading and investment in government securities, bonds, and other financial instruments. The Treasury operations also include the management of foreign exchange and derivative transactions.

Corporate/Wholesale Banking

This segment caters to large corporate clients, providing a range of financial services including working capital finance, term loans, trade finance, and other banking services tailored to the needs of corporate customers.

Retail Banking

This segment serves individual customers and small businesses, offering products such as savings accounts, fixed deposits, personal loans, home loans, and credit cards.

Digital Banking emphasizes the use of technology to provide banking services through digital platforms, ensuring convenience and accessibility for customers.

Other Retail Banking Encompasses traditional banking services provided through branches and other physical channels.

Loans

The company, a prominent financial institution, offers a diverse range of loan products tailored to meet the varying needs of its customers. The company's loan portfolio is categorized into several segments, each designed to address specific financial requirements of individuals, businesses, and other entities.

Retail Loans

Personal Loans

The company provides personal loans to individuals for various personal needs, such as medical expenses, education, travel, and other personal requirements.

Home Loans

The company offers home loans to individuals for purchasing, constructing, or renovating residential properties.

Auto Loans

The company's auto loans are designed for individuals looking to purchase new or used vehicles.

Education Loans

The company provides education loans to students pursuing studies in India or abroad. These loans cover tuition fees, accommodation, and other related expenses, ensuring that financial constraints do not hinder educational aspirations.

Other Retail Loans

The company also offers other retail loan products, including loans against property, gold loans, and consumer durable loans, catering to various financial needs of individual customers.

Corporate Loans

Working Capital Finance

The company provides working capital finance to businesses to meet their short-term operational needs. This includes funding for inventory, receivables, and other day-to-day expenses, ensuring smooth business operations.

Term Loans

The company offers term loans to businesses for capital expenditure, expansion, modernization, and other long-term investments. These loans are structured with flexible repayment schedules to align with the cash flow patterns of the business.

Trade Finance

The company's trade finance solutions include letters of credit, bank guarantees, and bill discounting, facilitating domestic and international trade transactions.

Project Finance

For large-scale infrastructure and industrial projects, The company provides project finance, covering the entire project lifecycle from conception to completion. This includes funding for construction, equipment purchase, and other project-related expenses.

Agricultural Loans

Crop Loans

The company offers crop loans to farmers to finance the cultivation of crops. These loans cover expenses related to seeds, fertilizers, pesticides, and other agricultural inputs, ensuring that farmers have the necessary resources for successful crop production.

Agricultural Term Loans

The company provides agricultural term loans for long-term investments in agriculture, such as purchasing farm machinery, developing irrigation facilities, and constructing storage structures.

Kisan Credit Card (KCC)

The company's Kisan Credit Card scheme provides farmers with a credit limit to meet their agricultural and other allied needs. The KCC offers flexible credit terms and easy access to funds, helping farmers manage their financial requirements effectively.

MSME Loans

Micro, Small, and Medium Enterprises (MSME) Loans

The company offers a range of loan products specifically designed for MSMEs, including working capital loans, term loans, and trade finance solutions. These loans support the growth and development of MSMEs, contributing to economic development and job creation.

Mudra Loans

Under the Pradhan Mantri Mudra Yojana (PMMY), The company provides Mudra loans to micro and small enterprises for business expansion, equipment purchase, and other business needs. These loans are categorized into Shishu, Kishore, and Tarun, based on the funding requirements.

Investment Portfolio

The company's investment portfolio is composed of various types of securities, including government securities, approved securities, shares, debentures, bonds, and investments in subsidiaries and joint ventures. These securities include government securities, other approved securities, debentures, and bonds.

Deposits

The company offers a variety of deposit products designed to meet the needs of its diverse customer base. The company's deposit portfolio includes savings accounts, current accounts, fixed deposits, recurring deposits, and other specialized deposit schemes.

Products and Services

The company offers a wide range of products and services designed to meet the diverse needs of its customers. The company's offerings include banking services, loan products, investment options, and various other financial services.

Banking Services

Savings Accounts

The company provides various savings account options, including regular savings accounts, UCO Star Savings Scheme, UCO Saral Savings Deposit Scheme, and UCO No-Frills Savings Account, catering to different customer segments.

Current Accounts

The company offers current accounts for businesses and professionals, including Regular Current Account and UCO Smart Business Current Account, providing features such as overdraft facilities and internet banking.

Fixed Deposits

The company's fixed deposit schemes offer attractive interest rates and flexible tenures, including the UCO Fixed Deposit Scheme, UCO Tax Saver Fixed Deposit Scheme, UCO Monthly Income Scheme, UCO 1111 Days Fixed Deposit Scheme, UCO 444 Days Fixed Deposit Scheme, and UCO 999 Days Fixed Deposit Scheme.

Recurring Deposits

The company's recurring deposit schemes allow customers to save a fixed amount every month for a specified period, earning attractive interest rates.

NRI Deposits

The company offers NRE, NRO, and FCNR accounts for Non-Resident Indians, providing tax-free interest, repatriability of funds, and protection against exchange rate fluctuations.

Senior Citizen Deposits

The company provides specialized deposit schemes for senior citizens, offering higher interest rates and additional benefits.

Bulk Deposits

The company's bulk deposit schemes cater to high-value deposits, providing attractive interest rates and flexible tenures.

Loan Products

Retail Loans

The company offers a range of retail loan products, including personal loans, home loans, auto loans, education loans, and loans against property, gold loans, and consumer durable loans.

Corporate Loans

The company provides corporate loans such as working capital finance, term loans, trade finance, and project finance, catering to the financial needs of businesses.

Agricultural Loans

The company offers agricultural loans, including crop loans, agricultural term loans, and Kisan Credit Card (KCC), to support the financial requirements of farmers.

MSME Loans

The company provides loans for Micro, Small, and Medium Enterprises (MSMEs), including working capital loans, term loans, and trade finance solutions, supporting the growth and development of MSMEs.

Priority Sector Loans

The company fulfills its priority sector lending obligations by providing loans to sectors such as agriculture, MSMEs, education, housing, and renewable energy.

Other Financial Services

Internet Banking

The company provides internet banking services, allowing customers to access their accounts, transfer funds, pay bills, and perform other banking transactions online.

Mobile Banking

The company's mobile banking app offers convenient banking services on the go, including account management, fund transfers, and bill payments.

ATM Services

The company's extensive network of ATMs provides customers with easy access to cash withdrawals, balance inquiries, and other banking services.

Credit and Debit Cards

The company offers a range of credit and debit cards, providing various benefits such as reward points, cashback, and discounts.

Insurance Products

The company provides insurance products, including life insurance, health insurance, and general insurance, offering comprehensive coverage and financial protection.

Mutual Funds

The company offers mutual fund investment options, providing customers with diversified investment opportunities and professional fund management.

Geographical Markets Served

The company operates extensively across India and has a notable international presence, such as in Tehran and Iran. The company's geographical markets include operations across various states and union territories in India.

History

The company was founded and incorporated in 1943. The company was formerly known as The United Commercial Bank Ltd. and changed its name to UCO Bank in December 1985.

UCO Bank Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Banking and Financial Services:** 100% **Top 3 Markets:** 1. **India:** approximately 85% 2. **Bangladesh:** approximately 10% 3. **Nepal:** approximately 5% UCO Bank is primarily engaged in banking and financial services, with a strong focus on the Indian market. The majority of revenu...

At which locations are the company’s products manufactured?

**Headquarters:** Kolkata, India UCO Bank is a state-owned bank in India and does not produce physical products in the traditional sense. As a financial institution, it offers a variety of banking services and financial products, including account management, loans, investment products, and other f...

What strategy does UCO Bank pursue for future growth?

**Capital Increase:** 2,000 Crore INR (2024) **Digitalization Investments:** 500 Crore INR (2024) UCO Bank is pursuing a growth strategy focusing on strengthening its capital base and digitalizing its services. In 2024, the bank carried out a capital increase of 2,000 Crore INR to enhance its fin...

Which raw materials are imported and from which countries?

**Imported raw materials/materials:** No specific raw materials **Countries of origin:** Not applicable UCO Bank is a bank and not a manufacturing company, therefore it does not import raw materials or materials. Banks are financial institutions that offer services such as lending, deposit managem...

How strong is the company’s competitive advantage?

**Market share in the Indian banking sector:** Approximately 2% (estimated for 2025) **Return on equity (ROE):** 9.5% (2024) **Net interest margin (NIM):** 2.8% (2024) UCO Bank is one of the older banks in India, with a long history and an established network of branches. Its competitive advant...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** approximately 25% (2025, estimated) **Insider Buys/Sells:** No significant transactions in the last year (2025, estimated) The institutional investor share in UCO Bank is around 25%, indicating a moderate interest from institutional investors. This can be attribut...

What percentage market share does UCO Bank have?

**Market Share of UCO Bank:** Estimated around 2-3% (2025) **Top Competitors and Their Market Shares:** 1. **State Bank of India (SBI):** around 23% 2. **HDFC Bank:** around 10% 3. **ICICI Bank:** around 9% 4. **Punjab National Bank (PNB):** around 7% 5. **Bank of Baroda:** around 6% 6. **Axis Bank...

Is UCO Bank stock currently a good investment?

**Return on Equity (ROE):** 8.5% (2024) **Net Profit Growth:** 10% (2024) **Loan Default Rate:** 3.2% (2024) UCO Bank achieved a Return on Equity of 8.5% in 2024, indicating moderate efficiency in utilizing its equity. The 10% net profit growth in the same year suggests a positive trend in profitab...

Does UCO Bank pay a dividend – and how reliable is the payout?

**Dividend Yield:** 2.5% (estimated for 2025) **Dividend History:** Regular payouts in the last 3 years UCO Bank has regularly distributed dividends in recent years, indicating a certain reliability in its dividend policy. The estimated dividend yield of 2.5% for 2025 is based on the recent pay...

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UCO Bank Stock Value

UCO Bank Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does UCO Bank do?

UCO Bank Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

UCO Bank Stock Value

UCO Bank Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does UCO Bank do?

UCO Bank Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.