DBT Bureau
Pune, 18 Jan 2026
UCO Bank posted a healthy Q3 FY26 performance with 15.65% YoY growth in net profit, improving asset quality and steady margin expansion, reflecting sustained balance-sheet strength.
Key Highlights of the Results -Q3 FY-2025-26
Business Growth – Total Business of the Bank stood at ₹5,53,680 Crore as on 31.12.2025 registering a growth of 13.25% on Y-o-Y basis, wherein Gross Advances grew by 16.74% on Y-o-Y basis to ₹2,43,594 Crore & Total Deposits grew by 10.64% on Y-o-Y basis to ₹3,10,086 Crore.
All figures are in ₹ Crore
| Key Business Metrics | As on 31.12.2025 | YoY Growth (%) |
|---|---|---|
| Total Business | 5,53,680 | 13.25% |
| Gross Advances | 2,43,594 | 16.74% |
| Total Deposits | 3,10,086 | 10.64% |
CASA Growth – Total CASA stood at ₹ 112083 Crore as on 31.12.2025 registering a growth of 11.49% on Y-o-Y basis.
CASA ratio improved by 44bps to 38.41%.
Profitability :
All figures are in ₹ Crore
| Profitability (Q3 FY26) | Quarter Ended 31.12.2025 | Quarter Ended 31.12.2024 | YoY Growth (%) |
|---|---|---|---|
| Net Profit | 739 | 639 | 15.65% |
| Operating Profit | 1,680 | 1,586 | 5.93% |
Net Interest Margin (NIM)- Global stood at 3.08% and Domestic NIM at 3.27 for the quarter ended 31.12.2025.
Advances in Retail, Agriculture & MSME (RAM) Sectors – RAM segment of the Bank increased by 25.86 % to ₹ 1,43,919 Crore Y-o-Y backed by 28.18% Y-o-Y growth in Retail advances 24.69% Y-o-Y growth in Agriculture advances and 23.56 % Y-o-Y growth in MSME advances.
Reduction in NPA – Gross NPA reduced by 50 bps Y-o-Y to 2.41 % as on 31.12.2025 whereas Net NPA reduced by 27 bps Y-o-Y to 0.36 % as on 31.12.2025.
Capital Adequacy Ratio – Capital Adequacy Ratio (CRAR) stood at 17.43% as on 31.12.2025 with Tier I Capital Ratio of 15.41%.
Credit to Deposit Ratio – Stood at 78.56% as on 31.12.2025 as against 74.45% as on 31.12.2024.
Profitability (Quarter Ended December,2025):
All figures are in ₹ Crore
| Profitability Metrics (Q3 FY26) | Quarter Ended 31.12.2025 | Quarter Ended 31.12.2024 | YoY Growth (%) |
|---|---|---|---|
| Operating Profit | 1,680 | 1,586 | 5.93% |
| Net Profit | 739 | 639 | 15.65% |
| Net Interest Income (NII) | 2,646 | 2,378 | 11.27% |
- Net Interest Margin (NIM)- Global stood at 3.08% and Domestic NIM at 3.27 for the quarter ended 31.12.2025.
- Cost of fund improved by 27 bps to 4.48% as on 31.12.2025.
- Yield on advances stood at 8.06% as on 31.12.2025.
- Cost to Income ratio improved by 330 bps at 52.20% as on 31.12.2025.
- Return on Asset (ROA) stood at 0.83% showing an improvement by 12bps on Q-o-Q basis
- Fee based Income grew by 29.91% Y-o-Y basis to ₹430 Crore as on 31.12.2025 as against ₹331 Crore as on 31.12.2024.
Profitability ( Nine Month Ended December 31st ,2025):
All figures are in ₹ Crore
| Profitability Metrics (Nine Months Ended) | 9M Ended 31.12.2025 | 9M Ended 31.12.2024 | YoY Growth (%) |
|---|---|---|---|
| Operating Profit | 4,856 | 4,339 | 11.92% |
| Net Profit | 1,967 | 1,793 | 9.70% |
| Net Interest Income (NII) | 7,582 | 6,932 | 9.38% |
Return on Asset (ROA) for the nine-month ended 31.12.2025 stood at 0.75%.
Fee based income grew by 22.46% on Y-o-Y basis to ₹1216 Crore for the nine-month ended 31.12.2025 as against ₹993 Crore for the nine month ended 31.12.2024.
Asset & Liabilities (As on December 31st ,2025)
All figures are in ₹ Crore
| Business & Advances | As on 31.12.2025 | As on 31.12.2024 | YoY Growth (%) |
|---|---|---|---|
| Total Business | 5,53,680 | 4,88,911 | 13.25% |
| Total Deposits | 3,10,086 | 2,80,256 | 10.64% |
| Gross Advances | 2,43,594 | 2,08,655 | 16.74% |
| Total RAM Advances | 1,43,919 | 1,14,350 | 25.86% |
| Retail Advances | 64,159 | 50,055 | 28.18% |
| Agriculture Advances | 34,954 | 28,033 | 24.69% |
| MSME Advances | 44,806 | 36,262 | 23.56% |
Capital Adequacy( As on December 31st,2025)
Capital Adequacy Ratio stood at 17.43% with Tier-1 capital Ratio of 15.41% as on 31.12.2025
Asset Quality:
- Gross NPA improved to 2.41 % as on 31.12.2025 as against 2.91% as on 31.12.2024, registering an improvement of 50 bps Y-o-Y.
- Net NPA improved to 0.36 % as on 31.12.2025 as against 0.63% as on 31.12.2024, registering an improvement of 27 bps Y-o-Y.
- Provision Coverage Ratio stood at 97.32% as on 31.12.2025. Tangible PCR stood at 85.47% as on 31.12.2025.
- Slippage Ratio for the quarter ended on 31.12.2025 stood at 0.85% .
Operational Efficiency:
All figures are in ₹ Crore
| Operational Efficiency Metrics | As on 31.12.2025 | As on 31.12.2024 | YoY Improvement (%) |
|---|---|---|---|
| Business per Employee | 26.12 | 22.98 | 13.67% |
| Business per Branch | 166.32 | 149.74 | 11.07% |
Branch Network:
Total number of branches as on 31.12.2025: 3327 Domestic branches, 2 overseas branches each at Hong Kong and Singapore and 1 Representative Office in Iran.
61.25 percent of Domestic Branches are spread in Rural & Semi-Urban region, providing thrust to Financial Inclusion Programmes.
