UCO Bank declared its Q4 and full-year results for FY 2025–26, recording a net profit of ?2,768 crore for the year and ?801 crore for the quarter, backed by robust business growth, declining NPAs, and digital expansion.
NEW DELHI – UCO Bank, a public sector bank, has declared its financial results for the fourth quarter (January–March 2026) of FY 2025–26, reporting a strong performance across business volumes, asset quality, and profitability. Managing Director Ashwani Kumar described the bank’s quarterly performance as magnificent, noting a net profit of ?801 crore in Q4 FY 2025–26, compared to ?653 crore in the same quarter of the previous financial year.
The bank’s total business grew year-on-year by 14.95% to ?5,90,314 crore. Gross advances rose 19.44% year-on-year to ?2,62,752 crore, while gross deposits grew 11.59% to ?3,27,563 crore. The Retail, MSME, and Agriculture (RAM) portfolio expanded significantly by 24.23% year-on-year to ?1,52,324 crore. Within this segment, Retail Loans grew by 26.62%, Agricultural Loans by 26.24%, and MSME Loans by 19.36%.
The bank’s Housing Loan portfolio recorded a growth rate of 19.11%, while Vehicle Loans registered an impressive 71.12% growth. Business per employee during the quarter rose to ?28.08 crore. The Capital to Risk-Weighted Assets Ratio (CRAR) stood at a healthy 18.61%.
? Another Successful Year – FY 2025–26
— UCO Bank (@UCOBankOfficial) April 25, 2026
UCO Bank delivers a strong performance in FY 2025–26, setting new benchmarks in growth, profitability, and asset quality. ??
?? Operating Profit: ?6,429 Cr. (↑6.49% Y-Y)
?? Net Profit (Q4): ?801.15 Cr. (↑22.66% Y-Y)
?? Net Profit… pic.twitter.com/uglc4u4Xfe
For the full financial year ended March 31, 2026, UCO Bank’s operating profit stood at ?6,429 crore, reflecting a year-on-year growth of 6.49%. Net profit for the year grew 13.21% year-on-year to ?2,768 crore. Net Interest Income increased 5.89% year-on-year to ?10,197 crore, and the bank’s Return on Assets (ROA) stood at 0.79%.
Asset quality improved considerably during the quarter. Gross NPA declined year-on-year by 52 basis points to 2.17%, while Net NPA fell by 23 basis points to 0.27%, reflecting sustained recovery and credit discipline.
UCO Bank received several recognitions during FY 2025–26. For its Project Parivartan initiative, the bank was honoured with the SKOCH Award in the Gold category under BFSI. At the IBEX India BFSI Tech Awards 2026, it received the Silver Award in the Digital CX Trailblazer category. The bank also won the Second Prize in Region ‘C’ for Best Official Language Implementation.
On the digital front, the bank’s mobile banking application carries a user rating of 4.8. UCO Bank has so far implemented 30 digital journeys, with 10 more to be added shortly, as it works towards providing 100% digital customer service.
The bank currently operates 3,412 domestic branches and two overseas branches, located in Hong Kong and Singapore, along with a representative office in Iran. Of the total domestic branches, 61% are located in rural and semi-urban areas, supporting the Government of India’s financial inclusion programmes.
