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NSE Close — 25 Sep 2026
₹23.9
Change
+0.16 (0.67%)
Open
₹23.74
Prev. Close
₹23.74
Day High
₹23.95
Day Low
₹23.55
Volume Analysis
Traded
2,615,016
Delivered
1,182,876
Delivery %
45.23%
End-of-day NSE price via the official Bhavcopy — updated once daily after market close, not a live tick.
Strengths, Weaknesses, Opportunities & Threats
Strengths (0)
No signal for this stock
Weaknesses (2)
- •Low return on equity (8.5%)
- •Promoter holding is falling
Opportunities (1)
- •Strong 3-year EPS growth (34.5%)
Threats (0)
No signal for this stock
Rule-based signals from the fundamentals below — not investment advice.
Pivot Levels
| Type | R3 | R2 | R1 | Pivot | S1 | S2 | S3 |
|---|---|---|---|---|---|---|---|
| Classic | ₹24.45 | ₹24.2 | ₹24.05 | ₹23.8 | ₹23.65 | ₹23.4 | ₹23.25 |
| Fibonacci | ₹24.2 | ₹24.05 | ₹23.95 | ₹23.8 | ₹23.65 | ₹23.55 | ₹23.4 |
| Camarilla | ₹24.01 | ₹23.97 | ₹23.94 | ₹23.8 | ₹23.86 | ₹23.83 | ₹23.79 |
Support/resistance levels for today, calculated from the previous trading day's high/low/close.
Absolute Returns
YTD
-19.07%
1 Week
+1.19%
1 Month
-6.2%
3 Months
-11.45%
6 Months
+0.93%
1 Year
-18.82%
2Y/3Y/5Y not shown yet — price history tracking only goes back to mid-2025 so far.
Stock Vitals
Computed from the latest available annual financials.
Graham Number
₹33.02
Current price is at or below the Graham Number — Benjamin Graham's estimate of fair value based on earnings and book value.
Company Overview
Sector
Financial Services
Market Cap
₹29,970 Cr
P/E (TTM)
12.1
ROE
8.5%
Book Value
₹24.6
Face Value
₹10.0
Source: Screener.in (Consolidated figures) — data as of 27 Sep 2026. Not investment advice.
TopFund Analysis
UCO Bank lands in the middle of the pack on TopFund's composite fundamentals check within the Financial Services sector, at 56/100. The strongest factor is Growth (100/100), while Momentum (14/100) is the weakest area to weigh before deciding. Notably: Low return on equity (8.5%); promoter holding is falling. Strong 3-year EPS growth (34.5%).
TopFund Score — Fundamentals Quality
56/100 — AverageData confidence: 72/100 (Moderate Confidence) — based on how complete and how fresh the underlying data is.
As of 27 Sep 2026 · How we calculate this →
Growth
Valuation
Cash Flow
Corporate Governance
Momentum
Institutional Ownership
Business Quality
Risk & Volatility
Liquidity
From Screener.in
- +Stock is trading at 0.97 times its book value
- −Company has low interest coverage ratio.
- −Company has a low return on equity of 7.46% over last 3 years.
- −Contingent liabilities of Rs.1,36,430 Cr.
- −Company might be capitalizing the interest cost
Not investment advice — an automated read of public fundamentals data, for research context only.
Corporate Actions
Govt extends ED Vijaykumar Kamble’s tenure to 31 Mar 2027 or until further orders.
UFBU served strike notice for 11 September, 28-30 September and from 26 October 2026.
UCO Bank revised select benchmark rates from 07.09.2026; MCLR unchanged, TBLR and G-Sec-linked rates updated.
Rajendra Kumar Saboo's additional MD&CEO charge extended three months till 30 November 2026.
Source: BSE regulatory filings, via Screener.in.
Quarterly Results
Last several quarters
| Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 3,773 | 3,851 | 4,185 | 4,627 | 4,987 | 5,224 | 5,219 | 5,552 | 5,860 | 6,024 | 6,078 | 6,220 | 6,745 |
| Expenses + | 1,757 | 1,402 | 1,766 | 1,754 | 2,025 | 2,295 | 1,924 | 2,072 | 2,507 | 2,227 | 2,355 | 2,567 | 3,055 |
| Financing Profit | -105 | 248 | 4 | 198 | -53 | -286 | -7 | -84 | -319 | 27 | -54 | -190 | -356 |
| Financing Margin % | -3.0% | 6.0% | 0.0% | 4.0% | -1.0% | -5.0% | 0.0% | -2.0% | -5.0% | 0.0% | -1.0% | -3.0% | -5.0% |
| Other Income + | 589 | -54 | 780 | 823 | 960 | 633 | 647 | 861 | 1,125 | 835 | 993 | 1,186 | 1,392 |
| Interest | 2,120 | 2,202 | 2,415 | 2,675 | 3,015 | 3,215 | 3,302 | 3,564 | 3,672 | 3,770 | 3,778 | 3,842 | 4,046 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 484 | 193 | 784 | 1,021 | 907 | 347 | 640 | 777 | 806 | 862 | 939 | 996 | 1,036 |
| Tax % | 36.0% | 36.0% | 36.0% | 36.0% | 36.0% | 36.0% | 37.0% | 35.0% | 35.0% | 36.0% | 36.0% | 36.0% | 37.0% |
| Net Profit + | 315 | 117 | 497 | 654 | 557 | 225 | 404 | 505 | 538 | 555 | 607 | 640 | 666 |
| EPS in Rs | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
| Raw PDF | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net NPA % | 2.7% | 2.49% | 1.99% | 1.66% | 1.29% | 1.18% | 1.11% | 0.98% | 0.89% | 0.78% | 0.73% | 0.63% | 0.5% |
| Gross NPA % | 7.89% | 7.42% | 6.58% | 5.63% | 4.78% | 4.48% | 4.14% | 3.85% | 3.46% | 3.32% | 3.18% | 2.91% | 2.69% |
Source: Screener.in — figures in ₹ Crores unless marked %.
Profit & Loss (Yearly)
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| Revenue + | 14,446 | 14,981 | 17,651 | 21,854 | 25,067 |
| Expenses + | 8,845 | 7,658 | 6,729 | 8,517 | 9,892 |
| Financing Profit | -3,365 | -1,185 | 614 | -416 | -262 |
| Financing Margin % | -23.0% | -8.0% | 3.0% | -2.0% | -1.0% |
| Other Income + | 3,424 | 3,101 | 2,508 | 3,266 | 4,407 |
| Interest | 8,966 | 8,508 | 10,307 | 13,754 | 15,437 |
| Depreciation | 134 | 165 | 218 | 281 | 311 |
| Profit before tax | -75 | 1,750 | 2,905 | 2,569 | 3,834 |
| Tax % | -321.0% | 47.0% | 36.0% | 36.0% | 36.0% |
| Net Profit + | 188 | 965 | 1,826 | 1,672 | 2,468 |
| EPS in Rs | 0 | 1 | 2 | 1 | 2 |
| Dividend Payout % | 0.0% | 0.0% | 0.0% | 20.0% | 20.0% |
Source: Screener.in — figures in ₹ Crores unless marked %.
Balance Sheet
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| Reserves | 12,598 | 11,513 | 13,648 | 15,258 | 18,345 |
| Other Liabilities + | 9,428 | 6,609 | 5,260 | 7,873 | 9,247 |
| Total Liabilities | 253,246 | 267,659 | 300,702 | 323,548 | 362,361 |
| Fixed Assets + | 3,151 | 3,287 | 3,444 | 3,717 | 3,791 |
| CWIP | 67 | 48 | 65 | 65 | 61 |
| Investments | 93,693 | 96,749 | 95,009 | 92,761 | 94,153 |
| Other Assets + | 156,335 | 167,575 | 202,184 | 227,006 | 264,357 |
| Total Assets | 253,246 | 267,659 | 300,702 | 323,548 | 362,361 |
| Deposits | 205,919 | 224,073 | 249,338 | 263,130 | 293,542 |
| Borrowing | 15,383 | 13,508 | 20,501 | 25,331 | 28,687 |
| Equity Capital | 9,918 | 11,956 | 11,956 | 11,956 | 12,540 |
Source: Screener.in — figures in ₹ Crores unless marked %.
Cash Flow
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| Cash from Operating Activity + | 2,422 | 4,399 | 2,983 | 1,002 | 1,913 |
| Cash from Investing Activity + | 106 | -214 | -67 | -275 | -680 |
| Cash from Financing Activity + | 3,266 | -1,637 | -336 | -430 | 5,870 |
| Net Cash Flow | 5,794 | 2,548 | 2,580 | 297 | 7,102 |
| CFO/OP | 43 | 60 | 27 | 8 | 13 |
| Free Cash Flow | 2,258 | 4,189 | 2,701 | 703 | 1,576 |
Source: Screener.in — figures in ₹ Crores unless marked %.
Shareholding Pattern
Quarter-by-quarter — Promoters, FII, DII & public holding trend
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Public | 3.14% | 3.27% | 3.26% | 3.26% | 3.25% | 3.25% | 3.26% | 4.17% | 4.38% | 4.49% | 4.58% | 4.68% |
| Promoters | 95.39% | 95.39% | 95.39% | 95.39% | 95.39% | 95.39% | 90.95% | 90.95% | 90.95% | 90.95% | 90.95% | 90.95% |
| Government | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.01% | 0.01% | 0.01% |
| FII | 0.09% | 0.01% | 0.03% | 0.03% | 0.02% | 0.02% | 0.44% | 0.13% | 0.13% | 0.13% | 0.08% | 0.06% |
| DII | 1.36% | 1.32% | 1.32% | 1.32% | 1.32% | 1.33% | 5.36% | 4.74% | 4.52% | 4.42% | 4.39% | 4.3% |
Source: Screener.in — quarterly shareholding disclosures.
Peers Comparison
Financial Services — ranked by market cap
| Company | Market Cap (Cr) | P/E | P/B | ROE |
|---|---|---|---|---|
| UCO Bank (this stock) | 29,970 | 12.1 | 0.97 | 8.5% |
| Adit Birl Sun Lif Amc Ltd | 29,638 | 29.4 | 7.31 | 25.2% |
| The New India Assu Co Ltd | 29,104 | 37.8 | 1.02 | 4.92% |
| Indian Renewable Energy | 30,932 | 15.7 | 2.24 | 15.6% |
| Nuvama Wealth Manage Ltd | 31,024 | 28.6 | 7.44 | 27.4% |
| LIC Housing Finance Ltd | 31,131 | 5.42 | 0.75 | 14.4% |
| Central Bank Of India | 28,621 | 6.26 | 0.7 | 11.9% |
Which Mutual Funds Hold UCO Bank?
Frequently Asked Questions about UCO Bank
UCO Bank (UCOBANK) closed at ₹23.9 on NSE on 25 September 2026, up 0.16 (0.67%) from the previous close.
UCO Bank trades on the NSE (National Stock Exchange of India) under the symbol UCOBANK.
UCO Bank has a trailing twelve-month P/E (price-to-earnings) ratio of 12.1.
UCO Bank has a dividend yield of 1.84%.
UCO Bank's 52-week high is ₹34.2 and its 52-week low is ₹22.2.
UCO Bank has a market capitalisation of ₹29,970 crore.
UCO Bank has a TopFund Quality Score of 56/100 (Average), a composite of profitability, balance-sheet health, growth and valuation. This is an analytical score based on public data, not personalized investment advice — see the full breakdown below before deciding.
Community Sentiment
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