UCO Bank Q3FY26: Net Profit Up 15.65% to ₹739 Crore, Deposits Grow 10.64%
UCO Bank reported a net profit of ₹739 Crore for Q3FY26, up 15.65% YoY. Total business grew 13.25% to ₹5,53,680 Crore. Deposits rose 10.64% to ₹3,10,086 Crore, and advances increased 16.74% to ₹2,43,594 Crore. Gross NPA improved to 2.41% and Net NPA to 0.36%.
Financial results, especially strong profit growth and improved asset quality, have a direct and significant impact on investor sentiment and the bank's valuation.
The bank reported a significant increase in net profit, strong growth in deposits and advances, and an improvement in asset quality (lower NPAs).
UCO Bank has announced its unaudited financial results for the third quarter and nine months ended December 31, 2025. The bank reported a net profit of ₹739 Crore for the quarter, marking a 15.65% year-on-year increase. Total business grew by 13.25% year-on-year to ₹5,53,680 Crore.
Deposits increased by 10.64% year-on-year to ₹3,10,086 Crore, while advances saw a significant growth of 16.74% year-on-year, reaching ₹2,43,594 Crore. The Gross NPA improved to 2.41% from 2.91% in the previous year, and Net NPA stood at 0.36% compared to 0.63% a year ago. The Provision Coverage Ratio (PCR) improved to 97.32%.
Key performance indicators show Net Interest Income (NII) growing by 11.27% year-on-year to ₹2,646 Crore. Operating profit increased by 5.93% to ₹1,680 Crore. The bank's performance against its guidance for FY 2025-26 indicates strong credit growth at 16.74% (guidance 12-14%) and deposit growth at 10.64% (guidance 10-12%). CASA domestic stood at 38.41%, exceeding the guidance of 37-38%.
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See the model portfoliosA plain-language summary of a public exchange filing by UCO Bank. Read the original for the full detail.