UCO Bank Q2 FY27: PAT ₹656 Cr & Rev ₹6.05 L Cr

Metric	Value
Revenue	₹6.05 L Cr
Net Profit (PAT)	₹656 Cr

📢 Key Event
UCO Bank reported Q1 FY27 results showing strong business growth, improved profitability, and asset quality enhancement

🔄 What Changed
Operating profit grew 79.8% YoY to ₹2,810 crores; Net profit grew 8% YoY to ₹656 crores; GNPA improved to 2.08% and Net NPA to 0.25%

🔮 What's Next
12 to 14% credit growth guidance; NIM guidance of 2.8 to 2.9%; Cost-to-income ratio target below 50% post-normalization

💡 Investor Takeaway
The bank is successfully expanding high-yielding retail and MSME loans while improving profitability and asset quality

UCO Bank reported a 15.53% YoY business growth to ₹6,05,000 crores in Q1 FY27, driven by 21.18% advances growth to ₹2,72,768 crores and 11.28% deposit growth to ₹3,32,315 crores, with CASA ratio at 36.94%. Operating profit surged 79.8% YoY to ₹2,810 crores, while net profit rose 8% to ₹656 crores, supported by improved asset quality (GNPA 2.08%, Net NPA 0.25%). Key growth engines include RAM sector (64.52% of advances) with 25.27% growth, home loans (20% YoY), and vehicle loans (65% YoY). Management maintained 12-14% credit growth guidance despite 20-21% observed growth, targeting NIM of 2.8-2.9% and cost-to-income ratio below 50% post-normalization, with digital transformation accelerating via Project Parivartan 2.0 and ULI integration.

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About UCO Bank (UCOBANK)

Financial Services · Banks · Listed on NSE

Market Cap: ₹30,069.86 Cr P/E: 11.6 ROE: 7.9% ROCE: 32.4% Div Yield: 1.63%

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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