UCO Bank

Web: ucobank.com NSE: UCOBANK BSE: 532505 SECTOR: Financial Services - Banks

26 0(-2%)

Volume

42L as on 22, Jul

Open

High

Low

VWAP

52 Week High

52 Week Low

Viand Research Rating

Quality Score

34/100

Growth Score

24/100

Valuation Score

50/100

Momentum Score

20/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

32,666

No. of Shares

1254

P/E

25.42

P/B

1.97

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

7.75

ROCE

Profit Growth

Listing Date

09-Oct-03

Promoter Holding

90.95%

FII Holding

0.06%

DII Holding

4.3%

Price Chart

Price Performance

1 Week1%

1 Month4%

3 Months2%

6 Months8%

1 Year14%

YTD10%

Moving Average

5 Day SMA26

10 Day SMA26

20 Day SMA27

30 Day SMA27

50 Day SMA26

61 Day SMA26

80 Day SMA26

200 Day SMA28

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	27	27	27	28
Resistance 2	27	27	27	27
Resistance 1	27	27	27	27
Pivot Point	27	27	27	27
Support 1	27	27	27	27
Support 2	26	27	26	26
Support 3	26	27	26	26

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,092	745	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,27,519	1432	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,32,939	1011	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,45,596	1037	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,31,300	420	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,686	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,79,569	1220	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,01,304	1882	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,40,565	1022	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,84,339	1837	3%	0%	11%	0%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021
Promoters	(0.01) 90.95%	(0.01) 90.95%	(0.01) 90.95%	(0.01) 90.95%	(0.01) 90.95%	(-4.41) 90.95%	(0.01) 95.39%	(0.01) 95.39%	(0.01) 95.39%	(0.01) 95.39%	(0.01) 95.39%	(0.01) 95.39%	(0.01) 95.39%	(0.01) 95.39%	(0.01) 95.39%	(0.01) 95.39%	(0.01) 95.39%	(0.01) 95.39%	(0.01) 95.39%	(0.01) 95.39%
FIIs	(0.01) 0.06%	(-0.11) 0.08%	(0.01) 0.13%	(0.01) 0.13%	(-0.31) 0.13%	(0.41) 0.44%	(0.01) 0.02%	(0.01) 0.02%	(0.01) 0.03%	(0.01) 0.03%	(-0.11) 0.01%	(0.01) 0.09%	(-0.11) 0.05%	(0.11) 0.16%	(0.01) 0.05%	(0.01) 0.03%	(0.01) 0.01%	(-0.11) 0.02%	(0.01) 0.07%	(0.01) 0.09%
DIIs	(-0.11) 4.30%	(0.01) 4.39%	(-0.11) 4.42%	(-0.21) 4.52%	(-0.61) 4.74%	(4.01) 5.36%	(0.01) 1.33%	(0.01) 1.32%	(0.01) 1.32%	(0.01) 1.32%	(0.01) 1.32%	(0.01) 1.36%	(0.01) 1.35%	(0.01) 1.37%	(0.01) 1.37%	(0.01) 1.34%	(0.01) 1.32%	(0.01) 1.29%	(0.01) 1.28%	(0.01) 1.27%
Government	0.01%	0.01%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	4.68%	4.58%	4.49%	4.38%	4.17%	3.26%	3.25%	3.25%	3.26%	3.26%	3.27%	3.14%	3.20%	3.08%	3.18%	3.23%	3.28%	3.30%	3.26%	3.24%
No. of Shareholders	847,182	849,084	849,729	850,102	843,992	799,014	791,271	773,466	778,049	739,097	610,166	583,242	537,686	536,942	543,695	430,406	429,468	426,244	412,274	402,716

Quarterly Results

	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021	Jun 2021
Sales	6537	6436	6745	6220	6078	6024	5860	5552	5219	5224	4987	4627	4185	3851	3773	3919	3720	3570
Sales Growth % (YoY)	7.6%	6.8%	15.1%	12%	16.5%	15.3%	17.5%	20%	24.7%	35.6%	32.2%	18.1%	12.5%	7.9%	5.8%	-	-	-
Sales Growth % (QoQ)	1.6%	-4.6%	8.4%	2.3%	0.9%	2.8%	5.5%	6.4%	-0.1%	4.8%	7.8%	10.6%	8.7%	2.1%	-3.7%	5.3%	4.2%	-
Expenses	2392	2454	3055	2567	2355	2227	2507	2072	1924	2295	2025	1754	1766	1402	1757	1690	2218	2158
Operating Profit	141	-51	-356	-190	-54	27	-319	-84	-7	-286	-53	198	4	248	-105	73	-621	-697
OPM %	2	-1	-5	-3	-1	0	-5	-2	0	-5	-1	4	0	6	-3	2	-17	-20
Other Income	884	997	1392	1186	993	835	1125	861	647	633	960	823	780	-54	589	719	936	857
Interest	4004	4033	4046	3842	3778	3770	3672	3564	3302	3215	3015	2675	2415	2202	2120	2157	2122	2109
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	1025	946	1036	996	939	862	806	777	640	347	907	1021	784	193	484	792	316	159
Tax %	40	36	37	36	36	36	35	35	37	36	36	36	36	36	36	61	35	36
Net Profit	620	607	666	640	607	555	538	505	404	225	557	654	497	117	315	310	201	88
Net Profit Growth % (QoQ)	2.1%	-8.9%	4.1%	5.4%	9.4%	3.2%	6.5%	25%	79.6%	-59.6%	-14.8%	31.6%	324.8%	-62.9%	1.6%	54.2%	128.4%	-
Net Profit Growth % (YoY)	2.1%	9.4%	23.8%	26.7%	50.2%	146.7%	-3.4%	-22.8%	-18.7%	92.3%	76.8%	111%	147.3%	33%	-	-	-	-
TTM Net Profit	2533	2520	2468	2340	2205	2002	1672	1691	1840	1933	1825	1583	1239	943	914	599	289	0
EPS in Rs	0.49	0.48	0.53	0.54	0.51	0.46	0.45	0.42	0.34	0.19	0.47	0.55	0.42	0.1	0.26	0.26	0.17	0.07

Profit and Loss

	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014
Sales	25067	21854	17651	14981	14446	15134	14331	14020	16326	18561	19359	18230
Sales Growth %	14.7%	23.8%	17.8%	3.7%	-	5.6%	2.2%	-14.1%	-12%	-4.1%	6.2%	8.8%
Expenses	9892	8517	6729	7658	8845	11539	12753	8521	6789	10768	5849	5546
Operating Profit	-262	-416	614	-1185	-3365	-6446	-8441	-5396	-2972	-5920	-286	513
OPM %	-1	-2	3	-8	-23	-43	-59	-38	-18	-32	-1	3
Other Income	4407	3266	2508	3101	3424	2871	1514	1121	2114	1596	2004	1321
Interest	15437	13754	10307	8508	8966	10042	10019	10895	12509	13713	13797	12171
Depreciation	311	281	218	165	134	137	137	152	153	137	136	110
Profit before tax	3834	2569	2905	1750	-75	-3713	-7065	-4427	-1011	-4460	1582	1724
Tax %	36	36	36	47	-321	-34	-39	0	83	-37	28	12
Net Profit	2468	1672	1826	965	188	-2437	-4321	-4436	-1851	-2799	1138	1511
Net Profit Growth %	47.6%	-8.4%	89.2%	413.3%	107.7%	43.6%	2.6%	-139.7%	33.9%	-346%	-24.7%	-
EPS in Rs	1.97	1.4	1.53	0.81	0.19	-2.46	-7.97	-19.22	-11.87	-26.03	10.58	14.89
Dividend Payout %	20	20	0	0	0	0	0	0	0	0	19	20

Cash Flows

	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014
Cash from Operating Activity	1913	1002	2983	4399	2422	-10658	4190	-9082	-3852	-2978	7861	3574
Cash from Investing Activity	-680	-275	-67	-214	106	-250	44	-24	-217	-52	-151	-135
Cash from Financing Activity	5870	-430	-336	-1637	3266	4283	5450	5754	3609	-579	-553	-771
Net Cash Flow	7102	297	2580	2548	5794	-6626	9684	-3352	-459	-3610	7157	2668

Balance Sheet

	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014
Equity Capital	12540	12540	11956	11956	11956	11956	9918	9918	5423	2308	1560	1076	1076	1015
Reserves	19925	18345	16056	15258	13648	11513	12598	9291	11968	12649	11194	11446	11473	10212
Borrowings	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	9840	9247	7158	7873	5260	6609	9428	7800	6863	6800	7767	8002	8779	7647
Total Liabilities	369475	362361	332674	323548	300702	267659	253246	235908	230484	216056	231340	244883	245917	239125
Fixed Assets	3927	3791	3825	3717	3444	3287	3151	2832	2814	2867	2843	2878	1066	1018
CWIP	0	61	0	65	65	48	67	8	8	8	6	6	48	43
Investments	97765	94153	93557	92761	95009	96749	93693	90999	82232	70962	74019	83974	64223	67452
Other Assets	267784	264357	235292	227006	202184	167575	156335	142069	145430	142219	154471	158024	180580	170611
Total Assets	369475	362361	332674	323548	300702	267659	253246	235908	230484	216056	231340	244883	245917	239125

Delivery

#	Date	24 24% 30	Value (Cr)	Q/T 558	Del 31	Del 27
1	22-Jul	27	11	380	41	5
2	21-Jul	27	14	293	40	6
3	20-Jul	27	16	416	37	6
4	17-Jul	26	7	322	36	2
5	16-Jul	26	8	258	34	3
6	15-Jul	26	17	356	18	3
7	14-Jul	26	11	362	40	4
8	13-Jul	26	14	370	33	5
9	10-Jul	27	27	493	19	5
10	9-Jul	26	9	256	37	3
11	8-Jul	26	17	304	23	4
12	7-Jul	26	8	274	38	3
13	6-Jul	27	8	269	52	4
14	3-Jul	27	19	409	33	6
15	2-Jul	27	17	426	28	5
16	1-Jul	27	9	313	48	4
17	30-Jun	27	11	342	39	4
18	29-Jun	27	20	352	32	6
19	25-Jun	27	16	497	37	6
20	24-Jun	27	20	423	23	5
21	23-Jun	27	19	395	45	8
22	22-Jun	28	23	439	31	7
23	19-Jun	28	28	503	30	8
24	18-Jun	28	52	492	30	16
25	17-Jun	28	452	904	11	51
26	16-Jun	26	10	348	35	3
27	15-Jun	26	15	372	48	7
28	12-Jun	26	15	462	47	7
29	11-Jun	25	12	353	44	5
30	10-Jun	26	21	394	38	8
31	9-Jun	26	23	458	50	12
32	8-Jun	25	10	275	34	4
33	5-Jun	25	12	353	39	5
34	4-Jun	25	5	212	42	2
35	3-Jun	25	10	361	28	3
36	2-Jun	25	11	331	38	4
37	1-Jun	25	9	269	45	4
38	29-May	25	9	295	44	4
39	27-May	26	10	365	37	4
40	26-May	25	9	352	45	4
41	25-May	26	13	377	45	6
42	22-May	25	6	293	35	2
43	21-May	25	10	376	37	4
44	20-May	25	9	342	47	4
45	19-May	25	11	361	42	5
46	18-May	25	11	340	43	5
47	15-May	25	7	293	51	4
48	14-May	25	13	397	28	4

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	32,666c	627c	1.88
22-Jul	33,293c	414c	1.23
21-Jul	33,706c	978c	2.99
17-Jul	32,728c	38c	0.11
16-Jul	32,766c	339c	1.02
15-Jul	33,104c	314c	0.96
14-Jul	32,791c	502c	1.51
13-Jul	33,293c	38c	0.11
10-Jul	33,255c	514c	1.57
09-Jul	32,741c	138c	0.42
08-Jul	32,603c	640c	1.92
07-Jul	33,242c	176c	0.53
06-Jul	33,418c	803c	2.35
02-Jul	34,221c	113c	0.33
30-Jun	34,108c	376c	1.12
29-Jun	33,731c	351c	1.03
26-Jun	34,083c	25c	0.07
25-Jun	34,057c	138c	0.41
24-Jun	33,920c	151c	0.45
23-Jun	33,769c	740c	2.14
22-Jun	34,509c	188c	0.54
19-Jun	34,697c	314c	0.90
18-Jun	35,010c	351c	0.99
17-Jun	35,362c	2,332c	7.06
16-Jun	33,029c	176c	0.53
15-Jun	32,854c	251c	0.77
12-Jun	32,603c	702c	2.20
11-Jun	31,901c	765c	2.34
10-Jun	32,666c	0	0

Stock Checklist

Price is below from 52 week high low average: 36%

Stock is trading above all short term SMAs: NO

Stock is trading above all long term SMAs: NO

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: NO

Promoters are buying the stock: NO

Mutual Fund Holdings

Held by 83 fund scheme(s) across 20 fund house(s) as of Jul26 · Total value ₹6,091 Cr · 2 increasing / 0 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
Nippon India Mutual Fund	9	1.79%	-	4427.1
SBI Mutual Fund	8	110.60%	-	707.9
UTI Mutual Fund	3	0.29%	-	299
Sundaram Mutual Fund	2	2.15%	+2.15%	296.2
Union Mutual Fund	4	3.52%	-	295
LIC Mutual Fund	2	0.44%	-	48
Motilal Oswal Mutual Fund	8	0.30%	-	9.4
HDFC Mutual Fund	6	0.07%	-0.01%	2.5
ICICI Prudential Mutual Fund	4	0.08%	-0.01%	2.1
Jio BlackRock Mutual Fund	2	0.10%	-	1.7
Groww Mutual Fund	6	4.29%	-	0.6
Edelweiss Mutual Fund	2	0.15%	-	0.5
Kotak Mahindra Mutual Fund	4	0.25%	-	0.4
Bandhan Mutual Fund	4	0.09%	-	0.3
Axis Mutual Fund	2	0.02%	-	0.1
DSP Mutual Fund	6	0.05%	-	0
Navi Mutual Fund	4	0.05%	-	0
Angel One Mutual Fund	2	0.01%	-	0
Mirae Asset Mutual Fund	4	0.01%	-	0
Zerodha Mutual Fund	1	0.07%	-0.01%	0

UCO Bank

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