UCO Bank Q2 FY27 Results Explained
In Q2 FY27 (July–September 2026), UCO Bank reported a net profit of ₹786 crore, up 26.8% from a year earlier. Gross NPA was 1.96% of loans (#8 of 12 PSU banks, lowest first), CASA ratio 36.8%, net interest margin 3.00% and capital adequacy 18.85%. On BankersClub's PSU Bank Scorecard it ranks #6 of 12 overall this quarter.
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UCO report card, Q2 FY27
Graded against the other 11 public sector banks this quarter.
Key numbers
| Measure | Q2 FY27 | Change vs Q2 FY26 | Rank of 12 | PSU median |
|---|---|---|---|---|
| Business growth (YoY) | 18.8% | – | #5 | 16.6% |
| CASA ratio | 36.8% | down 134 bps | #6 | 36.8% |
| Net interest margin | 3.00% | up 10 bps | #5 | 2.97% |
| Cost-to-income | 50.4% | down 240 bps | #9 | 47.9% |
| Return on assets | 0.80% | up 9 bps | #12 | 1.12% |
| Gross NPA | 1.96% | down 60 bps | #8 | 1.69% |
| Net NPA | 0.18% | down 25 bps | #4 | 0.30% |
| Provision coverage (excl. TWO) | 90.9% | up 721 bps | #2 | 82.9% |
| Capital adequacy (CRAR) | 18.85% | up 96 bps | #1 | 17.73% |
| Credit cost | 1.12% | up 10 bps | #11 | 0.55% |
| Business per employee | ₹28.1 crore | – | #9 | ₹34.4 crore |
| Profit per employee | ₹15.0 lakh | – | #11 | ₹25.3 lakh |
Size of the bank
| Figure | Q2 FY27 | Change vs Q2 FY26 | Rank of 12 |
|---|---|---|---|
| Total business | ₹6.37 lakh crore | up 18.8% | #11 |
| Deposits | ₹3.50 lakh crore | up 14.4% | #11 |
| Advances | ₹2.88 lakh crore | up 24.7% | #11 |
| Gross NPA amount | ₹5,632 crore | down 4.5% | #4 |
| Operating profit | ₹1,872 crore | up 16.1% | #11 |
| Net profit | ₹786 crore | up 26.8% | #11 |
The quarter at a glance
What went right
- Net NPA down 25 bps from a year ago to 0.18%, now #4 of 12.
- Gross NPA down 60 bps from a year ago to 1.96%, now #8 of 12.
- Provision coverage (excl. TWO) up 721 bps from a year ago to 90.9%, now #2 of 12.
What went wrong
- CASA ratio down 134 bps from a year ago to 36.8%, now #6 of 12.
- Credit cost up 10 bps from a year ago to 1.12%, now #11 of 12.
Loan book and deposits
Bar = share of advances or deposits. Growth is against Q2 FY26. Advances are domestic; shares are of the sum of segments. Banks report segments slightly differently; see the methodology.
Quarter by quarter
| Measure | Q2 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|
| Net profit | ₹620 crore | ₹656 crore | ₹786 crore |
| Operating profit | ₹1,613 crore | ₹2,810 crore | ₹1,872 crore |
| Gross NPA | 2.56% | 2.08% | 1.96% |
| Net NPA | 0.43% | 0.25% | 0.18% |
| Net interest margin | 2.90% | 3.05% | 3.00% |
| Return on assets | 0.71% | 0.68% | 0.80% |
| CASA ratio | 38.1% | 36.9% | 36.8% |
| Capital adequacy (CRAR) | 17.89% | 19.03% | 18.85% |
| Cost-to-income | 52.8% | 37.5% | 50.4% |
Compare with similar-sized banks
- Bank of Maharashtra (#1 overall)
- Indian Overseas Bank (#2 overall)
- Central Bank of India (#8 overall)
- Punjab & Sind Bank (#12 overall)
Source and method
Standalone figures from UCO Bank’s own Q2 FY27 filing (UCO Bank analyst presentation Q2 FY27 (NSE)), checked against the bank’s reported ratios. Ratios are recalculated the same way for all 12 banks where the filing allows. How the scorecard works. Not investment advice.
Last updated 12 November 2026.
Frequently asked questions
What was UCO Bank's net profit in Q2 FY27?
UCO Bank reported a standalone net profit of ₹786 crore in Q2 FY27 (July–September 2026), up 26.8% from Q2 FY26.
What is UCO Bank's gross NPA ratio?
Gross NPA was 1.96% of loans at the end of Q2 FY27, ranking #8 of 12 public sector banks (lowest first). Net NPA was 0.18%.
How does UCO Bank rank among public sector banks?
On BankersClub's PSU Bank Scorecard, UCO Bank ranks #6 of 12 overall in Q2 FY27, based on growth, return on assets, gross NPA, capital adequacy, CASA ratio and cost-to-income.
What is UCO Bank's CASA ratio?
UCO Bank's CASA ratio was 36.8% in Q2 FY27, #6 of 12 public sector banks.
Where does this data come from?
From UCO Bank's own Q2 FY27 results filing, using standalone figures. Every ratio is recalculated the same way for all 12 public sector banks where the filing allows.