# UCO Bank

> Public sector banks. Figures from the lender's own filings, each checked against the page it came from.

Page: https://creditbrief.in/lenders/uco

## Loan book

- ₹2.63 lakh crore on 31 March 2026, the end of FY2025-26 (Global gross advances).
- ₹2.88 lakh crore on 30 Sep 2026, the latest half-year balance.
- Source: UCO Bank Presentation on Financial Results Q4 FY26, PDF page 7: https://nsearchives.nseindia.com/corporate/UCOBANK_25042026201129_NSEBSEPPTFINAL.pdf

## Findings

- Grew 19% a year from March 2022 to March 2026, faster than 22 of the 29 other banks with like-for-like figures for those years.
- Growth held steady at 19% in FY2025-26, from 18% the year before.
- Held its place as the 19th biggest of these 33 banks from March 2022 to March 2026.

## What it lends against (30 Sep 2026)

- Corporate: ₹87,962 crore (30.6%)
- MSME: ₹50,905 crore (17.7%)
- Agriculture: ₹41,014 crore (14.3%)
- Home Loan: ₹36,369 crore (12.6%)
- Overseas: ₹30,992 crore (10.8%)
- Others (retail): ₹19,958 crore (6.9%)
- Vehicle Loan: ₹9,737 crore (3.4%)
- Pool: ₹8,157 crore (2.8%)
- Personal Loan: ₹2,596 crore (0.9%)

Source: UCO Bank Analyst Presentation Q2 FY27 (15 Oct 2026), PDF page 34: https://nsearchives.nseindia.com/corporate/UCOBANK_15102026142250_AnalystPPT.pdf

## Figures by period

| Measure | FY2021-22 (31 Mar 2022) | FY2022-23 (31 Mar 2023) | FY2023-24 (31 Mar 2024) | FY2024-25 (31 Mar 2025) | FY2025-26 (31 Mar 2026) | 30 Sep 2026 |
|---|---|---|---|---|---|---|
| Loan book (₹ crore) | 1,29,777 | 1,61,629 | 1,86,877 | 2,19,985 | 2,62,752 | 2,87,690 |
| Retail, agriculture and MSME loans (₹ crore) | 72,570 | 85,629 | 97,516 | 1,22,613 | 1,52,324 | 1,68,736 |
| Corporate and wholesale loans (₹ crore) |  | 53,803 | 64,756 | 72,861 | 82,060 | 87,962 |
| Deposits (₹ crore) | 2,24,073 | 2,49,338 | 2,63,130 | 2,93,542 | 3,27,563 | 3,49,590 |
| CASA ratio (%) | 40.26 | 37.82 | 39.25 | 37.91 | 38.65 | 36.77 |
| Branches (Number) | 3,072 | 3,205 | 3,230 | 3,302 | 3,412 | 3,439 |
| Mobile app users (Million) | 5.7 | 8.2 | 10.6 |  |  |  |

### Sources for each figure

- Loan book, FY2021-22 (31 Mar 2022): "Global Advances (Gross ) 129777 151059 161629" (UCO Bank Investor Presentation Q4 FY23, PDF page 12) https://nsearchives.nseindia.com/corporate/UCOBANK_03052023095900_ppt.pdf
- Loan book, FY2022-23 (31 Mar 2023): "Global Advances 161629 179195 186877 4.29 15.62" (UCO Bank Presentation on Audited Financial Results Q4 FY24, PDF page 5) https://nsearchives.nseindia.com/corporate/UCOBANK_29042024204332_NSEBSEPPT31032024.pdf
- Loan book, FY2023-24 (31 Mar 2024): "Global Advances 161629 179195 186877 4.29 15.62" (UCO Bank Presentation on Audited Financial Results Q4 FY24, PDF page 5) https://nsearchives.nseindia.com/corporate/UCOBANK_29042024204332_NSEBSEPPT31032024.pdf
- Loan book, FY2024-25 (31 Mar 2025): "Global Advances 219985 243594 262752 7.86 19.44" (UCO Bank Presentation on Financial Results Q4 FY26, PDF page 7) https://nsearchives.nseindia.com/corporate/UCOBANK_25042026201129_NSEBSEPPTFINAL.pdf
- Loan book, FY2025-26 (31 Mar 2026): "Global Advances 219985 243594 262752 7.86 19.44" (UCO Bank Presentation on Financial Results Q4 FY26, PDF page 7) https://nsearchives.nseindia.com/corporate/UCOBANK_25042026201129_NSEBSEPPTFINAL.pdf
- Loan book, 30 Sep 2026: "7 Total 230702 5895 2.56 272768 5667 2.08 287690" (UCO Bank Analyst Presentation Q2 FY27 (15 Oct 2026), PDF page 34) https://nsearchives.nseindia.com/corporate/UCOBANK_15102026142250_AnalystPPT.pdf
- Retail, agriculture and MSME loans, FY2021-22 (31 Mar 2022): "Total RAM 72570 79627 85629" (UCO Bank Investor Presentation FY 2022-23, 3 May 2023, PDF page 14) https://nsearchives.nseindia.com/corporate/UCOBANK_03052023095900_ppt.pdf
- Retail, agriculture and MSME loans, FY2022-23 (31 Mar 2023): "Total RAM 72570 79627 85629" (UCO Bank Investor Presentation FY 2022-23, 3 May 2023, PDF page 14) https://nsearchives.nseindia.com/corporate/UCOBANK_03052023095900_ppt.pdf
- Retail, agriculture and MSME loans, FY2023-24 (31 Mar 2024): "Total RAM (a+b+c) 85629 93720 97516" (UCO Bank Presentation on Audited Financial Results 31.03.2024, 29 April 2024, PDF page 7) https://nsearchives.nseindia.com/corporate/UCOBANK_29042024204332_NSEBSEPPT31032024.pdf
- Retail, agriculture and MSME loans, FY2024-25 (31 Mar 2025): "2. Total RAM (a+b+c) 97516 114350 122613" (UCO Bank Presentation on Financial Results 31.03.2025, 28 April 2025, PDF page 9) https://nsearchives.nseindia.com/corporate/UCOBANK_28042025160020_PPT.pdf
- Retail, agriculture and MSME loans, FY2025-26 (31 Mar 2026): "2. Total RAM (a+b+c) 122613 143919 152324" (UCO Bank Presentation on Financial Results Q4 FY26, 25 April 2026, PDF page 9) https://nsearchives.nseindia.com/corporate/UCOBANK_25042026201129_NSEBSEPPTFINAL.pdf
- Retail, agriculture and MSME loans, 30 Sep 2026: "2. Total RAM (a+b+c) 132946 157745 168736" (UCO Bank Presentation on Reviewed Financial Results Q2 FY27, 15 October 2026, PDF page 9) https://nsearchives.nseindia.com/corporate/UCOBANK_15102026142250_AnalystPPT.pdf
- Corporate and wholesale loans, FY2022-23 (31 Mar 2023): "d) Corporate 53803 60484 64756" (UCO Bank Presentation on Audited Financial Results 31.03.2024, 29 April 2024, PDF page 7) https://nsearchives.nseindia.com/corporate/UCOBANK_29042024204332_NSEBSEPPT31032024.pdf
- Corporate and wholesale loans, FY2023-24 (31 Mar 2024): "d) Corporate 53803 60484 64756" (UCO Bank Presentation on Audited Financial Results 31.03.2024, 29 April 2024, PDF page 7) https://nsearchives.nseindia.com/corporate/UCOBANK_29042024204332_NSEBSEPPT31032024.pdf
- Corporate and wholesale loans, FY2024-25 (31 Mar 2025): "d) Corporate 64756 69010 72861" (UCO Bank Presentation on Financial Results 31.03.2025, 28 April 2025, PDF page 9) https://nsearchives.nseindia.com/corporate/UCOBANK_28042025160020_PPT.pdf
- Corporate and wholesale loans, FY2025-26 (31 Mar 2026): "d) Corporate 72861 71325 82060" (UCO Bank Presentation on Financial Results Q4 FY26, 25 April 2026, PDF page 9) https://nsearchives.nseindia.com/corporate/UCOBANK_25042026201129_NSEBSEPPTFINAL.pdf
- Corporate and wholesale loans, 30 Sep 2026: "d) Corporates & Others 70851 86742 87962" (UCO Bank Presentation on Reviewed Financial Results Q2 FY27, 15 October 2026, PDF page 9) https://nsearchives.nseindia.com/corporate/UCOBANK_15102026142250_AnalystPPT.pdf
- Deposits, FY2021-22 (31 Mar 2022): "Global Deposits 224073 243170 249338" (UCO Bank Investor Presentation FY 2022-23, 3 May 2023, PDF page 13) https://nsearchives.nseindia.com/corporate/UCOBANK_03052023095900_ppt.pdf
- Deposits, FY2022-23 (31 Mar 2023): "Global Deposits 224073 243170 249338" (UCO Bank Investor Presentation FY 2022-23, 3 May 2023, PDF page 13) https://nsearchives.nseindia.com/corporate/UCOBANK_03052023095900_ppt.pdf
- Deposits, FY2023-24 (31 Mar 2024): "3. Global Deposits (1+2) 249338 256261 263130" (UCO Bank Presentation on Audited Financial Results 31.03.2024, 29 April 2024, PDF page 6) https://nsearchives.nseindia.com/corporate/UCOBANK_29042024204332_NSEBSEPPT31032024.pdf
- Deposits, FY2024-25 (31 Mar 2025): "3. Global Deposits (1+2) 263130 280256 293542" (UCO Bank Presentation on Financial Results 31.03.2025, 28 April 2025, PDF page 8) https://nsearchives.nseindia.com/corporate/UCOBANK_28042025160020_PPT.pdf
- Deposits, FY2025-26 (31 Mar 2026): "3. Global Deposits (1+2) 293542 310086 327563" (UCO Bank Presentation on Financial Results Q4 FY26, 25 April 2026, PDF page 8) https://nsearchives.nseindia.com/corporate/UCOBANK_25042026201129_NSEBSEPPTFINAL.pdf
- Deposits, 30 Sep 2026: "3. Global Deposits (1+2) 305697 332315 349590" (UCO Bank Presentation on Reviewed Financial Results Q2 FY27, 15 October 2026, PDF page 8) https://nsearchives.nseindia.com/corporate/UCOBANK_15102026142250_AnalystPPT.pdf
- CASA ratio, FY2021-22 (31 Mar 2022): "CASA Domestic (%) 40.26 37.94 37.82" (UCO Bank Investor Presentation FY 2022-23, 3 May 2023, PDF page 13) https://nsearchives.nseindia.com/corporate/UCOBANK_03052023095900_ppt.pdf
- CASA ratio, FY2022-23 (31 Mar 2023): "CASA Domestic (%) 40.26 37.94 37.82" (UCO Bank Investor Presentation FY 2022-23, 3 May 2023, PDF page 13) https://nsearchives.nseindia.com/corporate/UCOBANK_03052023095900_ppt.pdf
- CASA ratio, FY2023-24 (31 Mar 2024): "CASA Domestic (%) 37.82 37.61 39.25" (UCO Bank Presentation on Audited Financial Results 31.03.2024, 29 April 2024, PDF page 6) https://nsearchives.nseindia.com/corporate/UCOBANK_29042024204332_NSEBSEPPT31032024.pdf
- CASA ratio, FY2024-25 (31 Mar 2025): "CASA Domestic (%) 39.25 37.97 37.91" (UCO Bank Presentation on Financial Results 31.03.2025, 28 April 2025, PDF page 8) https://nsearchives.nseindia.com/corporate/UCOBANK_28042025160020_PPT.pdf
- CASA ratio, FY2025-26 (31 Mar 2026): "CASA Domestic (%) 37.91 38.41 38.65" (UCO Bank Presentation on Financial Results Q4 FY26, 25 April 2026, PDF page 8) https://nsearchives.nseindia.com/corporate/UCOBANK_25042026201129_NSEBSEPPTFINAL.pdf
- CASA ratio, 30 Sep 2026: "CASA Domestic (%) 38.11 36.94 36.77" (UCO Bank Presentation on Reviewed Financial Results Q2 FY27, 15 October 2026, PDF page 8) https://nsearchives.nseindia.com/corporate/UCOBANK_15102026142250_AnalystPPT.pdf
- Branches, FY2021-22 (31 Mar 2022): "has 42 Zones and 3072 domestic branches and 2 overseas" (UCO Bank Annual Report 2021-22 (PDF inside the zip filed on NSE), PDF page 29) https://nsearchives.nseindia.com/annual_reports/AR_19971_UCOBANK_2021_2022_01062022181223_06012022190005.zip
- Branches, FY2022-23 (31 Mar 2023): "Branches ATM BCs Branches 2+1 3205" (UCO Bank Investor Presentation FY 2022-23, 3 May 2023, PDF page 5) https://nsearchives.nseindia.com/corporate/UCOBANK_03052023095900_ppt.pdf
- Branches, FY2023-24 (31 Mar 2024): "Branches ATM BCs Branches 2+1 3230" (UCO Bank Presentation on Audited Financial Results 31.03.2024, 29 April 2024, PDF page 38) https://nsearchives.nseindia.com/corporate/UCOBANK_29042024204332_NSEBSEPPT31032024.pdf
- Branches, FY2024-25 (31 Mar 2025): "Branches ATM BCs Branches 2+1 3302" (UCO Bank Presentation on Financial Results 31.03.2025, 28 April 2025, PDF page 39) https://nsearchives.nseindia.com/corporate/UCOBANK_28042025160020_PPT.pdf
- Branches, FY2025-26 (31 Mar 2026): "Branches Branches 2+1 3412" (UCO Bank Presentation on Financial Results Q4 FY26, 25 April 2026, PDF page 40) https://nsearchives.nseindia.com/corporate/UCOBANK_25042026201129_NSEBSEPPTFINAL.pdf
- Branches, 30 Sep 2026: "Domestic International ATM BCs Branches Branches 1. Hongkong 3439" (UCO Bank Presentation on Reviewed Financial Results Q2 FY27, 15 October 2026, PDF page 40) https://nsearchives.nseindia.com/corporate/UCOBANK_15102026142250_AnalystPPT.pdf
- Mobile app users, FY2021-22 (31 Mar 2022): "Mobile Banking ( In Lakhs) 82 6.18 57" (UCO Bank Investor Presentation FY 2022-23, 3 May 2023, PDF page 43) https://nsearchives.nseindia.com/corporate/UCOBANK_03052023095900_ppt.pdf
- Mobile app users, FY2022-23 (31 Mar 2023): "Mobile Banking ( In Lakhs) 82 6.18 57" (UCO Bank Investor Presentation FY 2022-23, 3 May 2023, PDF page 43) https://nsearchives.nseindia.com/corporate/UCOBANK_03052023095900_ppt.pdf
- Mobile app users, FY2023-24 (31 Mar 2024): "Retail Mobile Banking ( In Lakhs) Corporate Mobile Banking ( In Lakhs) 29.27% 129.27% 0.94 101 106" (UCO Bank Presentation on Audited Financial Results 31.03.2024, 29 April 2024, PDF page 44) https://nsearchives.nseindia.com/corporate/UCOBANK_29042024204332_NSEBSEPPT31032024.pdf

CreditBrief is independent and not linked to any lender. Not investment advice.