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Q1 FY27Banks

UCO Bank Q1 FY27: Revenue ₹2,000 Cr

Q1 FY27 earnings call: what management said on revenue, margins and capex.

Price₹24
Market cap₹30.2K Cr
P/E10.7
Updated16 Sept 2026
Read4 min read

What the Q1 FY27 call signalled

1 of 3 strong

RevenueModerate growth
MarginMargins steady
CapexCapex planned

The short version

Credit growth guidance for FY27 is conservatively set at 12-14%, with actual growth already at 21% in Q1; guidance to be reviewed after Q2 with potential for upward revision. Credit growth guidance for FY27 is conservatively set at 12-14%, with potential upward revision after Q2 based on performance (Page 14).

From UCO Bank's Q1 FY27 earnings-call transcript · updated 16 Sept 2026.

Revenue & Sales Performance

Moderate growth
  • Credit growth guidance for FY27 is conservatively set at 12-14%, with actual growth already at 21% in Q1; guidance to be reviewed after Q2 with potential for upward revision.
  • Focused growth sectors: Retail (Home Loans and Vehicle Loans), Agriculture, and MSME; Retail loan rate offerings remain competitive.
  • Vehicle loans expected to grow around 30%, Home Loans 20-25%, and MSME around 19-20%.
  • Corporate loan growth expected in infrastructure, renewable energy, transmission, steel, cement, and ports.
  • Digital initiatives (Project Parivartan 2.0, STP journeys) to drive customer onboarding and product cross-sell.
  • Other Commission Income growth supported by PSLC sales (₹2,000 crores PSLC sold, earning ₹55 crores commission).

2 more points from UCO Bank's call on revenue

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Profitability & Margins

See what UCO Bank said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

Capex planned
  • Opening a branch in GIFT City within the next month, with all approvals in place and IT implementation underway.
  • Enhancing digital initiatives under Project Parivartan 2.0, including developing the call centre as a profit centre with more digital customer service journeys.
  • Launching multiple new Straight Through Processing (STP) digital journeys, including for MSMEs and personal loans.
  • Expanding product offerings on Central Bank Digital Currency (CBDC).

2 more points from UCO Bank's call on capex

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Top-ranked in Banks

Ranked on what management guided this quarter

Guidance-ranked
1Canara Bank
Rev 2Mar 3
2AU Small Finance
Rev 2Mar 3
3
Rev 2Mar 3
4
Rev 2Mar 3
5
Rev 2Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

See what UCO Bank said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

  • UCO Bank has a pipeline of credit sanctions amounting to around ₹15,000 crores.
  • These sanctions are pending formalities and are expected to be disbursed in due course.
  • The bank anticipates maintaining credit growth with this orderbook supporting future lending activity.

2 more points from UCO Bank's call on order book

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Continue your research

What UCO Bank's management said in earlier quarters

Others in Banks this season

  • IDBI Bank Ltd (Q1 FY27)

    3,486 crore, up 10% YoY. Key concall takeaways from IDBI Bank Ltd's Q1 FY27 earnings call — and how it ranks against sector peers.

  • Capital Small Finance Bank Ltd (Q1 FY27)

    Non-Punjab geography advances grew over 30% YoY, indicating strong market expansion. Key concall takeaways from Capital Small Finance Bank Ltd's Q1 FY27…

  • Suryoday Small Finance Bank Ltd (Q1 FY27)

    Focus on individual loans, with individual loans contributing around 80% of monthly onboarding; planned reduction of JLG exposure over 1-1.5 years. Key concall…

  • Pun. & Sind Bank (Q1 FY27)

    15,000 crores as of June 30. Key concall takeaways from Punjab & Sind Bank's Q1 FY27 earnings call — and how it ranks against sector peers.

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Frequently Asked Questions

What were UCO Bank Q1 FY27 results?

Credit growth guidance for FY27 is conservatively set at 12-14%, with actual growth already at 21% in Q1; guidance to be reviewed after Q2 with potential for upward revision. Credit growth guidance for FY27 is conservatively set at 12-14%, with potential upward revision after Q2 based on performance (Page 14).

What is UCO Bank share price analysis?

UCO Bank currently shows a below-average growth signal. The stock trades at a P/E of 10.7 with a market cap of ₹30,245 Cr. Investors should review the full earnings analysis for detailed insights.

Is UCO Bank planning capital expenditure?

- Opening a branch in GIFT City within the next month, with all approvals in place and IT implementation underway.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.