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Q2 FY26

UCO Bank Q2 FY26 earnings call: Revenue & Margins

Q2 FY26 earnings call: what management said on revenue, margins and capex.

Price₹24
Market cap₹29.8K Cr
P/E10.6
Updated16 Oct 2026
Read4 min read

The short version

UCO Bank projects continued business growth across all segments, including Retail, Agri, MSME, and Corporate, with a current sanctioned pipeline of Rs. Business growth is improving quarter-on-quarter, with credit growth at 16.56% and deposit growth at 10.85%. - Operating profit for Q2 FY26 stood at Rs.

From UCO Bank's Q2 FY26 earnings-call transcript · updated 16 Oct 2026.

Revenue & Sales Performance

  • UCO Bank projects continued business growth across all segments, including Retail, Agri, MSME, and Corporate, with a current sanctioned pipeline of Rs. 17,000 to 18,000 crores for the next half-year.
  • Credit growth target remains ambitious with 14% for FY26, having already achieved 16.56% annualized growth.
  • Retail loan segments such as car loans and housing loans have been revamped, showing good momentum and expected further uptake.
  • The bank is focusing on new business opportunities in renewable energy, data centers, battery swap segments, and smart metering to enhance corporate lending.
  • Digital business has seen rapid expansion, with Rs. 10,554 crores total digital business as of September 2025, and ongoing investments in IT and digital platforms to drive growth and customer engagement.

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

  • Digital spend target for the year is around Rs. 1,000 crores.
  • Rs. 275 crores already spent; additional Rs. 370+ crores in pipeline (under ordering/RFP stage).
  • Expected total digital spend by year-end: Rs. 800 to 900 crores.
  • IT enhancements underway include:
  • Murex Treasury solution going live.
  • Performance monitoring software.
  • Cyber security vault.
  • Near Disaster Recovery site at Kolkata.
  • Robotic Process Automation.
  • Omni-channel interoperability.
  • Cardless cash withdrawal and Android-enabled ATMs.
  • Branch expansion plan approved for 150 new branches by March.
  • Infrastructure setup for GIFT City branch approved by RBI.

2 more points from UCO Bank's call on capex

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Fundraising & Capital Structure

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Order Book & Pipeline

  • UCO Bank has a sanction pipeline of around Rs. 17,000 to 18,000 crores for the next half-year.
  • Disbursement and sanctioning are subject to agreement on pricing with corporates.
  • The bank is targeting new business opportunities in various sectors like renewable energy, data centres, battery swap segments, and smart metering.
  • The Corporate credit book faced a de-growth this quarter due to yield pressure and rejected lower-priced offers from PSUs.
  • The bank started branch expansion plans with approval for 150 more branches by March.

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

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What UCO Bank's management said in earlier quarters

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Frequently Asked Questions

What were UCO Bank Q2 FY26 results?

UCO Bank projects continued business growth across all segments, including Retail, Agri, MSME, and Corporate, with a current sanctioned pipeline of Rs. Business growth is improving quarter-on-quarter, with credit growth at 16.56% and deposit growth at 10.85%. - Operating profit for Q2 FY26 stood at Rs.

What is UCO Bank share price analysis?

UCO Bank currently shows a neutral. The stock trades at a P/E of 10.6 with a market cap of ₹29,756 Cr. Investors should review the full earnings analysis for detailed insights.

Is UCO Bank planning capital expenditure?

Digital spend target for the year is around Rs.

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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.