Gross NPA
2.17%
-52bps YoY
Improved asset quality; net NPA at 0.27%.
UCOBANK
Financial Services
15 Apr 2026
Uco Bank — Q4 FY26
Uco Bank delivered a strong Q4 FY26 with net profit of ₹801 crore (+22% YoY), driven by robust credit growth of 19.44% YoY and improved asset quality.
Financial stats pending filing verification
2-Minute Summary
✦ AI-Generated from Full Transcript
Uco Bank delivered a strong Q4 FY26 with net profit of ₹801 crore (+22% YoY), driven by robust credit growth of 19.44% YoY and improved asset quality. Gross NPA fell to 2.17% (down 52bps YoY) and net NPA to 0.27%. The bank surpassed its own guidance on most parameters, including credit growth (guidance 12-14%) and RAM share at 65% (guidance 61-63%). Management guided for FY27 with credit growth of 12-14%, gross NPA <2%, and RoA nearing 1% by year-end. Key risks include potential stress in MSME from geopolitical tensions and pricing pressure in corporate lending, though the bank holds a ₹1,900 crore buffer in provisions. Digital initiatives are gaining traction, with 25,000 crore of digital business booked and mobile active users up 5x in three years.
Key Numbers
CASA Ratio
38.65%
+75bps YoY
Improved by 75 bps over last year, within guidance.
RAM Share
65%
+2pp YoY
Retail, agriculture, MSME advances grew 24%+; exceeded 61-63% guidance.
Digital Business
₹25,000 cr
N/A
Cumulative digital business booked via Project Parivartan; 31 journeys launched.
Management Guidance
Credit growth 12-14% for FY27
Management guided credit growth in the same range as previous years, though actuals have consistently exceeded guidance.
Management guidance growthGross NPA less than 2% for FY27
Target gross NPA below 2% by end of FY27, down from 2.17% in FY26.
Management guidance otherRoA nearing 0.95-1% by FY27 end
Management expects RoA to approach 1% by end of next financial year, driven by NIM improvement and cost control.
Management guidance marginsCredit cost less than 0.75% for FY27
Guidance for credit cost below 0.75%, down from less than 1% in FY26.
Management guidance marginsKey Risks
Geopolitical impact on MSME portfolio
Analyst raised concern about West Asia war affecting small businesses; management acknowledged potential impact but noted no visible stress yet.
medium · analyst_questionPricing pressure in corporate lending
Management stated they are not growing corporate credit at the cost of margins, indicating competitive pricing challenges.
medium · management_commentaryTreasury volatility from yield movements
Treasury profit turned negative this quarter due to yield spike; AFS reserves negative ₹140 cr. Recovery depends on global stability.
low · management_commentaryNotable Quotes
We don't want credit growth in corporate segment at the cost of margins.
Our guidance continues to be in the same range looking at all scenarios but I'm sure we will be surpassing the guidance with a good number.
By end of next financial year we should be nearing to 0.95 to 1% ROA levels.
Frequently Asked Questions
What was Uco Bank's revenue in Q4 FY26?
Uco Bank reported revenue of — in Q4 FY26, representing a — change compared to the same quarter last year.
What guidance did Uco Bank management give for FY27?
Credit growth 12-14% for FY27: Management guided credit growth in the same range as previous years, though actuals have consistently exceeded guidance. Gross NPA less than 2% for FY27: Target gross NPA below 2% by end of FY27, down from 2.17% in FY26. RoA nearing 0.95-1% by FY27 end: Management expects RoA to approach 1% by end of next financial year, driven by NIM improvement and cost control. Credit cost less than 0.75% for FY27: Guidance for credit cost below 0.75%, down from less than 1% in FY26.
What are the key risks for Uco Bank in FY27?
Key risks include Geopolitical impact on MSME portfolio — Analyst raised concern about West Asia war affecting small businesses; management acknowledged potential impact but noted no visible stress yet.; Pricing pressure in corporate lending — Management stated they are not growing corporate credit at the cost of margins, indicating competitive pricing challenges.; Treasury volatility from yield movements — Treasury profit turned negative this quarter due to yield spike; AFS reserves negative ₹140 cr. Recovery depends on global stability..
Did Uco Bank meet its previous quarter's guidance?
Scorecard data is being built as historical quarters are processed.
Where can I read the full Uco Bank Q4 FY26 concall transcript?
The full earnings conference call transcript or source release is available on the linked source material. This page provides an AI-generated summary with filing verification status shown on the financial stats.