The Conviction And The Caution

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UCO Bank: Q2 FY27 PAT Up 27% to Rs 786 Cr, Governance Gap Flagged

Results reported 15 October 2026 | Public sector bank

The Quick Take

UCO Bank’s Q2 FY27 net profit rose 26.8% year on year to Rs 785.64 cr, and 19.7% quarter on quarter. NII rose 14% to Rs 2,886 cr, and advances rose about 25%. GNPA fell to 1.96% from 2.56%. The bank lacks enough independent directors to form an audit committee, so the board approved the results directly.

Q2 FY27 snapshot (Rs crore)

MetricQ2 FY27Comparison
Net profit785.64+26.8% YoY (Q2 FY26: 619.76); Q1: 656.32
NII2,886+14% YoY
Total income8,174.08Q1: 8,682.24
Operating profit1,872.36Q2 FY26: 1,613
GNPA / NNPA1.96% / 0.18%Q2 FY26: 2.56% / 0.43%
  • H1 FY27 PAT Rs 1,442 cr (+17.5%).
  • Advances about Rs 2.85 lakh cr (+25%); deposits about Rs 3.5 lakh cr (+14%).
  • CD ratio 82.37%, up from 75.47%; PCR 98.36%.
  • The bank adopted the Section 115BAA tax regime.

Governance

The bank has too few independent directors to constitute an audit committee, so the board approved the results directly. Sources differ on the advances figure, so verify before relying on it.

Guidance

Not available.

Risks

  • Governance gap.
  • Rapid credit growth.

Setup

Neutral. Earnings and asset quality are improving. The governance gap is an open item.

This is educational analysis, not personalized investment advice. Do your own research before investing.

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