Share of UCO Bank Limited is currently trading at around Rs.31/-Existing as well as Prospective Investors are asking for UCO Bank Share Price Target 2025 as well as targets for 2030,2035 & 2040. In this article, we will discuss about the business prospects and financial performance of the Bank and based on our discussion and analysis will tell you about the UCO Bank Share Price Target 2025 as well as targets for 2030, 2035 and 2040.
Discussion & Analysis of Business & Financial performance with future Business Prospects of UCO Bank Ltd:
As of May 2025, UCO Bank has demonstrated a robust financial performance, marked by significant improvements in profitability, asset quality, and business growth. These positive trends are complemented by strategic initiatives aimed at capital augmentation and digital transformation, positioning the bank for sustained growth in the coming years.
Current Business Performance
In the fiscal year 2024–25, UCO Bank reported a consolidated net profit of ₹2,468 crore, a substantial increase from ₹1,671 crore in the previous fiscal year. The fourth quarter alone saw a 24% year-on-year rise in net profit to ₹665.7 crore, driven by steady business growth and recoveries from written-off accounts .
The bank’s net interest income (NII) for Q4 FY25 increased by 23% to ₹2,698 crore, while the net interest margin (NIM) for the full year stood at 3.08%, up from 2.92% in the preceding fiscal . Total business grew by 14.12% year-on-year to ₹5.13 lakh crore as of March 2025, with gross advances rising 17.72% to ₹2.20 lakh crore and total deposits increasing by 11.56% to ₹2.94 lakh crore
The Retail, Agriculture, and MSME (RAM) portfolio expanded by 25.74% year-on-year to ₹1.22 lakh crore, led by a 35.09% surge in retail advances, a 20.02% rise in agriculture advances, and an 18.55% growth in MSME lending .
Asset quality has shown marked improvement, with the gross non-performing assets (GNPA) ratio declining to 2.69% as of March 2025 from 3.46% a year earlier, and the net NPA ratio falling to 0.50% from 0.89% . The provision coverage ratio stood at a healthy 96.69%.
Future Business Prospects
Looking ahead, UCO Bank has outlined a strategic roadmap focused on capital augmentation, digital transformation, and expanding its retail and MSME lending. The bank’s board has approved raising ₹2,700 crore in equity capital in FY26 through various means, including qualified institutional placement (QIP), follow-on public offer (FPO), or offer for sale (OFS), aiming to reduce government holding to 75% from the current 90.95%
The bank plans to grow its loan book by 12–14% and deposits by 10–12% in FY26, with a continued focus on the RAM sectors. Managing Director Ashwani Kumar has provided guidance for maintaining the NIM in the range of 3–3.10% for FY26
UCO Bank’s extensive branch network, comprising 3,302 domestic branches and international presence in Hong Kong, Singapore, and Iran, positions it well to leverage growth opportunities, particularly in rural and semi-urban regions where 61% of its branches are located .
In summary, UCO Bank’s strong financial performance, improved asset quality, and strategic initiatives for capital raising and digital expansion underscore its positive trajectory. With a clear focus on growth in the RAM sectors and a commitment to enhancing operational efficiency, the bank is well-positioned to capitalize on emerging opportunities in the Indian banking sector.
Share Price Targets:
UCO Bank Share Price Target 2025
Based on the above discussion and analysis, the share price of UCO Bank Ltd is likely to touch the level of around Rs.35-40 in 2025
UCO Bank Share Price Target 2030
Based on the above discussion and analysis, the share price of UCO Bank Ltd is likely to touch the level of around Rs.70-80 in 2030
UCO Bank Share Price Target 2035
Based on the above discussion and analysis, the share price of UCO Bank Ltd is likely to touch the level of around Rs.150-175 in 2035
UCO Bank Share Price Target 2040
Based on the above discussion and analysis, the share price of UCO Bank Ltd is likely to touch the level of around Rs.350-400 in 2040
Disclaimer: Investments in Capital Market/Share Prices are subject to market fluctuations and are dependent on several factors. These predictions are based on the current market conditions and the future market expectations. Investors are advised to take into consideration all these factors before making any investment in Capital Market. This article should not be treated as Investment advisory and is for general Guidance & Educational purpose only. We keep revising our share price targets based on the latest information available with us. Please keep visiting our website regularly to keep yourself updated. News4You does not offer investment advice and does not encourage any action based on its content.
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