UCO Bank reported a 15.46% year-on-year increase in total business to ₹6.05 lakh crore for the quarter ended June 30, 2026. Advances grew 21.33%, outpacing deposit growth of 11.04%. The Credit-Deposit ratio rose to 82.15%.
UCO Bank Reports Strong Q1 FY27 Business Growth
Total Business: ₹6.05 lakh crore (15.46% YoY) Total Advances: ₹2.73 lakh crore (21.33% YoY) Reader Takeaway: Robust loan growth drives expansion; provisional figures require audit confirmation. ## What just happened UCO Bank has released its provisional business figures for the quarter ended June 30, 2026. Total business surged by 15.46% year-on-year to ₹6.05 lakh crore. Total advances grew by 21.33% to ₹2.73 lakh crore, while total deposits rose by 11.04% to ₹3.32 lakh crore. ## Why this matters The bank's strong credit growth, with advances rising faster than deposits, indicates active deployment of capital and potentially higher interest income. The increased Credit-Deposit (CD) ratio to 82.15% signifies this trend. However, the provisional nature of these figures means investors should await audited results for final confirmation. ## The backstory In the previous period, for the quarter ended June 30, 2025, UCO Bank’s total business stood at ₹5.24 lakh crore. Total advances were ₹2.25 lakh crore, and total deposits were ₹2.99 lakh crore, with a CD ratio of 75.38%. ## What changes now This update provides a forward-looking view of the bank's operational performance, highlighting a significant acceleration in credit disbursal. Shareholders can expect management commentary on sustaining this growth trajectory in the upcoming earnings call. ## Risks to watch The primary risk highlighted is that these figures are provisional and subject to audit. Additionally, the rising CD ratio, while boosting income, needs to be monitored to ensure the bank maintains adequate liquidity and stable deposit growth to support its advancing loan book. ## Peer comparison While specific peer data for this exact provisional period is not available, UCO Bank's advance growth of 21.33% appears robust compared to the general industry trend, which often sees deposit growth matching or slightly exceeding advance growth. ## Context metrics (time-bound) * **Total Business:** ₹6.05 lakh crore (June 30, 2026) vs ₹5.24 lakh crore (June 30, 2025) * **Total Advances:** ₹2.73 lakh crore (June 30, 2026) vs ₹2.25 lakh crore (June 30, 2025) * **Total Deposit:** ₹3.32 lakh crore (June 30, 2026) vs ₹2.99 lakh crore (June 30, 2025) * **CD Ratio:** 82.15% (June 30, 2026) vs 75.38% (June 30, 2025) ## What to track next Investors should closely watch the final audited financial results for the quarter ended June 30, 2026, and management's commentary on deposit mobilization strategies and asset quality.
