UCO Bank is a well-known Indian bank run by the Government of India. It offers a wide range of banking services to meet various customer needs. With decades of experience, UCO Bank is a trusted financial institution both in India and internationally, with branches abroad. The bank helps individuals, businesses, and rural communities. It offers a variety of financial products and services.
UCO Bank has a complete range of loan options. These include personal loans, home loans, education loans, gold loans, and car loans. Each option aims to meet the specific needs of customers at competitive and low-interest rates. The bank also supports businesses with customized financial solutions to help them grow.
Beyond domestic services, UCO Bank provides international banking options. These include foreign currency loans and money transfer services. This makes it a top choice for Non-Resident Indians (NRIs) and people living abroad. The bank works in rural areas, helping farmers and small businesses. It provides easy access to financial products. This support promotes economic growth. UCO Bank helps customers with digital tools. One tool is the EMI calculator. It helps borrowers manage their repayments. Overall, UCO Bank is a reliable and customer-focused bank in India and beyond.
UCO Bank Overview
| Aspect | Details |
|---|---|
| Ownership | Government of India |
| Establishment | One of the oldest banks in India |
| Branch Network | Multiple branches across India and abroad |
| Core Services | Personal banking, business banking, rural banking |
| Loan Products | Personal loans, home loans, education loans, gold loans, car loans |
| Interest Rates | Competitive and low interest rates |
| International Banking | Foreign currency loans, NRI services, money transfers |
| Rural Banking | Financial services for farmers and small businesses |
| Digital Tools | EMI calculator for easy loan repayment planning |
| Special Services | Government-related banking services |
| Customer Focus | Individuals, businesses, rural communities, NRIs |
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UCO Bank Products
| Category | Products/Services |
|---|---|
| Deposits | Savings Account, Current Account, Fixed Deposit, Recurring Deposit |
| Loans | Personal Loan, Home Loan, Car Loan, Education Loan, Gold Loan, Business Loan |
| Cards | Debit Cards, Credit Cards, Prepaid Cards |
| Digital Banking | Internet Banking, Mobile Banking, UCO mBanking Plus, UCO Pay+, UPI |
| Government Schemes | PM Jan Dhan Yojana, Atal Pension Yojana, PMAY, Sukanya Samriddhi Yojana |
| International | NRI Banking, Foreign Currency Loans, Forex Services, Remittances |
| Insurance | Life Insurance, Health Insurance, General Insurance (in partnership with insurers) |
| Investment | Mutual Funds, Sovereign Gold Bonds, Demat Services |
| Other Services | EMI Calculator, Safe Deposit Lockers, Utility Bill Payments, SMS Banking |
UCO Bank Fundamentals
| Metric | Value |
|---|---|
| Equity Share Capital | ₹12,539.56 crore |
| Reserves and Surplus | ₹18,465.32 crore |
| Total Assets | ₹3,62,361.11 crore |
| Total Deposits | ₹2,93,542.18 crore |
| Net Advances (Loans) | ₹2,15,134.58 crore |
| Total Equity | ₹30,884.90 crore |
| Total Liabilities | ₹3,31,476.21 crore |
| Basic EPS (Earnings Per Share) | ₹2.04 |
| Book Value per Share (Excl. Reval Res.) | ₹24.73 |
| Return on Equity (ROE) | 8% |
| Credit-Deposit Ratio | 65.93% |
| Interest Expended / Interest Earned | 62.93% |
| Dividend per Share | ₹0.00 |
| Market Capitalization | ₹39,261.4 crore |
UCO Bank Share Price Target 2025, 2026, 2027, 2028, 2029, 2030, 2040, 2050
| Year | Minimum Target (₹) | Maximum Target (₹) |
|---|---|---|
| 2025 | 26.47 | 90 |
| 2026 | 50.53 | 83 |
| 2027 | 60 | 160 |
| 2028 | 70 | 127 |
| 2029 | 80 | 140 |
| 2030 | 90 | 370 |
| 2040 | 700 | 850 |
| 2050 | 500 | 1700 |
UCO Bank Share Price Target 2025
In 2014, the company faced major challenges. Its share price fell steadily due to strong competition and poor financial management. This trend continued, and by 2022, the share price reached an all-time low. After this period, the company made several strategic changes. These improvements helped revive its performance. As a result, the share price started to recover and eventually hit an all-time high. Our analysis shows that the share price target for 2025 is ₹56.21. We predict that in 2025, the share price will likely fluctuate between ₹26.47 and ₹56.21.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2025 | 26.47 | 56.21 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
| January | 38.25 | 46.27 |
| February | 35.90 | 44.25 |
| March | 31.04 | 44.75 |
| April | 29.54 | 45.21 |
| May | 28.15 | 45.87 |
| June | 27.22 | 46.58 |
| July | 26.47 | 48.25 |
| August | 30.69 | 49.87 |
| September | 31.57 | 50.25 |
| October | 35.58 | 51.57 |
| November | 37.25 | 53.45 |
| December | 43.74 | 56.21 |
Share Price Target 2030
The bank is improving its customer service. It is modernizing branches with new technology and strengthening its market position. These efforts should attract more customers and build trust. Management plans to upgrade market systems and expand online services in the coming years. This could greatly boost the bank’s share price. With its strong history and ongoing improvements, the long-term outlook looks bright. Considering these factors, the target share price for 2030 is projected to reach ₹370.
| Year | Minimum Price | Maximum Price |
| 2030 | 290 | 370 |
Share Price Target 2040
UCO Bank is a government-owned bank that provides a reliable investment option for long-term returns. If it keeps performing well in 2024, strong growth is likely. The bank is using new technology in urban and rural branches to improve its reach and efficiency. Government backing adds stability and confidence for investors. Given these factors, the projected share price target for 2040 is ₹850, showing its potential for significant future growth.
| Year | Minimum Price | Maximum Price |
| 2040 | 700 | 850 |
Share Price Target 2050
Let’s look at UCO Bank’s share price potential and the returns it may bring. In the last five years, its share price has risen by 90%. Indian banks are growing quickly. This growth comes from strong government investment in infrastructure, good policies, increased consumer spending, and easier credit access. These factors help banks like UCO succeed. With this outlook, UCO Bank is a solid choice for long-term investors. The share price target for 2050 is estimated to be ₹1,700, showing its strong growth potential.
| Year | Minimum Price | Maximum Price |
| 2050 | 1500 | 1700 |
Price Summary
| Year | Minimum Price | Maximum Price |
| 2025 | 26.47 | 56.21 |
| 2030 | 290 | 370 |
| 2040 | 700 | 850 |
| 2050 | 1500 | 1700 |
Should I Buy UCO Bank Stock?
UCO Bank’s price chart shows a sharp decline starting in 2014 and lasting until 2022. After reaching its lowest point, the bank took steps to improve. It enhanced its financial management and launched attractive offers to gain customers. These strategies have worked. The share price is now nearing its all-time high. With this momentum, investors might see a good opportunity for strong returns in the future.
UCO Bank Ltd Earning Results
| Company Fundamental | Value |
| Market Cap | Rs. 70,659.71Cr |
| CASA % | 36.79 |
| No. of Shares | Rs. 195.60 Cr |
| P/E | 41.34 |
| P/B | 2.92 |
| Face Value | Rs. 10 |
| Div. Yield | 0 % |
| Book Value (TTM) | Rs. 20.22 |
| Net Interest Income | Rs. 7343.13 Cr |
| Cost to Income % | 55.94 |
| Promoter Holding | 95.39% |
| EPS (TTM) | Rs. 1.43 |
| CAR % | 16.51 |
| ROE | 8.50% |
| ROCE | 9.11% |
| Profit Growth | 100.30% |
Is UCO Bank Stock Good to Buy?
Bull Case:
UCO Bank enjoys strong government support and friendly financial policies. This backing can help the bank grow as the Indian economy expands. With rising credit demand, UCO Bank can lend more and earn higher interest. If its stock remains undervalued compared to future earnings, it may attract value investors.
UCO Bank is also working to improve financial management. It aims to reduce non-performing assets (NPAs) and boost profitability. If these efforts succeed, the bank’s earnings could rise significantly. This growth would enhance investor confidence and likely increase the stock price.
Bear Case: UCO Bank still struggles with non-performing loans, even with recent improvements. If it can’t manage these bad loans, financial losses may follow, hurting investor sentiment. UCO Bank also competes in a tough banking sector against public and private players. This competition could restrict growth, squeeze margins, and hinder the bank’s ability to increase market share and profits.
Conclusion
We’ve shared a detailed overview of UCO Bank and its performance. One key positive is its low debt. This helps its stock move steadily upward, even if slowly. As a government-owned bank, UCO Bank enjoys various government schemes and policy support. This boosts its stability and trustworthiness.
In recent years, UCO Bank has focused on better financial management. It has worked on reducing bad loans and increasing profitability. These improvements suggest a strong base for long-term growth.
As the Indian banking sector grows and more customers access services, UCO Bank is ready to benefit. While it may not provide quick short-term gains, it shows promise for consistent returns over time. This makes it a reliable choice for long-term investors.
FAQs
1. Is UCO Bank a government bank?
Yes, UCO Bank is a public sector bank fully owned by the Government of India.
2. Does UCO Bank offer online banking services?
Yes, UCO Bank provides a wide range of online banking services, including internet banking, mobile banking, fund transfers, and utility payments.
3. What types of loans does UCO Bank offer?
UCO Bank offers various loan products such as personal loans, home loans, education loans, car loans, and gold loans.
4. What is the risk involved in investing in UCO Bank?
While UCO Bank has low debt compared to some peers, there is still some financial risk due to past non-performing assets. However, the bank is steadily improving its financial management.
5. Is UCO Bank suitable for long-term investment?
Yes, considering its government backing, improving performance, and consistent growth strategies, UCO Bank could be a solid option for long-term investors.