F-14/15, Orbit Mall, Civil Lines, Jaipur-302006
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F-14/15, Orbit Mall, Civil Lines, Jaipur-302006 support@thetaxheaven.comUCO Bank is a public sector bank (PSU) in India with a long operational history and strong government backing. Over the past few years, the bank has shown signs of operational improvement through better asset quality management and improved profitability metrics. With PSU banks witnessing renewed investor interest, UCO Bank has emerged as a mid-sized banking stock with turnaround potential.
In this article, we analyze UCO Bank Share Price Target from 2026 to 2030 based on current market data, financial indicators, sector outlook, and ownership structure.
| Detail | Value |
|---|---|
| Open | ₹28.99 |
| Previous Close | ₹28.77 |
| Day’s High | ₹29.17 |
| Day’s Low | ₹28.69 |
| VWAP | ₹28.97 |
| 52-Week High | ₹39.89 |
| 52-Week Low | ₹26.81 |
| All-Time High | ₹152.40 |
| All-Time Low | ₹8.40 |
| Market Capitalization | ₹36,276 Cr |
| Volume | 52,06,863 |
| Value (Lacs) | 1,506.35 |
| 20D Avg Volume | 65,32,454 |
| 20D Avg Delivery (%) | 39.56% |
| Face Value | ₹10 |
| Book Value Per Share | ₹22.30 |
| Dividend Yield | 1.35% |
| Beta | 1.20 |
| UC Limit | ₹34.52 |
| LC Limit | ₹23.02 |
With a Beta of 1.20, the stock shows moderate volatility compared to the broader market.
UCO Bank is a government-owned bank providing:
Retail banking services
Corporate banking
MSME lending
Agricultural loans
Digital banking services
The bank has been focusing on strengthening its balance sheet, reducing NPAs, and improving capital adequacy ratios.
Promoter holding of 90.95% ensures stability and policy support.
Gradual reduction in stressed assets enhances investor confidence.
Beneficiary of India’s expanding credit cycle.
Improved digital infrastructure supports customer acquisition and operational efficiency.
| Investor Type | Holding (%) |
|---|---|
| Promoters | 90.95% |
| Retail & Others | 4.49% |
| Other Domestic Institutions | 4.18% |
| Mutual Funds | 0.25% |
| Foreign Institutions | 0.13% |
High promoter ownership and limited FII participation make the stock largely government-controlled and retail-driven.
| Year | Minimum Target (₹) | Maximum Target (₹) |
|---|---|---|
| 2026 | 40 | 48 |
| 2027 | 50 | 60 |
| 2028 | 62 | 75 |
| 2029 | 80 | 95 |
| 2030 | 105 | 125 |
These projections assume continued improvement in profitability, better asset quality, and sustained credit growth.
By 2026, improved earnings and stable asset quality could support valuation growth.
Growth Drivers:
Reduced NPAs
Credit growth in MSME and retail segments
Stable net interest margins
Investment View: Suitable for medium-risk investors looking at PSU banking revival.
With consistent quarterly performance, investor confidence may improve.
Growth Drivers:
Expansion in rural and semi-urban lending
Government infrastructure push
Strong deposit growth
Investment View: Good for long-term banking exposure.
Sustained profitability and improved return ratios could drive re-rating.
Growth Drivers:
Higher CASA ratio
Technology upgrades
Operational efficiency improvements
Investment View: Potential compounding opportunity within PSU banking space.
Stronger balance sheet and capital position may enhance valuations.
Growth Drivers:
Stable economic growth
Improved return on equity
Strengthened loan portfolio quality
Investment View: Suitable for investors comfortable with moderate volatility.
By 2030, UCO Bank may significantly benefit from India’s long-term credit expansion.
Growth Drivers:
Expanding banking penetration
Improved profitability metrics
Continued government support
Investment View: Long-term growth potential within PSU banking segment.
High promoter concentration
Limited foreign institutional participation
Exposure to interest rate cycles
Economic slowdown impacting loan growth
Competitive private banking sector pressure
UCO Bank represents a PSU banking turnaround opportunity. While risks remain due to sector cyclicality and limited institutional participation, the improving financial performance and government backing provide stability.
Medium to high-risk investors
PSU banking exposure seekers
Long-term cyclical investors
Conservative low-volatility investors
Dividend-focused portfolios
UCO Bank has shown signs of operational recovery, supported by government ownership and improving asset quality. If the bank continues strengthening its balance sheet and profitability, it may witness steady appreciation over the next five years.
Based on current projections, the stock may reach ₹105 to ₹125 by 2030, depending on credit growth and overall banking sector momentum.
Investors should monitor quarterly earnings, NPA trends, and interest rate cycles before making long-term investment decisions.
1. What is the current share price of UCO Bank?
It is trading around ₹29 based on recent market data.
2. What is the 2026 share price target?
The projected range for 2026 is ₹40 to ₹48.
3. Is UCO Bank a good long-term investment?
It can be suitable for investors seeking PSU banking exposure with moderate risk tolerance.
4. What is the share price target for 2030?
The projected range for 2030 is ₹105 to ₹125.
5. What influences the share price the most?
Asset quality trends, credit growth, interest rates, government policies, and overall banking sector performance.
Disclaimer: This article is for educational purposes only and should not be considered financial advice. Please consult a qualified financial advisor before making investment decisions.
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