{"id":196568,"date":"2026-08-11T12:56:20","date_gmt":"2026-08-11T07:26:20","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=196568"},"modified":"2026-08-11T12:56:22","modified_gmt":"2026-08-11T07:26:22","slug":"uco-bank-vs-indian-overseas-bank-comparison","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/uco-bank-vs-indian-overseas-bank-comparison\/","title":{"rendered":"UCO Bank vs Indian Overseas Bank: Share Price, Comparison and Key Differences"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>UCO Bank MCap Rs 33,142 Cr, PE 11.75x, ROE 9.12%, Div 1.66%. Indian Overseas Bank MCap Rs 66,031 Cr, PE 11.10x, ROE 16.78%.<\/em><\/p>\n<p>UCO Bank vs Indian Overseas Bank is a comparison PSU bank investors look up when evaluating two smaller government-owned banks with distinct histories. UCO Bank, headquartered in Kolkata, was founded in 1943 and is a public sector bank under government ownership. Indian Overseas Bank (IOB), headquartered in Chennai, was founded in 1937 and has a strong presence in South India and overseas remittance corridors. Both UCO Bank vs Indian Overseas Bank are listed PSU banks trading below their large-cap peers on valuation metrics.<\/p>\n<p>This UCO Bank vs Indian Overseas Bank article covers reach and market position, key products, latest declared results and stock valuation. The UCO Bank vs Indian Overseas Bank data below is sourced from Groww and public company filings and reflects the most recently available information at the time of writing.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/uco-bank-vs-indian-overseas-bank-comparison\/#UCO_Bank_vs_Indian_Overseas_Bank_Reach_and_Market_Position\" title=\"UCO Bank vs Indian Overseas Bank: Reach and Market Position\">UCO Bank vs Indian Overseas Bank: Reach and Market Position<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/uco-bank-vs-indian-overseas-bank-comparison\/#UCO_Bank_vs_Indian_Overseas_Bank_Key_Products_and_Business_Mix\" title=\"UCO Bank vs Indian Overseas Bank: Key Products and Business Mix\">UCO Bank vs Indian Overseas Bank: Key Products and Business Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/uco-bank-vs-indian-overseas-bank-comparison\/#UCO_Bank_vs_Indian_Overseas_Bank_Latest_Results\" title=\"UCO Bank vs Indian Overseas Bank: Latest Results\">UCO Bank vs Indian Overseas Bank: Latest Results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/uco-bank-vs-indian-overseas-bank-comparison\/#UCO_Bank_vs_Indian_Overseas_Bank_Stock_and_Valuation\" title=\"UCO Bank vs Indian Overseas Bank: Stock and Valuation\">UCO Bank vs Indian Overseas Bank: Stock and Valuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/uco-bank-vs-indian-overseas-bank-comparison\/#UCO_Bank_vs_Indian_Overseas_Bank_Quick_Comparison_Table\" title=\"UCO Bank vs Indian Overseas Bank: Quick Comparison Table\">UCO Bank vs Indian Overseas Bank: Quick Comparison Table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/uco-bank-vs-indian-overseas-bank-comparison\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/uco-bank-vs-indian-overseas-bank-comparison\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/uco-bank-vs-indian-overseas-bank-comparison\/#What_is_UCO_Bank\" title=\"What is UCO Bank?\">What is UCO Bank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/uco-bank-vs-indian-overseas-bank-comparison\/#What_is_Indian_Overseas_Bank\" title=\"What is Indian Overseas Bank?\">What is Indian Overseas Bank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/uco-bank-vs-indian-overseas-bank-comparison\/#Which_PSU_bank_has_a_higher_ROE\" title=\"Which PSU bank has a higher ROE?\">Which PSU bank has a higher ROE?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/uco-bank-vs-indian-overseas-bank-comparison\/#Does_UCO_Bank_pay_dividends\" title=\"Does UCO Bank pay dividends?\">Does UCO Bank pay dividends?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/uco-bank-vs-indian-overseas-bank-comparison\/#Are_PSU_bank_stocks_risky\" title=\"Are PSU bank stocks risky?\">Are PSU bank stocks risky?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/uco-bank-vs-indian-overseas-bank-comparison\/#Which_is_larger_UCO_Bank_or_IOB\" title=\"Which is larger, UCO Bank or IOB?\">Which is larger, UCO Bank or IOB?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/uco-bank-vs-indian-overseas-bank-comparison\/#Are_UCO_Bank_and_IOB_in_Nifty_50\" title=\"Are UCO Bank and IOB in Nifty 50?\">Are UCO Bank and IOB in Nifty 50?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"UCO_Bank_vs_Indian_Overseas_Bank_Reach_and_Market_Position\"><\/span><strong>UCO Bank vs Indian Overseas Bank: Reach and Market Position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On the UCO Bank side of the UCO Bank vs Indian Overseas Bank comparison, UCO Bank operates across India with a significant presence in West Bengal and other eastern states. Market capitalisation is Rs 33,142 Cr.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=ucobank-vs-iob\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<p>On the Indian Overseas Bank side of the UCO Bank vs Indian Overseas Bank comparison, Indian Overseas Bank has pan-India presence with a particularly strong South India footprint and historically strong NRI remittance business. Market capitalisation is Rs 66,031 Cr.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"UCO_Bank_vs_Indian_Overseas_Bank_Key_Products_and_Business_Mix\"><\/span><strong>UCO Bank vs Indian Overseas Bank: Key Products and Business Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the UCO Bank vs Indian Overseas Bank product comparison, UCO Bank offers: UCO Bank offers retail deposits, home loans, MSME credit and corporate banking. EPS is Rs 2.25. PE is 11.75x, ROE 9.12 percent. Dividend yield is 1.66 percent.<\/p>\n<p>For Indian Overseas Bank in this UCO Bank vs Indian Overseas Bank breakdown: IOB offers retail banking, SME lending, NRI banking and corporate credit. EPS is Rs 3.09. PE is 11.10x, ROE 16.78 percent. IOB&#8217;s ROE of 16.78 percent is significantly above UCO Bank&#8217;s 9.12 percent.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"UCO_Bank_vs_Indian_Overseas_Bank_Latest_Results\"><\/span><strong>UCO Bank vs Indian Overseas Bank: Latest Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The UCO Bank vs Indian Overseas Bank results for UCO Bank: UCO Bank has a market cap of Rs 33,142 Cr and PE of 11.75x. ROE is 9.12 percent. UCO Bank is approximately half the size of Indian Overseas Bank by market cap.<\/p>\n<p>The UCO Bank vs Indian Overseas Bank results for Indian Overseas Bank: Indian Overseas Bank has a market cap of Rs 66,031 Cr and PE of 11.10x. ROE is 16.78 percent. IOB is cheaper on PE and has a higher ROE, which reflects improved capital efficiency.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Compare UCO Bank and Indian Overseas Bank Fundamentals on the Univest Screener<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"UCO_Bank_vs_Indian_Overseas_Bank_Stock_and_Valuation\"><\/span><strong>UCO Bank vs Indian Overseas Bank: Stock and Valuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The UCO Bank vs Indian Overseas Bank stock comparison uses the latest available market data from Groww. Investors tracking UCO Bank vs Indian Overseas Bank should verify current prices on NSE or BSE before trading.<\/p>\n<p>UCO Bank vs Indian Overseas Bank at current valuations: UCO Bank trades at Rs 33,142 Cr market cap, PE 11.75x, ROE 9.12 percent. IOB trades at Rs 66,031 Cr market cap, PE 11.10x, ROE 16.78 percent. IOB is larger, cheaper on PE and has nearly double UCO Bank&#8217;s ROE. UCO Bank offers a higher dividend yield.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"UCO_Bank_vs_Indian_Overseas_Bank_Quick_Comparison_Table\"><\/span><strong>UCO Bank vs Indian Overseas Bank: Quick Comparison Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The UCO Bank vs Indian Overseas Bank comparison table below summarises the key metrics covered in this article side by side.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<th style=\"border: 1px solid #ccc; padding: 8px;\">Parameter<\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/uco-bank-ltd\">UCO Bank<\/a><\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/indian-overseas-bank-ltd\">Indian Overseas Bank<\/a><\/th>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Sector<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">PSU bank &#8211; East India base (Kolkata HQ)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">PSU bank &#8211; South India + NRI remittance (Chennai HQ)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Market Cap<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 33,142 Cr<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 66,031 Cr<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/E Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">11.75x<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">11.10x<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">ROE<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">9.12%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">16.78%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Dividend Yield<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">1.66%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">None currently<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">D\/E<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">N\/A (bank)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">N\/A (bank)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Founded<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">1943<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">1937<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The UCO Bank vs Indian Overseas Bank comparison above covers the key data points on reach, products, results and valuation. UCO Bank vs Indian Overseas Bank are two small-to-mid PSU banks with different regional strengths and financial profiles. IOB has a higher ROE and larger scale. UCO Bank has a higher dividend yield. UCO Bank vs Indian Overseas Bank investors should review GNPA ratios, provision coverage, credit cost trends and capital adequacy ratios. UCO Bank vs Indian Overseas Bank are both government-owned and carry standard PSU bank risks including directed lending mandates and slower capital allocation. Consult a SEBI-registered advisor for personalised guidance.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"https:\/\/apps.apple.com\/in\/app\/univest\/id1543832872\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.univest.android\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track UCO Bank and Indian Overseas Bank live price and get daily stock recommendations.<\/em><\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information, including company results filings and exchange data, and are current as of the time of writing. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_UCO_Bank\"><\/span><strong>What is UCO Bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> UCO Bank (United Commercial Bank) is a government-owned public sector bank headquartered in Kolkata. It is majority-owned by the Government of India and provides retail, MSME and corporate banking services.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_Indian_Overseas_Bank\"><\/span><strong>What is Indian Overseas Bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Indian Overseas Bank (IOB) is a government-owned PSU bank headquartered in Chennai. It was founded in 1937 with a focus on overseas Indian remittance business and has a strong South India retail banking presence.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_PSU_bank_has_a_higher_ROE\"><\/span><strong>Which PSU bank has a higher ROE?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Indian Overseas Bank has a higher ROE of 16.78 percent versus UCO Bank&#8217;s 9.12 percent. ROE measures how efficiently a bank earns returns on shareholder equity.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_UCO_Bank_pay_dividends\"><\/span><strong>Does UCO Bank pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes. UCO Bank pays a dividend yield of approximately 1.66 percent, which is above average for Indian PSU banks.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_PSU_bank_stocks_risky\"><\/span><strong>Are PSU bank stocks risky?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> PSU banks carry risks including directed lending (priority sector mandates), slower credit approval processes, government ownership influence on lending decisions and vulnerability to credit cycles. All bank stocks carry sector-specific risks.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_is_larger_UCO_Bank_or_IOB\"><\/span><strong>Which is larger, UCO Bank or IOB?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Indian Overseas Bank at Rs 66,031 Cr is approximately 2 times larger than UCO Bank at Rs 33,142 Cr.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_UCO_Bank_and_IOB_in_Nifty_50\"><\/span><strong>Are UCO Bank and IOB in Nifty 50?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Neither is in Nifty 50. Both are tracked in broader PSU bank indices.<\/p>\n<div class=\"faq-schema\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>UCO Bank vs Indian Overseas Bank compared on market cap, PE, ROE, and dividend yield. 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