United Overseas Bank Limited
United Overseas Bank Limited (SES: U11) is trading at S$42.84, about ₹3,215 at today's SGD/INR rate, as of 30 Sep 2026, 5:07 AM ET, down 1.11% today. Indian residents can buy United Overseas Bank from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
S$42.84
Today's high
S$43.73
52 week low
S$33.25
52 week high
S$45.15
U11 opened at S$43.72, closed previously at S$43.32, and has traded between S$33.25 and S$45.15 over the past 52 weeks.
About
United Overseas Bank Limited, along with its subsidiaries, functions as a diversified financial institution delivering a comprehensive suite of banking solutions. Its operations are structured across three primary segments: Group Retail, Group Wholesale Banking, and Global Markets. The bank offers a wide array of lending options, including overdraft facilities, cash credits, and both short-term and long-term loans. Furthermore, it provides specialized financial services such as buyer's credit, structured trade financing, Singapore Dollar (SGD) bond services, loan syndication, and mergers and acquisitions (M&A) advisory. UOB also handles foreign exchange (forex) transactions, documentary collections, various credit facilities, bank guarantees, and export/import finance. Its trade services extend to advising and negotiating/discounting letters of credit, managing inward and outward bill collections, and facilitating documents against acceptance and payment. For general banking needs, the company offers inward and outward remittances, FX spot and forward transactions, current accounts, and time deposit services. Catering to diverse clients, UOB provides expertise in private, commercial, corporate, and investment banking. Beyond core banking, its offerings include corporate finance, treasury management, futures brokerage, asset management, venture capital management, insurance, and stockbroking services. The bank is also active in capital markets, credit card services, private residential home loans, and extends financing to small and medium-sized enterprises. Established in 1935 and headquartered in Singapore, United Overseas Bank Limited maintains a substantial international presence, operating approximately 500 branches and offices across Singapore, Malaysia, Indonesia, Thailand, China, and other global locations.
Key statistics
Avg. volume
3.48M
Market cap
S$70.75B
P/E Ratio
10.85
Price-to-sales ratio
2.81
Enterprise value
S$66.96B
Free cash flow yield
7.38%
Debt-to-equity ratio
1.60
Return on equity
9.65%
ROIC
3.24%
Beta
0.38
Dividend yield
3.71%
Last dividend
S$1.59
Financial overview
Revenue
S$26.10B
Earnings per share
S$2.76
Free cash flow
S$4.39B
Net profit margin
18.96%
Gross margin
51.14%
EBITDA
S$6.41B
Revenue growth
-6.33%
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This is not an investment recommendation
How to buy United Overseas Bank from India
Indian residents can buy United Overseas Bank shares through Paasa in four steps. Funds leave India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name with Interactive Brokers.
Open a Paasa account
Complete digital KYC with your PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Add funds under LRS
Transfer INR from your Indian bank account. Your bank reports the remittance under the RBI's Liberalised Remittance Scheme and converts it to US dollars and then to SGD.
Search for United Overseas Bank and place an order
Find United Overseas Bank by name or by its ticker, U11, and choose an order type. United Overseas Bank trades 6:30 am – 2:30 pm IST; orders can only execute during that window.
Track holdings and download tax reports
Follow your United Overseas Bank position in SGD and INR, and use Paasa's capital-gains and dividend statements when you file your Indian return.
Read the full guide: how to invest in United Overseas Bank from India
Trading and taxes when buying United Overseas Bank from India
Trading and limits
- Trading hours
- 9:00 am – 5:00 pm SGT
- LRS limit
- $250,000Per financial year, under the RBI's Liberalised Remittance Scheme.
Tax for Indian residents
- TCS on remittance
- 20%Collected by your bank on LRS remittances above ₹10 lakh in a financial year. The TCS is adjustable against your income-tax liability.Adjusting TCS against your tax
- Capital gains in India
- 12.5% or slab rateGains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate.Capital gains explained
- Dividends
- Slab rateDividends are taxed at your slab rate in India. Singapore levies 0% withholding tax on dividends from resident companies. United Overseas Bank’s current yield is 3.71%.Dividend tax explained
- Transaction tax
- Singapore levies no stamp duty or transaction tax on listed equities.
- Estate or inheritance tax
- May applySingapore imposes no estate or inheritance tax on listed securities.Estate tax explained
Custody. Shares are held in your own name at Interactive Brokers, segregated from Paasa's own assets.
FAQs
Can Indian residents buy United Overseas Bank stock?
Yes. United Overseas Bank (U11) has been listed on the Singapore Exchange since 2000, in the Banks - Regional industry, and Indian residents can buy it through Paasa. You fund the account from your Indian bank under the RBI's Liberalised Remittance Scheme and the money is converted to US dollars and then to SGD. Shares are held in your own name at Interactive Brokers, segregated from Paasa's own assets.
How much does one United Overseas Bank share cost in rupees?
One United Overseas Bank share is S$42.84 — about ₹3,215 at an SGD/INR rate of 75.05 on 29 Sep 2026. Both the United Overseas Bank price and the rupee rate move during the day, so the rupee cost changes with them.
What are the LRS and TCS rules for buying United Overseas Bank from India?
Remit up to $250,000 per financial year under the RBI's Liberalised Remittance Scheme (LRS). Banks collect 20% tax at source on LRS remittances above ₹10 lakh in a financial year; the TCS is adjustable against your income-tax liability. FX and the LRS declaration are handled by your bank when you fund your account.
How are gains on United Overseas Bank shares taxed in India?
Singapore does not levy capital gains tax on the sale of shares, ETFs or REITs, so the tax is an India-side one. Gains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. The gain is computed in rupees using the SGD/INR rate on the purchase and the sale date, so the rupee move counts alongside the United Overseas Bank price. Paasa issues a capital-gains statement for your return.
Does United Overseas Bank pay a dividend, and how is it taxed in India?
Yes. United Overseas Bank pays a dividend and the current yield is 3.71%; the last declared dividend was S$1.59 per share, about ₹119.32. Dividends are taxed at your slab rate in India. Singapore levies 0% withholding tax on dividends from resident companies. Paasa's dividend report lists the gross dividend and any tax withheld for each payment.
When can I trade United Overseas Bank from India?
The Singapore Exchange trades 6:30 am – 2:30 pm IST in Indian time. Orders can only execute during that window.
Is there estate or inheritance tax on United Overseas Bank shares held from India?
Singapore imposes no estate or inheritance tax on listed securities.
Are there transaction taxes when buying United Overseas Bank?
Singapore levies no stamp duty or transaction tax on listed equities.
Do I have to declare United Overseas Bank shares in my Indian tax return?
Yes. Foreign shares held on 31 March must be reported in Schedule FA of your Indian income-tax return. Paasa gives you a Schedule FA-ready statement listing your United Overseas Bank holding, its cost and its closing value.
How do I sell United Overseas Bank and bring the money back to India?
You sell during market hours (6:30 am – 2:30 pm IST) and the proceeds settle in SGD in your Paasa account. From there you can hold the balance, reinvest, or repatriate. Funds can be withdrawn in any currency to any bank account in your own name. Whether the sale is short- or long-term is decided by the 24-month holding period.