The Kolkata-based state-owned lender had earned a net profit of Rs 144.63 crore for the same period of 2012-13.
However, the total income increased to Rs 2,876.77 crore, from Rs 2,532.39 crore in the year-ago period.
The provision and contingencies of the bank rose nearly four-fold to Rs 987.35 crore as compared to Rs 258.59 crore in the same period a year ago, United Bank of India said in a filing to the BSE.
During the first half of the current fiscal, the bank's loss was Rs 444.74 crore, as against profit of Rs 318.52 crore in H1, 2012-13.
The total income rose to Rs 5,745.58 crore in the first six months from Rs 5,031.41 crore in the year-ago period.
As of September 30, 2013, gross non-performing assets (NPAs) of the bank was 7.52 per cent of gross advances, as against 3.88 per cent year a year ago. Its net non-performing assets rose to 5.39 per cent from 1.95 per cent.