A user terminal and a providing method thereof are provided. The method includes acquiring an iris image, determining a capturing condition of the iris image, converting the acquired iris image to an iris code and performing iris recognition by comparing the converted iris code with an iris code corresponding to a determined capturing condition among pre-registered iris codes, determining a physical condition of a user who is subject to the iris recognition on the basis of an iris recognition matching rate being within a preset range, and providing a determined physical condition result.