Union Bank Of India

•

unionbankofindia.co.inBSE: 532477NSE: UNIONBANK

Market Cap₹ 1,38,016 Cr.

Current Price

High / Low₹ 205 / 132

Stock P/E6.7

Book Value₹ 172

Price to Book1.00

Dividend Yield2.77 %

ROCE14.6 %

ROE16.2 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Other Retail Banking Operations-Retail Banking: 36.3% • Corporate / Wholesale Banking: 34.6% • Treasury: 23.4%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Company has delivered good profit growth of 46.0% CAGR over last 5 years
Comfortable capital adequacy - CAR of 18.1%
Solid return on assets for a lender - ROA of 1.2%
Company has consistently been profitable over the last 5 years
Strong provisioning - provision coverage ratio of 95.0%
Latest quarter profit grew 29.8% YoY, showing strong momentum

CONS

A large part of profit comes from other income (88.9% of PBT)
Equity base is being diluted - shares outstanding up 11.7%
Operating margins have contracted to 26.9% from 31.5%
Thin net interest margin of 2.5%
Growth is decelerating - 3Y profit CAGR (30.6%) trails the 5Y trend (46.0%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesBankBank - Public

Part ofNIFTY BANK NIFTY NEXT 50 NIFTY ALPHA 50 NIFTY DIV OPPS 50 NIFTYLARGEMIDCAP250

S.No.	Name
1.	SBIN	1004.50	10.76	927215.54	1.73	24579.04	13.65	136240.49	8.36	12.16	52.34
2.	UNIONBANK	180.80	6.69	138015.59	2.77	5368.17	29.77	27427.10	1.21	14.57	69.42
3.	PNB	116.85	6.08	134295.04	2.57	5339.15	191.40	33589.17	3.12	13.26	75.40
4.	BANKBARODA	238.00	6.78	123078.42	3.57	1572.59	-53.08	35114.52	6.84	11.20	33.10
5.	INDIANB	860.00	9.06	115838.90	2.12	3299.48	48.73	18095.14	11.11	16.28	67.14
6.	CANBK	124.20	5.67	112657.49	3.38	4864.08	61.96	32957.16	4.55	14.46	68.47
7.	MAHABANK	84.10	8.58	64685.98	2.62	2020.54	26.83	8034.65	13.90	16.53	68.61
8.	BANKINDIA	142.00	5.49	64647.88	3.27	3138.46	77.92	20096.90	8.83	10.97	73.18
9.	IOB	32.83	10.61	63219.38	0.00	1659.24	49.25	8777.57	18.82	11.31	54.56
10.	UCOBANK	23.92	12.15	29994.63	1.84	652.43	24.09	6744.59	15.10	11.00	54.71
11.	CENTRALBK	30.79	6.11	27869.26	3.90	1328.95	5.43	9725.90	12.79	8.27	67.83
12.	PSB	22.59	11.58	16028.93	1.73	331.51	23.16	3213.37	10.40	9.07	71.38

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	23,613	24,732	25,521	26,510	26,527	26,887	26,720	27,367	27,099	26,665	26,819	26,676	27,427
Interest Expended	14,664	15,498	16,236	16,966	17,004	17,720	17,350	17,743	17,855	17,707	17,370	17,005	17,206
Net Interest Income	8,949	9,233	9,285	9,544	9,523	9,167	9,370	9,624	9,244	8,958	9,449	9,671	10,221
	4,209	4,221	4,281	5,102	4,799	5,926	4,614	6,223	4,869	5,550	5,183	5,999	5,233
Total Income	0	0	0	0	31,325	32,812	31,749	34,092	32,344	32,215	32,002	32,675	32,660
Operating Expenses	0	0	0	0	65,102	69,473	64,740	81,127	71,769	76,634	76,721	76,933	7,414
Operating Profit	0	0	0	0	78,112	81,449	75,106	77,350	69,360	68,448	69,598	79,758	8,040
Provisions & Contingencies	0	0	0	0	28,568	17,390	16,219	15,602	16,673	13,923	3,221	10,503	973
Profit before Tax	5,180	5,492	5,554	5,281	4,954	6,406	5,889	6,175	5,269	5,453	6,638	6,926	7,067
Tax %	37.45%	35.40%	35.00%	37.33%	27.32%	26.29%	21.93%	19.01%	21.49%	21.48%	24.24%	22.98%	24.04%
Net Profit	0	0	0	0	3,601	4,722	4,597	5,001	4,137	4,281	5,029	5,334	5,368
EPS	5	5	5	4	5	6	6	7	6	6	7	7	1

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	0	0	0	0	0	0	0	1,00,376	1,06,600	1,06,799	—
Interest Expended	23,776	23,471	23,896	25,837	44,112	40,178	48,033	63,364	68,916	69,477	69,288
Net Interest Income	-23,776	-23,471	-23,896	-25,837	-44,112	-40,178	-48,033	37,012	37,684	37,322	—
	5,430	5,462	5,042	5,789	14,307	13,524	15,915	17,813	21,562	21,601	21,965
Total Income	0	0	0	0	0	0	0	1,18,188	1,28,162	1,28,400	1,29,552
	0	0	0	0	0	0	0	26,506	28,044	30,206	—
Operating Profit	-23,776	-23,471	-23,896	-25,837	-44,112	-40,178	-48,033	28,319	31,202	28,716	—
	7,241	14,104	10,904	10,343	15,412	13,583	13,434	6,811	7,778	4,432	—
Profit before Tax	359	-6,607	-3,933	-4,151	2,327	8,566	12,147	21,508	23,424	24,284	26,083
Tax %	0.00%	-0.00%	-0.00%	-0.00%	0.00%	0.00%	0.00%	36.26%	23.49%	22.66%	23.27%
Net Profit	567	-5,221	-2,933	-3,041	2,828	5,209	8,430	13,709	17,921	18,781	20,012
EPS	8	-69	-25	-13	4	8	12	18	24	25	—

COMPOUNDED SALES GROWTH

10 Years:: 13%
5 Years:: 9%
3 Years:: 10%

COMPOUNDED PROFIT GROWTH

10 Years:: 30%
5 Years:: 47%
3 Years:: 32%

STOCK PRICE CAGR

10 Years:: 2%
5 Years:: 39%
3 Years:: 27%
1 Year:: 33%

RETURN ON EQUITY

10 Years:: 3%
5 Years:: 14%
3 Years:: 17%
Last Year:: 16%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
LIABILITIES	-	-	-	-	-	-	-	-	-	-
	687	1,169	1,763	3,423	6,407	6,835	6,835	7,634	7,634	7,634
	22,865	24,083	24,969	30,463	58,227	63,922	71,865	89,860	1,06,096	1,25,814
	3,77,195	4,10,288	4,17,505	4,52,436	9,25,654	10,34,368	11,20,322	12,24,593	12,74,789	13,09,759
	41,225	45,680	43,276	52,714	51,922	51,245	42,737	26,974	64,992	77,798
Other Liabilities & Provisions	13,167	9,900	10,964	16,369	40,063	37,292	46,495	52,831	57,714	66,395
Total Liabilities	4,55,681	4,91,120	4,98,581	5,55,509	10,82,377	11,93,766	12,88,357	140	151	159
ASSETS	-	-	-	-	-	-	-	-	-	-
	16,522	21,017	20,800	20,119	37,886	46,116	50,258	52,902	89,508	66,477
Balances with Banks & Money at Call	16,384	28,463	22,363	35,130	46,878	73,642	62,341	66,744	41,680	29,567
	1,13,441	1,25,485	1,28,391	1,54,251	3,39,059	3,51,839	3,43,727	3,43,953	3,61,903	3,43,623
	2,87,950	2,90,572	2,98,780	3,17,677	5,93,320	6,63,356	7,64,277	8,74,080	9,56,729	10,57,188
	3,884	3,812	3,730	4,721	7,303	7,171	8,826	9,224	9,765	11,596
	17,479	21,738	24,472	23,556	57,869	51,604	58,907	55,058	51,685	78,989
Total Assets	4,55,681	4,91,120	4,98,581	5,55,509	10,82,377	11,93,766	12,88,357	140	151	159

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-6,624	6,097	-7,778	-7,681	20,527	36,339	6,056	19,930	-20,387	-35,798
Cash from Investing	-280	-315	-297	-377	-601	-558	-2,561	-1,394	-1,890	-7,075
Cash from Financing	10,194	10,792	1,758	20,144	-18,861	-786	-10,654	-11,489	33,819	7,729
	3,289	16,574	-6,317	12,086	1,066	34,995	-7,159	7,047	11,542	-35,145

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE
EPS (₹)	8.33	-44.61	-16.58	-9.12	4.47	7.70	12.45	18.07	23.62	25.45
Book Value (₹)	306.88	196.05	138.95	89.73	93.24	96.57	106.17	120.32	139.74	163.58
Dividend per Share (₹)	0.00	0.00	0.00	0.00	0.00	1.90	3.00	3.60	4.75	5.00
PROFITABILITY
Net Interest Margin %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.77%	2.60%	2.49%
ROA %	0.13%	-1.10%	-0.59%	-0.58%	0.35%	0.46%	0.68%	1.02%	1.23%	1.21%
ROE %	2.73%	-23.73%	-12.38%	-11.02%	6.25%	8.28%	12.17%	16.68%	18.05%	16.22%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	48.35%	47.34%	51.26%
ASSET QUALITY
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	86.61%	0.00%	94.61%	95.03%
Slippage Ratio %	—	—	—	—	—	—	—	—	—	—
BALANCE SHEET & LIQUIDITY
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	33.49%	33.43%	35.12%
Credit-Deposit Ratio %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.02%	0.05%	0.06%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
GROWTH & VALUATION
Net Profit Growth %	-57.80%	-1021.15%	43.81%	-3.66%	193.00%	84.17%	61.86%	62.61%	30.73%	4.80%
Book Value Growth %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	13.33%	16.14%	17.06%
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	8.49x	5.34x	6.45x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	1.28x	0.90x	1.00x
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.35%	3.76%	3.05%

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	74.76	74.76	74.76	74.76	74.76	74.76	74.76	74.76	74.76
	7.37	6.89	6.46	7.12	7.70	7.86	8.14	9.37	8.63
	11.38	11.22	11.94	11.63	11.93	11.70	11.91	11.51	11.97
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Public	6.50	7.12	6.85	6.49	5.61	5.67	5.20	4.36	4.63

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-11

General Updates

2026-09-11 - Union Bank of India has informed the Exchange about General Updates

2026-09-09

General Updates

2026-09-09 - Union Bank of India has informed the Exchange about Intimation of Strike

2026-09-01

Change in Management

2026-09-01 - Union Bank of India has informed the Exchange about change in Senior Management of the Bank.

2026-08-28

Updates

2026-08-28 - Union Bank of India has informed the Exchange regarding 'Disclosures under SEBI (LODR) Regulations, 2015'.

2026-08-27

Credit Rating- New

2026-08-27 - Union Bank of India has informed the Exchange about Credit Rating- New

2026-08-27

Credit Rating- New

2026-08-27 - Union Bank of India has informed the Exchange about Credit Rating- New

2026-08-25

Updates

2026-08-25 - Union Bank of India has informed the Exchange regarding 'Disclosure under SEBI LODR Regulation 2015'.

2026-08-21

Credit Rating- New

2026-08-21 - Union Bank of India has informed the Exchange about Credit Rating- New

2026-08-21

Credit Rating- New

2026-08-21 - Union Bank of India has informed the Exchange about Credit Rating- New

News

Recent coverage and analyst commentary for UNIONBANK

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Name

SBIN

1004.50

10.76

927215.54

1.73

24579.04

13.65

136240.49

8.36

12.16

52.34

UNIONBANK

180.80

6.69

138015.59

2.77

5368.17

29.77

27427.10

1.21

14.57

69.42

PNB

116.85

6.08

134295.04

2.57

5339.15

191.40

33589.17

3.12

13.26

75.40

BANKBARODA

238.00

6.78

123078.42

3.57

1572.59

-53.08

35114.52

6.84

11.20

33.10

INDIANB

860.00

9.06

115838.90

2.12

3299.48

48.73

18095.14

11.11

16.28

67.14

CANBK

124.20

5.67

112657.49

3.38

4864.08

61.96

32957.16

4.55

14.46

68.47

MAHABANK

84.10

8.58

64685.98

2.62

2020.54

26.83

8034.65

13.90

16.53

68.61

BANKINDIA

142.00

5.49

64647.88

3.27

3138.46

77.92

20096.90

8.83

10.97

73.18

IOB

32.83

10.61

63219.38

0.00

1659.24

49.25

8777.57

18.82

11.31

54.56

UCOBANK

23.92

12.15

29994.63

1.84

652.43

24.09

6744.59

15.10

11.00

54.71

CENTRALBK

30.79

6.11

27869.26

3.90

1328.95

5.43

9725.90

12.79

8.27

67.83

PSB

22.59

11.58

16028.93

1.73

331.51

23.16

3213.37

10.40

9.07

71.38

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

23,613

24,732

25,521

26,510

26,527

26,887

26,720

27,367

27,099

26,665

26,819

26,676

27,427

Interest Expended

14,664

15,498

16,236

16,966

17,004

17,720

17,350

17,743

17,855

17,707

17,370

17,005

17,206

Net Interest Income

8,949

9,233

9,285

9,544

9,523

9,167

9,370

9,624

9,244

8,958

9,449

9,671

10,221

4,209

4,221

4,281

5,102

4,799

5,926

4,614

6,223

4,869

5,550

5,183

5,999

5,233

Total Income

31,325

32,812

31,749

34,092

32,344

32,215

32,002

32,675

32,660

Operating Expenses

65,102

69,473

64,740

81,127

71,769

76,634

76,721

76,933

7,414

Operating Profit

78,112

81,449

75,106

77,350

69,360

68,448

69,598

79,758

8,040

Provisions & Contingencies

28,568

17,390

16,219

15,602

16,673

13,923

3,221

10,503

973

Profit before Tax

5,180

5,492

5,554

5,281

4,954

6,406

5,889

6,175

5,269

5,453

6,638

6,926

7,067

Tax %

37.45%

35.40%

35.00%

37.33%

27.32%

26.29%

21.93%

19.01%

21.49%

21.48%

24.24%

22.98%

24.04%

Net Profit

3,601

4,722

4,597

5,001

4,137

4,281

5,029

5,334

5,368

EPS

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

1,00,376

1,06,600

1,06,799

—

Interest Expended

23,776

23,471

23,896

25,837

44,112

40,178

48,033

63,364

68,916

69,477

69,288

Net Interest Income

-23,776

-23,471

-23,896

-25,837

-44,112

-40,178

-48,033

37,012

37,684

37,322

—

5,430

5,462

5,042

5,789

14,307

13,524

15,915

17,813

21,562

21,601

21,965

Total Income

1,18,188

1,28,162

1,28,400

1,29,552

26,506

28,044

30,206

—

Operating Profit

-23,776

-23,471

-23,896

-25,837

-44,112

-40,178

-48,033

28,319

31,202

28,716

—

7,241

14,104

10,904

10,343

15,412

13,583

13,434

6,811

7,778

4,432

—

Profit before Tax

359

-6,607

-3,933

-4,151

2,327

8,566

12,147

21,508

23,424

24,284

26,083

Tax %

0.00%

-0.00%

0.00%

36.26%

23.49%

22.66%

23.27%

Net Profit

567

-5,221

-2,933

-3,041

2,828

5,209

8,430

13,709

17,921

18,781

20,012

EPS

-69

-25

-13

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

LIABILITIES

687

1,169

1,763

3,423

6,407

6,835

7,634

22,865

24,083

24,969

30,463

58,227

63,922

71,865

89,860

1,06,096

1,25,814

3,77,195

4,10,288

4,17,505

4,52,436

9,25,654

10,34,368

11,20,322

12,24,593

12,74,789

13,09,759

41,225

45,680

43,276

52,714

51,922

51,245

42,737

26,974

64,992

77,798

Other Liabilities & Provisions

13,167

9,900

10,964

16,369

40,063

37,292

46,495

52,831

57,714

66,395

Total Liabilities

4,55,681

4,91,120

4,98,581

5,55,509

10,82,377

11,93,766

12,88,357

140

151

159

ASSETS

16,522

21,017

20,800

20,119

37,886

46,116

50,258

52,902

89,508

66,477

Balances with Banks & Money at Call

16,384

28,463

22,363

35,130

46,878

73,642

62,341

66,744

41,680

29,567

1,13,441

1,25,485

1,28,391

1,54,251

3,39,059

3,51,839

3,43,727

3,43,953

3,61,903

3,43,623

2,87,950

2,90,572

2,98,780

3,17,677

5,93,320

6,63,356

7,64,277

8,74,080

9,56,729

10,57,188

3,884

3,812

3,730

4,721

7,303

7,171

8,826

9,224

9,765

11,596

17,479

21,738

24,472

23,556

57,869

51,604

58,907

55,058

51,685

78,989

Total Assets

4,55,681

4,91,120

4,98,581

5,55,509

10,82,377

11,93,766

12,88,357

140

151

159

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-6,624

6,097

-7,778

-7,681

20,527

36,339

6,056

19,930

-20,387

-35,798

Cash from Investing

-280

-315

-297

-377

-601

-558

-2,561

-1,394

-1,890

-7,075

Cash from Financing

10,194

10,792

1,758

20,144

-18,861

-786

-10,654

-11,489

33,819

7,729

3,289

16,574

-6,317

12,086

1,066

34,995

-7,159

7,047

11,542

-35,145

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

PER SHARE

EPS (₹)

8.33

-44.61

-16.58

-9.12

4.47

7.70

12.45

18.07

23.62

25.45

Book Value (₹)

306.88

196.05

138.95

89.73

93.24

96.57

106.17

120.32

139.74

163.58

Dividend per Share (₹)

0.00

1.90

3.00

3.60

4.75

5.00

PROFITABILITY

Net Interest Margin %

0.00%

2.77%

2.60%

2.49%

ROA %

0.13%

-1.10%

-0.59%

-0.58%

0.35%

0.46%

0.68%

1.02%

1.23%

1.21%

ROE %

2.73%

-23.73%

-12.38%

-11.02%

6.25%

8.28%

12.17%

16.68%

18.05%

16.22%

0.00%

48.35%

47.34%

51.26%

ASSET QUALITY

Gross NPA %

0.00%

Net NPA %

0.00%

Provision Coverage %

0.00%

86.61%

0.00%

94.61%

95.03%

Slippage Ratio %

—

BALANCE SHEET & LIQUIDITY

CASA %

0.00%

33.49%

33.43%

35.12%

Credit-Deposit Ratio %

0.00%

0.02%

0.05%

0.06%

0.00%

GROWTH & VALUATION

Net Profit Growth %

-57.80%

-1021.15%

43.81%

-3.66%

193.00%

84.17%

61.86%

62.61%

30.73%

4.80%

Book Value Growth %

0.00%

13.33%

16.14%

17.06%

P/E (x)

0.00x

8.49x

5.34x

6.45x

P/B (x)

0.00x

1.28x

0.90x

1.00x

0.00%

2.35%

3.76%

3.05%

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

74.76

7.37

6.89

6.46

7.12

7.70

7.86

8.14

9.37

8.63

11.38

11.22

11.94

11.63

11.93

11.70

11.91

11.51

11.97

Government

0.00

Public

6.50

7.12

6.85

6.49

5.61

5.67

5.20

4.36

4.63

Union Bank Of India

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

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Union Bank Of India

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI