WEBSITE BSE:532477 NSE: UNION BANK L Inc. Year: 1919 Industry: Bank - Public My Bucket: Add Stock
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Union Bank of India is an India-based banking corporation. The Company's segments consist of Treasury Operations, Corporate and Wholesale Banking and Other Banking Operations. The Company gives merchandise in 3 classes, including corporate loans, personal loans and global. Its private products consist of bills and deposits, loans, which includes retail, micro, small and medium firms (MSME), wealth control, financial schemes and lockers/other services. Its company loans include exchange finance, working capital, line of credit, project financing...Read More
Union Bank of India is an India-based banking corporation. The Company's segments consist of Treasury Operations, Corporate and Wholesale Banking and Other Banking Operations. The Company gives merchandise in 3 classes, including corporate loans, personal loans and global. Its private products consist of bills and deposits, loans, which includes retail, micro, small and medium firms (MSME), wealth control, financial schemes and lockers/other services. Its company loans include exchange finance, working capital, line of credit, project financing, and channel finance. Its global offerings include non-resident Indian fast and smooth remittances, Internet Banking, global debit/credit cards, home loans, special deposit schemes, and online donation facility. It presents virtual offerings, which include app banking, Internet banking, automatic teller system banking and immediate payment service (IMPS). It additionally affords overseas currency loans. ...Read Less
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Market Cap ₹126672 Cr.
Stock P/E 7.1
P/B 1
Current Price ₹165.9
Book Value ₹ 165.7
Face Value 10
52W High ₹205.5
Dividend Yield 3.01%
52W Low ₹ 112.7
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Price falls below X
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PE falls below X
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| #(Fig in Cr.) | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 25521 | 26510 | 26527 | 26887 | 26720 | 27367 | 27475 | 26665 | 26819 | 26676 |
| Other Income | 4281 | 5102 | 4799 | 5926 | 4614 | 6223 | 4869 | 5550 | 5183 | 5999 |
| Total Income | 29802 | 31612 | 31325 | 32812 | 31335 | 33591 | 32344 | 32215 | 32002 | 32675 |
| Interest Expense | 16236 | 16966 | 17004 | 17720 | 17350 | 17743 | 18231 | 17707 | 17370 | 17005 |
| Operating Expenditure | 6232 | 8112 | 6510 | 6947 | 6474 | 8113 | 7177 | 7663 | 7672 | 7693 |
| Provisions and contingencies | 1781 | 1253 | 2857 | 1739 | 1622 | 1560 | 1667 | 1392 | 322 | 1050 |
| Operating Profit | 5554 | 5281 | 4954 | 6406 | 5889 | 6175 | 5269 | 5453 | 6638 | 6926 |
| Profit Before Tax | 5554 | 5281 | 4954 | 6406 | 5889 | 6175 | 5269 | 5453 | 6638 | 6926 |
| Provision for Tax | 1944 | 1971 | 1354 | 1684 | 1292 | 1174 | 1132 | 1171 | 1609 | 1592 |
| Profit After Tax | 3610 | 3310 | 3601 | 4722 | 4597 | 5001 | 4137 | 4281 | 5029 | 5334 |
| Adjustments | 15 | 18 | 41 | 29 | 26 | 10 | 291 | 145 | 44 | 170 |
| Profit After Adjustments | 3625 | 3328 | 3642 | 4751 | 4623 | 5011 | 4428 | 4426 | 5073 | 5504 |
| Adjusted Earnings Per Share | 4.9 | 4.4 | 4.8 | 6.2 | 6.1 | 6.6 | 5.8 | 5.8 | 6.6 | 7.2 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 32164 | 32316 | 32817 | 32952 | 34314 | 37479 | 69311 | 68230 | 81163 | 100376 | 108417 | 107635 |
| Other Income | 3957 | 3934 | 5430 | 5462 | 5042 | 5789 | 14307 | 13524 | 15915 | 17813 | 21562 | 21601 |
| Total Income | 36121 | 36250 | 38247 | 38414 | 39355 | 43268 | 83618 | 81754 | 97079 | 118188 | 129979 | 129236 |
| Interest Expense | 23640 | 23894 | 23776 | 23471 | 23896 | 25837 | 44112 | 40178 | 48033 | 63364 | 70733 | 70313 |
| Operating Expenditure | 6683 | 6716 | 7021 | 7251 | 7856 | 8188 | 19752 | 19703 | 23487 | 26506 | 28044 | 30205 |
| Provisions and contingencies | 3039 | 3882 | 7091 | 14298 | 11536 | 13395 | 17427 | 13307 | 13412 | 6811 | 7778 | 4431 |
| Operating Profit | 2759 | 1758 | 359 | -6607 | -3933 | -4151 | 2327 | 8566 | 12147 | 21508 | 23424 | 24286 |
| Profit Before Tax | 2759 | 1758 | 359 | -6607 | -3933 | -4151 | 2327 | 8566 | 12147 | 21508 | 23424 | 24286 |
| Provision for Tax | 1002 | 415 | -208 | -1386 | -1000 | -1110 | -501 | 3358 | 3716 | 7799 | 5503 | 5504 |
| Profit After Tax | 1757 | 1343 | 567 | -5221 | -2933 | -3041 | 2828 | 5209 | 8430 | 13709 | 17921 | 18781 |
| Adjustments | 3 | 14 | 6 | 8 | 11 | -80 | 35 | 57 | 81 | 88 | 106 | 650 |
| Profit After Adjustments | 1761 | 1356 | 573 | -5212 | -2922 | -3121 | 2863 | 5265 | 8512 | 13797 | 18027 | 19431 |
| Adjusted Earnings Per Share | 27.6 | 19.7 | 8.3 | -44.6 | -16.6 | -9.1 | 4.5 | 7.7 | 12.5 | 18.1 | 23.6 | 25.4 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 8% | 17% | 24% | 13% |
| Operating Profit CAGR | 9% | 40% | 0% | 24% |
| PAT CAGR | 31% | 51% | 0% | 26% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 32% | 29% | 37% | 3% |
| ROE Average | 18% | 16% | 12% | 3% |
| ROCE Average | 21% | 18% | 14% | 7% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 19899 | 23048 | 24094 | 25252 | 26836 | 33989 | 64738 | 70861 | 78804 | 97598 | 113834 |
| Minority's Interest | 9 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 317450 | 344118 | 377195 | 410288 | 417505 | 452436 | 925654 | 1034368 | 1120322 | 1224593 | 1312291 |
| Borrowings | 35168 | 30637 | 41225 | 45680 | 43276 | 52714 | 51922 | 51245 | 42737 | 26974 | 27490 |
| Other Liabilities & Provisions | 11043 | 9562 | 13167 | 9900 | 10964 | 16369 | 40063 | 37292 | 46495 | 52831 | 57714 |
| Total Liabilities | 383569 | 407365 | 455681 | 491120 | 498581 | 555509 | 1082377 | 1193766 | 1288357 | 1401996 | 1511329 |
| Cash and balance with RBI | 15064 | 15607 | 16522 | 21017 | 20800 | 20119 | 37886 | 46116 | 50258 | 52902 | 89508 |
| Bank Balance | 7539 | 14010 | 16384 | 28463 | 22363 | 35130 | 46878 | 73642 | 62341 | 66744 | 42175 |
| Investments | 85818 | 90573 | 113441 | 125485 | 128391 | 154251 | 339059 | 351839 | 343727 | 343953 | 361903 |
| Advances | 255921 | 268250 | 287950 | 290572 | 298780 | 317677 | 593320 | 663356 | 764277 | 874080 | 956729 |
| Fixed Assets | 2690 | 3939 | 3884 | 3812 | 3730 | 4721 | 7303 | 7171 | 8826 | 9224 | 9765 |
| Other Assets | 16532 | 14973 | 17479 | 21738 | 24472 | 23556 | 57869 | 51604 | 58907 | 55058 | 51190 |
| Total Assets | 383569 | 407365 | 455681 | 491120 | 498581 | 555509 | 1082377 | 1193766 | 1288357 | 1401996 | 1511329 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 23321 | 22603 | 29617 | 32906 | 49480 | 43163 | 55578 | 84763 | 119758 | 112599 | 119646 |
| Cash Flow from Operating Activities | -3567 | 8077 | -6625 | 6097 | -7778 | -7681 | 20527 | 36339 | 6056 | 19930 | 17479 |
| Cash Flow from Investing Activities | -318 | -872 | -280 | -315 | -297 | -377 | -601 | -558 | -2561 | -1394 | -1891 |
| Cash Flow from Financing Activities | 3168 | -191 | 10194 | 10792 | 1758 | 20144 | -18861 | -786 | -10654 | -11489 | -3550 |
| Net Cash Inflow / Outflow | -718 | 7014 | 3289 | 16574 | -6317 | 12086 | 1066 | 34995 | -7159 | 7047 | 12038 |
| Closing Cash & Cash Equivalent | 22603 | 29617 | 32906 | 49480 | 43163 | 55249 | 84763 | 119758 | 112599 | 119646 | 131684 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 27.61 | 19.73 | 8.33 | -44.61 | -16.58 | -9.12 | 4.47 | 7.7 | 12.45 | 18.07 | 23.62 |
| CEPS(Rs) | 31.18 | 23.16 | 11.75 | -41.52 | -14.52 | -7.67 | 5.83 | 8.71 | 13.42 | 19.13 | 24.9 |
| DPS(Rs) | 6 | 1.95 | 0 | 0 | 0 | 0 | 0 | 1.9 | 3 | 3.6 | 4.75 |
| Book NAV/Share(Rs) | 290.58 | 297.73 | 306.88 | 196.05 | 138.95 | 89.73 | 93.24 | 96.57 | 106.17 | 120.32 | 139.74 |
| Yield on Advances | 12.57 | 12.05 | 11.4 | 11.34 | 11.48 | 11.8 | 11.68 | 10.29 | 10.62 | 11.48 | 11.33 |
| Yield on Investments | 9.46 | 9.38 | 9.64 | 8.12 | 7.62 | 7.88 | 7.48 | 6.73 | 6.55 | 7.16 | 7.15 |
| Cost of Liabilities | 6.7 | 6.38 | 5.68 | 5.15 | 5.19 | 5.11 | 4.51 | 3.7 | 4.13 | 5.06 | 5.28 |
| NIM (Net Interest Margin) | 2.34 | 2.17 | 2.08 | 2.04 | 2.21 | 2.21 | 2.48 | 2.47 | 2.71 | 2.77 | 2.6 |
| Interest Spread | 5.86 | 5.67 | 5.71 | 6.19 | 6.3 | 6.68 | 7.17 | 6.58 | 6.49 | 6.42 | 6.05 |
| ROA(%) | 0.48 | 0.34 | 0.13 | -1.1 | -0.59 | -0.58 | 0.35 | 0.46 | 0.68 | 1.02 | 1.23 |
| ROE(%) | 9.86 | 6.9 | 2.73 | -23.73 | -12.38 | -11.02 | 6.25 | 8.28 | 12.17 | 16.68 | 18.05 |
| ROCE(%) | 9.26 | 6.57 | 3.58 | -6.92 | -3.03 | -3.01 | 5.51 | 9.44 | 12.97 | 21.33 | 20.9 |
| PER(x) | 5.68 | 6.63 | 18.72 | 0 | 0 | 0 | 7.62 | 5.03 | 5.34 | 8.49 | 5.34 |
| Price/Book(x) | 0.54 | 0.44 | 0.51 | 0.48 | 0.69 | 0.32 | 0.37 | 0.4 | 0.63 | 1.28 | 0.9 |
| Dividend Yield(%) | 3.83 | 1.49 | 0 | 0 | 0 | 0 | 0 | 4.9 | 4.51 | 2.35 | 3.76 |
| EV/Net Sales(x) | 1.4 | 1.23 | 1.58 | 1.72 | 1.75 | 1.67 | 1.07 | 1.14 | 1.09 | 1.44 | 1.14 |
| EV/Core EBITDA(x) | 7.78 | 7.03 | 6.97 | 7.37 | 7.92 | 6.78 | 3.74 | 3.56 | 3.45 | 5.09 | 3.97 |
| Interest Earned Growth(%) | 9.43 | 0.47 | 1.55 | 0.41 | 4.13 | 9.23 | 84.93 | -1.56 | 18.96 | 23.67 | 8.01 |
| Net Profit Growth | 5.26 | -23.59 | -57.8 | -1021.15 | 43.81 | -3.66 | 193 | 84.17 | 61.86 | 62.61 | 30.73 |
| Advances Growth | 11.7 | 4.82 | 7.34 | 0.91 | 2.82 | 6.32 | 86.77 | 11.8 | 15.21 | 14.37 | 9.46 |
| EPS Growth(%) | 3.82 | -28.53 | -57.78 | -635.47 | 62.84 | 44.99 | 149.02 | 72.37 | 61.65 | 45.13 | 30.66 |
| Loans/Deposits(x) | 11.08 | 8.9 | 10.93 | 11.13 | 10.37 | 11.65 | 5.61 | 4.95 | 3.81 | 2.2 | 2.09 |
| Cash/Deposits(x) | 0.05 | 0.05 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.07 |
| Current Ratio(x) | 0.27 | 0.26 | 0.3 | 0.31 | 0.31 | 0.34 | 0.37 | 0.34 | 0.31 | 0.28 | 0.28 |
| Quick Ratio(x) | 11.08 | 8.9 | 10.93 | 11.13 | 10.37 | 11.65 | 5.61 | 4.95 | 3.81 | 2.2 | 2.09 |
| CASA % | 29.19 | 32.24 | 33.91 | 33.95 | 35.98 | 35.47 | 36.27 | 36.48 | 35.18 | 33.49 | 32.48 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 76.99 | 74.76 | 74.76 | 74.76 | 74.76 | 74.76 | 74.76 | 74.76 | 74.76 | 74.76 |
| FII | 3.97 | 6.76 | 7.37 | 6.89 | 6.46 | 7.11 | 7.7 | 7.86 | 8.14 | 9.37 |
| DII | 12.29 | 12.25 | 11.38 | 11.23 | 11.94 | 11.64 | 11.94 | 11.71 | 11.9 | 11.51 |
| Public | 6.75 | 6.24 | 6.5 | 7.12 | 6.85 | 6.49 | 5.61 | 5.67 | 5.2 | 4.36 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 570.67 | 570.67 | 570.67 | 570.67 | 570.67 | 570.67 | 570.67 | 570.67 | 570.67 | 570.67 |
| FII | 29.42 | 51.58 | 56.23 | 52.62 | 49.3 | 54.27 | 58.76 | 59.98 | 62.14 | 71.54 |
| DII | 91.09 | 93.49 | 86.87 | 85.73 | 91.13 | 88.88 | 91.13 | 89.39 | 90.86 | 87.86 |
| Public | 50.06 | 47.62 | 49.59 | 54.34 | 52.27 | 49.55 | 42.81 | 43.32 | 39.7 | 33.3 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 741.24 | 763.36 | 763.36 | 763.36 | 763.36 | 763.36 | 763.36 | 763.36 | 763.36 | 763.36 |
* The pros and cons are machine generated.
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