Nifty
Sensex
:
:
22600.00
73123.83
-87.65 (-0.39%)
-125.56 (-0.17%)

Bank - Public

Rating :
65/99

BSE: 532477 | NSE: UNIONBANK

178.90
23-Oct-2026
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  183
  •  183.59
  •  177.66
  •  182.85
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  12219529
  •  2193053181.76
  •  205.49
  •  140.8

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 1,36,259.86
  • 6.19
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 1,47,581.09
  • 2.80%
  • 1.01

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 74.76%
  • 0.21%
  • 3.72%
  • FII
  • DII
  • Others
  • 9.4%
  • 11.12%
  • 0.79%

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • -6.20

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 41.92
  • 29.24
  • 11.06

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 0.85
  • 1.02

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.81
  • 6.39
  • 6.48

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.70
  • 0.85
  • 1.02

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 3.13
  • 2.47
  • 2.76

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Sep 26
Sep 25
Var%
Jun 26
Jun 25
Var%
Mar 26
Mar 25
Var%
Dec 25
Dec 24
Var%
Interest Earned
28,377.73
26,205.14
8.29%
27,427.10
27,098.61
1.21%
26,675.95
27,367.36
-2.53%
26,819.18
26,720.39
0.37%
Interest Exp.
17,612.41
17,247.22
2.12%
17,205.68
17,854.77
-3.64%
17,005.41
17,743.17
-4.16%
17,369.93
17,350.22
0.11%
Net Interest Income
10,765.32
8,957.92
20.18%
10,221.42
9,243.84
10.58%
9,670.54
9,624.19
0.48%
9,449.25
9,370.17
0.84%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
5,093.56
5,550.30
-8.23%
5,233.14
4,869.00
7.48%
5,998.58
6,223.48
-3.61%
5,182.74
4,614.41
12.32%
Total Income
33,471.29
31,755.44
5.40%
32,660.24
31,967.61
2.17%
32,674.53
33,590.84
-2.73%
32,001.92
31,334.80
2.13%
Operating Exp.
7,707.92
7,663.43
0.58%
7,414.31
7,176.89
3.31%
7,693.27
8,112.69
-5.17%
7,672.14
6,473.99
18.51%
Operating Profit
8,150.96
6,844.79
19.08%
8,040.25
6,935.95
15.92%
7,975.85
7,734.98
3.11%
6,959.85
7,510.59
-7.33%
Provision
702.19
1,392.28
-49.57%
973.39
1,667.27
-41.62%
1,050.31
1,560.22
-32.68%
322.09
1,621.85
-80.14%
PBT
7,448.77
5,452.51
36.61%
7,066.86
5,268.68
34.13%
6,925.54
6,174.76
12.16%
6,637.76
5,888.74
12.72%
PBTM
26.25
20.81
26.14%
25.77
19.44
32.56%
25.96
22.56
15.07%
24.75
22.04
12.30%
TAX
1,878.37
1,171.24
60.37%
1,698.69
1,132.11
50.05%
1,591.59
1,173.54
35.62%
1,608.94
1,291.57
24.57%
PAT
5,570.40
4,281.27
30.11%
5,368.17
4,136.57
29.77%
5,333.95
5,001.22
6.65%
5,028.82
4,597.17
9.39%
PATM
19.63%
16.34%
19.57%
15.26%
20.00%
18.27%
18.75%
17.20%
EPS
7.30
5.61
30.12%
7.03
5.42
29.70%
6.99
6.55
6.72%
6.59
6.02
9.47%
Gross NPA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Gross NPA%
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Net NPA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Net NPA%
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
CASA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Net Interest Income
40,106.53
37,321.57
37,683.95
37,011.87
33,130.34
28,051.19
25,199.06
11,642.41
10,417.58
9,480.67
9,040.67
Interest Earned
1,09,299.96
1,06,798.90
1,06,600.23
1,00,375.57
81,163.18
68,229.66
69,311.46
37,479.22
34,313.67
32,951.57
32,816.98
Interest Expended
69,193.43
69,477.33
68,916.28
63,363.70
48,032.84
40,178.47
44,112.40
25,836.81
23,896.09
23,470.90
23,776.31
Int. income Growth
7.82%
-0.96%
1.82%
11.72%
18.11%
11.32%
116.44%
11.76%
9.88%
4.87%
 
Other Income
21,508.02
21,600.62
21,561.98
17,812.79
15,915.35
13,524.41
14,306.72
5,789.27
5,041.71
5,462.08
5,429.99
Total Income
1,30,807.98
58,922.19
59,245.93
54,824.66
49,045.69
41,575.60
39,505.78
17,431.68
15,459.29
14,942.75
14,470.66
Total Expenditure
30,487.64
33,433.82
34,738.18
32,420.50
36,154.58
32,264.45
36,270.45
21,165.70
19,018.62
21,181.09
13,871.08
Employee Cost
-
15,687.31
14,996.30
14,593.23
12,524.00
10,263.67
9,491.02
3,463.85
3,237.23
3,232.17
3,509.40
% Of Sales
-
14.69%
14.07%
14.54%
15.43%
15.04%
13.69%
9.24%
9.43%
9.81%
10.69%
Opt. & Establishment Exp.
-
15,722.29
14,131.77
12,808.53
11,707.88
10,183.75
11,168.65
5,141.23
4,992.76
4,386.88
3,752.71
% Of Sales
-
14.72%
13.26%
12.76%
14.43%
14.93%
16.11%
13.72%
14.55%
13.31%
11.44%
Provisions
-
4,431.96
7,777.87
6,810.60
13,411.84
13,306.65
17,427.08
13,395.02
11,536.27
14,298.50
7,090.61
% Of Sales
-
4.15%
7.30%
6.79%
16.52%
19.50%
25.14%
35.74%
33.62%
43.39%
21.61%
EBITDA
31,126.91
25,488.37
24,507.75
22,404.16
12,891.11
9,311.15
3,235.33
-3,734.02
-3,559.33
-6,238.34
599.58
EBITDA Margin
72.11%
68.29%
65.03%
60.53%
38.91%
33.19%
12.84%
-32.07%
-34.17%
-65.80%
6.63%
Depreciation
0.00
1,203.87
1,083.88
895.93
744.57
744.81
908.15
417.20
373.82
368.23
240.82
PBT
28,078.93
24,284.50
23,423.87
21,508.23
12,146.54
8,566.34
2,327.18
-4,151.22
-3,933.16
-6,606.57
358.76
Exceptional Inc./Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provision for Tax
6,777.59
5,503.87
5,502.71
7,799.28
3,716.20
3,357.84
-500.84
-1,110.39
-999.75
-1,385.93
-207.99
Tax Rate
24.14%
22.66%
23.49%
36.26%
30.59%
39.20%
-21.52%
26.75%
25.42%
20.98%
-57.97%
PAT
21,301.34
18,780.63
17,921.16
13,708.95
8,430.34
5,208.50
2,828.02
-3,040.83
-2,933.41
-5,220.64
566.75
PAT before Minority Interest
21,301.34
18,780.63
17,921.16
13,708.95
8,430.34
5,208.50
2,828.02
-3,040.83
-2,933.41
-5,220.64
566.75
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT Margin
34.57%
31.87%
30.25%
25.01%
17.19%
12.53%
7.16%
-17.44%
-18.98%
-34.94%
3.92%
PAT Growth
18.23%
4.80%
30.73%
62.61%
61.86%
84.17%
0
0
0
-1021.15%
 
EPS
27.90
24.60
23.48
17.96
11.04
6.82
3.70
-3.98
-3.84
-6.84
0.74

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Shareholder's Funds
1,33,551.29
1,13,834.08
97,597.66
78,803.51
70,861.12
64,737.78
33,989.40
26,835.65
25,251.81
24,093.67
Share Capital
7,737.61
7,737.61
7,737.61
6,938.75
6,938.75
6,510.85
3,526.82
1,867.02
1,168.57
687.44
Total Reserves
1,25,813.68
1,06,096.47
89,860.05
71,864.76
63,922.37
58,226.93
30,462.58
24,968.63
24,083.24
22,865.23
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Deposits
13,09,758.69
12,74,788.74
12,24,593.36
11,20,321.92
10,34,367.75
9,25,653.93
4,52,436.15
4,17,504.81
4,10,288.43
3,77,194.70
Borrowings
77,797.87
64,992.42
26,974.27
42,736.59
51,245.20
51,922.23
52,714.06
43,275.60
45,680.39
41,225.50
Other Liabilities & Provisions
66,394.85
57,714.19
52,830.63
46,495.08
37,291.53
40,063.46
16,369.45
10,964.48
9,899.87
13,167.35
Total Liabilities
15,87,502.70
15,11,329.43
14,01,995.92
12,88,357.10
11,93,765.60
10,82,377.40
5,55,509.06
4,98,580.54
4,91,120.50
4,55,681.22
Net Block
11,595.65
9,765.37
9,223.91
8,825.81
7,171.30
7,303.09
4,721.19
3,730.28
3,811.97
3,883.92
Gross Block
22,734.31
20,949.06
19,621.63
18,681.33
16,518.39
16,001.87
8,441.75
7,063.11
6,803.64
6,561.23
Accumulated Depreciation
11,138.66
11,183.70
10,397.72
9,855.52
9,347.09
8,698.78
3,720.56
3,332.83
2,991.68
2,677.31
Total Non-Current Assets
15,08,513.73
14,59,644.17
13,46,938.24
12,29,450.48
11,42,161.22
10,24,508.34
5,31,953.21
4,74,108.84
4,69,382.72
4,38,202.42
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Work in Progress
64.16
58.73
35.89
22.16
37.01
63.33
54.31
44.17
34.08
21.49
Cash and balance with RBI
66,476.63
89,508.50
52,901.54
50,258.11
46,115.89
37,885.71
20,118.92
20,800.40
21,017.35
16,522.37
Balance with banks and money at call
29,566.72
41,679.53
66,744.30
62,340.76
73,642.33
46,877.62
35,129.87
22,362.68
28,463.01
16,383.55
Investments
3,43,623.05
3,61,903.36
3,43,952.86
3,43,726.96
3,51,839.04
3,39,058.51
1,54,251.49
1,28,391.21
1,25,484.80
1,13,441.26
Advances
10,57,187.52
9,56,728.68
8,74,079.74
7,64,276.68
6,63,355.65
5,93,320.08
3,17,677.43
2,98,780.10
2,90,571.51
2,87,949.83
Other Assets
78,988.95
51,685.27
55,057.66
58,906.63
51,604.39
57,869.05
23,555.84
24,471.69
21,737.78
17,478.79
Total Assets
15,87,502.68
15,11,329.44
14,01,995.90
12,88,357.11
11,93,765.61
10,82,377.39
5,55,509.05
4,98,580.53
4,91,120.50
4,55,681.21
Contingent Liabilities
6,38,906.35
5,09,869.96
5,83,383.05
6,08,099.28
6,51,146.83
3,71,781.47
1,89,112.94
1,99,232.26
2,66,829.14
2,31,886.43
Bills for collection
58,797.83
50,913.49
50,252.86
43,566.72
66,089.41
34,694.81
21,682.69
19,441.23
18,427.09
16,119.40
Adjusted Book Value
163.58
139.74
120.32
106.17
96.57
93.24
89.72
138.95
196.05
306.88

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Cash From Operating Activity
-35,798.35
-20,387.05
19,929.69
6,055.84
36,338.87
20,527.34
-7,681.27
-7,778.40
6,097.42
-6,624.50
PBT
24,284.50
23,423.87
21,508.22
12,146.47
8,566.34
2,326.77
-4,231.28
-3,922.10
-6,598.40
364.65
Adjustment
6,843.13
5,352.37
7,700.93
15,015.20
16,287.89
19,538.98
14,906.05
12,868.03
15,949.78
8,220.40
Adjustments for Liabilities & Assets
-66,603.93
-48,457.59
-6,259.46
-17,828.31
12,028.52
-2,720.27
-19,674.94
-15,792.45
-697.58
-13,669.00
Refund/(Payment) of direct taxes
-322.05
-705.70
-3,020.00
-3,277.52
-543.88
-228.64
1,318.90
-931.88
-2,556.38
-1,540.55
Other Direct Payments
0.00
0.00
0.00
0.00
0.00
1,610.50
0.00
0.00
0.00
0.00
Cash From Investing Activity
-7,075.25
-1,889.77
-1,393.77
-2,561.05
-557.71
-601.09
-377.21
-297.11
-314.92
-280.18
Net Fixed Assets
-1739.52
-1336.70
-966.57
-2134.83
-525.81
-7513.36
-1382.36
-264.68
-250.36
-260.54
Other Investment Activity
-24542.83
-22307.31
-22137.89
-19167.98
-17076.53
-16326.84
-8733.38
-7368.83
-7069.41
-7410.66
Cash from Financing Activity
7,728.92
33,819.01
-11,488.94
-10,654.15
-786.28
-18,860.66
20,144.20
1,758.23
10,791.94
10,193.79
Closing Cash & Equivalent
96,043.35
1,31,188.03
1,19,645.84
1,12,598.86
1,19,758.22
84,763.34
55,248.80
43,163.08
49,480.36
32,905.92
Net Cash Inflow / Outflow
-35,144.68
11,542.19
7,046.98
-7,159.36
34,994.88
1,065.59
12,085.72
-6,317.28
16,574.44
3,289.11
Opening Cash & Equivalents
1,31,188.03
1,19,645.84
1,12,598.86
1,19,758.22
84,763.34
55,577.53
43,163.08
49,480.36
32,905.92
29,616.81

Financial Ratios

Consolidated /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Book Value
163.58
139.74
120.32
106.17
96.57
93.24
89.73
138.95
196.05
306.88
NIM
2.49
2.60
2.77
2.71
2.47
2.48
2.21
2.21
2.04
2.08
Yield on Advances
10.10
11.14
11.48
10.62
10.29
11.68
11.80
11.48
11.34
11.40
Yield on Investments
7.39
7.15
7.16
6.55
6.73
7.48
7.88
7.62
8.12
9.64
Cost of Liabilities
5.01
5.14
5.06
4.13
3.70
4.51
5.11
5.19
5.15
5.68
Interest Spread
5.09
6.00
6.42
6.49
6.58
7.17
6.68
6.30
6.19
5.71
ROCE
14.57%
18.21%
21.33%
12.97%
9.44%
5.51%
-3.01%
-3.03%
-6.92%
3.58%
Cost Income Ratio
51.26
47.34
48.35
47.89
47.39
50.00
46.97
50.82
48.52
48.52
Core Cost Income Ratio
53.91
50.20
50.29
49.01
51.60
56.81
51.14
53.01
53.13
56.98
Operating Costs to Assets
1.90
1.86
1.89
1.82
1.65
1.82
1.47
1.58
1.48
1.54
Loans/Deposits
0.06
0.05
0.02
0.04
0.05
0.06
0.12
0.10
0.11
0.11
Cash/Deposits
0.05
0.07
0.04
0.04
0.04
0.04
0.04
0.05
0.05
0.04
Investment/Deposits
0.26
0.28
0.28
0.31
0.34
0.37
0.34
0.31
0.31
0.30
Inc Loan/Deposits
5.94%
5.10%
2.20%
3.81%
4.95%
5.61%
11.65%
10.37%
11.13%
10.93%
Credit Deposits
80.72%
75.05%
71.38%
68.22%
64.13%
64.10%
70.21%
71.56%
70.82%
76.34%
Interest Expended / Interest earned
65.05%
64.65%
63.13%
59.18%
58.89%
63.64%
68.94%
69.64%
71.23%
72.45%
Interest income / Total funds
6.73%
7.05%
7.16%
6.30%
5.72%
6.40%
6.75%
6.88%
6.71%
7.20%
Interest Expended / Total funds
4.38%
4.56%
4.52%
3.73%
3.37%
4.08%
4.65%
4.79%
4.78%
5.22%
CASA
35.12%
33.43%
33.49%
35.18%
36.48%
36.27%
35.47%
35.98%
33.95%
33.91%

News Update:


  • Union Bank Of India - Quarterly Results
    20th Oct 2026, 00:00 AM

    Read More
  • Union Bank of India’s consolidated net profit rises 31% in Q2FY27
    19th Oct 2026, 14:21 PM

    The consolidated total income of the bank increased by 5.40% to Rs 33,471.29 crore for Q2FY27

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.