Nifty
:
25082.30
Sensex
:
82253.46
-67.55 (-0.27%)
-247.01 (-0.30%)
Nifty
Sensex
:
:
25082.30
82253.46
-67.55 (-0.27%)
-247.01 (-0.30%)

Union Bank Of India

Bank - Public

Rating :
69/99

BSE: 532477 | NSE: UNIONBANK

NSE BSE
147.01
14-Jul-2025
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  143.82
  •  147.43
  •  143.82
  •  143.74
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  16965783
  •  2483581320.96
  •  158.65
  •  100.81

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 1,12,214.00
  • 6.08
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 50,195.30
  • 3.23%
  • 1.03

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 74.76%
  • 0.29%
  • 5.83%
  • FII
  • DII
  • Others
  • 7.12%
  • 11.31%
  • 0.69%

Chart

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

NII CAGR (%)

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

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 29.49
  • 44.67
  • 28.58

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 0.69
  • 0.87

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.63
  • 6.14
  • 6.45

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.61
  • 0.69
  • 0.87

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 3.41
  • 2.62
  • 2.46

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Var%
Dec 24
Dec 23
Var%
Sep 24
Sep 23
Var%
Jun 24
Jun 23
Var%
Interest Earned
27,869.00
26,509.87
5.13%
27,134.77
25,520.92
6.32%
26,886.58
24,731.59
8.71%
26,526.92
23,613.18
12.34%
Interest Exp.
18,244.81
16,965.82
7.54%
17,764.59
16,235.51
9.42%
17,719.94
15,498.18
14.34%
17,003.97
14,664.19
15.96%
Net Interest Income
9,624.19
9,544.05
0.84%
9,370.18
9,285.41
0.91%
9,166.64
9,233.41
-0.72%
9,522.95
8,948.99
6.41%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
6,223.48
5,101.71
21.99%
4,614.41
4,281.06
7.79%
5,925.54
4,220.91
40.39%
4,798.55
4,209.11
14.00%
Total Income
34,092.48
31,611.58
7.85%
31,749.18
29,801.98
6.53%
32,812.12
28,952.50
13.33%
31,325.47
27,822.29
12.59%
Operating Exp.
8,112.69
8,111.91
0.01%
6,473.99
6,231.58
3.89%
6,947.26
6,189.28
12.25%
6,510.25
5,973.06
8.99%
Operating Profit
7,734.98
6,533.85
18.38%
7,510.60
7,334.89
2.40%
8,144.92
7,265.04
12.11%
7,811.25
7,185.04
8.72%
Provision
1,560.22
1,252.65
24.55%
1,621.86
1,780.56
-8.91%
1,739.03
1,772.77
-1.90%
2,856.76
2,004.62
42.51%
PBT
6,174.76
5,281.20
16.92%
5,888.74
5,554.33
6.02%
6,405.89
5,492.27
16.63%
4,954.49
5,180.42
-4.36%
PBTM
22.16
19.92
11.24%
21.70
21.76
-0.28%
23.83
22.21
7.29%
18.68
21.94
-14.86%
TAX
1,173.54
1,971.35
-40.47%
1,291.57
1,943.93
-33.56%
1,684.06
1,944.02
-13.37%
1,353.54
1,939.98
-30.23%
PAT
5,001.22
3,309.85
51.10%
4,597.17
3,610.40
27.33%
4,721.83
3,548.25
33.07%
3,600.95
3,240.44
11.13%
PATM
17.95%
12.49%
16.94%
14.15%
17.56%
14.35%
13.57%
13.72%
EPS
6.55
4.34
50.92%
6.02
4.73
27.27%
6.19
4.65
33.12%
4.72
4.24
11.32%
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 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Net Interest Income
-
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
8,421.63
Interest Earned
-
1,08,417.26
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
32,315.67
Interest Expended
-
70,733.31
63,363.70
48,032.84
40,178.47
44,112.40
25,836.81
23,896.09
23,470.90
23,776.31
23,894.04
Int. income Growth
-
1.82%
11.72%
18.11%
11.32%
116.44%
11.76%
9.88%
4.87%
7.35%
 
Other Income
-
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
3,934.44
Total Income
-
59,245.94
54,824.66
49,045.69
41,575.60
39,505.78
17,431.68
15,459.29
14,942.75
14,470.66
12,356.07
Total Expenditure
-
34,738.19
32,420.50
36,154.58
32,264.45
36,270.45
21,165.70
19,018.62
21,181.09
13,871.08
10,349.12
Employee Cost
-
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
3,768.05
% Of Sales
-
13.83%
14.54%
15.43%
15.04%
13.69%
9.24%
9.43%
9.81%
10.69%
11.66%
Opt. & Establishment Exp.
-
14,131.78
12,808.53
11,707.88
10,183.75
11,168.65
5,141.23
4,992.76
4,386.88
3,752.71
3,196.85
% Of Sales
-
13.03%
12.76%
14.43%
14.93%
16.11%
13.72%
14.55%
13.31%
11.44%
9.89%
Provisions
-
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
3,882.18
% Of Sales
-
7.17%
6.79%
16.52%
19.50%
25.14%
35.74%
33.62%
43.39%
21.61%
12.01%
EBITDA
-
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
2,006.95
EBITDA Margin
-
65.03%
60.53%
38.91%
33.19%
12.84%
-32.07%
-34.17%
-65.80%
6.63%
23.83%
Depreciation
-
1,083.88
895.93
744.57
744.81
908.15
417.20
373.82
368.23
240.82
248.98
PBT
-
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
1,757.96
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
-
5,502.71
7,799.28
3,716.20
3,357.84
-500.84
-1,110.39
-999.75
-1,385.93
-207.99
415.07
Tax Rate
-
23.49%
36.26%
30.59%
39.20%
-21.52%
26.75%
25.42%
20.98%
-57.97%
23.61%
PAT
-
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
1,351.92
PAT before Minority Interest
-
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
1,342.89
Minority Interest
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9.03
PAT Margin
-
30.25%
25.01%
17.19%
12.53%
7.16%
-17.44%
-18.98%
-34.94%
3.92%
10.94%
PAT Growth
-
30.73%
62.61%
61.86%
84.17%
0
0
0
-1021.15%
-58.08%
 
EPS
-
23.48
17.96
11.04
6.82
3.70
-3.98
-3.84
-6.84
0.74
1.77

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Shareholder's Funds
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
23,048.11
Share Capital
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
687.44
Total Reserves
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
22,360.67
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Deposits
13,12,291.36
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
3,44,117.51
Borrowings
27,489.79
26,974.27
42,736.59
51,245.20
51,922.23
52,714.06
43,275.60
45,680.39
41,225.50
30,636.61
Other Liabilities & Provisions
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
9,562.33
Total Liabilities
15,11,329.42
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
4,07,364.56
Net Block
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
3,939.33
Gross Block
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
5,628.54
Accumulated Depreciation
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
1,689.21
Total Non-Current Assets
14,60,139.88
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
3,92,391.44
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
58.73
35.89
22.16
37.01
63.33
54.31
44.17
34.08
21.49
12.53
Cash and balance with RBI
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
15,606.92
Balance with banks and money at call
42,175.24
66,744.30
62,340.76
73,642.33
46,877.62
35,129.87
22,362.68
28,463.01
16,383.55
14,009.89
Investments
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
90,573.21
Advances
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
2,68,249.56
Other Assets
51,189.56
55,057.66
58,906.63
51,604.39
57,869.05
23,555.84
24,471.69
21,737.78
17,478.79
14,973.13
Total Assets
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
4,07,364.57
Contingent Liabilities
5,59,280.11
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
3,97,437.14
Bills for collection
47,616.68
50,252.86
43,566.72
66,089.41
34,694.81
21,682.69
19,441.23
18,427.09
16,119.40
15,030.34
Adjusted Book Value
139.74
120.32
106.17
96.57
93.24
89.72
138.95
196.05
306.88
297.73

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Cash From Operating Activity
17,479.40
19,929.69
6,055.84
36,338.87
20,527.34
-7,681.27
-7,778.40
6,097.42
-6,624.50
8,076.80
PBT
23,423.88
21,508.22
12,146.47
8,566.34
2,326.77
-4,231.28
-3,922.10
-6,598.40
364.65
1,771.52
Adjustment
5,218.92
7,700.93
15,015.20
16,287.89
19,538.98
14,906.05
12,868.03
15,949.78
8,220.40
4,909.70
Adjustments for Liabilities & Assets
-10,457.70
-6,259.46
-17,828.31
12,028.52
-2,720.27
-19,674.94
-15,792.45
-697.58
-13,669.00
2,184.84
Refund/(Payment) of direct taxes
-705.70
-3,020.00
-3,277.52
-543.88
-228.64
1,318.90
-931.88
-2,556.38
-1,540.55
-789.26
Other Direct Payments
0.00
0.00
0.00
0.00
1,610.50
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-1,891.35
-1,393.77
-2,561.05
-557.71
-601.09
-377.21
-297.11
-314.92
-280.18
-871.79
Net Fixed Assets
-1336.70
-966.57
-2134.83
-525.81
-7513.36
-1382.36
-264.68
-250.36
-260.54
-1518.25
Other Investment Activity
-22307.31
-22137.89
-19167.98
-17076.53
-16326.84
-8733.38
-7368.83
-7069.41
-7410.66
-6596.32
Cash from Financing Activity
-3,550.15
-11,488.94
-10,654.15
-786.28
-18,860.66
20,144.20
1,758.23
10,791.94
10,193.79
-191.21
Closing Cash & Equivalent
1,31,683.74
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
29,616.81
Net Cash Inflow / Outflow
12,037.90
7,046.98
-7,159.36
34,994.88
1,065.59
12,085.72
-6,317.28
16,574.44
3,289.11
7,013.80
Opening Cash & Equivalents
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
22,603.01

Financial Ratios

Consolidated /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Book Value
139.74
120.32
106.17
96.57
93.24
89.73
138.95
196.05
306.88
297.73
NIM
2.60
2.77
2.71
2.47
2.48
2.21
2.21
2.04
2.08
2.17
Yield on Advances
11.33
11.48
10.62
10.29
11.68
11.80
11.48
11.34
11.40
12.05
Yield on Investments
7.15
7.16
6.55
6.73
7.48
7.88
7.62
8.12
9.64
9.38
Cost of Liabilities
5.28
5.06
4.13
3.70
4.51
5.11
5.19
5.15
5.68
6.38
Interest Spread
6.05
6.42
6.49
6.58
7.17
6.68
6.30
6.19
5.71
5.67
ROCE
20.90%
21.33%
12.97%
9.44%
5.51%
-3.01%
-3.03%
-6.92%
3.58%
6.57%
Cost Income Ratio
47.34
48.35
47.89
47.39
50.00
46.97
50.82
48.52
48.52
54.35
Core Cost Income Ratio
50.20
50.29
49.01
51.60
56.81
51.14
53.01
53.13
56.98
58.50
Operating Costs to Assets
1.86
1.89
1.82
1.65
1.82
1.47
1.58
1.48
1.54
1.65
Loans/Deposits
0.02
0.02
0.04
0.05
0.06
0.12
0.10
0.11
0.11
0.09
Cash/Deposits
0.07
0.04
0.04
0.04
0.04
0.04
0.05
0.05
0.04
0.05
Investment/Deposits
0.28
0.28
0.31
0.34
0.37
0.34
0.31
0.31
0.30
0.26
Inc Loan/Deposits
2.09%
2.20%
3.81%
4.95%
5.61%
11.65%
10.37%
11.13%
10.93%
8.90%
Credit Deposits
72.91%
71.38%
68.22%
64.13%
64.10%
70.21%
71.56%
70.82%
76.34%
77.95%
Interest Expended / Interest earned
65.24%
63.13%
59.18%
58.89%
63.64%
68.94%
69.64%
71.23%
72.45%
73.94%
Interest income / Total funds
7.17%
7.16%
6.30%
5.72%
6.40%
6.75%
6.88%
6.71%
7.20%
7.93%
Interest Expended / Total funds
4.68%
4.52%
3.73%
3.37%
4.08%
4.65%
4.79%
4.78%
5.22%
5.87%
CASA
32.48%
33.49%
35.18%
36.48%
36.27%
35.47%
35.98%
33.95%
33.91%
32.24%

Annual Reports:

FY 2025
FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016

News Update:


  • Union Bank of India records 5% growth in total business in Q1FY26
    9th Jul 2025, 12:41 PM

    Its total deposits stood at Rs 12,39,936 crore (provisional) as of Q1FY26, posting a 3.63% rise in YoY terms against Rs 11,96,548 crore as of Q1FY25

    Read More
  • Union Bank of India to raise funds up to Rs 6,000 crore through various modes
    26th Jun 2025, 11:43 AM

    The Board of Directors in its meeting held on June 25, 2025 has considered & approved the same

    Read More
  • RBI imposes penalty of Rs 63.6 lakh on Union Bank of India
    24th May 2025, 16:26 PM

    The penalty is based on deficiencies in regulatory compliance

    Read More
  • Financial Intelligence Unit-India slaps Rs 37 lakh penalty on Union Bank of India
    16th Apr 2025, 15:10 PM

    The bank has taken necessary preventive measures to avoid recurrences of such non-compliances

    Read More
  • Union Bank opens new zonal office in Coimbatore
    10th Apr 2025, 12:57 PM

    Coimbatore aimed at providing easy access for customers and facilitating improved service delivery

    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.