UNIONBANK

Union Bank of India

Large public-sector bank — retail, MSME, agriculture, corporate banking and treasury

Financial Services›Financial Services›Banks›Public Sector Bank

unionbankofindia.bank.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹171.68
Market cap
1,31,060 Cr
Stock P/E
6.3
P/B
0.98
Dividend yield
2.8%
ROE (FY26)
15.4%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Union Bank of India is a public sector bank that lends to retail, agriculture, MSME and corporate customers across India, takes deposits and runs a treasury business.

Company snapshot

3rdBy market cap

Ranked among 12 companies in Public Sector Bank.

Segment mix

Reportable segments as of 2024-12-31 (Standalone). Revenue share = segment revenue ÷ total revenue.

Largest segment: 36.6% of revenue

SegmentRevenue shareRevenuePBTAssets
Corporate/Wholesale Banking
36.3%
11,379 Cr1,693 Cr4,92,392 Cr
Other Banking Operations
1.5%
465 Cr259 Cr0 Cr
Retail Banking Operations
36.6%
11,478 Cr2,544 Cr4,47,205 Cr
Treasury Operation
24.8%
7,795 Cr1,140 Cr4,43,538 Cr
Unallocated
0.8%
257 Cr257 Cr23,503 Cr

What we see

Positives
  • ✓Net margin of 15.1% — the business keeps a healthy share of every rupee it earns.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.

Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income9,233 Cr9,285 Cr9,544 Cr9,523 Cr9,167 Cr9,370 Cr9,624 Cr9,244 Cr8,958 Cr9,449 Cr9,671 Cr10,221 Cr
Other income4,221 Cr4,281 Cr5,102 Cr4,799 Cr5,926 Cr4,614 Cr6,223 Cr4,869 Cr5,550 Cr5,183 Cr5,999 Cr5,233 Cr
Net operating income13,454 Cr13,566 Cr14,646 Cr14,321 Cr15,092 Cr13,985 Cr15,848 Cr14,113 Cr14,508 Cr14,632 Cr15,669 Cr15,455 Cr
Employee cost3,165 Cr3,377 Cr4,791 Cr3,617 Cr3,678 Cr3,554 Cr4,148 Cr4,032 Cr4,003 Cr4,114 Cr3,539 Cr3,925 Cr
Other expenses3,025 Cr2,854 Cr3,321 Cr2,893 Cr3,269 Cr2,920 Cr3,965 Cr3,145 Cr3,661 Cr3,558 Cr4,154 Cr3,489 Cr
Provisions & contingencies1,773 Cr1,781 Cr1,253 Cr2,857 Cr1,739 Cr1,622 Cr1,560 Cr1,667 Cr1,392 Cr322 Cr1,050 Cr973 Cr
Depreciation————————————
Profit before tax5,492 Cr5,554 Cr5,281 Cr4,954 Cr6,406 Cr5,889 Cr6,175 Cr5,269 Cr5,453 Cr6,638 Cr6,926 Cr7,067 Cr
Tax %35.4%35.0%37.3%27.3%26.3%21.9%19.0%21.5%21.5%24.2%23.0%24.0%
Net profit3,572 Cr3,625 Cr3,328 Cr3,642 Cr4,751 Cr4,623 Cr5,011 Cr4,428 Cr4,426 Cr5,073 Cr5,504 Cr5,642 Cr
EPS (₹)₹5.14₹4.89₹4.44₹4.77₹6.22₹6.06₹6.56₹5.80₹5.80₹6.65₹7.21₹7.39

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income9,041 Cr9,481 Cr10,418 Cr11,642 Cr25,199 Cr28,051 Cr33,130 Cr37,012 Cr37,684 Cr37,322 CrSign in free for the trailing twelve months
Other income5,430 Cr5,462 Cr5,042 Cr5,789 Cr13,899 Cr13,524 Cr15,915 Cr17,813 Cr21,562 Cr21,601 CrSign in free for the trailing twelve months
Net operating income14,471 Cr14,943 Cr15,459 Cr17,432 Cr39,098 Cr41,576 Cr49,046 Cr54,825 Cr59,246 Cr58,922 CrSign in free for the trailing twelve months
Employee cost—3,332 Cr3,237 Cr3,464 Cr9,231 Cr10,264 Cr12,524 Cr14,593 Cr14,996 Cr15,687 CrSign in free for the trailing twelve months
Other expenses—4,019 Cr4,619 Cr4,724 Cr10,521 Cr9,439 Cr10,963 Cr11,913 Cr13,048 Cr14,518 CrSign in free for the trailing twelve months
Provisions & contingencies—14,199 Cr11,536 Cr10,885 Cr17,019 Cr13,307 Cr13,412 Cr6,811 Cr7,778 Cr4,432 CrSign in free for the trailing twelve months
Depreciation——————————Sign in free for the trailing twelve months
Profit before tax—-6,607 Cr-3,933 Cr-4,151 Cr2,327 Cr8,566 Cr12,146 Cr21,508 Cr23,424 Cr24,285 CrSign in free for the trailing twelve months
Tax %—21.0%25.4%26.7%-21.5%39.2%30.6%36.3%23.5%22.7%Sign in free for the trailing twelve months
Net profit573 Cr-5,212 Cr-2,922 Cr-3,121 Cr2,863 Cr5,265 Cr8,512 Cr13,797 Cr18,027 Cr19,430 CrSign in free for the trailing twelve months
EPS (₹)₹8.33₹-68.98₹-24.87₹-13.45₹4.47₹7.77₹12.45₹19.15₹23.62₹25.45Sign in free for the trailing twelve months
Dividend payout %————0.0%0.0%15.3%14.9%15.2%18.7%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital687 Cr1,169 Cr1,763 Cr3,423 Cr6,407 Cr6,835 Cr6,835 Cr7,634 Cr7,634 Cr7,634 Cr
Reserves23,406 Cr24,083 Cr24,969 Cr30,463 Cr58,227 Cr63,922 Cr71,865 Cr84,216 Cr1,00,631 Cr1,18,832 Cr
Borrowings41,225 Cr45,680 Cr43,276 Cr52,714 Cr51,922 Cr51,245 Cr42,737 Cr26,974 Cr27,490 Cr77,798 Cr
Other liabilities3,90,362 Cr4,20,214 Cr4,28,573 Cr4,68,910 Cr9,65,821 Cr10,71,763 Cr11,66,921 Cr12,83,172 Cr13,75,575 Cr13,83,239 Cr
Total liabilities4,55,681 Cr4,91,146 Cr4,98,581 Cr5,55,509 Cr10,82,377 Cr11,93,766 Cr12,88,357 Cr14,01,996 Cr15,11,329 Cr15,87,503 Cr
Fixed assets (net)3,905 Cr3,846 Cr3,774 Cr4,776 Cr7,366 Cr7,208 Cr8,848 Cr9,260 Cr9,824 Cr11,660 Cr
CWIP——————————
Investments1,13,441 Cr1,25,511 Cr1,28,391 Cr1,54,251 Cr3,39,059 Cr3,51,839 Cr3,43,727 Cr3,43,953 Cr3,61,903 Cr3,43,623 Cr
Loans & advances2,87,950 Cr2,90,572 Cr2,98,780 Cr3,17,677 Cr5,93,320 Cr6,63,356 Cr7,64,277 Cr8,74,080 Cr9,56,729 Cr10,57,188 Cr
Cash & bank16,522 Cr21,017 Cr20,800 Cr20,119 Cr37,886 Cr46,116 Cr50,258 Cr52,902 Cr89,509 Cr66,477 Cr
Other assets33,862 Cr50,201 Cr46,834 Cr58,686 Cr1,04,747 Cr1,25,247 Cr1,21,247 Cr1,21,802 Cr93,365 Cr1,08,556 Cr
Total assets4,55,681 Cr4,91,146 Cr4,98,581 Cr5,55,509 Cr10,82,377 Cr11,93,766 Cr12,88,357 Cr14,01,996 Cr15,11,329 Cr15,87,503 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-6,624 Cr6,089 Cr-7,778 Cr-7,681 Cr20,527 Cr36,339 Cr6,111 Cr19,930 Cr17,479 Cr-35,798 Cr
Cash from investing-280 Cr-307 Cr-297 Cr-377 Cr-601 Cr-326 Cr-2,561 Cr-1,394 Cr-1,891 Cr-7,075 Cr
Cash from financing10,194 Cr10,792 Cr1,758 Cr20,144 Cr-18,861 Cr-1,018 Cr-10,654 Cr-11,489 Cr-3,550 Cr7,729 Cr
Net cash flow3,289 Cr16,574 Cr-6,317 Cr12,086 Cr1,066 Cr34,995 Cr-7,104 Cr7,047 Cr12,038 Cr-35,145 Cr
Free cash flow (OCF − Capex)-6,945 Cr5,758 Cr-8,094 Cr-8,075 Cr19,808 Cr35,589 Cr3,046 Cr18,281 Cr15,810 Cr-39,022 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %2.4%-20.6%-10.9%-9.2%4.4%7.4%10.8%15.0%16.7%15.4%

Regulatory ratios (standalone basis)

RBI ratios for the bank itself (standalone filing), on both views.

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA——48,729 Cr49,085 Cr89,788 Cr79,587 Cr60,987 Cr43,098 Cr35,350 Cr30,401 Cr
Gross NPA %11.2%15.7%15.0%14.1%13.7%11.1%7.5%4.8%3.6%2.8%
Net NPA——20,332 Cr17,303 Cr27,281 Cr24,303 Cr12,927 Cr8,990 Cr5,969 Cr5,067 Cr
Net NPA %6.6%8.4%6.9%5.5%4.6%3.7%1.7%1.0%0.6%0.5%
CET1 %7.7%7.6%8.0%9.4%9.1%10.6%12.4%13.7%15.0%15.7%
Additional Tier 1 %1.3%1.5%1.5%1.4%1.3%1.6%1.6%1.3%1.3%0.9%
ROA %0.1%-1.1%-0.6%-0.5%0.3%0.5%0.7%1.0%1.3%1.3%