Union Bank of India

Union Bank of India

136.02
-2.52
(-1.82%)
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Key Fundamentals
Add Ratio
Market Cap
1,05,756.00 Cr
EPS
23.62
PE Ratio
5.52
Dividend Yield
3.49 %
Industry
Banks
52 Week High
158.65
52 Week Low
100.81
PB Ratio
0.96
Debt to Equity
0.00
Analyst Rating and Forecast
- By Refinitiv from11 analysts
BUY
Analysts have suggested that investors can buy this stock
Buy
Buy+54.55 %
+54.55 %
Hold
Hold+27.27 %
+27.27 %
Sell
Sell+18.18 %
+18.18 %
Forecast For
Actual

Company News

View All News
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negative
Union Bank of India shares declined 2.1% to ₹135.9 following the release of quarterly business results. The bank reported loan growth of 5.3% year-over-year to ₹9.42 lakh crore, marking the fifth consecutive quarter of single-digit growth in gross advances. Sequential loan growth was modest at 0.4%. Deposits increased 1.9% annually to ₹12.34 lakh crore but declined 0.4% sequentially, representing the seventh straight quarter of single-digit deposit growth. The bank's RAM (Retail, Agri, MSME) segment grew 9.3% to ₹5.54 lakh crore, falling short of management's earlier guidance for double-digit growth. Retail loans within the segment performed strongly with 24% growth. Domestic CASA balances reached ₹4.01 lakh crore, up 1.4% year-over-year but down 0.3% from the previous quarter. The stock had gained 8% over the past month before the decline.
positive
Union Bank Of India reported a 23.96% yearly growth in domestic retail advances by September 30, 2025. The bank also posted a 3.24% rise in total global business year over year and a 1.90% increase in total global deposits year over year.
positive
Asheesh Pandey has assumed charge as Managing Director and Chief Executive Officer of Union Bank of India. Pandey brings over 27 years of banking experience, having started his career at Corporation Bank in Mumbai and working in investment and international banking divisions. He previously served as executive director at Bank of Maharashtra for nearly four years, overseeing corporate credit, treasury, and digital lending initiatives. At Union Bank, he previously held the role of chief general manager and chief operating officer, leading integration of the amalgamated entity and implementing digital solutions including WhatsApp banking, video KYC, and doorstep banking. Throughout his career, he has managed portfolios spanning credit, treasury, foreign transactions, compliance, marketing and customer relations. Pandey holds a mechanical engineering degree and postgraduate management qualification specializing in finance and marketing, along with certifications from the Indian Institute of Bankers and executive training from IIM Bangalore.
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Competitors
LTP
Market Cap (₹ Cr.)
P/E Ratio
Revenue (₹ Cr.)
YoY Revenue Growth %
Net Profit (₹ Cr.)
YoY Profit Growth %
RSI
858.25
#1 7,98,171.50
9.97
#1 6,63,343.30
11.57
#1 79,017
10.09
56.02
261.90
1,35,412.10
6.96
1,52,884.10
7.83
20,459
-26.17
66.34
113.14
1,31,214.90
7.82
1,40,456.80
14.76
18,553
-45.71
59.12
126.04
1,16,158.80
6.18
1,52,657.90
9.70
17,336
-21.12
67.77
136.02
#5 1,05,756.00
#1 5.52
#5 1,29,979.30
#8 9.98
#4 17,921
#3 21.59
50.22
760.60
1,02,059.50
8.93
72,050.90
12.17
10,995
-11.45
71.23
39.12
76,256.10
19.17
33,750.30
13.52
3,396
#1 81.66
49.04
124.83
57,472.90
5.75
80,412.40
19.47
9,552
-3.14
64.21
56.66
44,003.40
7.58
28,402.60
#1 20.90
5,542
16.16
56.61
30.80
39,048.20
15.64
29,473.50
17.33
2,445
23.76
58.11

Automatic Screeners on ScanX

Growth Rate
Revenue Growth
9.98 %
Net Income Growth
30.73 %
Cash Flow Change
-12.29 %
ROE
12.03 %
ROCE
2.98 %
EBITDA Margin (Avg.)
0.96 %

Quarterly Financial Results

Quarterly Financials
Jun 2018
Sept 2018
Dec 2018
Mar 2019
Jun 2019
Sept 2019
Dec 2019
Mar 2020
Jun 2020
Sept 2020
Dec 2020
Mar 2021
Jun 2021
Sept 2021
Dec 2021
Mar 2022
Jun 2022
Sept 2022
Dec 2022
Mar 2023
Jun 2023
Sept 2023
Dec 2023
Mar 2024
Jun 2024
Sept 2024
Dec 2024
Mar 2025
Jun 2025
Revenue
10,042
9,636
9,757
9,921
10,054
10,754
10,985
11,476
20,487
20,911
20,963
20,681
20,545
21,622
20,233
19,354
21,204
23,475
24,636
27,764
27,822
28,953
29,802
31,612
31,326
32,812
31,749
34,093
32,344
Expenses
4,087
3,517
3,608
8,180
3,296
5,854
3,923
8,510
7,977
8,816
10,419
9,391
8,713
9,411
7,946
6,940
8,442
9,598
8,817
10,041
7,978
7,962
8,012
9,365
9,367
8,686
8,096
9,673
8,844
EBITDA
-128
62
153
-4,020
366
-1,613
563
-3,468
479
599
38
1,211
1,706
2,330
2,526
2,005
2,165
2,493
3,576
3,912
5,180
5,492
5,554
5,281
4,955
6,406
5,889
6,175
5,269
Operating Profit %
53 %
59 %
58 %
2 %
63 %
38 %
60 %
9 %
57 %
51 %
40 %
40 %
50 %
44 %
53 %
59 %
54 %
51 %
58 %
55 %
66 %
68 %
69 %
65 %
65 %
68 %
70 %
65 %
68 %
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Interest
6,084
6,056
5,996
5,760
6,392
6,512
6,500
6,434
12,031
11,496
10,506
10,079
10,127
9,882
9,762
10,409
10,598
11,384
12,242
13,810
14,664
15,498
16,236
16,966
17,004
17,720
17,765
18,245
18,231
Profit Before Tax
-128
62
153
-4,020
366
-1,613
563
-3,468
479
599
38
1,211
1,706
2,330
2,526
2,005
2,165
2,493
3,576
3,912
5,180
5,492
5,554
5,281
4,955
6,406
5,889
6,175
5,269
Tax
-269
-24
-30
-688
136
-420
8
-755
138
65
-681
-58
586
819
1,448
448
582
640
1,313
1,101
1,909
1,921
1,929
1,953
1,313
1,655
1,266
1,164
841
Net Profit
141
86
183
-3,332
230
-1,192
554
-2,713
341
534
719
1,269
1,120
1,511
1,077
1,557
1,583
1,853
2,264
2,812
3,272
3,572
3,625
3,328
3,642
4,751
4,623
5,011
4,428
EPS in ₹
1.20
0.73
1.57
-27.88
1.31
-6.76
2.37
-7.93
0.53
0.83
1.12
1.98
1.70
2.25
1.55
2.30
2.32
2.71
3.31
4.11
4.79
5.14
4.89
4.44
4.77
6.22
6.06
6.56
5.80

Balance Sheet

Balance Sheet
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Total Assets
3,83,569
4,07,365
4,55,681
4,91,146
4,98,581
5,55,509
10,82,377
11,93,766
12,88,357
14,01,996
15,11,329
Fixed Assets
2,690
3,939
3,896
3,825
3,743
4,734
7,303
7,171
8,826
9,224
9,765
Current Assets
29,501
44,171
48,075
67,008
62,433
71,435
1,26,957
1,59,067
1,62,843
1,70,990
1,80,127
Capital Work in Progress
4
13
22
34
44
54
63
37
22
36
59
Investments
95,449
90,573
1,13,441
1,25,511
1,28,391
1,54,252
3,39,059
3,51,839
3,43,727
3,43,953
3,61,903
Other Assets
2,85,425
3,12,840
3,38,322
3,61,777
3,66,402
3,96,470
7,35,952
8,34,718
9,35,782
10,48,783
11,39,602
Total Liabilities
3,83,569
4,07,365
4,55,681
4,91,146
4,98,581
5,55,509
10,82,377
11,93,766
12,88,357
14,01,996
15,11,329
Current Liabilities
10,590
9,562
13,167
9,926
10,965
16,369
40,064
37,292
46,495
52,831
57,714
Non Current Liabilities
3,72,979
3,97,802
4,42,514
4,81,221
4,87,616
5,39,140
10,42,314
11,56,474
12,41,862
13,49,165
14,53,615
Total Equity
19,908
23,048
24,094
25,252
26,836
33,989
64,738
70,861
78,804
97,598
1,13,834
Reserve & Surplus
19,263
22,361
22,865
24,083
24,969
30,463
58,227
63,922
71,865
89,860
1,06,097
Share Capital
636
687
687
1,169
1,763
3,423
6,407
6,835
6,835
7,634
7,634

Cash Flow

Cash Flow
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Net Cash Flow
-718
70
3,289
16,574
-6,317
12,086
1,066
34,995
-7,159
7,047
12,038
Investing Activities
-318
-9
-280
-315
-297
-377
-601
-558
-2,561
-1,394
-1,891
Operating Activities
-3,568
81
-6,625
6,097
-7,778
-7,681
20,527
36,339
6,056
19,930
17,479
Financing Activities
3,168
-2
10,194
10,792
1,758
20,144
-18,861
-786
-10,654
-11,489
-3,550

Share Holding

% Holding
Mar 2021
May 2021
Jun 2021
Sept 2021
Dec 2021
Mar 2022
Jun 2022
Sept 2022
Dec 2022
Mar 2023
Jun 2023
Aug 2023
Sept 2023
Dec 2023
Feb 2024
Mar 2024
Jun 2024
Sept 2024
Dec 2024
Mar 2025
Jun 2025
Promoter
89.07 %
83.49 %
83.49 %
83.49 %
83.49 %
83.49 %
83.49 %
83.49 %
83.49 %
83.49 %
83.49 %
76.99 %
76.99 %
76.99 %
74.76 %
74.76 %
74.76 %
74.76 %
74.76 %
74.76 %
74.76 %
FIIs
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
2.88 %
0.00 %
0.00 %
6.76 %
7.37 %
6.89 %
6.46 %
7.11 %
7.70 %
DIIs
4.37 %
8.18 %
6.83 %
1.65 %
7.01 %
7.04 %
6.90 %
7.05 %
8.38 %
8.28 %
7.88 %
13.30 %
12.70 %
12.13 %
12.24 %
12.25 %
11.38 %
11.23 %
11.94 %
11.64 %
11.94 %
Government
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
Public / Retail
5.55 %
5.12 %
6.65 %
7.03 %
7.17 %
7.44 %
7.72 %
7.34 %
6.03 %
6.10 %
6.49 %
5.53 %
6.59 %
6.00 %
5.74 %
5.56 %
5.83 %
6.46 %
6.22 %
5.83 %
5.02 %
Others
1.01 %
3.21 %
3.03 %
7.82 %
2.33 %
2.03 %
1.88 %
2.12 %
2.09 %
2.13 %
2.13 %
4.18 %
0.84 %
4.89 %
7.26 %
0.68 %
0.66 %
0.66 %
0.63 %
0.66 %
0.58 %
No of Share Holders
6,31,887
6,25,405
6,83,042
6,90,809
7,39,143
7,61,809
7,98,214
7,81,554
7,80,208
7,83,550
7,75,773
7,72,539
8,65,251
8,74,309
9,17,901
9,14,940
9,84,229
10,19,060
10,22,300
10,41,210
9,61,173

Dividend History

Annual Cash Flows 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Dividend Per Share (₹) 0.00 0.00 0.00 0.00 0.00 0.00 1.9 3 3.6 4.75
Dividend Yield (%) 0.00 0.00 0.00 0.00 0.00 0.00 2.86 1.95 2.85 3.43

Corporate Action

Record Date Corporate Action Information Announcement Day LTP at Annoucement LTP at Record Day
24 Jun 2022 DIVIDEND Dividend
₹ 1.90 /share
22 Jun 2022 33.70 34.85
29 Jul 2023 DIVIDEND Dividend
₹ 3.00 /share
28 Jul 2023 76.40 90.14
20 Jul 2024 DIVIDEND Dividend
₹ 3.60 /share
19 Jul 2024 142.10 135.60
26 Jul 2024 ANNUAL GENERAL MEETING Annual General Meeting
NA
26 Jul 2024 147.10 131.95
21 Oct 2024 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
21 Oct 2024 113.20 112.35
27 Jan 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
27 Jan 2025 108.70 107.25
08 May 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
08 May 2025 126.20 118.50
19 Jul 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
19 Jul 2025 146.40 146.00
25 Jul 2025 DIVIDEND Dividend
₹ 4.75 /share
25 Jul 2025 118.50 145.00
01 Aug 2025 ANNUAL GENERAL MEETING Annual General Meeting
NA
01 Aug 2025 147.05 131.00

Announcements

Statement Of Debt Securities For The Half Year Ended On September 30Th 2025.7 hours ago
Announcement under Regulation 30 (LODR)-Credit Rating2 days ago
Intimation Under SEBI (Listing Obligations And Disclosure Requirements) Regulations2015.5 days ago
Announcement under Regulation 30 (LODR)-Change in Directorate8 days ago
Disclosure Pertaining To Analysts/Investors Meet/Call - OutcomeSep 26, 2025
Disclosure Under Regulation 30 Of The SEBI (LODR) Regulations 2015 As AmendedSep 26, 2025
Disclosures Pertaining To Analysts/Investors Meet/Call - Outcome.Sep 25, 2025
Closure of Trading WindowSep 25, 2025
Disclosures Pertaining To Analysts/Investors Meet/Call - OutcomeSep 24, 2025
Disclosures Pertaining To Analysts/Investors Meet/Call - Outcome.Sep 23, 2025
Disclosures Pertaining To Analysts/Investors Meet/Call - Outcome.Sep 23, 2025
Disclosure Under Regulation 30 Of The SEBI (LODR) Regulations 2015 As Amended.Sep 23, 2025
Disclosures Pertaining To Analysts/Investors Meet/Call - Scheduled On 26-09-2025Sep 22, 2025
Disclosures Pertaining To Analysts/Investors Meet/Call - Scheduled On 25-09-2025Sep 19, 2025
Disclosures Pertaining To Analysts/Investors Meet/Call - Scheduled On 24-09-2025Sep 19, 2025
Disclosures Pertaining To Analysts/Investors Meet/Call - OutcomeSep 19, 2025
Announcement under Regulation 30 (LODR)-Credit RatingSep 18, 2025
Disclosure Under Regulation 30 Of The SEBI (LODR) Regulations 2015 As AmendedSep 18, 2025
Disclosures Pertaining To Analysts/Investors Meet/Call - ScheduleSep 18, 2025
Disclosures Pertaining To Analysts/Investors Meet/Call - ScheduleSep 18, 2025
Announcement under Regulation 30 (LODR)-Credit RatingSep 17, 2025
Disclosures Pertaining To Analysts/Investors Meet/Call - OutcomeSep 17, 2025
Certificate For Timely Payment Of Principal And Annual Interest On BondSep 16, 2025
Union Bank Of India Has Informed The Exchange About Extension Of Term Of Shri Ramasubramanian S Executive Director Of The Bank.Sep 16, 2025
Union Bank Of India Has Informed The Exchange About Extension Of Term Of Shri Nitesh Ranjan Executive Director Of The BankSep 16, 2025
Disclosures Pertaining To Analysts/Investors Meet/Call - ScheduleSep 16, 2025
Certificate For Timely Payment Of Annual Interest On BondsSep 15, 2025
Disclosures Pertaining To Analysts/Investors Meet/Call - Scheduled On 17-09-2025Sep 10, 2025
Disclosure Under Regulation 30 Of The SEBI (LODR) Regulations 2015 As Amended.Sep 10, 2025
Disclosure Pertaining To Investors/Analysts Mee/Call -OutcomeSep 03, 2025
Disclosures Pertaining To Analysts/Investors Meet/Call - Scheduled On 03-09-2025Aug 28, 2025
Disclosures Pertaining To Analysts/Investors Meet/Call - Outcome.Aug 26, 2025
Intimation Of Call Option Exercised By The BankAug 21, 2025
Disclosure under Regulation 30A of LODRAug 21, 2025
Disclosure under Regulation 30A of LODRAug 21, 2025
Disclosure under Regulation 30A of LODRAug 20, 2025
Disclosure under Regulation 30A of LODRAug 19, 2025
Disclosure under Regulation 30A of LODRAug 18, 2025
Disclosure under Regulation 30A of LODRAug 18, 2025
Announcement under Regulation 30 (LODR)-Credit RatingAug 16, 2025
Disclosure Under Regulation 30 Of The SEBI (LODR) Regulations 2015 As Amended.Aug 16, 2025
Disclosure under Regulation 30A of LODRAug 14, 2025
Disclosure under Regulation 30A of LODRAug 13, 2025
Disclosure under Regulation 30A of LODRAug 13, 2025
Disclosure under Regulation 30A of LODRAug 08, 2025
Disclosure under Regulation 30A of LODRAug 06, 2025
Disclosure Under Regulation 30 Of SEBI (LODR) Regulation 2015 As Amended.Aug 05, 2025
Shareholder Meeting / Postal Ballot-Scrutinizers ReportAug 01, 2025
Shareholder Meeting / Postal Ballot-Outcome of AGMAug 01, 2025
Announcement under Regulation 30 (LODR)-Change in ManagementAug 01, 2025

Mutual Fund Holdings

Funding HouseCurrent Holding %1M Change1M Change %3M Change %Last 6M Trend
ICICI Prudential Large Cap Fund Direct-Growth
0.00%
-23247268
-0.40%
-0.42%
Nippon India Growth Mid Cap Fund Direct- Growth
0.00%
-22000000
-0.72%
-0.75%
Kotak Arbitrage Fund Direct-Growth
0.00%
-15589275
-0.27%
-0.05%
Axis Small Cap Fund Direct-Growth
0.00%
-10303338
-0.50%
-0.52%
Nippon India Small Cap Fund Direct- Growth
0.00%
-9861558
-0.19%
-0.20%
Nippon India ELSS Tax Saver Fund Direct-Growth
0.00%
-8930000
-0.75%
-0.76%
Kotak Equity Savings Fund Direct-Growth
0.00%
-6000000
-0.88%
-0.93%
Mahindra Manulife Mid Cap Fund Direct - Growth
0.00%
-4700000
-1.50%
-1.57%
ICICI Prudential Business Cycle Fund Direct - Growth
0.00%
-4303299
-0.39%
-0.42%
Edelweiss Balanced Advantage Fund Direct-Growth
0.00%
-3394837
-0.33%
-0.22%
HDFC Large and Mid Cap Fund Direct- Growth
0.00%
-3343079
-0.16%
-0.17%
HDFC Arbitrage Fund Wholesale Direct-Growth
0.00%
-2858550
-0.16%
-0.10%
Aditya Birla Sun Life Arbitrage Fund Direct-Growth
0.00%
-2292150
-0.12%
-0.09%
SBI Arbitrage Opportunities Fund Direct-Growth
0.00%
-2172675
-0.07%
0.00%
Edelweiss Business Cycle Fund Direct-Growth
0.00%
-1461515
-1.01%
-0.60%
ICICI Prudential ESG Exclusionary Strategy Fund Direct - Growth
0.00%
-1317139
-1.11%
-1.14%
Edelweiss Arbitrage Fund Direct-Growth
0.00%
-1225725
-0.10%
-0.10%
Mahindra Manulife Business Cycle Fund Direct - Growth
0.00%
-1200000
-1.24%
-1.28%
Edelweiss Aggressive Hybrid Fund Direct - Growth
0.00%
-1150000
-0.47%
-0.28%
Sundaram Multi-Factor Fund Direct-Growth
0.00%
-1118696
-1.62%
0.00%
ICICI Prudential Dividend Yield Equity Fund Direct-Growth
0.00%
-1106252
-0.24%
-0.25%
Nippon India Nifty Midcap 150 Index Fund Direct - Growth
0.00%
-1043835
-0.70%
-0.71%
Tata Arbitrage Fund Direct - Growth
0.00%
-929250
-0.06%
0.00%
Invesco India Arbitrage Fund Direct-Growth
0.00%
-924825
-0.05%
0.00%
Mirae Asset Arbitrage Fund Direct - Growth
0.00%
-880575
-0.38%
-0.83%

Technical Indicators

RSI(14)
Neutral
56.25
ATR(14)
Less Volatile
3.36
STOCH(9,6)
Neutral
47.84
STOCH RSI(14)
Neutral
36.36
MACD(12,26)
Bullish
0.12
ADX(14)
Weak Trend
21.30
UO(9)
Bearish
49.78
ROC(12)
Uptrend And Accelerating
1.43
WillR(14)
Neutral
-39.97

About Union Bank of India

Union Bank of India is a major state-owned bank in India, with the government holding 74.76% of its share capital. It offers a wide range of services including retail and corporate banking, treasury operations, and international banking. The bank has a significant domestic presence with over 8,400 branches and 8,900 ATMs across India, as well as international operations with branches in Hong Kong, Dubai, and Sydney. Union Bank of India was originally incorporated in 1919 and nationalized in 1969. In 2020, it underwent a major amalgamation, merging with Andhra Bank and Corporation Bank to become the 5th largest public sector bank in India. As of March 31, 2024, the bank's global business stood at Rs. 21,26,912 Crore, with total deposits of Rs. 12,21,528 Crore and gross advances of Rs. 9,04,884 Crore.
Listing Date
09 Mar, 2006(19 Years, -1 days)
Chairperson NameSRINIVASAN VARADARAJAN