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Union Bank of India engages in the provision of commercial banking services. The company is headquartered in Mumbai, Maharashtra and currently employs 75,594 full-time employees. The company went IPO on 2002-09-24. The firm's segments include Treasury Operations, Corporate and Wholesale Banking, Retail Banking Operations, and Other Banking Operations. The Treasury Operations segment provides a range of account options including savings and current accounts, term and recurring deposits, and demat and online trading accounts. The Corporate and Wholesale Banking segment offers a range of services including, but not limited to, trade finance, working capital, lines of credit, project financing and channel finance. The company assists with debt structuring/restructuring, loan syndication, structured finance, mergers and acquisition advisory, and private equity services. The Retail Banking Operations segment offers mutual funds and various insurance products, such as life, non-life, health, and general insurance. The Other Banking Operations segment offers comprehensive NRI banking services, along with a suite of treasury and remittance services.
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“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹37,322 Cr on total income of ₹151,272 Cr.
Cost-to-income ratio at 51.3%. Provision coverage at 2.9% of income.
“will further improve because whatever the deposit was taken, that is going to be repriced in this quarter or next financial year.”
“gross advances increased by 7.”
“profit of your bank stood at €5,017 for this quarter ended December, '25.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 14.5%▲ | 11.5% |
| Net Margin | 12.4%▲ | 12.1% |
| EBITDA Margin | 73.0%▲ | 67.3% |
| Debt To Equity | 9.81x▲ | 8.01x |
| Rev Growth 3yr | 9.8%▼ | 14.4% |
| EPS Growth 3yr | 26.9%▲ | 23.3% |
| NIM | 3.5%▼ | 390.0% |
| Cost To Income | 51.3% | - |
| Credit Deposit Ratio | 80.70x | 83.00x |
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| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| Interest on Advances | ₹81,024 Cr +2.2% | ₹79,256 Cr +9.8% | ₹72,156 Cr +26.9% | ₹56,875 Cr +25.6% | ₹45,293 Cr -1.2% | ₹45,834 Cr +82.2% | ₹25,153 Cr +5.4% | ₹23,869 Cr |
| Income on Investments | ₹22,693 Cr -4.0% | ₹23,631 Cr +3.5% | ₹22,829 Cr +5.5% | ₹21,636 Cr +7.3% | ₹20,159 Cr -4.2% | ₹21,035 Cr +95.9% | ₹10,736 Cr +17.3% | ₹9,149 Cr |
| ₹21,965 Cr +1.9% | ₹21,562 Cr +21.0% | ₹17,813 Cr +11.9% | ₹15,915 Cr +17.7% | ₹13,524 Cr -2.7% | ₹13,899 Cr +140.1% | ₹5,789 Cr +14.8% | ₹5,042 Cr | |
| Total Income | ₹1.30 Lakh Cr -0.3% | ₹1.30 Lakh Cr +10.0% | ₹1.18 Lakh Cr +21.7% | ₹97,079 Cr +18.7% | ₹81,754 Cr -1.8% | ₹83,211 Cr +92.3% | ₹43,268 Cr +9.9% | ₹39,355 Cr |
| Interest Expended | ₹69,288 Cr -2.0% | ₹70,733 Cr +11.6% | ₹63,364 Cr +31.9% | ₹48,033 Cr +19.5% | ₹40,178 Cr -8.9% | ₹44,112 Cr +70.7% | ₹25,837 Cr +8.1% | ₹23,896 Cr |
| Employee Cost | ₹15,581 Cr +3.9% | ₹14,996 Cr +2.8% | ₹14,593 Cr +16.5% | ₹12,524 Cr +22.0% | ₹10,264 Cr +11.2% | ₹9,231 Cr +166.5% | ₹3,464 Cr +7.0% | ₹3,237 Cr |
| Other Operating Expenses | ₹14,863 Cr +13.9% | ₹13,048 Cr +9.5% | ₹11,913 Cr +8.7% | ₹10,963 Cr +16.1% | ₹9,439 Cr -10.3% | ₹10,521 Cr +122.7% | ₹4,724 Cr +2.3% | ₹4,619 Cr |
| Provisions & Contingencies | ₹3,738 Cr -51.9% | ₹7,778 Cr +14.2% | ₹6,811 Cr -49.2% | ₹13,412 Cr +0.8% | ₹13,307 Cr -21.8% | ₹17,019 Cr +56.4% | ₹10,885 Cr -5.6% | ₹11,536 Cr |
| Total Expenditure | ₹99,731 Cr +1.0% | ₹98,778 Cr +9.9% | ₹89,870 Cr +25.7% | ₹71,520 Cr +19.4% | ₹59,881 Cr -6.2% | ₹63,864 Cr +87.7% | ₹34,025 Cr +7.2% | ₹31,752 Cr |
| Profit Before Tax | ₹26,083 Cr +11.4% | ₹23,424 Cr +8.9% | ₹21,508 Cr +77.1% | ₹12,146 Cr +41.8% | ₹8,566 Cr +268.1% | ₹2,327 Cr ↑ Recovery | (₹4,151 Cr) -5.5% | (₹3,933 Cr) |
| Tax | ₹6,070 Cr +10.3% | ₹5,503 Cr -29.4% | ₹7,799 Cr +109.9% | ₹3,716 Cr +10.7% | ₹3,358 Cr ↑ Recovery | (₹501 Cr) +54.9% | (₹1,110 Cr) -11.1% | (₹1000 Cr) |
| Net Profit | ₹20,012 Cr +11.7% | ₹17,921 Cr +30.7% | ₹13,709 Cr +62.6% | ₹8,430 Cr +61.9% | ₹5,209 Cr +84.2% | ₹2,828 Cr ↑ Recovery | (₹3,041 Cr) -3.7% | (₹2,933 Cr) |
| Profit (Owners) | ₹20,644 Cr +14.5% | ₹18,027 Cr +30.7% | ₹13,797 Cr +62.1% | ₹8,512 Cr +61.7% | ₹5,265 Cr +83.9% | ₹2,863 Cr ↑ Recovery | (₹3,121 Cr) -6.8% | (₹2,922 Cr) |
| EPS | ₹27.05 | ₹23.62 | ₹18.07 | ₹12.45 | ₹7.70 | ₹4.47 | (₹9.12) | (₹16.58) |
| Diluted Shares | ₹763 Cr | ₹763 Cr | ₹763 Cr | ₹683 Cr | ₹683 Cr | ₹641 Cr | ₹342 Cr | ₹176 Cr |
| Other Interest | ₹897 Cr +120.9% | ₹406 Cr -18.7% | ₹499 Cr -4.2% | ₹521 Cr -17.7% | ₹633 Cr +96.2% | ₹323 Cr -16.2% | ₹385 Cr +327.1% | ₹90 Cr |
| Profit Loss Of Associates | ₹632 Cr +497.0% | ₹106 Cr +20.0% | ₹88 Cr +8.4% | ₹81 Cr +43.1% | ₹57 Cr +60.6% | ₹35 Cr ↑ Recovery | (₹80 Cr) ↓ Decline | ₹11 Cr |
| Interest (RBI & Others) | ₹2,973 Cr -42.0% | ₹5,125 Cr +4.8% | ₹4,891 Cr +129.4% | ₹2,132 Cr -0.6% | ₹2,144 Cr +1.2% | ₹2,119 Cr +75.8% | ₹1,206 Cr -0.0% | ₹1,206 Cr |
Union Bank of India has informed the Exchange about Transcript
Union Bank of India has informed the Exchange about Copy of Newspaper Publication
Union Bank of India has informed the Exchange about Link of Recording
Union Bank of India has informed the Exchange about Investor Presentation
Union Bank of India has informed the Exchange regarding a press release dated July 15, 2026, titled "Press Release on the Financial Results of the Bank for the Quarter ended on June 30, 2026.".
Union Bank of India has informed the Exchange about General Updates
Union Bank of India has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
Union Bank of India has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
Union Bank of India has informed the Exchange about Retirement
Union Bank of India has informed the Exchange regarding Cessation of Mr Sanjay Rudra as Executive Director of the company w.e.f. July 01, 2026, on completion of his tenure on 30th June 2026.
Union Bank of India has informed the Exchange regarding Outcome of Board Meeting held on May 26, 2026.
Union Bank of India has informed the Exchange regarding Outcome of Board Meeting held on May 26, 2026.
Union Bank of India has informed the Exchange regarding Outcome of Board Meeting held on May 26, 2026.
Union Bank of India has informed the Exchange regarding a revised press release dated April 23, 2026, titled "Press Release on the Financial Results of the Bank for the Quarter/Year ended on March 31,...
Union Bank of India has informed the Exchange regarding a press release dated April 23, 2026, titled "Press Release on the Financial Results of the Bank for the Quarter/Year ended on March 31, 2026".