Union Bank of India

NSE: UNIONBANK · Financial Services

₹187.00-0.53%06 Nov 2026

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Instant answers about Union Bank of India — computed from its filings, no language model

Market cap₹1,42,749 cr

Current price₹187.00

High / Low₹202 / ₹142

P/E6.5

P/B0.99

Book value₹188.9

ROE15.3%

ROCE—

Debt / equity—

Dividend yield2.54%

EPS (TTM)₹28.82

Face value₹10

Price & valuation

split & bonus adjusted · pick a metric and range

Annual performance

annual · ₹ crore · line = operating margin

	FY20	FY21	FY22	FY23	FY24	FY26
Total income	43,268	83,211	81,754	97,079	1,18,188	1,28,400
Pre-provision op. profit	9,244	19,347	21,873	25,558	28,319	28,716
Operating margin	21.4%	23.3%	26.8%	26.3%	24.0%	22.4%
Interest	25,837	44,112	40,178	48,033	63,364	69,477
Profit before tax	-4,151	2,327	8,566	12,146	21,508	24,284
Tax	-1,110	-501	3,358	3,716	7,799	5,504
Net profit	-3,121	2,863	5,265	8,512	13,797	19,430
EPS ₹	-13.45	4.47	7.77	12.45	19.15	25.45
Operating cash flow	—	—	36,339	6,111	19,930	-35,798
Capex	—	—	750	3,066	1,649	3,224
Dividend paid	—	—	0	1,299	2,050	3,626
Total assets	5,55,509	10,82,377	—	—	14,01,996	15,87,503
Equity	33,885	64,634	—	—	97,598	1,33,551

Quarterly performance

last 28 quarters · ₹ crore

showing latest 8 of 28 periods

	JUN '19	SEP '19	DEC '19	MAR '20	JUN '20	SEP '20	DEC '20	MAR '21	JUN '21	SEP '21	MAR '22	JUN '22	SEP '22	DEC '22	MAR '23	JUN '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
Total income	10,054	10,753	10,985	11,476	20,487	20,812	21,009	20,902	20,667	21,622	19,354	21,204	23,475	24,635	27,764	27,822	28,952	29,802	31,612	31,325	32,812	31,749	32,344	32,215	32,002	32,675	32,660	33,471
Pre-provision op. profit	1,898	2,272	2,419	2,655	4,069	4,740	5,332	5,205	5,299	6,049	5,555	5,448	6,594	6,647	6,869	7,185	7,265	7,335	6,534	7,811	8,145	7,511	6,936	6,845	6,960	7,976	8,040	8,151
Operating margin	18.9%	21.1%	22.0%	23.1%	19.9%	22.8%	25.4%	24.9%	25.6%	28.0%	28.7%	25.7%	28.1%	27.0%	24.7%	25.8%	25.1%	24.6%	20.7%	24.9%	24.8%	23.7%	21.4%	21.2%	21.7%	24.4%	24.6%	24.4%
Other income	1,094	1,285	1,297	2,113	1,931	2,899	3,788	5,280	3,388	4,771	2,326	2,948	3,697	3,669	5,601	4,209	4,221	4,281	5,102	4,799	5,926	4,614	4,869	5,550	5,183	5,999	5,233	5,094
Interest	6,392	6,512	6,499	6,434	12,031	11,496	10,506	10,079	10,127	9,881	10,409	10,598	11,384	12,242	13,810	14,664	15,498	16,236	16,966	17,004	17,720	17,765	18,231	17,707	17,370	17,005	17,206	17,612
Profit before tax	366	-1,613	563	-3,468	479	599	38	1,211	1,706	2,330	2,005	2,165	2,493	3,576	3,912	5,180	5,492	5,554	5,281	4,954	6,406	5,889	5,269	5,453	6,638	6,926	7,067	7,449
Tax	143	-424	9	-838	147	75	-671	-51	600	831	464	608	654	1,340	1,114	1,940	1,944	1,944	1,971	1,354	1,684	1,292	1,132	1,171	1,609	1,592	1,699	1,878
Net profit	230	-1,192	554	-2,713	341	534	719	1,269	1,120	1,511	1,557	1,583	1,853	2,264	2,812	3,272	3,572	3,625	3,328	3,642	4,751	4,623	4,428	4,426	5,073	5,504	5,642	5,781
EPS ₹	1.31	-6.76	2.37	-7.93	0.53	0.83	1.12	1.98	1.70	2.25	2.30	2.32	2.71	3.31	4.11	4.79	5.14	4.89	4.44	4.77	6.22	6.06	5.80	5.80	6.65	7.21	7.39	7.57
Revenue YoY	—	—	—	—	103.8%	93.5%	91.2%	82.1%	0.9%	3.9%	-7.4%	2.6%	8.6%	—	43.5%	31.2%	23.3%	21.0%	13.9%	12.6%	13.3%	6.5%	3.3%	-1.8%	0.8%	—	1.0%	3.9%
Profit YoY	—	—	—	—	48.2%	—	29.8%	—	228.5%	183.0%	22.7%	41.3%	22.7%	—	80.6%	106.7%	92.7%	60.2%	18.4%	11.3%	33.0%	27.5%	21.6%	-6.8%	9.7%	—	27.4%	30.6%

Earlier results (standalone, Sep '07 – Mar '19)

₹ crore · from BSE, before the NSE XBRL filings begin

Union Bank of India reports consolidated figures above. Quarterly consolidated results only became mandatory in India in 2019, so the earlier history available is the standalone company only (excluding subsidiaries). It is shown separately so the two bases are never mixed.

Full years

showing latest 8 of 11 periods

	FY09†	FY10†	FY11†	FY12†	FY13†	FY14†	FY15†	FY16†	FY17†	FY18†	FY19†
Total income	13,372	15,277	18,491	23,477	27,677	32,171	35,607	35,831	37,625	37,738	38,541
Pre-provision op. profit	3,082	3,659	4,305	5,254	5,583	5,218	5,823	5,722	7,430	7,540	7,341
Operating margin	23.0%	24.0%	23.3%	22.4%	20.2%	16.2%	16.4%	16.0%	19.7%	20.0%	19.0%
Other income	1,456	2,041	2,039	2,332	2,552	2,822	3,523	3,632	4,965	4,990	4,474
Interest	8,076	9,110	10,236	14,235	17,582	21,470	23,640	23,886	23,757	23,443	23,852
Profit before tax	2,345	2,833	2,956	2,713	3,064	2,069	2,783	1,765	343	-6,641	-3,927
Tax	618	758	874	926	906	373	1,002	414	-213	-1,394	-979
Net profit	1,727	2,075	2,082	1,787	2,158	1,696	1,782	1,352	555	-5,247	-2,947

Quarters

showing latest 8 of 47 periods

	SEP '07†	DEC '07†	MAR '08†	JUN '08†	SEP '08†	DEC '08†	MAR '09†	JUN '09†	SEP '09†	DEC '09†	MAR '10†	JUN '10†	SEP '10†	DEC '10†	MAR '11†	JUN '11†	SEP '11†	DEC '11†	MAR '12†	JUN '12†	SEP '12†	DEC '12†	MAR '13†	JUN '13†	SEP '13†	DEC '13†	MAR '14†	JUN '14†	SEP '14†	DEC '14†	MAR '15†	JUN '15†	SEP '15†	DEC '15†	MAR '16†	JUN '16†	SEP '16†	DEC '16†	MAR '17†	JUN '17†	SEP '17†	DEC '17†	MAR '18†	JUN '18†	SEP '18†	DEC '18†	MAR '19†
Total income	2,526	2,806	2,913	2,755	3,115	3,654	3,849	3,704	3,761	3,758	4,054	4,121	4,462	4,693	5,216	5,400	5,611	5,967	6,499	6,561	6,656	6,959	7,501	7,614	7,882	8,230	8,445	8,548	8,755	8,921	9,384	9,043	9,101	8,802	8,884	8,917	9,348	9,589	9,771	9,568	9,440	9,134	9,597	9,909	9,438	9,573	9,621
Pre-provision op. profit	528	636	891	616	700	855	911	787	810	914	1,148	1,044	1,131	1,261	870	1,166	1,205	1,284	1,599	1,267	1,273	1,358	1,685	1,412	1,225	1,262	1,320	1,372	1,334	1,465	1,652	1,488	1,490	1,334	1,410	1,625	1,820	1,851	2,134	2,057	1,939	1,655	1,889	2,089	1,772	1,750	1,730
Operating margin	20.9%	22.7%	30.6%	22.4%	22.5%	23.4%	23.7%	21.3%	21.5%	24.3%	28.3%	25.3%	25.3%	26.9%	16.7%	21.6%	21.5%	21.5%	24.6%	19.3%	19.1%	19.5%	22.5%	18.5%	15.5%	15.3%	15.6%	16.1%	15.2%	16.4%	17.6%	16.5%	16.4%	15.2%	15.9%	18.2%	19.5%	19.3%	21.8%	21.5%	20.5%	18.1%	19.7%	21.1%	18.8%	18.3%	18.0%
Other income	271	347	311	222	283	392	559	529	555	465	493	435	510	494	601	484	501	592	755	491	546	640	875	756	611	680	774	691	811	877	1,143	783	959	893	996	1,040	1,139	1,340	1,446	1,415	1,217	873	1,485	1,208	899	1,095	1,272
Interest	1,582	1,671	1,769	1,723	1,856	2,133	2,363	2,374	2,342	2,229	2,166	2,338	2,416	2,584	2,899	3,326	3,449	3,594	3,867	4,248	4,260	4,428	4,646	4,948	5,317	5,587	5,618	5,739	5,859	5,923	6,120	6,130	6,040	5,913	5,803	5,774	5,931	6,113	5,938	5,910	5,902	5,712	5,919	6,075	6,046	5,983	5,748
Profit before tax	431	525	526	320	496	900	628	597	675	753	808	846	532	861	716	737	582	311	1,082	749	786	501	1,029	730	288	651	399	979	548	613	642	846	978	96	-155	272	199	181	-310	353	-1,616	-1,600	-3,779	-140	116	133	-4,036
Tax	155	160	4	92	135	228	163	155	170	219	214	245	228	282	119	273	230	114	308	237	231	199	240	170	80	302	-180	315	177	311	199	327	320	18	-251	106	23	77	-418	236	-85	-350	-1,195	-270	-23	-20	-667
Net profit	276	365	521	228	361	672	465	442	505	534	594	601	303	580	598	464	353	197	773	512	555	302	789	560	208	349	579	664	371	302	444	519	658	79	96	166	177	104	108	117	-1,531	-1,250	-2,583	130	139	153	-3,369
EPS ₹	5.46	7.23	10.32	4.52	7.16	13.30	9.21	8.75	10.00	10.57	11.75	11.91	6.01	11.46	11.38	8.86	6.72	3.76	14.74	9.29	10.07	5.49	14.15	9.39	3.49	5.79	9.19	10.54	5.88	4.76	6.98	8.16	10.34	1.14	1.40	2.42	2.57	1.51	1.58	1.70	-21.87	-16.63	-29.59	1.11	1.19	1.31	-28.19
Revenue YoY	—	—	—	—	23.3%	30.2%	32.1%	34.5%	20.8%	2.9%	5.3%	11.2%	18.6%	24.9%	28.7%	31.0%	25.8%	27.1%	24.6%	21.5%	18.6%	16.6%	15.4%	16.0%	18.4%	18.3%	12.6%	12.3%	11.1%	8.4%	11.1%	5.8%	4.0%	-1.3%	-5.3%	-1.4%	2.7%	8.9%	10.0%	7.3%	1.0%	-4.8%	-1.8%	3.6%	-0.0%	4.8%	0.3%
Profit YoY	—	—	—	—	31.1%	84.0%	-10.8%	93.7%	39.7%	-20.5%	27.6%	36.0%	-39.9%	8.5%	0.7%	-22.8%	16.2%	-66.0%	29.4%	10.2%	57.3%	53.5%	2.1%	9.5%	-62.5%	15.4%	-26.7%	18.5%	78.4%	-13.3%	-23.4%	-21.9%	77.2%	-74.0%	-78.3%	-67.9%	-73.2%	32.4%	12.6%	-29.9%	-966.4%	-1301.8%	-2486.9%	11.1%	—	—	—

Returns & margins

trailing-twelve-month, per quarter

showing latest 8 of 19 periods

	MAR '20	JUN '20	SEP '20	DEC '20	MAR '21	JUN '21	SEP '21	DEC '22	MAR '23	JUN '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '26	JUN '26	SEP '26
ROE	-9.2%	-8.9%	-3.8%	-3.3%	4.4%	5.6%	7.1%	9.7%	11.4%	13.7%	13.2%	14.7%	14.1%	14.5%	14.3%	15.2%	14.5%	15.5%	15.3%
Net margin	-7.2%	-5.6%	-2.0%	-1.5%	3.4%	4.4%	5.5%	8.2%	8.8%	9.8%	10.9%	11.6%	11.7%	11.6%	12.2%	12.8%	15.0%	15.9%	16.8%
EBITDA margin	21.4%	21.3%	21.8%	22.8%	23.3%	24.7%	26.0%	27.3%	26.3%	26.3%	25.6%	25.1%	24.0%	23.8%	23.8%	23.5%	22.2%	23.0%	23.8%
Asset turnover	0.08	0.10	0.11	0.13	0.08	0.08	0.08	0.07	0.08	0.09	0.08	0.09	0.08	0.09	0.09	0.09	0.08	0.08	0.08

Balance sheet

equity vs borrowings over time · ₹ crore

showing latest 6 of 14 periods

	MAR '14‡	MAR '15‡	MAR '16‡	MAR '17‡	MAR '19‡	MAR '20‡	MAR '21‡	SEP '22	SEP '23	MAR '24	SEP '24	SEP '25	MAR '26	SEP '26
Share capital	741	636	687	687	1,763	3,423	6,407	6,939	7,516	7,738	7,738	7,738	7,738	7,738
Reserves	18,004	19,263	22,361	22,884	24,969	30,463	58,227	67,577	82,927	89,860	99,930	1,18,157	1,25,814	1,36,443
Total equity	18,745	19,899	23,048	23,571	26,732	33,885	64,634	74,515	90,443	97,598	1,07,667	1,25,895	1,33,551	1,44,180
Deposits	2,97,651	3,17,450	3,44,118	3,79,687	4,17,505	4,52,436	9,25,654	10,45,719	11,40,060	12,24,593	12,45,177	12,37,050	13,09,759	13,22,310
Borrowings	29,316	35,168	30,637	41,226	43,276	52,714	51,922	56,636	52,652	26,974	25,940	69,197	77,798	1,01,957
Total assets	3,55,014	3,83,569	4,07,365	4,55,669	4,98,581	5,55,509	10,82,377	12,12,000	13,23,047	14,01,996	14,24,200	14,90,323	15,87,503	16,24,866
Advances	2,29,105	2,55,921	2,68,250	2,87,950	2,98,780	3,17,677	5,93,320	7,30,210	8,06,612	8,74,080	9,00,661	9,51,796	10,57,188	11,36,280
Investments	94,636	85,818	90,573	1,13,441	1,28,391	1,54,251	3,39,059	3,46,006	3,47,470	3,43,953	3,60,309	3,57,747	3,43,623	3,48,774
Fixed assets	2,623	2,694	3,952	3,905	3,774	4,776	7,366	7,103	8,546	9,260	9,249	9,999	11,660	11,651
Cash & bank balances	23,321	22,603	29,617	32,906	43,163	55,249	84,763	78,336	1,09,824	1,19,646	1,04,812	1,13,550	96,043	54,362

Cash flow

annual · ₹ crore · line = free cash flow

showing latest 5 of 11 periods

	FY14‡	FY15‡	FY16‡	FY17‡	FY19‡	FY20‡	FY21‡	FY22	FY23	FY24	FY26
Cash from operations	2,570	-3,567	8,077	-36	-7,778	-7,681	20,527	36,339	6,111	19,930	-35,798
Cash from investing	-363	-318	-872	-280	-297	-377	-601	-326	-2,561	-1,394	-7,075
Cash from financing	4,902	3,168	-191	3,605	1,758	20,144	-18,861	-1,018	-10,654	-11,489	7,729
Capex	380	346	—	—	315	394	719	750	3,066	1,649	3,224
Free cash flow	2,190	-3,914	—	—	-8,094	-8,075	19,808	35,589	3,046	18,281	-39,022
Dividends paid	—	—	—	—	—	—	—	0	1,299	2,050	3,626

Where the assets sit

Sep '26 · ₹ crore

Advances

₹11,36,280 cr70%

Investments

₹3,48,774 cr21%

Fixed assets

₹11,651 cr1%

Cash & bank

₹54,362 cr3%

Other assets

₹73,798 cr5%

Peer comparison

largest in Financial Services · this company in bold

Company	Market cap ₹cr	Price	P/E	P/B	ROE
HDFC Bank Ltd.	12,15,371	788.25	15.2	2.01	13.3%
ICICI Bank Ltd.	11,28,090	1,571.20	19.1	2.75	14.4%
State Bank of India	9,40,157	1,018.50	10.4	1.36	13.1%
Bajaj Finance Ltd.	6,77,005	1,087.75	—	—	—
Kotak Mahindra Bank Ltd.	4,77,499	480.00	22.2	2.45	11.0%
Axis Bank Ltd.	4,11,911	1,322.90	13.8	1.79	13.0%
Shriram Finance Ltd.	2,26,163	961.15	—	—	—
BSE Ltd.	1,55,002	3,800.00	50.3	19.49	38.8%
Cholamandalam Investment and Finance Company Ltd.	1,53,126	1,785.00	—	—	—
Jio Financial Services Ltd.	1,52,665	231.20	—	—	—
Union Bank of India	1,42,749	187.00	6.5	0.99	15.3%

StoxGud checklist: Bullish setup · 8/10

Price above 50-day average
Price above 200-day average
50-day average above 200-day (uptrend)
RSI in healthy 40–70 zone
Positive 1-year return
Return on equity above 15%
Debt to equity below 1
Revenue growing year on year
Net profit margin above 10%
P/E below industry median

A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.

Returns & technicals

1 month+8.0%

6 months+11.8%

1 year+28.0%

3Y CAGR+21.7%

5Y CAGR+28.3%

10Y CAGR+3.5%

50-day avg₹179.50

200-day avg₹176.77

RSI (14)72

Long-term financials (FY15–FY16)

from published annual reports

Year	Revenue	Profit before tax	Net profit
FY16	₹32,316 Cr	—	₹1,356 Cr
FY15	₹32,164 Cr	—	₹1,761 Cr

Years before FY17 follow the older Indian GAAP standard, so they are not exactly comparable with recent years.

Compare Union Bank of India with

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FAQs

What is the share price of Union Bank of India?

Union Bank of India (UNIONBANK) closed at ₹187.00 on NSE on 06 Nov 2026.

What is the market cap of Union Bank of India?

₹1,42,749 crore at the latest close.

What is the P/E ratio of Union Bank of India?

6.5, on trailing-twelve-month earnings from its filings.

How fast is Union Bank of India growing?

Union Bank of India: revenue has compounded at 16.2% a year over three years; net profit at 54.5% a year. Latest-quarter revenue is up 3.9% year on year, profit up 30.6%.

How profitable is Union Bank of India?

On a trailing-twelve-month basis return on equity is 15.3%, operating margin 23.8%, net margin 16.8%.

How much debt does Union Bank of India have?

Debt to equity isn't meaningful for Union Bank of India (banks borrow as part of their business) or isn't filed yet.

Financials parsed from Union Bank of India's own XBRL filings to NSE (consolidated), ₹ crore unless marked. Quarterly from JUN '19, annual from FY20, balance sheet from Mar '14. * = derived (full year or half year minus earlier quarters). ‡ = balance sheet / cash flow read from the company's published annual report (same basis), for years before the NSE filings carry them; each one checked to add up. Information only, not investment advice.