Union Bank (I)

Why is Union Bank of India falling/rising?

As of 31-Jul, Union Bank of India’s stock price has risen to 171.15 due to strong financial performance, including a low NPA ratio of 2.65% and a high Capital Adequacy Ratio of 15.01%. The bank's impressive net profit growth and attractive valuation metrics further enhance investor confidence despite a recent decline in delivery volume.

As of 31-Jul, Union Bank of India is experiencing a slight rise in its stock price, currently at 171.15, with a change of 0.7 (0.41%) upward. This increase can be attributed to several positive factors surrounding the bank's performance and market position. <BR><BR>The bank has demonstrated strong lending practices, evidenced by a low Gross Non-Performing Assets (NPA) ratio of 2.65%, which indicates effective management of loan defaults. Additionally, Union Bank boasts a high Capital Adequacy Ratio of 15.01%, providing a solid buffer against risk-based assets, which enhances investor confidence. <BR><BR>The bank's net profit has shown impressive growth, with an annual increase of 39.61%, and it has reported positive results for the last three consecutive quarters. Notably, the Gross NPA is at its lowest, and the bank has declared the highest Dividend Per Share (DPS) at Rs 5.00, alongside a record Profit After Tax (PAT) of Rs 5,332.30 crore. <BR><BR>Moreover, the stock has performed well over the long term, generating a return of 30.65% over the past year and 92.28% over the last three years, significantly outperforming the benchmark Sensex, which has seen a decline of 3.81% in the same period. The stock is also trading at a fair value compared to its peers, with a Price to Book Value ratio of 1, and a PEG ratio of 0.8, indicating attractive valuation metrics.<BR><BR>Despite a recent decline in investor participation, with a 28% drop in delivery volume compared to the 5-day average, the overall fundamentals and institutional holdings at 20.61% suggest a strong backing from knowledgeable investors, which can support the stock's price stability and potential for further growth. <BR><BR>In summary, the combination of strong financial performance, effective risk management, and positive market sentiment contributes to the rising stock price of Union Bank of India.

Which are the latest news on Union Bank (I)?

Should I buy, sell or hold Union Bank of India?

Are Union Bank of India latest results good or bad?

Union Bank of India's latest Q1 FY27 results are positive, with a net profit of ₹5,332 crore (up 29.57% year-on-year) and improved asset quality, as the gross NPA ratio decreased to 2.65%. The bank's strong performance and operational efficiency suggest a favorable outlook for investors.

Union Bank of India's latest results for Q1 FY27 can be considered quite positive. The bank reported a net profit of ₹5,332 crore, which reflects a year-on-year increase of 29.57%. Additionally, net interest income rose by 10.15% year-on-year to ₹10,037 crore, marking the highest quarterly net interest income in the bank's recent history.<BR><BR>One of the standout achievements is the significant improvement in asset quality, with the gross non-performing asset (NPA) ratio declining to 2.65%, down from 3.52% a year ago. This indicates effective management of loan defaults and a healthier balance sheet. The net interest margin also improved to 2.80%, showcasing the bank's ability to generate profit from its lending activities.<BR><BR>Overall, the bank's performance demonstrates strong operational efficiency, improved profitability, and a solid return on equity of 15.49%, which is among the best in the public sector banking sector. The stock has responded positively to these developments, gaining 11.66% over the past week and outperforming the broader market significantly over the past year.<BR><BR>In summary, Union Bank's latest results reflect a strong turnaround with improving fundamentals, making it a favorable outlook for investors.

When is the next results date for Union Bank of India?

The next results date for Union Bank of India is 15 July 2026.

The next results date for Union Bank of India is scheduled for 15 July 2026.

What does Union Bank (I) do?

Union Bank of India, established in 1919, is a major state-owned bank in India with a market capitalization of INR 130,191 Cr. As of March 2026, it reported net sales of 26,439.01 Cr and a net profit of 5,316 Cr, with a dividend yield of 2.76%.

Overview:<BR>Union Bank of India is one of the largest state-owned banks in India, operating in the public sector banking industry with a large-cap market capitalization.<BR><BR>History:<BR>Union Bank of India was incorporated in the year 1919. It is a listed entity with the Government of India holding 74.76% of the bank's total share capital. The latest quarterly results reported are for March 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 26,439.01 Cr (Quarterly Results - Mar 2026)<BR>Most recent Net Profit: 5,316 Cr (Quarterly Results - Mar 2026)<BR>Market-cap value: INR 130,191 Cr (Large Cap)<BR><BR>Key Metrics:<BR>P/E: N/A<BR>Industry P/E: N/A<BR>Dividend Yield: 2.76%<BR>Debt-Equity: N/A<BR>ROE: N/A<BR>Price-to-Book: N/A<BR><BR>Contact Details:<BR>Address: 239 Vidhan Bhavan Marg, Nariman Point UnionBank Bhavan Mumbai Maharashtra : 400021<BR>Phone: 91-22-22896643/636<BR>Email: investorservices@unionbankofindia.c<BR>Website: http://www.unionbankofindia.co.in

How big is Union Bank (I)?

As of 10th June, Union Bank of India has a market capitalization of ₹130,191.00 Cr and reported a net profit of ₹18,697.14 Cr for the latest four quarters, with total assets of ₹15,02,886.27 Cr as of March 2025.

As of 10th June, <BR><BR>Market Cap: Union Bank of India has a market capitalization of 130,191.00 Cr, classified as Large Cap.<BR><BR>Recent Quarterly Performance: The company has reported net sales of 0.00 Cr for the latest quarters, with a net profit of 18,697.14 Cr for the latest four quarters ending in March 2026, December 2025, September 2025, and June 2025.<BR><BR>Balance Sheet Snapshot: The latest annual reporting period is March 2025, with shareholder's funds amounting to 1,12,975.21 Cr and total assets of 15,02,886.27 Cr.

Who are in the management team of Union Bank (I)?

The management team of Union Bank (I) includes key members such as Manimekhalai A (Managing Director & CEO), Nitesh Ranjan, Nidhu Saxena, and Ramasubramanian S (Executive Directors), along with directors, nominees, and independent directors, all contributing to the bank's strategic direction and operations.

The management team of Union Bank (I) includes the following key members:<BR><BR>1. **Manimekhalai A** - Managing Director & CEO<BR>2. **Nitesh Ranjan** - Executive Director<BR>3. **Nidhu Saxena** - Executive Director<BR>4. **Ramasubramanian S** - Executive Director<BR>5. **Jayadev M** - Director (Shareholders)<BR>6. **Priti Rao** - Director (Shareholder)<BR>7. **Arun Kumar Singh** - Nominee (RBI)<BR>8. **Sameer Shukla** - Nominee (Government)<BR>9. **Laxman S Uppar** - Part Time Non Official Independent Director<BR>10. **Suraj Srivastava** - Part Time Non Official Independent Director<BR>11. **S K Dash** - Company Secretary & Compliance Officer<BR>12. **SRINIVASAN VARADARAJAN** - Chairman (Non-Executive)<BR><BR>This team plays a crucial role in guiding the strategic direction and operations of the bank.

Who are the peers of the Union Bank (I)?

Union Bank (I) peers include SBI, Bank of Baroda, Punjab National Bank, Canara Bank, Indian Bank, Bank of India, Bank of Maharashtra, IOB, UCO Bank, and Central Bank. In terms of performance, Union Bank (I) has a 1-year return of 7.79%, with Bank of Maharashtra leading at 50.03%.

Peers: The peers of Union Bank (I) are SBI, Bank Of Baroda, Punjab Natl.Bank, Canara Bank, Indian Bank, Bank Of India, Bank of Maha, I O B, UCO Bank, and Central Bank.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bank of Maha, while Good management risk is found at SBI, Bank Of Baroda, Union Bank (I), Punjab Natl.Bank, Canara Bank, Indian Bank, Bank Of India, I O B, and UCO Bank. The rest have a Good rating. In terms of growth, Bank of Maha shows Excellent growth, while Good growth is noted at SBI, Bank Of Baroda, Union Bank (I), Punjab Natl.Bank, Canara Bank, Indian Bank, Bank Of India, I O B, and UCO Bank. The rest have a Good rating. For capital structure, Bank of Maha has a Good capital structure, while SBI, Bank Of Baroda, Union Bank (I), Punjab Natl.Bank, Canara Bank, Indian Bank, Bank Of India, I O B, and UCO Bank also show Good ratings.<BR><BR>Return Snapshot: Bank of Maha has the highest 1-year return at 50.03%, while I O B has the lowest at -17.20%. Union Bank (I) has a 1-year return of 7.79%, which is higher than I O B but lower than Bank of Maha. Additionally, peers such as Punjab Natl.Bank, I O B, UCO Bank, and Central Bank have negative six-month returns.

Is Union Bank (I) overvalued or undervalued?

As of October 31, 2025, Union Bank (I) is considered an attractive investment with strong growth potential, reflected in its undervalued PE ratio of 6.32, price to book value of 0.94, and PEG ratio of 0.36, alongside a 14.81% return on equity and a 3.16% dividend yield, outperforming the Sensex significantly.

As of 31 October 2025, Union Bank (I) has moved from a very attractive to an attractive valuation grade. The company is currently considered undervalued, with a PE ratio of 6.32, a price to book value of 0.94, and a PEG ratio of 0.36. These figures indicate a strong potential for growth relative to its price, especially in comparison to peers like SBI, which is rated very expensive with a PE of 11.84, and Bank of Baroda, which is also attractive with a PE of 7.32.<BR><BR>The bank's return on equity stands at 14.81%, and it boasts a dividend yield of 3.16%, further supporting its undervaluation thesis. Notably, Union Bank has outperformed the Sensex significantly over various time frames, including a year-to-date return of 23.43% compared to the Sensex's 7.42%. Overall, the combination of strong financial ratios and favorable comparisons to peers suggests that Union Bank (I) remains a solid investment opportunity.

How has been the historical performance of Union Bank (I)?

Union Bank (I) has demonstrated significant growth from March 2020 to March 2025, with interest earned increasing from 37,231.12 Cr to 1,07,725.97 Cr, and profit before tax recovering from a loss of 4,027.63 Cr to a profit of 23,479.06 Cr. Total assets rose from 5,52,972.03 Cr to 15,02,886.27 Cr, reflecting a strong expansion and improved capital adequacy ratio of 18.02%.

Answer:<BR>The historical performance of Union Bank (I) shows a significant upward trend in various financial metrics over the years, particularly from March 2020 to March 2025.<BR><BR>Breakdown:<BR>Union Bank (I) has experienced substantial growth in interest earned, rising from 37,231.12 Cr in March 2020 to 1,07,725.97 Cr in March 2025. This increase is driven by a notable rise in interest on advances, which reached 79,066.91 Cr in March 2025, up from 25,078.70 Cr in March 2020. Total income also surged, reaching 1,27,538.89 Cr in March 2025 compared to 42,491.91 Cr in March 2020. The bank's net interest income improved from 11,436.75 Cr in March 2020 to 37,213.67 Cr in March 2025. Profit before tax showed a remarkable recovery, moving from a loss of 4,027.63 Cr in March 2020 to a profit of 23,479.06 Cr in March 2025, while profit after tax also increased significantly from a loss of 2,897.78 Cr to 17,987.14 Cr in the same period. The bank's total assets grew from 5,52,972.03 Cr in March 2020 to 15,02,886.27 Cr in March 2025, reflecting a strong expansion in its balance sheet. Additionally, the capital adequacy ratio improved to 18.02% in March 2025 from 12.81% in March 2020, indicating a stronger capital position. Overall, Union Bank (I) has shown a robust recovery and growth trajectory across key financial metrics over the past several years.

Is Union Bank (I) technically bullish or bearish?

As of 28 October 2025, the technical trend has shifted to bullish, supported by strong indicators like the weekly MACD, Bollinger Bands, and On-Balance Volume, despite some mild bearish signals from the monthly MACD and KST.

As of 28 October 2025, the technical trend has changed from mildly bullish to bullish. The current technical stance is bullish with strong indicators supporting this view. The weekly MACD is bullish, and both the weekly and monthly Bollinger Bands are bullish. Daily moving averages also indicate a bullish trend. Although the monthly MACD and KST are mildly bearish, the overall strength is reinforced by the bullish signals from the On-Balance Volume (OBV) and Dow Theory, which are both bullish on a weekly and monthly basis. The stock has outperformed the Sensex significantly over various time frames, further indicating a strong bullish sentiment.

Who are the top shareholders of the Union Bank (I)?

The top shareholders of Union Bank (I) include the President of India with 74.76%, Life Insurance Corporation of India at 6.35%, and foreign institutional investors holding 7.11%. Mutual funds own 3.46%, while individual investors account for 5.83%, with no pledged promoter holdings reported.

The top shareholders of Union Bank (I) include the President of India, who holds the largest stake at 74.76%. Other significant shareholders are Life Insurance Corporation of India, which holds 6.35%, and foreign institutional investors (FIIs), who collectively own 7.11% through 598 different entities. Additionally, mutual funds hold 3.46% across 31 schemes, while individual investors account for 5.83% of the shareholding. There are no pledged promoter holdings reported.

Has Union Bank (I) declared dividend?

Yes, Union Bank of India has declared a 36% dividend, amounting to ₹3.6 per share, with an ex-date of July 19, 2024. The bank has shown strong total returns across various periods, highlighting positive growth for investors.

Union Bank of India has declared a 36% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 36%<BR>- Amount per share: 3.6<BR>- Ex-date: Jul-19-2024<BR><BR>Dividend Yield: 2.35%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was 18.67%, with no dividend return, resulting in a total return of 18.67%.<BR><BR>Over the past year, the price return was 5.67%, the dividend return was 2.46%, leading to a total return of 8.13%.<BR><BR>In the 2-year period, the price return was 112.11%, with a dividend return of 9.23%, culminating in a total return of 121.34%.<BR><BR>For the 3-year period, the price return reached 297.53%, while the dividend return was 18.99%, resulting in a total return of 316.52%.<BR><BR>In the last 4 years, the price return was 331.17%, with a dividend return of 21.63%, leading to a total return of 352.8%.<BR><BR>Over the past 5 years, the price return was 403.62%, and the dividend return was 26.23%, resulting in a total return of 429.85%.<BR><BR>Overall, Union Bank of India has shown strong total returns across multiple periods, with a significant dividend declaration that enhances shareholder value. The consistent growth in price returns alongside dividends indicates a positive trend for investors.