Union Bank (I)

  • Market Cap: Large Cap
  • Industry: Public Sector Bank
  • ISIN: INE692A01016
  • NSEID: UNIONBANK
  • BSEID: 532477
INR
151.90
-0.45 (-0.3%)
BSENSE

Dec 05

BSE+NSE Vol: 3.09 lacs

  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

3.09 lacs (270.22%) Volume

Shareholding (Sep 2025)

FII

7.86%

Held by 615 FIIs

DII

0.28%

Held by 177 DIIs

Promoter

74.76%

Has Union Bank (I) declared dividend?

06-Jun-2025

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.

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

03-Jun-2025

Union Bank (I) peers include St Bk of India, Bank Of Baroda, Punjab Natl.Bank, Canara Bank, Indian Bank, I O B, Bank Of India, Bank of Maha, UCO Bank, and Central Bank. Indian Bank leads with a 1-year return of 5.35%, while Union Bank (I) has a return of -10.82%.

Peers: The peers of Union Bank (I) are St Bk of India, Bank Of Baroda, Punjab Natl.Bank, Canara Bank, Indian Bank, I O B, Bank Of India, Bank of Maha, UCO Bank, and Central Bank.<BR><BR>Quality Snapshot: Excellent management risk is observed at St Bk of India, Bank Of Baroda, Canara Bank, Indian Bank, Bank Of India, and Bank of Maha, while Average management risk is found at Punjab Natl.Bank, I O B, UCO Bank, and Central Bank. Growth is excellent at Bank Of Baroda, Punjab Natl.Bank, Canara Bank, Indian Bank, and Bank of Maha, while Average growth is noted at I O B and UCO Bank. Good capital structure is seen at Bank Of Baroda, Punjab Natl.Bank, Union Bank (I), Canara Bank, Indian Bank, Bank Of India, and Bank of Maha, while Average capital structure is found at St Bk of India, I O B, UCO Bank, and Central Bank.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Indian Bank at 5.35%, while I O B has the lowest at -44.22%. Union Bank (I) has a 1-year return of -10.82%, which is higher than I O B but lower than Indian Bank. Additionally, UCO Bank and Central Bank have negative six-month returns.

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

16-Jul-2025

As of March 2023, the management team of Union Bank (I) includes Manimekhalai A (Managing Director & CEO), Nitesh Ranjan, Nidhu Saxena, and Ramasubramanian S (Executive Directors), along with several directors and nominees. This team oversees the bank's operations and strategic direction.

As of March 2023, the management team of Union Bank (I) includes the following 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 (Govt)<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 is responsible for overseeing the bank's operations and strategic direction.

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What does Union Bank (I) do?

17-Jul-2025

Union Bank of India is a major state-owned public sector bank in India, with a market capitalization of INR 112,176 Cr and reported net sales of 27,695.22 Cr and net profit of 4,985 Cr for March 2025. The government holds a 74.76% stake in the bank.

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 early 20th century and has since become a listed entity with the Government of India holding a 74.76% stake. The latest quarterly results reported are for March 2025.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 27,695.22 Cr (Quarterly Results - Mar 2025)<BR>Most recent Net Profit: 4,985 Cr (Quarterly Results - Mar 2025)<BR>Market-cap value: INR 112,176 Cr (Large Cap)<BR><BR>Key Metrics:<BR>Industry: Public Sector Bank<BR>Dividend Yield: 2.46%<BR>CAR: 16.24%<BR>Return on Assets: 1.20%<BR>Net NPA: 0.63%<BR>Gross NPA: 3.60%<BR>P/E: N/A<BR>Industry P/E: N/A<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

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

17-Jul-2025

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.

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When is the next results date for Union Bank (I)?

17-Jul-2025

Union Bank (I) will announce its results on 19 July 2025.

Union Bank (I) will declare its results on 19 July 2025.

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How big is Union Bank (I)?

24-Jul-2025

As of 24th July, Union Bank of India has a market capitalization of 109,466.00 Cr and reported a net profit of 18,423.82 Cr, with shareholder's funds at 1,12,975.21 Cr and total assets of 15,02,886.27 Cr. No valid data for net sales was found.

As of 24th July, Union Bank of India has a market capitalization of 109,466.00 Cr, categorizing it as a Large Cap company.<BR><BR>In the latest four quarters, the company reported net sales of 0.00 Cr, indicating no valid data found for sales. The net profit for the same period is 18,423.82 Cr.<BR><BR>The latest annual reporting period for the balance sheet is March 2025. Shareholder's funds are valued at 1,12,975.21 Cr, while total assets amount to 15,02,886.27 Cr.

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Is Union Bank (I) technically bullish or bearish?

29-Oct-2025

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.

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Are Union Bank (I) latest results good or bad?

30-Oct-2025

Union Bank's latest Q2 FY26 results show a net profit increase of 3.25% quarter-on-quarter but a 9.97% decline year-on-year, indicating mixed performance. While asset quality has improved with lower NPAs, margin compression and declining profitability metrics suggest cautious optimism for investors.

Union Bank's latest results for Q2 FY26 present a mixed picture. On one hand, the bank reported a net profit of ₹4,249 crores, which is a 3.25% increase compared to the previous quarter, indicating some positive momentum. However, this figure reflects a significant decline of 9.97% year-on-year, which raises concerns about profitability trends.<BR><BR>One of the highlights of the quarter is the improvement in asset quality, with gross non-performing assets (NPAs) decreasing to 3.29%, marking a multi-year low. This is a positive development, showing the bank's effective management of credit risks. Additionally, the provision coverage ratio remains strong at 94.65%, providing a solid buffer against potential credit losses.<BR><BR>On the downside, the bank faced challenges with margin compression, as the net interest margin (NIM) fell to 2.76%, down from 2.87% in the previous quarter. This decline, along with a decrease in net interest income, reflects pressures from rising costs of funds and a challenging operating environment.<BR><BR>Overall, while Union Bank has made strides in improving its asset quality and maintaining a strong capital position, the declining profitability metrics and margin pressures suggest that the results are not entirely positive. Investors may want to approach with cautious optimism, keeping an eye on how the bank navigates these challenges in the coming quarters.

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

30-Oct-2025

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.

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Should I buy, sell or hold Union Bank (I)?

31-Oct-2025

Is Union Bank (I) overvalued or undervalued?

03-Nov-2025

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.

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Why is Union Bank (I) falling/rising?

04-Dec-2025

As of 04-Dec, Union Bank of India’s stock price is rising due to strong long-term performance, increased investor participation, and solid financial fundamentals, including a high dividend yield and attractive valuation. These factors indicate positive market sentiment and growing interest among investors.

As of 04-Dec, Union Bank of India’s stock price is rising, currently at 152.35, with an increase of 0.95 (0.63%). This upward movement can be attributed to several factors. Firstly, the stock has demonstrated strong performance over the long term, with a year-to-date increase of 26.59% compared to the Sensex's 9.12%. Additionally, the stock has outperformed the sector by 0.78% today, indicating positive market sentiment.<BR><BR>Investor participation has also increased, as evidenced by a delivery volume of 1.25 crore on December 3, which is up by 89.73% against the 5-day average. This surge in trading activity suggests growing interest among investors. Furthermore, the stock is trading at a high dividend yield of 3.11%, which can attract income-focused investors.<BR><BR>The company’s strong financial fundamentals, including a robust provision coverage ratio of 76.02% and a significant compound annual growth rate (CAGR) of 65.85% in net profits, further support the stock's rising price. The attractive valuation, with a price-to-book value of 1, indicates that the stock is trading at a discount compared to its peers, making it appealing for potential investors.<BR><BR>Overall, these factors contribute to the positive momentum in Union Bank of India's stock price.

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iScoreScore
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Strong Sell
Sell
Hold
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Strong Buy

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Dashboard
1

Strong Provisioning Practices with a Provision Coverage Ratio of 76.02%

 
2

Strong Long Term Fundamental Strength with a 65.85% CAGR growth in Net Profits

 
3

Healthy long term growth as Net profit has grown by an annual rate of 65.85%

 
4

Negative results in Sep 25

5

With ROA of 1.2, it has a Attractive valuation with a 1 Price to Book Value

6

Majority shareholders : Promoters

 
7

Market Beating performance in long term as well as near term

stock-summaryMojo Parameters
Mojo Parameters
Loading Valuation Snapshot...
Stock DNA
stock-summary
Industry

Public Sector Bank

stock-summary
Market cap

INR 115,954 Cr (Large Cap)

stock-summary
Dividend Yield

3.09%

stock-summary
CAR

15.58%

stock-summary
Return on Assets

1.22%

stock-summary
Net NPA

0.55%

stock-summary
Gross NPA

3.29%

Revenue and Profits:
Int. Earned:
26,650.24 Cr
(Quarterly Results - Sep 2025)
Net Profit:
4,249 Cr
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
Dividend Yield (3.09%)
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
19.32%
0%
19.32%
6 Months
-0.65%
3.03%
2.38%
1 Year
18.76%
3.63%
22.39%
2 Years
32.55%
6.74%
39.29%
3 Years
83.12%
13.89%
97.01%
4 Years
230.22%
30.73%
260.95%
5 Years
387.64%
41.84%
429.48%

Latest dividend: 4.7 per share ex-dividend date: Jul-25-2025

Risk Adjusted Returns v/s stock-summary
Returns Beta
Icon
Beta has not been calculated since enough price history is not available
stock-summaryNews & Corporate Actions
Announcements stock-summary

Certificate For Timely Payment Of Annual Interest On Bonds ISIN INE692A08219

29-Nov-2025 | Source : BSE

Certificate for timely Payment of Annual Interest on Bonds ISIN INE692A08219

Certificate For Timely Payment Of Annual Interest On Bonds ISIN INE692A08201

29-Nov-2025 | Source : BSE

Certificate for timely payment of Annual Interest on Bonds ISIN INE692A08201

Certificate For Timely Payment Of Annual Interests On Bond

26-Nov-2025 | Source : BSE

Certificate for Timely Payment of Annual Interest on Bond

Corporate Actions stock-summary
stock-summary
BOARD MEETING

No Upcoming Board Meetings

stock-summary
DIVIDEND

Union Bank of India has declared 47% dividend, ex-date: 25 Jul 25

stock-summary
SPLITS

No Splits history available

stock-summary
BONUS

No Bonus history available

stock-summary
RIGHTS

No Rights history available

stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Net Interest Income Growth (5y)
16.88%
Net Profit Growth (5y)
65.85%
Advance to Deposit
70.96%
Capital Adequacy Ratio (Tier 1)
13.79%
Gross NPA (latest)
3.29%
Gross NPA (avg)
7.02%
Coverage Ratio (avg)
76.02%
Cost to Income (avg)
46.42%
Net Interest Margin (avg)
2.86%
Operating Profit to Assets (avg)
4.01%
ROA (avg)
0.83%
Net Debt to Equity (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
6
Price to Book Value
0.96
PEG Ratio
0.37
Dividend Yield
3.08%
ROE (Latest)
14.81%
ROA (Latest)
1.22%
Net NPA to Book Value
4.30
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bullish
Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Sep 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Promoters

Pledged Promoter Holdings

None

Mutual Funds

Held by 33 Schemes (3.76%)

FIIs

Held by 615 FIIs (7.86%)

Promoter with highest holding

President Of India (74.76%)

Highest Public shareholder

Life Insurance Corporation Of India - Ulif00420091 (5.86%)

Individual Investors Holdings

5.17%

stock-summaryFinancial
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        "suffix": "YoY Growth in nine months ended Dec 2024 is 25.77% vs 82.94% in Dec 2023",
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          "field": "Operating Profit (PBDIT)",
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    "header": "Annual Results Snapshot (Standalone) - Mar'25",
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        "suffix": "YoY Growth in year ended Mar 2025 is 7.97% vs 23.57% in Mar 2024",
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        "suffix": "YoY Growth in year ended Mar 2025 is 31.79% vs 61.84% in Mar 2024",
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          "val2": "1.03%",
          "chgp": "-0.40%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "3.60%",
          "val2": "4.76%",
          "chgp": "-1.16%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "17,987.14",
          "val2": "13,648.31",
          "chgp": "31.79%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Standalone) - Sep'25 - QoQstock-summary
Sep'25
Jun'25
Change(%)
Interest Earned
26650.24
27295.56
-2.36%
Operating Profit (PBDIT)
6,813.95
6,908.66
-1.37%
% of Net NPAs
0.55%
0.62%
-0.07%
% of Gross NPAs
3.29%
3.52%
-0.23%
Exceptional Items
0.00
0.00
Net Profit
4,249.08
4,115.53
3.25%
Values in Rs Cr.
Direction Arrows
Interest Earned

QoQ Growth in quarter ended Sep 2025 is -2.36% vs -1.44% in Jun 2025

Direction Arrows
Net Profit

QoQ Growth in quarter ended Sep 2025 is 3.25% vs -17.44% in Jun 2025

Half Yearly Results Snapshot (Standalone) - Sep'25stock-summary
Sep'25
Sep'24
Change(%)
Interest Earned
53945.8
53072.82
1.64%
Operating Profit (PBDIT)
13,722.61
15,898.07
-13.68%
% of Net NPAs
0.55%
0.98%
-0.43%
% of Gross NPAs
3.29%
4.36%
-1.07%
Exceptional Items
0.00
0.00
Net Profit
8,364.61
8,398.59
-0.40%
Values in Rs Cr.
Direction Arrows
Interest Earned

Growth in half year ended Sep 2025 is 1.64% vs 10.42% in Sep 2024

Direction Arrows
Net Profit

Growth in half year ended Sep 2025 is -0.40% vs 24.46% in Sep 2024

Nine Monthly Results Snapshot (Standalone) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Interest Earned
80030.75
73427.87
8.99%
Operating Profit (PBDIT)
23,389.89
21,677.71
7.90%
% of Net NPAs
0.82%
1.08%
-0.26%
% of Gross NPAs
3.85%
4.83%
-0.98%
Exceptional Items
0.00
0.00
Net Profit
13,002.22
10,337.77
25.77%
Values in Rs Cr.
Direction Arrows
Interest Earned

YoY Growth in nine months ended Dec 2024 is 8.99% vs 25.01% in Dec 2023

Direction Arrows
Net Profit

YoY Growth in nine months ended Dec 2024 is 25.77% vs 82.94% in Dec 2023

Annual Results Snapshot (Standalone) - Mar'25stock-summary
Mar'25
Mar'24
Change(%)
Interest Earned
107725.97
99777.96
7.97%
Operating Profit (PBDIT)
31,090.04
28,210.63
10.21%
% of Net NPAs
0.63%
1.03%
-0.40%
% of Gross NPAs
3.60%
4.76%
-1.16%
Exceptional Items
0.00
0.00
Net Profit
17,987.14
13,648.31
31.79%
Values in Rs Cr.
Direction Arrows
Interest Earned

YoY Growth in year ended Mar 2025 is 7.97% vs 23.57% in Mar 2024

Direction Arrows
Net Profit

YoY Growth in year ended Mar 2025 is 31.79% vs 61.84% in Mar 2024

stock-summaryCompany CV
About Union Bank of India stock-summary
stock-summary
Union Bank of India
Large Cap
Public Sector Bank
Union Bank of India is one of largest state-owned banks in India. The Bank is a listed entity and the Government of India holds 74.76% in Bank's Total Share Capital. The Bank has international presence with 3 overseas branches at Hong Kong, DIFC (Dubai) and Sydney (Australia). In addition, it has representative offices at Shanghai, Beijing and Abu Dhabi. It operate in United Kingdom through its wholly owned subsidiary, Union Bank of India (UK) Ltd.
Company Coordinates stock-summary
Company Details
239 Vidhan Bhavan Marg, Nariman Point UnionBank Bhavan Mumbai Maharashtra : 400021
stock-summary
Tel: 91-22-22896643/636
stock-summary
investorservices@unionbankofindia.c
Registrar Details
Datamatics Financial Services Ltd , (Formerly Datamatics Financial Services Ltd) , Plot No A / 16 & A / 17, MIDC, Part B, Cross Lane, Marol , Andheri (E), Mumbai