Union Bank of India Share Price, Fundamentals and Financials
Track the live share price, 52 week range, chart, fundamentals, financial highlights, ratios, peers, corporate actions and educational FAQs.
₹172.75
₹-1.81 · -1.04%
Union Bank of India price chart
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Quick Fundamentals
About Union Bank of India
Union Bank of India is a listed public sector bank headquartered in Mumbai. Established in 1919, it became a larger amalgamated bank when Andhra Bank and Corporation Bank merged into it in April 2020. The Government of India is its promoter and majority shareholder.
The bank serves individuals, farmers, MSMEs, corporates and government entities through branches, ATMs, business correspondents and digital channels.
Business segments and investor focus
Major segments include retail, agriculture, MSME, corporate, treasury and international banking. Investors generally monitor deposits, CASA, credit growth, margins, asset quality, provisions, capital and returns.
Business Model and Segments
The bank accepts deposits and deploys funds into loans and investments. Its spread income depends on loan yields, deposit costs and low-cost CASA funding. It also earns fees from payments, cards, transaction banking, foreign exchange, treasury and distribution.
Retail, agriculture and MSME advances are often grouped as RAM. Corporate banking serves larger borrowers, while treasury manages liquidity, investments and market risk.
Profit and Loss / Financial Highlights
| Particulars | FY 2023-24 | FY 2024-25 | YoY Change |
|---|---|---|---|
| Interest Income | ₹99,778 Cr | ₹1,07,726 Cr | 7.97% |
| Non-Interest Income | ₹16,080 Cr | ₹19,813 Cr | 23.21% |
| Interest Expenditure | ₹63,208 Cr | ₹70,512 Cr | 11.56% |
| Operating Expenses | ₹24,440 Cr | ₹25,937 Cr | 6.12% |
| Net Interest Income | ₹36,570 Cr | ₹37,214 Cr | 1.76% |
| Operating Profit | ₹28,211 Cr | ₹31,090 Cr | 10.21% |
| Net Profit | ₹13,648 Cr | ₹17,987 Cr | 31.79% |
Verify the latest audited and quarterly results before use.
Balance Sheet and Business Highlights
| Business Indicator | 31 Mar 2024 | 31 Mar 2025 | Change |
|---|---|---|---|
| Total Business | ₹21,26,412 Cr | ₹22,92,644 Cr | 7.82% |
| Global Deposits | ₹12,21,528 Cr | ₹13,09,750 Cr | 7.22% |
| CASA Deposits | ₹4,10,134 Cr | ₹4,26,325 Cr | 3.95% |
| Gross Advances | ₹9,04,884 Cr | ₹9,82,894 Cr | 8.62% |
| Retail Advances | ₹1,77,488 Cr | ₹2,16,777 Cr | 22.14% |
| Agriculture Advances | ₹1,83,833 Cr | ₹1,78,479 Cr | -2.91% |
| MSME Advances | ₹1,21,269 Cr | ₹1,36,423 Cr | 12.50% |
| Domestic CASA Ratio | 34.20% | 33.52% | -68 bps |
Bank balance sheets differ from non-financial companies; deposits and advances are central operating items.
Operating and Business Segment Highlights
| Metric | FY 2023-24 | FY 2024-25 | Movement |
|---|---|---|---|
| Net Interest Margin | 3.10% | 2.91% | -19 bps |
| Cost of Deposits | 5.22% | 5.53% | +31 bps |
| Yield on Advances | 8.73% | 8.74% | +1 bp |
| Cost-to-Income Ratio | 46.42% | 45.48% | -94 bps |
| Provision Coverage Ratio | 92.69% | 94.61% | +192 bps |
| Capital Adequacy Ratio | 16.97% | 18.02% | +105 bps |
For banks, investors usually focus more on liquidity, capital, margins and asset quality than conventional industrial free cash flow.
Key Ratios
| Metric | FY 2023-24 | FY 2024-25 | Movement |
|---|---|---|---|
| Return on Assets | 1.03% | 1.26% | +23 bps |
| Return on Equity | 15.58% | 17.20% | +162 bps |
| Gross NPA | 4.76% | 3.60% | -116 bps |
| Net NPA | 1.03% | 0.63% | -40 bps |
| CET-1 Ratio | 13.65% | 14.98% | +133 bps |
| CRAR | 16.97% | 18.02% | +105 bps |
Use the latest filing for current ratios and regulatory definitions.
Peer Comparison
| Company | NSE Symbol | Ownership Type | Key comparison focus |
|---|---|---|---|
| Union Bank of India | UNIONBANK | Public sector bank | Asset quality, NIM, ROA, ROE and valuation |
| State Bank of India | SBIN | Public sector bank | Scale, subsidiaries, deposits and returns |
| Bank of Baroda | BANKBARODA | Public sector bank | Growth, margins and international mix |
| Punjab National Bank | PNB | Public sector bank | Recovery, credit cost and capital |
| Canara Bank | CANBK | Public sector bank | Loan growth, margins and valuation |
Compare peers on the same reporting date; valuation and market prices change continuously.
Dividends and Bonuses / Splits
| Year | Dividend Detail | Note |
|---|---|---|
| FY 2024-25 | ₹4.75 per share recommended | Subject to approvals and official record date |
| FY 2023-24 | ₹3.60 per share | Verify payment and entitlement in filings |
| FY 2022-23 | ₹3.00 per share | Historical; future dividends are not guaranteed |
| Action | Detail | Note |
|---|---|---|
| Bonus Issue | No recent bonus included | Verify BSE/NSE filings |
| Face Value | ₹10 per equity share | Check latest capital structure |
| Stock Split | No recent split included | Verify exchange-confirmed history |
Verify the latest dividend, bonus, split, record date and entitlement details in official exchange filings.
Union Bank of India customer and investor FAQs
Beginner-friendly answers about services, ownership, business model, risks, dividends and investment monitorables.
What is Union Bank of India and what services does it offer?
It is a Government of India-owned public sector bank offering deposits, payments, cards, digital banking, retail and business loans, agriculture and MSME finance, corporate banking, treasury and international banking.
How does Union Bank of India earn money?
It primarily earns interest on loans and investments after funding costs, plus fees and non-interest income from payments, cards, transaction banking, foreign exchange, treasury and distribution.
What should investors monitor?
Track deposits, CASA, advances, NIM, slippages, GNPA, NNPA, provision coverage, credit cost, CRAR, ROA and ROE.
Is Union Bank of India a government bank?
Yes. The Government of India is the promoter and majority shareholder. Verify the latest holding in quarterly filings.
What are the main shareholder risks?
Key risks include asset-quality deterioration, margin pressure, slower deposits, higher credit costs, regulatory changes, cyber incidents and dilution from capital raising.
Does Union Bank of India pay dividends?
It has paid dividends in recent years, but future payouts are not guaranteed. Verify board recommendations, approvals, record dates and exchange filings.
Has it announced a bonus or stock split?
No recent bonus or split is included in this summary. Always verify the latest corporate-action filings.
How does it compare with other PSU banks?
Compare valuation, deposit franchise, loan growth, asset quality, NIM, capital adequacy and return ratios using the same reporting date.
Is the share suitable for beginners?
Beginners may use it to learn about PSU banks, but suitability depends on goals, risk tolerance and diversification. This page is not a buy or sell recommendation.
Where should data be verified?
Use Union Bank investor relations, audited annual reports, quarterly results, and BSE or NSE filings because third-party data can be delayed.