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UNIONBANK · NSE · Public Sector Bank

Union Bank of India

What the numbers mean, from its filings and the exchange. Data as of 12 Oct 2026.
Large Cap · AMFI list Jan-Jun 2026 · Vendor sector: Financial Services
fair low confidence No valuation within 120 days; P/E 6.4 vs peers 8.5 (5th of 12); P/B 1.0 vs peers 0.99 (7th of 12).
Statements through FY2026Prices adjusted for corporate actionsNot yet reviewed by the adversarial model

What is Union Bank of India's share price today?

Union Bank of India last traded at ₹171.33 on the NSE, as of 12 Oct 2026, 11:00 pm IST, down 1.0% on the day, up 23.7% over a year. Its 52-week range is ₹136 to ₹205. The live price is in the app.

₹171.33 −1.0% today
+23.7% over 1 year · NSE, as of 12 Oct 2026, 11:00 pm IST
60 month-end closes, 31 Oct 2021 to 30 Sep 2026, adjusted for splits and bonuses
52-week range51% of the way up
Low ₹136High ₹205

What is Union Bank of India's market cap?

Union Bank of India's market capitalisation is about ₹1.32 lakh crore: what it would cost to buy every share at today's price. That makes it the 75th largest large cap company we cover.

₹1.3 L Cr Large Cap75th largest large cap company
Large Cap means the 100 largest listed companies, under SEBI's rules. Shares in issue are worked out from the market cap and the price. What market cap tells you →

Key facts

From the exchange
Symbol
NSE: UNIONBANK
ISIN
INE692A01016
Cap bucket
Large Cap, 75th largest by market cap
Industry (NSE)
Financial Services › Banks › Public Sector Bank
Listed since
2002
Futures and options
Traded

Is Union Bank of India overvalued?

Fair, with low confidence: no valuation within 120 days; P/E 6.4 vs peers 8.5 (5th of 12); P/B 1.0 vs peers 0.99 (7th of 12).

Valuation

Latest price and trailing 12 months
P/E 6.40
vs peers 8.5 · 5th of 12
Price divided by last year's earnings per share: how many years of today's profit you pay for. Learn more →
P/B 1.03
vs peers 1.0 · 7th of 12
Price divided by book value per share: what you pay for each rupee of net assets on the balance sheet. Learn more →
Market cap ₹1.32 lakh Cr
Total market value of all shares, in ₹ crore. Learn more →
Dividend yield 3.0%
vs peers 3.2% · 5th of 9
Last year's dividends as a share of today's price. Learn more →
PEG (vendor) 2.65
vs peers 2.4 · 6th of 10
P/E divided by the vendor's earnings growth figure, which it does not disclose; a P/E adjusted for how fast profits grow. Learn more →
PEG on our 3-year EPS growth 0.24
P/E divided by the 3-year EPS growth rate from the stored accounts. Learn more →
3 models could be judged
Skipped — Fair value, EPV, Graham number, Graham value, Lynch, Owner earnings: no valuation stored

Our valuation range

🔒 Pro
Value range, implied growth at today's price, and the nine models behind it: in the app.

Is Union Bank of India a quality business?

Quality score 42.4, 8th of 12 in its peer set; WATCH on 21 of 22 lender flags judged.

Quality and risk

Data as of 12 Oct 2026
Business quality Not available
The kind of business, which sets the yardstick it is judged by. Learn more →
Quality score 42.4
vs peers 48.1 · 8th of 12
Returns, margins, leverage and consistency against its peers, out of 100. Learn more →
Risk level WATCH
21 of 22 lender flags judged
From flags on debt, earnings quality, dilution and price swings. Learn more →

Lender scorecard

Statements through FY2026 (Mar-26)
Basis: standalone accounts, FY2026 (Mar-26) against FY2025; NSE/BSE XBRL, the Q4 results filing; NIM is interest earned less expended over average advances and investments; cost to income is operating expenses over net interest income plus other income; credit cost is FY2026 provisions over average advances; ROA over average total assets; ROE over average equity; GNPA, NNPA, provision coverage, CET1 from the Jun-26 quarter filing
Net interest margin 2.7%
vs peers 2.8% · 8th of 12
What a lender earns on its loans and investments less what it pays for deposits and borrowings, as a share of the assets that earn interest (or of all assets where the split is not filed). Learn more →
Gross NPA 2.6%
vs peers 1.9% · 11th of 12
Loans on which repayment has stopped, as a share of all loans, before any provision against them; from the latest results filing. Learn more →
Net NPA 0.5%
vs peers 0.4% · 8th of 12
Bad loans after the provisions already set aside against them, as a share of loans. Learn more →
Provision coverage 82.8%
How much of the gross bad loans has already been provided for. Learn more →
Credit cost 0.4%
vs peers 0.6% · 4th of 12
The year's provisions for bad loans as a share of the average loan book. Learn more →
Cost to income 49.0%
vs peers 51.1% · 5th of 12
Operating expenses (staff, branches, technology) over net interest income plus other income. Learn more →
Return on assets 1.2%
vs peers 1.1% · 3rd of 12
Profit as a share of average total assets. Learn more →
CET1 ratio 16.4%
Common equity tier 1 capital, the hardest kind, against risk-weighted assets; from the latest results filing. Learn more →
Loan growth YoY 10.5%
vs peers 17.2% · 12th of 12
Growth in the loan book over the latest fiscal year. Learn more →
Deposit growth YoY -0.2%
vs peers 12.3% · 12th of 12
Growth in deposits over the latest fiscal year. Learn more →
CASA ratio Not available
Current and savings account balances as a share of all deposits. Learn more →
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Has Union Bank of India made money for shareholders?

Yes: +23.7% over one year and +36.4% a year over five years.

Shareholder returns

1-year return +23.7%
Price only
What the share price did over the last 12 months. Learn more →
5-year return +36.4% a year
Price only
Yearly average price return over five years, bonuses and splits adjusted. Learn more →
Wealth destroyer No
Five-year total return — price CAGR on bonus- and split-adjusted closes plus the dividend yield — below the 7% a bank fixed deposit paid. Learn more →

Returns

3Y and 5Y are yearly averages
1W
+3.0%
1M
−1.1%
3M
+1.6%
6M
−6.3%
1Y
+23.7%
3Y
+19.0%
5Y
+36.4%

Does Union Bank of India pay a dividend?

Yes. Union Bank of India's dividend yield is 3.05% at the latest price; the last payout was ₹5.00 a share, ex-dividend 3 Jul 2026.

Dividends

Per share, by ex-dividend date
Dividend yield3.05%
The past 12 months' dividends as a share of today's price.
3 Jul 2026 · Final₹5.00
25 Jul 2025 · Final₹4.75
19 Jul 2024 · Final₹3.60
28 Jul 2023 · Final₹3.00
22 Jun 2022 · Final₹1.90
Payout ratio🔒 In the app
The share of profit paid out as dividends; a very high share leaves little to reinvest.
Dividend growth, 5 years🔒 In the app
How fast the dividend per share has grown a year.
Years without a miss🔒 In the app
How many years in a row a dividend has been paid.

Is Union Bank of India growing?

Loan growth 10.5%; deposit growth -0.2%; revenue 3 years 9.8% a year.

Growth

Statements through FY2026 (Mar-26)
Loan growth 10.5%
vs peers 17.2% · 12th of 12
Growth in the loan book over the latest fiscal year. Learn more →
Deposit growth -0.2%
vs peers 12.3% · 12th of 12
Growth in deposits over the latest fiscal year. Learn more →
Revenue 3 years 9.8% a year
vs peers 14.6% · 12th of 12
Compound annual growth of revenue over three years. Learn more →
EPS 3 years 26.9% a year
Growth in earnings per share, so dilution counts against the company. Learn more →
Revenue 5 years 9.6% a year
Compound annual growth of revenue over five years. Learn more →
EPS 5 years 34.3% a year
Growth in earnings per share over five years, so dilution counts against the company. Learn more →

How did Union Bank of India do last quarter?

Union Bank of India reported income of ₹32,660 Cr, up 0.2% on a year earlier and a net profit of ₹5,642 Cr, up 7.8% in the Jun 2026 quarter.

Latest quarter

Jun 2026
Income, latest quarter₹32,660 Cr
+0.2% on a year earlier
What the company took in over the quarter.
Net profit, latest quarter₹5,642 Cr
+7.8% on a year earlier
What was left for shareholders after every cost and tax.

How does Union Bank of India compare with its peers?

Compared with 11 Public Sector Bank; 5th of 12 on P/E; 8th of 12 on quality score.

Compared with 11 Public Sector Bank

11 companies

Union Bank of India against its peers

Largest 10 of 11 peers, by market cap
CompanyMarket capP/EP/BROE1YQuality 🔒Rank 🔒
Union Bank of India₹1.3 L Cr6.41.016.3%+23.7%
State Bank of India₹8.9 L Cr10.31.817.3%+8.6%
Punjab National Bank₹1.3 L Cr6.10.913.4%+0.0%
Bank of Baroda₹1.2 L Cr6.70.813.8%−12.1%
Indian Bank₹1.1 L Cr8.71.618.2%+5.9%
Canara Bank₹1.1 L Cr5.51.018.0%−6.3%
Bank of Maharashtra₹63,963 Cr8.51.524.2%+44.4%
Bank of India₹61,215 Cr5.20.814.0%+6.0%
Indian Overseas Bank₹58,887 Cr10.01.812.3%−23.2%
UCO Bank₹29,154 Cr10.40.99.5%−26.9%
Central Bank of India₹27,245 Cr6.00.813.0%−20.4%
Peer median—8.51.013.8%−6.3%
Market cap in rupees crore; P/E and P/B on the latest price; 1Y is the price return over a year. A dash is a figure that does not apply or is not reported.

Full peer comparison

🔒 Pro
Every peer, every figure, the ranks and the quality and forensic scores side by side: in the app.

Who owns Union Bank of India?

Union Bank of India is held by promoters 74.8%, foreign institutions 8.6%, domestic institutions 12.0%.

Shareholding pattern

Latest filing, percent of shares
Promoters74.8%
The founders and controlling group.
Foreign institutions8.6%
Overseas funds investing through the FPI route.
Domestic institutions12.0%
Indian insurers, banks, pension and mutual funds together.
Mutual funds4.7%
Indian mutual fund schemes; part of domestic institutions.
Retail and others3.4%
Individual investors and everyone else.
Promoter shares pledged🔒 In the app
Promoter shares given as collateral for loans; a high share is a risk to watch.
Holding trend🔒 In the app
Whether promoters, foreign funds and mutual funds have been adding or selling over recent quarters.

What do analysts say about Union Bank of India?

16 analysts cover Union Bank of India, and the consensus is buy. A consensus is a count of opinions, not a forecast; read it beside the numbers.

Analyst consensus

16 analysts
ConsensusBuy
The rating most covering analysts give the share.
Average target price🔒 In the app
The mean of the analysts' 12-month price targets.
Upside to target🔒 In the app
How far the target sits above or below today's price.
Share rating it a buy🔒 In the app
The share of covering analysts with a buy rating.

What does Union Bank of India do and what is it sensitive to?

An Indian bank earning revenue through net interest income from diversified credit to retail, agriculture, and MSME customers, plus fee-based income from processing, insurance, cards, and treasury trading. Sensitive to: investment valuations and market movements.

Business-model card

FY2026 · 17 verified
2Revenue
0Channels
1Regulators
0Reg. dependencies
2Sensitivities
0Costs
0Geographies

An Indian bank earning revenue through net interest income from diversified credit to retail, agriculture, and MSME customers, plus fee-based income from processing, insurance, cards, and treasury trading. The bank operates digital channels and invests in technology transformation.

Revenue by segment

2026-03-31
Retail Banking Operation38.4%
Corporate/wholesale Banking Operations35.8%
Treasury Operations24.3%
Other Banking Operations1.4%

Revenue engine

2 verified
MSME advances
Lending to micro, small and medium enterprises; fastest-growing RAM segment at 18.75% YoY
Large Corporate advances
Lending to large corporates; smallest domestic segment but significant in absolute size

Regulators

1 verified
Data Protection regulatory authority
Enforces data handling and customer protection through DPDPA-2023

Sensitivities

2 verified
Investment valuations and market movements
Changes in bond, equity and security prices affect treasury income and investment depreciation; can swing quarterly results
Agricultural income and monsoon cycles
Monsoon patterns and harvest quality affect repayment ability of agricultural lending segment
Each statement is checked word for word against the FY2026 annual report; the passages are in the app.

What changed recently?

Q4 FY2026 results filed (29 Sep 2026).

Change log

8 entries · newest first
  1. Results filedQ4 FY2026 results filed.
  2. Results filedQ1 FY2027 results filed.
  3. Corporate actionDividend - Rs 5 Per Share.
  4. Results filedQ3 FY2026 results filed.
  5. Results filedQ2 FY2026 results filed.
  6. Corporate actionDividend - Rs 4.75 Per Share.
  7. Results filedQ1 FY2026 results filed.
  8. Results filedQ4 FY2025 results filed.
Get alerts →Sign in to be told when any of these change.

What this page does not tell you

What could not be judged, and why. Never empty.
  • Models not runFair value, EPV, Graham number, Graham value, Lynch, Owner earnings: no valuation stored.
  • FlagsWATCH on 21 of 22 lender flags judged; 2 red; 1 could not be judged.
  • Data gapsBusiness quality, CASA ratio: not available yet.
Not applicable to a bank, lender or insurer · 12
  • Altman ZAltman Z reads working capital and sales over assets, which a lender's balance sheet does not have.
  • Piotroski F-scorePiotroski's leverage and liquidity checks read deposits and borrowings as weakness.
  • Beneish M-scoreThe Beneish model reads receivables, margins and depreciation that a lender's accounts do not report.
  • Operating marginInterest is a lender's cost of goods, so operating profit before interest is not defined.
  • Interest coverageInterest is a lender's main cost, not a charge on operating profit.
  • Debt to equityBorrowings and deposits are a lender's raw material; gearing is judged by capital adequacy instead.
  • EV/EBITDAEnterprise value adds borrowings to market cap; for a lender borrowings are the business, not a claim on it.
  • FCF yieldOperating cash flow less capex is not free cash flow for a lender: loan growth sits in operating cash flow.
  • Cash conversion cycleA lender's receivables are its loan book, not invoices waiting to be paid.
  • Asset turnoverA lender earns a spread on its assets, not a turnover of them.
  • ROCEEBIT over capital employed reads a lender's interest income against its borrowings; return on assets and return on equity are the lender's measures.
  • ROCE, 10-year averageEBIT over capital employed reads a lender's interest income against its borrowings; return on assets is the lender's measure (HDFC Bank's 1.7% ten-year ROCE means nothing).

What this page rests on

✓10 years of annual statements, through FY2026 (Mar-26)✓10 quarters of results✓285 months of month-end prices, adjusted for bonuses and splits○no valuation of ours yet✓business-model card FY2026 · 17 verified

Questions people ask

What is Union Bank of India's share price today?

Union Bank of India last traded at ₹171.33 on the NSE, as of 12 Oct 2026, 11:00 pm IST, down 1.0% on the day, up 23.7% over a year. Its 52-week range is ₹136 to ₹205. The live price is in the app.

What is Union Bank of India's market cap?

Union Bank of India's market capitalisation is about ₹1.32 lakh crore: what it would cost to buy every share at today's price. That makes it the 75th largest large cap company we cover.

Is Union Bank of India a large cap, mid cap or small cap?

Union Bank of India (UNIONBANK) is a large cap company in AMFI's classification for Jan-Jun 2026. SEBI's buckets go by rank on six-month average market capitalisation: the top 100 are large caps, 101 to 250 mid caps, the rest small caps.

What is Union Bank of India's P/E ratio?

6.40, vs peers 8.5 · 5th of 12. Price divided by last year's earnings per share: how many years of today's profit you pay for.

Is Union Bank of India overvalued?

Fair, with low confidence: no valuation within 120 days; P/E 6.4 vs peers 8.5 (5th of 12); P/B 1.0 vs peers 0.99 (7th of 12).

How does Union Bank of India make money?

An Indian bank earning revenue through net interest income from diversified credit to retail, agriculture, and MSME customers, plus fee-based income from processing, insurance, cards, and treasury trading. The bank operates digital channels and invests in technology transformation.

Why is there no Altman Z or debt to equity for Union Bank of India?

Borrowing is a bank's or lender's raw material, so those ratios mislead. Net interest margin, gross NPA, return on assets and the capital ratios are shown instead.

Who are Union Bank of India's peers?

Compared with 11 Public Sector Bank: State Bank of India, Punjab National Bank, Bank of Baroda, Indian Bank, Canara Bank and 6 more. The app shows how they compare on every figure.

Is this investment advice?

No. Valarth is a research and learning tool and is not a SEBI-registered investment adviser or research analyst. The figures come from the company's filings and the exchanges; what to do with them is your call.

How did Union Bank of India do last quarter?

Union Bank of India reported income of ₹32,660 Cr, up 0.2% on a year earlier and a net profit of ₹5,642 Cr, up 7.8% in the Jun 2026 quarter.

Who owns Union Bank of India?

Union Bank of India is held by promoters 74.8%, foreign institutions 8.6%, domestic institutions 12.0%.

Does Union Bank of India pay a dividend?

Yes. Union Bank of India's dividend yield is 3.05% at the latest price; the last payout was ₹5.00 a share, ex-dividend 3 Jul 2026.

What do analysts say about Union Bank of India?

16 analysts cover Union Bank of India, and the consensus is buy. A consensus is a count of opinions, not a forecast; read it beside the numbers.

Everything on Union Bank of India, and 6,621 other companies, with 212 filters and the full peer tables

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