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Discovery themes featuring this stockBearish
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Union Bank of India is a large, government‑owned commercial bank offering retail, corporate, treasury and transaction banking across an extensive pan‑India branch network and overseas branches and subsidiaries. The bank’s service portfolio includes digital banking platforms (Union eCase, Union biz), asset management, and joint ventures such as Star Union Dai‑ichi Life, supporting broad financial services distribution.
Q4 FY2026 results show resilient profitability and improving asset quality: reported consolidated net profit near ₹18,697 crore for the year, quarterly net profit ₹5,316 crore, GNPA declined materially to 2.82% and NNPA to 0.48%, with PCR around 95%. These metrics signal sustained recovery and a high provision cover at Union Bank of India despite macro volatility.
Union Bank of India defended margins and improved liability quality by deliberately churning bulk deposits into CASA and retail term deposits; CASA rose to 35.21% and management highlighted a deliberate ₹70,000 crore reduction in bulk deposits. This strategic deposit mix shift helped protect NIMs and strengthen funding stability.
The bank is pushing digital and product innovation at scale: 70 lakh+ users migrated to the new app, CBDC programmable e₹ pilots executed with state government use cases, and Project Muskkaan embeds automation/AI. These initiatives position Union Bank of India to capture transaction volumes, fee income and improved operational efficiency.
Capital and liquidity buffers are robust: CRAR ~18.10% and CET1 improved to ~15.69%, with LCR ~114% and NSFR ~115%. Management also recommended a ₹5 per share dividend, while retaining a one‑time ₹700 crore standard provision as a conservative buffer, demonstrating balance sheet prudence at Union Bank of India.
Banks
Public Sector Bank
1,28,245 Cr
High Risk
6.2
12.0
0.6
1.0
205.45
135.35
Sales CAGR
Profit CAGR
ROE
ROCE
Discovery themes featuring this stockUnion Bank of India (UNIONBANK) is currently trading at 168.00 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Union Bank of India is a large, government‑owned commercial bank offering retail, corporate, treasury and transaction banking across an extensive pan‑India branch network and overseas branches and subsidiaries. The bank’s service portfolio includes digital banking platforms (Union eCase, Union biz), asset management, and joint ventures such as Star Union Dai‑ichi Life, supporting broad financial services distribution. Q4 FY2026 results show resilient profitability and improving asset quality: reported consolidated net profit near ₹18,697 crore for the year, quarterly net profit ₹5,316 crore, GNPA declined materially to 2.82% and NNPA to 0.48%, with PCR around 95%. These metrics signal sustained recovery and a high provision cover at Union Bank of India despite macro volatility. Union Bank of India defended margins and improved liability quality by deliberately churning bulk deposits into CASA and retail term deposits; CASA rose to 35.21% and management highlighted a deliberate ₹70,000 crore reduction in bulk deposits. This strategic deposit mix shift helped protect NIMs and strengthen funding stability. The bank is pushing digital and product innovation at scale: 70 lakh+ users migrated to the new app, CBDC programmable e₹ pilots executed with state government use cases, and Project Muskkaan embeds automation/AI. These initiatives position Union Bank of India to capture transaction volumes, fee income and improved operational efficiency. Capital and liquidity buffers are robust: CRAR ~18.10% and CET1 improved to ~15.69%, with LCR ~114% and NSFR ~115%. Management also recommended a ₹5 per share dividend, while retaining a one‑time ₹700 crore standard provision as a conservative buffer, demonstrating balance sheet prudence at Union Bank of India.
Over the past 52 weeks, Union Bank of India has traded between a low of ₹135.35 and a high of ₹205.45. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Union Bank of India has a market capitalization of approximately 1,28,244.57. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Union Bank of India’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 6.21 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 1,28,244.57 Cr, Union Bank of India is classified as a Large Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Union Bank of India operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Union Bank of India is 6.21. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
The bank is scheduled to announce its Q1 FY27 financial results this week, as stated in the provided article data.
Union Bank reported net profit of ₹4,116 crore in Q1 FY26, up 12% from ₹3,679 crore in the year-ago quarter.
Union Bank said its Board of Directors will meet on July 15, 2026 to consider the unaudited reviewed standalone and consolidated financial results for the April to June quarter.
The stock fell after the bank’s Q1 gross advances were reported lower than provisional figures, prompting investors to reassess growth momentum.
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
168.00 | 1,28,245 Cr | 6.21 | 0.97 | 2.98 | 14.33 | 6.11 | 1.29 | ||
109.90 | 1,26,307 Cr | 5.72 | 0.87 | 2.73 | 13.18 | 5.76 | 1.02 | ||
231.75 | 1,19,846 Cr | 6.60 | 0.71 | 3.67 | 10.50 | 4.97 | 0.83 | ||
799.95 | 1,07,750 Cr | 8.43 | 1.40 | 2.28 | 14.95 | 5.77 | 1.27 | ||
118.50 | 1,07,487 Cr | 5.41 | 0.92 | 3.54 | 15.35 | 5.99 | 1.01 | ||
80.40 | 61,840 Cr | 8.21 | 1.83 | 1.49 | 20.87 | 5.78 | 1.80 | ||
129.20 | 58,820 Cr | 4.99 | 0.71 | 3.60 | 12.60 | 5.50 | 0.97 | ||
| Median: 7 Co. | — | 129.20 | 1,07,750 Cr | 6.21 | 0.92 | 2.98 | 14.33 | 5.77 | 1.02 |
