Welcome to Multibagg AI
Log in to access personalized features
Dashboard
Portfolio
Ask Iris
Discovery
Timeline
Multibagg AI is an AI powered stock research and analysis platform. We provide data, information, content, and analytics for publicly traded Indian companies listed on NSE and BSE. AI can make mistakes, check important information.
Prices might be delayed by a few minutes.
Join our Exclusive Community
Join our Exclusive Community
Made with 💙 in India. © Finsky Technologies Pvt Ltd. 2026
Get instant AI-powered insights about company performance, financials, and strategy. Ask questions about trends, competition, and developments while receiving responses backed by official documents and market data, with clear attribution to source documents.
Investor Presentation
Q4 FY26
Investor Presentation
Q3 FY26
Investor Presentation
Q2 FY26
Available on Pro Plan
Unlock reports, presentations, and AI-powered insights.
Investor Presentation
Q1 FY26
Available on Pro Plan
Unlock reports, presentations, and AI-powered insights.
Investor Presentation
Q4 FY25
Available on Pro Plan
Unlock reports, presentations, and AI-powered insights.
Investor Presentation
Q3 FY25
Available on Pro Plan
Unlock reports, presentations, and AI-powered insights.
Investor Presentation
Q2 FY25
Available on Pro Plan
Unlock reports, presentations, and AI-powered insights.
Investor Presentation
Q1 FY25
Available on Pro Plan
Unlock reports, presentations, and AI-powered insights.
Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.
View Standalone
View Standalone
View Standalone
View Standalone
View Standalone
View Standalone
View Standalone
View Standalone
Discovery themes featuring this stock
Discovery themes featuring this stockUnion Bank of India (UNIONBANK) is currently trading at 160.60 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 ₹112.70 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 1,21,565.17. 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 6.26 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 1,21,565.17 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 6.26. 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 text cites a disputed media report about deposit variations and continued investor concerns after Q4 FY26 results, including weak NII, higher provisions, and rising credit costs.
Union Bank of India reported net profit of ₹5,315.76 crore for Q4 FY26, compared with ₹4,984.92 crore in Q4 FY25, according to its regulatory filing.
Hindalco Industries was highlighted as a top gainer, rising 2.84% to close at ₹891.3 versus ₹866.7 previously.
The stock fell as NII declined to ₹9,406 crore, NIM dropped to 2.64%, and provisions rose sharply to ₹1,055 crore, raising concerns about core earnings quality.
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
263.50 | 1,36,291 Cr | 6.87 | 0.82 | 3.23 | 11.74 | 5.10 | 0.93 | ||
166.00 | 1,21,565 Cr | 6.26 | 0.95 | 3.14 | 14.06 | 5.97 | 1.18 | ||
106.55 | 1,17,458 Cr | 6.39 | 0.83 | 2.94 | 11.40 | 5.73 | 0.84 | ||
127.05 | 1,15,878 Cr | 6.48 | 1.04 | 3.29 | 14.54 | 5.97 | 0.91 | ||
848.40 | 1,09,111 Cr | 9.32 | 1.50 | 2.25 | 14.32 | 5.70 | 1.16 | ||
33.46 | 64,317 Cr | 11.87 | 1.91 | 0.00 | 14.09 | 5.46 | 1.10 | ||
152.90 | 63,373 Cr | 6.15 | 0.78 | 3.34 | 11.22 | 5.42 | 0.86 | ||
| Median: 7 Co. | — | 152.90 | 1,15,878 Cr | 6.48 | 0.95 | 3.14 | 14.06 | 5.70 | 0.93 |
CRO Appointment
Union Bank of India appointed Smt. Sowmya Sridhar as Chief Risk Officer effective 22 May 2026, replacing Shri Ashwini K.R. Choudhary; tenure until 31 Aug 2029; Sridhar has 30+ years' experience and is FRM-certified.
Director Appointment
Union Bank appointed Dr. Debasish Prusty (Additional Secretary, Dept. of Financial Services) as Government Nominee Director w.e.f. 13 May 2026, replacing Shri Rohan Chand Thakur; tenure until further orders.
Bearish
3
Neutral
7
Bullish
4
Bearish
28
Neutral
7
Bullish
11
Bearish
25
Neutral
0
Bullish
7
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
1,22,596 Cr
High Risk
6.3
12.5
2.0
1.0
205.45
112.70
Sales CAGR
Profit CAGR
ROE
ROCE
