Union Bank of India quarterly results and financials

Union Bank of India (UNIONBANK)₹197.00+5.60%(9 Nov 2026 close)Public Sector Bank

Key facts

In the Sep 2026 quarter (consolidated), Union Bank of India reported revenue of ₹28,425 Cr, up 8.3% from Sep 2025, and net profit of ₹5,792 Cr, up 30.6% year on year. For the year to Mar 2026, revenue were ₹1.07 L Cr and net profit ₹19,466 Cr.

Revenue (Sep 2026): ₹28,425 Cr
Net profit (Sep 2026): ₹5,792 Cr
Revenue (FY Mar 2026): ₹1.07 L Cr
Net profit (FY Mar 2026): ₹19,466 Cr
EPS (Sep 2026): ₹7.59
Borrowings (Mar 2026): ₹77,779 Cr

Company filings, consolidated accounts; latest reported quarter Sep 2026

Union Bank of India quarterly results

₹ crore unless stated; each column is a quarter.

Union Bank of India Quarterly results
	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Revenue	25,566	26,568	26,576	26,947	26,755	27,897	27,130	26,237	26,862	26,720	27,455	28,425
Interest	16,205	16,925	16,972	17,695	17,327	18,214	17,813	17,213	17,349	16,967	17,187	17,568
Net interest income	9,361	9,643	9,605	9,251	9,428	9,682	9,317	9,024	9,513	9,753	10,268	10,858
Expenses	8,014	9,371	9,372	8,692	8,097	9,680	8,853	9,061	8,005	8,746	8,392	8,420
Financing Profit	1,273	179	156	480	1,273	−48.94	399	−97.94	1,454	926	1,832	2,351
Financing Margin %	5.0%	1.0%	1.0%	2.0%	5.0%	0.0%	1.0%	0.0%	5.0%	3.0%	7.0%	8.0%
Other Income	4,270	5,091	4,787	5,917	4,606	6,205	4,858	5,537	5,169	5,984	5,220	5,080
Profit before tax	5,555	5,279	4,955	6,410	5,894	6,173	5,271	5,451	6,638	6,930	7,067	7,445
Tax %	34.9%	37.0%	27.0%	26.0%	21.9%	19.0%	20.9%	20.9%	24.0%	23.0%	24.0%	25.0%
Net Profit	3,629	3,333	3,647	4,755	4,626	5,020	4,433	4,434	5,081	5,514	5,645	5,792
EPS (Rs)	4.90	4.37	4.78	6.23	6.07	6.58	5.81	5.81	6.66	7.22	7.40	7.59
Gross NPA %	4.8%	4.8%	4.5%	4.4%	3.9%	3.6%	3.5%	3.3%	3.1%	2.8%	2.7%	2.4%
Net NPA %	1.1%	1.0%	0.9%	1.0%	0.8%	0.6%	0.6%	0.6%	0.5%	0.5%	0.5%	0.4%
Provision coverage (approx., excl. write-offs) %	77.6%	78.4%	80.2%	77.5%	78.7%	82.5%	82.4%	83.3%	83.3%	83.0%	82.3%	82.6%

Union Bank of India profit and loss

₹ crore unless stated; years end in March. TTM is the last four quarters.

Union Bank of India Profit and loss
	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	32,376	32,859	32,995	34,360	37,548	69,468	68,326	81,232	1,00,597	1,06,706	1,06,976	1,09,463
Interest	23,844	23,740	23,445	23,850	25,789	44,063	40,090	47,963	63,211	68,801	69,321	69,071
Net interest income	8,532	9,119	9,550	10,511	11,758	25,405	28,236	33,269	37,386	37,905	37,655	40,392
Expenses	10,360	13,888	21,201	19,042	21,180	36,284	32,290	36,165	32,444	34,762	33,442	33,564
Financing Profit	−1,927	−4,823	−11,697	−8,587	−9,510	−11,062	−4,206	−3,022	4,585	2,943	3,885	6,564
Financing Margin %	−6.0%	−15.0%	−36.0%	−25.0%	−25.0%	−16.0%	−6.0%	−4.0%	5.0%	3.0%	4.0%	6.0%
Other Income	3,926	5,416	5,452	5,035	5,780	14,267	13,499	15,881	17,775	21,501	21,545	21,453
Depreciation	249	241	368	374	417	908	745	745	896	1,083	1,205	0.00
Profit before tax	1,759	359	−6,611	−3,931	−4,151	2,326	8,571	12,144	21,497	23,417	24,297	28,078
Tax %	24.0%	−58.1%	−21.0%	−25.1%	−27.1%	−22.1%	39.0%	30.9%	36.0%	23.0%	23.0%	—
Exceptional items	−2.01	26.03	−8.01	3.01	−4.01	20.99	0.00	−0.99	1.01	3.01	8.99	—
Net Profit	1,348	574	−5,217	−2,925	−3,124	2,865	5,274	8,519	13,817	18,060	19,466	22,032
EPS (Rs)	19.75	8.34	−44.70	−16.61	−9.13	4.48	7.71	12.48	18.11	23.68	25.50	28.87
Dividend payout %	10.0%	0.0%	0.0%	0.0%	0.0%	0.0%	24.9%	24.0%	19.9%	19.9%	20.0%	—

Union Bank of India balance sheet

₹ crore, at each year end.

Union Bank of India Balance sheet
	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	633	684	684	1,164	1,755	3,410	6,380	6,808	6,806	7,603	7,603	7,602
Reserves	19,177	22,257	23,302	23,975	24,962	30,425	58,056	63,732	71,657	89,570	1,05,703	1,25,370
Deposits	3,25,170	3,42,837	3,75,877	4,08,906	4,16,073	4,51,367	9,23,315	10,31,399	11,17,133	12,21,040	12,70,938	13,06,750
Borrowings	26,595	30,541	41,114	45,568	43,172	52,654	51,871	51,160	42,680	26,934	64,857	77,779
Other Liabilities	10,995	9,516	13,104	9,852	10,911	16,290	39,871	37,113	46,272	52,577	57,437	66,076
Total Liabilities	3,82,572	4,05,836	4,54,081	4,89,465	4,96,874	5,54,147	10,79,493	11,90,212	12,84,548	13,97,724	15,06,538	15,83,577
Fixed Assets	2,679	3,925	3,885	3,812	3,729	4,714	7,272	7,144	8,801	9,190	9,736	11,562
CWIP	3.99	12.96	20.93	33.92	43.83	53.80	62.85	36.86	21.92	35.86	58.83	63.84
Investments	85,555	90,171	1,12,982	1,25,039	1,27,892	1,53,770	3,37,990	3,50,447	3,42,260	3,42,835	3,60,572	3,42,366
Other Assets	2,94,333	3,11,727	3,37,192	3,60,581	3,65,209	3,95,610	7,34,168	8,32,583	9,33,465	10,45,663	11,36,171	12,29,585
Cash & equivalents	15,059	15,598	16,505	20,980	20,771	20,090	37,874	46,042	50,180	52,839	89,456	66,432
Total Assets	3,82,572	4,05,836	4,54,081	4,89,465	4,96,874	5,54,147	10,79,493	11,90,212	12,84,548	13,97,724	15,06,538	15,83,577

Union Bank of India cash flow

₹ crore, for each year.

Union Bank of India Cash flow
	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from operating activity	−3,558	80.76	−6,611	6,080	−7,759	−7,663	20,464	36,230	6,041	19,880	−204	−357
Cash from investing activity	−318	−9.01	−280	−315	−297	−377	−601	−558	−2,559	−1,394	−19.01	−71.04
Cash from financing activity	3,181	−2.01	10,227	10,822	1,765	20,209	−18,918	−789	−10,688	−11,533	339	77.26
Net cash flow	−716	69.80	3,278	16,516	−6,292	12,039	1,062	34,872	−7,136	7,022	115	−350
Capex	347	8.86	321	332	316	394	720	751	3,070	1,651	16.71	32.28
Free cash flow	−3,923	72.24	−6,930	5,798	−8,105	−8,077	19,995	36,015	3,682	18,672	−221	−389

Union Bank of India ratios

Working-capital days and returns, by year.

Union Bank of India Ratios
	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	9.0%	6.0%	2.0%	−21.0%	−11.0%	−10.0%	6.0%	8.0%	11.0%	16.0%	17.1%	16.1%

Union Bank of India: frequently asked questions

What are the latest quarterly results of Union Bank of India?

For the Sep 2026 quarter, Union Bank of India reported revenue of ₹28,425 Cr, up 8.3% year on year and net profit of ₹5,792 Cr, up 30.6% year on year.

What is the annual revenue of Union Bank of India?

Union Bank of India's revenue for the year to Mar 2026 were ₹1.07 L Cr; over the last twelve months they were ₹1.09 L Cr.

What is the net profit of Union Bank of India?

Net profit for the year to Mar 2026 was ₹19,466 Cr, and ₹22,032 Cr over the last twelve months. Earnings per share over the same trailing period were ₹28.87.

What is the free cash flow of Union Bank of India?

Cash from operations was −₹357 Cr in the year to Mar 2026; after capital spending, free cash flow was −₹389 Cr.

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