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Union Bank of India share price & results

Union Bank of India· Financial Services

Results to
Sept 2026
Latest analysed call
Q1 FY27
Ownership as of
Sept 2026

Government-owned public-sector bank with 8,697 branches, 8,656 ATMs and a 3.1-crore-user Vyom app

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Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

MetricValueChangeBasisPeriodNote
Revenue28,378 ₹ crore+8.3% YoYQuarterly, as filedQuarter to Sept 2026Revenue from operations as filed.
Operating marginUnavailable—Operating profit / revenueQuarter to Sept 2026Not in the filed figures for the quarter to sept 2026. No older figure is substituted.
Net profit5,781 ₹ crore+30.6% YoYQuarterly, as filedQuarter to Sept 2026Profit after tax as filed.
Return on equity15.26 %−1.3 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Sept 2026Adjusted profit attributable to owners ÷ average owners’ equity.
Free cash flow marginUnavailable—Fiscal yearFY ending Mar 2026Not in the analysed materials. No older figure is substituted.
Revenue growth (YoY)1.30 %−6.0 ptsFY Mar 2026 vs FY Mar 2025Trailing twelve monthsTTM to Sept 2026Revenue change against the same period one year earlier.

Source: Inve data from filed results; ratios from the Screener-verified panel · to Sept 2026

Guidance

What management said, and what became of it

4 of 11 judged targets kept · 9 open · verdicts reflect calls analysed to Q1 FY27.

Union Bank of India management guidance track record on Inve: 20 targets tracked across analysed earnings calls (4 achieved, 7 missed, 9 open).

TargetOriginal wordingSaidLatest callVerdict
Net Interest Margin (NIM)Maintain 2.64% or better
Call transcript, Q4 FY26 · 29 Apr 2026		Q4 FY26Q1 FY27:NIM for Q1 FY27 was 2.80%, significantly exceeding the target.
Call transcript, Q1 FY27 · 15 Jul 2026		Achieved
Credit CostAround 1% for FY27
Call transcript, Q4 FY26 · 29 Apr 2026		Q4 FY26Q1 FY27:No specific credit cost figure for Q1 FY27 was provided to verify the promise, though NPA provisions increased substantially.
Call transcript, Q1 FY27 · 15 Jul 2026		Ghosted
Recovery from Written-off AccountsSustain the recovery number next year (similar to FY26's ~₹4,000 cr)
Call transcript, Q4 FY26 · 29 Apr 2026		Q4 FY26Q1 FY27:Management acknowledged that Q1 recovery was lower than the Q4 run-rate due to a one-off bulk recovery in the previous quarter, putting the full-year target at risk.
Call transcript, Q1 FY27 · 15 Jul 2026		At Risk

Source: Inve Guidance Tracker for Union Bank of India · to Q1 FY27

A verdict describes what became of management’s own words in later analysed calls. “Delayed” is a change of date, “went quiet” a target the calls stopped mentioning. None of it is a judgement on the investment. The methodology sets out how verdicts are recorded.

7 of Union Bank of India's 20 targets were missed. See which ones, and which are quietly gone. The 3 above are the free sample; 17 more targets are in the full ledger.

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Price

₹184.6 +1.88% · +₹3.4

Last close 27 Oct 2026 · NSE · INR · Source: Inve

Performance +30.2% 1Y

₹140₹160₹180₹200Oct 25Dec 25Jan 26Mar 26Apr 26Jun 26Jul 26Sept 26Oct 26Q2 FY26 — 30 Oct 2025Q3 FY26 — 14 Jan 2026Q4 FY26 — 29 Apr 2026Q1 FY27 — 15 Jul 2026

1Y: ₹141.77 on 24 Oct 2025 → ₹184.6. High ₹202.27 (27 Feb 2026), low ₹141.77 (24 Oct 2025).

Previous close
₹181.2
Market cap
₹1.4L Cr
52-week range
₹142.32 – ₹202.27
One year
+27.35%
Price to earnings (TTM to Sept 2026)
6.39×
Return on equity (TTM to Sept 2026)
15.26%

Overview

Symbol
NSE:UNIONBANK
Exchange
NSE
Currency
INR

What Union Bank of India does

Based on the company's own presentations, annual report and earnings calls.

Union Bank of India is a public-sector bank majority-owned by the Government of India, providing retail, MSME, agriculture and corporate/wholesale banking along with treasury operations. It serves customers through a pan-India network of branches, ATMs and business-correspondent points plus the Vyom digital banking app. The bank earns primarily from interest on advances and investments, supplemented by fee income and treasury income.

Segments

  • Retail Banking
  • MSME
  • Agriculture
  • Corporate/Wholesale Banking
  • Treasury
Total branches
8,697
Total ATMs
8,656
Business Correspondent points
26,147
Employees
73,885
Vyom app users
3.1 crore
Gold Loan Points
1,675
Headquarters Union Bank Bhavan, 239, Vidhan Bhavan Marg, Nariman Point, MumbaiEmployees 73,885 (FY2024-25)

How the price took the results

close before → close after

Q1 FY27
+1.0%
15 Jul
Q4 FY26
−1.9%
29 Apr
Q3 FY26
+7.9%
14 Jan
Q2 FY26
−2.6%
30 Oct

The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.

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