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NSE Close — 25 Sep 2026
₹180.2
Change
+0.75 (0.42%)
Open
₹178.78
Prev. Close
₹179.45
Day High
₹180.72
Day Low
₹178.34
Volume Analysis
Traded
6,466,107
Delivered
3,393,941
Delivery %
52.49%
End-of-day NSE price via the official Bhavcopy — updated once daily after market close, not a live tick.
Strengths, Weaknesses, Opportunities & Threats
Strengths (0)
No signal for this stock
Weaknesses (1)
- •Promoter holding is falling
Opportunities (2)
- •Strong 3-year EPS growth (26.9%)
- •FII holding has been rising
Threats (0)
No signal for this stock
Rule-based signals from the fundamentals below — not investment advice.
Pivot Levels
| Type | R3 | R2 | R1 | Pivot | S1 | S2 | S3 |
|---|---|---|---|---|---|---|---|
| Classic | ₹183.54 | ₹182.13 | ₹181.16 | ₹179.75 | ₹178.78 | ₹177.37 | ₹176.4 |
| Fibonacci | ₹182.13 | ₹181.22 | ₹180.66 | ₹179.75 | ₹178.84 | ₹178.28 | ₹177.37 |
| Camarilla | ₹180.85 | ₹180.64 | ₹180.42 | ₹179.75 | ₹179.98 | ₹179.76 | ₹179.55 |
Support/resistance levels for today, calculated from the previous trading day's high/low/close.
Absolute Returns
YTD
+17.33%
1 Week
+1.18%
1 Month
-3.12%
3 Months
+4.51%
6 Months
+4.99%
1 Year
+34.4%
2Y/3Y/5Y not shown yet — price history tracking only goes back to mid-2025 so far.
Stock Vitals
Computed from the latest available annual financials.
Graham Number
₹323.71
Current price is at or below the Graham Number — Benjamin Graham's estimate of fair value based on earnings and book value.
Company Overview
Sector
Financial Services
Market Cap
₹137,558 Cr
P/E (TTM)
6.66
ROE
15.7%
Book Value
₹183.0
Face Value
₹10.0
Source: Screener.in (Consolidated figures) — data as of 27 Sep 2026. Not investment advice.
TopFund Analysis
Union Bank Of India holds up reasonably well on TopFund's composite fundamentals check within the Financial Services sector, at 67/100. The strongest factor is Growth (100/100), while Business Quality (44/100) is the weakest area to weigh before deciding. Notably: Promoter holding is falling. Strong 3-year EPS growth (26.9%).
TopFund Score — Fundamentals Quality
67/100 — GoodData confidence: 72/100 (Moderate Confidence) — based on how complete and how fresh the underlying data is.
As of 27 Sep 2026 · How we calculate this →
Growth
Valuation
Corporate Governance
Momentum
Institutional Ownership
Business Quality
Risk & Volatility
Liquidity
From Screener.in
- +Stock is trading at 0.99 times its book value
- +Company has delivered good profit growth of 46.9% CAGR over last 5 years
- +Company has been maintaining a healthy dividend payout of 19.9%
- −Company has low interest coverage ratio.
- −The company has delivered a poor sales growth of 9.03% over past five years.
- −Contingent liabilities of Rs.6,97,277 Cr.
- −Company might be capitalizing the interest cost
Not investment advice — an automated read of public fundamentals data, for research context only.
Corporate Actions
Union Bank of India released its Integrated Annual Report 2025-26, including ratings, board and management details.
Brickwork reaffirmed Tier-II bond rating at AAA/Stable; withdrew AT1 bond ratings after full redemption.
Union Bank paid ₹1,095 crore on 10,000 bonds under call option on 15 Sep 2026.
RBI imposed ₹1,33,850 penalty on Union Bank for currency chest deficiencies; impact not significant.
Source: BSE regulatory filings, via Screener.in.
Quarterly Results
Last several quarters
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 23,613 | 24,732 | 25,521 | 26,510 | 26,527 | 26,887 | 26,720 | 27,869 | 27,099 | 26,205 | 26,819 | 26,676 | 27,427 |
| Expenses + | 7,978 | 7,962 | 8,012 | 9,365 | 9,367 | 8,686 | 8,096 | 9,673 | 8,844 | 9,056 | 7,994 | 8,744 | 8,388 |
| Financing Profit | 971 | 1,271 | 1,273 | 179 | 156 | 480 | 1,274 | -49 | 400 | -98 | 1,455 | 927 | 1,834 |
| Financing Margin % | 4.0% | 5.0% | 5.0% | 1.0% | 1.0% | 2.0% | 5.0% | 0.0% | 1.0% | 0.0% | 5.0% | 3.0% | 7.0% |
| Other Income + | 4,209 | 4,221 | 4,281 | 5,102 | 4,799 | 5,926 | 4,614 | 6,223 | 4,869 | 5,550 | 5,183 | 5,999 | 5,233 |
| Interest | 14,664 | 15,498 | 16,236 | 16,966 | 17,004 | 17,720 | 17,350 | 18,245 | 17,855 | 17,247 | 17,370 | 17,005 | 17,206 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 5,180 | 5,492 | 5,554 | 5,281 | 4,954 | 6,406 | 5,889 | 6,175 | 5,269 | 5,453 | 6,638 | 6,926 | 7,067 |
| Tax % | 37.0% | 35.0% | 35.0% | 37.0% | 27.0% | 26.0% | 22.0% | 19.0% | 21.0% | 21.0% | 24.0% | 23.0% | 24.0% |
| Net Profit + | 3,272 | 3,572 | 3,625 | 3,328 | 3,642 | 4,751 | 4,623 | 5,011 | 4,428 | 4,426 | 5,073 | 5,504 | 5,642 |
| EPS in Rs | 5 | 5 | 5 | 4 | 5 | 6 | 6 | 7 | 6 | 6 | 7 | 7 | 7 |
| Raw PDF | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net NPA % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Gross NPA % | — | — | — | — | — | — | — | — | — | — | — | — | — |
Source: Screener.in — figures in ₹ Crores unless marked %.
Profit & Loss (Yearly)
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 32,164 | 32,316 | 32,817 | 32,952 | 34,314 | 37,479 | 69,311 | 68,230 | 81,163 | 100,376 | 106,600 | 106,799 | 107,127 |
| Expenses + | 9,498 | 10,349 | 13,871 | 21,181 | 19,019 | 21,166 | 36,270 | 32,264 | 36,155 | 32,422 | 34,738 | 33,434 | 34,181 |
| Financing Profit | -973 | -1,928 | -4,830 | -11,700 | -8,601 | -9,523 | -11,071 | -4,213 | -3,024 | 4,590 | 2,946 | 3,888 | 4,118 |
| Financing Margin % | -3.0% | -6.0% | -15.0% | -36.0% | -25.0% | -25.0% | -16.0% | -6.0% | -4.0% | 5.0% | 3.0% | 4.0% | 4.0% |
| Other Income + | 3,957 | 3,934 | 5,430 | 5,462 | 5,042 | 5,789 | 14,307 | 13,524 | 15,915 | 17,813 | 21,562 | 21,601 | 21,965 |
| Interest | 23,640 | 23,894 | 23,776 | 23,471 | 23,896 | 25,837 | 44,112 | 40,178 | 48,033 | 63,364 | 68,916 | 69,477 | 68,828 |
| Depreciation | 225 | 249 | 241 | 368 | 374 | 417 | 908 | 745 | 745 | 896 | 1,084 | 1,204 | 0 |
| Profit before tax | 2,759 | 1,758 | 359 | -6,607 | -3,933 | -4,151 | 2,327 | 8,566 | 12,147 | 21,507 | 23,424 | 24,284 | 26,083 |
| Tax % | 36.0% | 24.0% | -58.0% | -21.0% | -25.0% | -27.0% | -22.0% | 39.0% | 31.0% | 36.0% | 23.0% | 23.0% | — |
| Net Profit + | 1,771 | 1,347 | 573 | -5,212 | -2,922 | -3,121 | 2,863 | 5,265 | 8,512 | 13,797 | 18,027 | 19,430 | 20,644 |
| EPS in Rs | 28 | 20 | 8 | -45 | -17 | -9 | 4 | 8 | 12 | 18 | 24 | 25 | 27 |
| Dividend Payout % | 22.0% | 10.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 25.0% | 24.0% | 20.0% | 20.0% | 20.0% | — |
Source: Screener.in — figures in ₹ Crores unless marked %.
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Reserves | 19,263 | 22,361 | 23,406 | 24,083 | 25,073 | 30,567 | 58,331 | 64,026 | 71,969 | 89,964 | 106,200 | 125,918 |
| Other Liabilities + | 11,048 | 9,562 | 13,167 | 9,900 | 10,964 | 16,369 | 40,063 | 37,292 | 46,495 | 52,831 | 57,714 | 66,395 |
| Total Liabilities | 383,566 | 407,365 | 455,681 | 491,120 | 498,581 | 555,509 | 1,082,377 | 1,193,766 | 1,288,357 | 1,401,996 | 1,511,329 | 1,587,503 |
| Fixed Assets + | 2,690 | 3,939 | 3,896 | 3,824 | 3,743 | 4,734 | 7,303 | 7,171 | 8,826 | 9,224 | 9,765 | 11,596 |
| CWIP | 4 | 13 | 21 | 34 | 44 | 54 | 63 | 37 | 22 | 36 | 59 | 64 |
| Investments | 85,818 | 90,573 | 113,441 | 125,485 | 128,391 | 154,251 | 339,059 | 351,839 | 343,727 | 343,953 | 361,903 | 343,623 |
| Other Assets + | 295,053 | 312,840 | 338,322 | 361,777 | 366,402 | 396,470 | 735,952 | 834,718 | 935,782 | 1,048,783 | 1,139,602 | 1,232,220 |
| Total Assets | 383,566 | 407,365 | 455,681 | 491,120 | 498,581 | 555,509 | 1,082,377 | 1,193,766 | 1,288,357 | 1,401,996 | 1,511,329 | 1,587,503 |
| Deposits | 325,990 | 344,118 | 377,195 | 410,288 | 417,505 | 452,436 | 925,654 | 1,034,368 | 1,120,322 | 1,224,593 | 1,274,789 | 1,309,759 |
| Borrowing | 26,628 | 30,637 | 41,226 | 45,680 | 43,276 | 52,714 | 51,922 | 51,245 | 42,737 | 26,974 | 64,992 | 77,798 |
| Equity Capital | 636 | 687 | 687 | 1,169 | 1,763 | 3,423 | 6,407 | 6,835 | 6,835 | 7,634 | 7,634 | 7,634 |
Source: Screener.in — figures in ₹ Crores unless marked %.
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 + | -3,567 | 81 | -6,624 | 6,097 | -7,778 | -7,681 | 20,527 | 36,339 | 6,056 | 19,930 | -204 | -358 |
| Cash from Investing Activity + | -318 | -9 | -280 | -315 | -297 | -377 | -601 | -558 | -2,561 | -1,394 | -19 | -71 |
| Cash from Financing Activity + | 3,168 | -2 | 10,194 | 10,792 | 1,758 | 20,144 | -18,861 | -786 | -10,654 | -11,489 | 338 | 77 |
| Net Cash Flow | -718 | 70 | 3,289 | 16,574 | -6,317 | 12,086 | 1,066 | 34,995 | -7,159 | 7,047 | 115 | -351 |
| CFO/OP | -13 | 0 | -27 | 74 | -45 | -55 | 63 | 103 | 21 | 34 | 0 | 0 |
| Free Cash Flow | -3,909 | 72 | -6,911 | 5,782 | -8,076 | -8,058 | 19,926 | 35,897 | 3,673 | 18,624 | -220 | -388 |
Source: Screener.in — figures in ₹ Crores unless marked %.
Shareholding Pattern
Quarter-by-quarter — Promoters, FII, DII & public holding trend
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Public | 7.42% | 6.76% | 6.25% | 6.5% | 7.12% | 6.85% | 6.5% | 5.6% | 5.67% | 5.21% | 4.36% | 4.64% |
| Promoters | 76.99% | 76.99% | 74.76% | 74.76% | 74.76% | 74.76% | 74.76% | 74.76% | 74.76% | 74.76% | 74.76% | 74.76% |
| FII | 2.89% | 3.97% | 6.75% | 7.37% | 6.89% | 6.46% | 7.11% | 7.7% | 7.86% | 8.14% | 9.37% | 8.63% |
| DII | 12.69% | 12.28% | 12.24% | 11.38% | 11.22% | 11.94% | 11.63% | 11.93% | 11.7% | 11.91% | 11.51% | 11.97% |
Source: Screener.in — quarterly shareholding disclosures.
Peers Comparison
Financial Services — ranked by market cap
| Company | Market Cap (Cr) | P/E | P/B | ROE |
|---|---|---|---|---|
| Union Bank Of India (this stock) | 137,558 | 6.66 | 0.98 | 15.7% |
| Punjab National Bank | 134,008 | 6.07 | 0.86 | 13.0% |
| BSE Limited | 131,710 | 46.5 | 19.69 | 46.0% |
| Tata Capital Limited | 143,965 | 26.5 | 3.14 | 12.4% |
| Jio Fin Services Ltd | 148,713 | 72.0 | 1.08 | 1.19% |
| Cholamandalam In & Fin Co | 151,192 | 26.3 | 4.96 | 19.4% |
| Bank Of Baroda | 121,889 | 5.56 | 0.72 | 12.7% |
Which Mutual Funds Hold Union Bank Of India?
Frequently Asked Questions about Union Bank Of India
Union Bank Of India (UNIONBANK) closed at ₹180.2 on NSE on 25 September 2026, up 0.75 (0.42%) from the previous close.
Union Bank Of India trades on the NSE (National Stock Exchange of India) under the symbol UNIONBANK.
Union Bank Of India has a trailing twelve-month P/E (price-to-earnings) ratio of 6.66.
Union Bank Of India has a dividend yield of 2.77%.
Union Bank Of India's 52-week high is ₹205.0 and its 52-week low is ₹134.0.
Union Bank Of India has a market capitalisation of ₹137,558 crore.
Union Bank Of India has a TopFund Quality Score of 67/100 (Good), a composite of profitability, balance-sheet health, growth and valuation. This is an analytical score based on public data, not personalized investment advice — see the full breakdown below before deciding.
Community Sentiment
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