| Management target | Revenue 12.5% FY27 |
|---|
| Margins | Operating margin at 54% |
|---|---|
| Order book | Advances reached $115.8bn |
| Demand visibility | Strong RAM segment demand |
| Management confidence | High |
Growth
Standalone Q1 FY27 Net Profit rose to $563mn, up from $435mn in Q1 FY26. Operating revenue reached $1,547mn.
Outlook
Guided for 12.5% credit growth and 3.5% deposit growth for FY27. Targeting further NPA reduction via focused recoveries.
Risks
High credit-to-deposit ratio targets (12.5% vs 3.5% growth) could pressure liquidity; slippages remain a monitoring point.
Last quarter's promises, checked
Delivered
- Guided for improved NIMs → delivered 2.76% (up from 2.91% base despite 125bps rate cut) (= BEAT)
- Targeted RAM sector growth → delivered 11.50% RAM growth (Retail 21.67%, Agri 19.75%) (= BEAT)
- Targeted GNPA/NPA reduction → delivered reduced levels with 95% PCR (= BEAT)
Partly delivered
- Targeted PSLC income recovery → delivered INR 108 cr (vs INR 950 cr in prior year) (= PARTIAL)
Missed
- Guided for deposit growth to match credit → delivered 3.36% deposit growth vs 7.13% advances (= MISS)
Investor Presentation filed with NSE, NSE: UNIONBANK. Summary written with AI assistance from the document.
Union Bank of India: key numbers
- Share price
- ₹180.20
- Market cap
- ₹1,37,558 Cr
- Revenue (annual)
- ₹1,06,799 Cr
- Net profit (annual)
- ₹19,430 Cr
- P/E (TTM)
- 6.7×Sector 22.0×
- Promoter holding
- 74.76%+0.00% QoQ
- FII holding
- 8.63%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Union Bank of India
All →Union Bank of India Credit Rating
Union Bank of India's Tier-II Bonds (₹1,000 Cr) received BWR AAA/Stable reaffirmation; AT-1 Bonds ratings withdrawn post-full redemption. Stable outlook signals strong capital and improving asset quality.
Union Bank of India Debt & Borrowing: ₹1,000 Cr
Union Bank of India has completed the full redemption of its Basel III compliant Tier I Bonds worth ₹1,000 Crore. The redemption occurred on September 15, 2026.
- Value
- ₹1,000 Cr
Union Bank of India Debt & Borrowing: ₹1,095 Cr
Union Bank of India confirmed the payment of principal and interest (totaling ₹109.50 Crore) for its bonds, redeeming the outstanding amount in full via Call Option.
- Value
- ₹1,095 Cr
Union Bank of India Legal & Regulatory
Reserve Bank of India imposed a penalty of ₹0.01 Crore on Union Bank of India for deficiencies in currency chest management.
- Value
- ₹0.01 Cr
Union Bank of India Business Update
Union Bank of India reported strike notices served by unions for September and October 2026. The bank cannot currently quantify the potential impact on branch operations.
Union Bank of India Investor Presentation: Key Takeaways
Union Bank of India delivered high ROA of 1.36% and record operating profit exceeding INR 8,000 crores. Strategy focuses on five pillars: efficiency, robustness, quality growth, profitability, and customer centricity.