Union Bank of India profitability ratios

Profitability Growth Asset quality Capital Dividend yield

Per cent unless marked ×

Tap a line for its trend	Last 12Mto Sep 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus

Margins & efficiency
Returns						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	15.7%	15.7%	17.1%	14.1%	—
	1.2%	1.2%	1.2%	1.0%	0.7%
	2.4%	2.4%	2.6%	2.8%	2.6%
	51.3%	51.3%	47.3%	48.4%	47.9%
	0.4%	0.4%	0.9%	0.8%	1.8%
	2.0%	2.0%	1.9%	2.0%	1.8%
	16.8%	16.8%	16.6%	15.1%	16.4%
	80.7%	80.7%	72.9%	71.4%	68.2%
Additional
	24.1%	22.7%	23.5%	36.3%	30.6%
	—	19.3%	15.3%	15.0%	15.4%

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From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

alphave

UNIONBANK₹186.50

Union Bank of India

· Banking & Finance

₹ CrorePeersPNB CANBK BANKBARODA CHOLAFIN MUTHOOTFIN PFC SHRIRAMFIN RECLTDMcap ₹1.42L Cr

Profitability Growth Asset Quality Capital Yield Analysis

Ratios — % unless marked × 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Returns
Return on Common Equity	—	14.14	17.06	15.72	15.72
Return on Assets	0.65	1.02	1.23	1.21	1.21
Margins & Efficiency
Net Interest Margin (on assets)	2.57	2.75	2.59	2.41	2.41
Cost to Income	47.89	48.35	47.34	51.26	51.26
Credit Cost (provisions / avg advances)	1.75	0.83	0.85	0.44	0.44
Operating Expenses / Avg Assets	1.82	1.97	1.93	1.95	1.95
Other Income Share of Total Income	16.39	15.07	16.59	16.82	16.82
Credit-Deposit Ratio	68.22	71.38	72.91	80.72	80.72
Additional
Effective Tax Rate	30.59	36.26	23.49	22.66	24.14
Dvd Payout Ratio	15.40	14.96	15.33	19.31	—

No consensus estimates → no Est columns. Click any row to chart it.

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Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.