INTEGRATED FILING — BANKING
General information about company
| Scrip code |
532477 |
| NSE Symbol |
UNIONBANK |
| MSEI Symbol |
NOTLISTED |
| ISIN |
INE692A01016 |
| Name of bank |
Union Bank of India |
| Class of security |
Equity |
| Date of start of financial year |
01-04-2025 |
| Date of end of financial year |
31-03-2026 |
| Date of board meeting when results were approved |
30-10-2025 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
20-10-2025 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
Second quarter |
| Nature of report standalone or consolidated |
Consolidated |
| Whether results are audited or unaudited |
Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended |
Unaudited |
| Segment Reporting |
Multi segment |
| Description of single segment |
|
| Start date and time of board meeting |
30-10-2025
10:30:00 |
| End date and time of board meeting |
30-10-2025 12:10:00
|
| Whether cash flow statement is applicable on company |
Yes |
| Type of cash flow statement |
Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification |
Declaration of unmodified opinion |
Financial Results - Banking
Amount in (Lakhs)
| Particulars |
3 months/ 6 months ended (dd-mm-yyyy) |
Year to date figures for current period ended (dd-mm-yyyy) |
| A |
Date of start of reporting period |
01-07-2025 |
01-04-2025 |
| B |
Date of end of reporting period |
30-09-2025 |
30-09-2025 |
| C |
Whether results are audited or unaudited |
Unaudited |
Unaudited |
| D |
Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Interest earned
|
|
Interest or discount on advances or bills |
19,67,740.00 |
39,82,127.00 |
|
Income on investments |
5,36,396.00 |
11,30,867.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
1,53,685.00 |
2,83,304.00 |
|
Others |
8,660.00 |
17,676.00 |
|
Total interest earned |
26,66,481.00 |
54,13,974.00 |
| 2 |
Other income |
5,55,030.00 |
10,41,930.00 |
| 3 |
Total income |
32,21,511.00 |
64,55,904.00 |
|
Expenses
|
| 4 |
Interest expenses |
17,70,689.00 |
35,93,798.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
4,00,250.00 |
8,03,441.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Other Operating Expenses |
3,66,093.00 |
6,80,591.00 |
|
Total other operating Expenses |
3,66,093.00 |
6,80,591.00 |
|
Total Operating Expenses |
7,66,343.00 |
14,84,032.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 25,37,032.00 |
50,77,830.00 |
| 7 |
Operating profit before provision and contingencies |
6,84,479.00 |
13,78,074.00 |
| 8 |
Provisions other than tax and contingencies |
1,39,228.00 |
3,05,955.00 |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 5,45,251.00 |
10,72,119.00 |
| 11 |
Provision for Tax |
1,17,124.00 |
2,30,335.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
4,28,127.00 |
8,41,784.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
4,28,127.00 |
8,41,784.00 |
| 15 |
Share of profit (loss) of associates
| 14,468.00 |
43,605.00 |
| 16
| Profit (loss) of minority interest
| 0.00 |
0.00 |
| 17
| Net Profit (loss) after taxes minority interest and share of profit
(loss) of associates
| 4,42,595.00 |
8,85,389.00 |
|
| 18 |
Details of equity share capital [Abstract]
|
|
Paid-up equity share capital
| 7,63,361.00 |
7,63,361.00 |
|
Face value of equity share capital
| 10 |
10 |
| 19 |
Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) |
|
|
|
| 20 |
Analytical ratios |
| (i)
| Percentage of share held by government of India |
74.7600 |
74.7600 |
| (ii) |
Capital adequacy ratio
|
|
CET 1 ratio |
15.0100 |
15.0100 |
|
| Additional Tier 1 ratio |
1.2100 |
1.2100 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 5.8 |
11.6 |
|
Diluted earnings per share before extraordinary items
| 5.8 |
11.6 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 5.8 |
11.6 |
|
Diluted earnings per share after extraordinary items
| 5.8 |
11.6 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 0.00 |
0.00 |
|
Amount of net non-performing assets
| 0.00 |
0.00 |
|
% of gross NPAs |
0 |
0 |
|
% of net NPAs
| 0 |
0 |
|
Return on assets
| 0 |
0 |
| 21 |
Disclosure of notes on financial results by banks
| |
Statement of Asset and Liabilities
Amount in (Lakhs)
| Particulars |
Year ended (dd-mm-yyyy)
|
| Date of start of reporting period |
01-04-2025 |
| Date of end of reporting period |
30-09-2025 |
| Whether results are audited or unaudited |
Unaudited |
| Nature of report standalone or consolidated |
Consolidated |
| 1 |
Capital and liabilities |
|
Capital |
7,73,761.00 |
|
Reserves and surplus |
1,18,15,735.00 |
|
Deposits |
12,37,04,970.00 |
|
Borrowings |
69,19,662.00 |
|
| Other liabilities and provisions |
58,18,219.00 |
|
Total Capital Liabilities |
14,90,32,347.00 |
| 2
| ASSETS
|
|
| Cash and Balances with Reserve Bank of India |
60,78,187.00 |
|
| Balances with Banks and money at call and short notice
| 52,76,787.00 |
|
Investments |
3,57,74,703.00 |
|
Advances |
9,51,79,576.00 |
|
Fixed Assets |
99994900000 |
|
Other Assets |
57,23,145.00 |
|
Total Assets |
14,90,32,347.00 |
|
Disclosure of notes on assets and liabilities |
|
Text Block
Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Amount in (Lakhs)
| Particulars |
3 months/ 6 months ended (dd-mm-yyyy) |
Year to date figures for current period ended (dd-mm-yyyy) |
| Date of start of reporting period |
01-07-2025 |
01-04-2025 |
| Date of end of reporting period |
30-09-2025 |
30-09-2025 |
| Whether results are audited or unaudited |
Unaudited |
Unaudited |
| Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Segment Revenue (Income)
|
|
| (net sale/income from each segment should be disclosed) |
| 1 |
Treasury Operation |
8,08,941.00 |
16,70,360.00 |
| 2 |
Retail Banking Operation |
11,42,288.00 |
23,21,525.00 |
| 3 |
Corporate/Wholesale Banking Operations |
11,18,951.00 |
22,22,383.00 |
| 4 |
Other Banking Operations |
41,198.00 |
73,882.00 |
| 5 |
Unallocated |
1,10,133.00 |
1,67,754.00 |
|
| Total Segment Revenue
| 32,21,511.00 |
64,55,904.00 |
|
Less: Inter segment revenue |
|
|
|
Income from operations |
32,21,511.00 |
64,55,904.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury Operation |
1,96,127.00 |
3,68,369.00 |
| 2 |
Retail Banking Operation |
1,45,460.00 |
3,78,313.00 |
| 3 |
Corporate/Wholesale Banking Operations |
1,26,519.00 |
2,27,873.00 |
| 4 |
Other Banking Operations |
20,388.00 |
36,991.00 |
| 5 |
Unallocated |
56,757.00 |
60,573.00 |
|
Total Profit before tax |
5,45,251.00 |
10,72,119.00 |
|
i. Finance cost |
0.00 |
0.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
0.00 |
0.00 |
|
Profit before tax |
5,45,251.00 |
10,72,119.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury Operation |
4,74,93,032.00 |
4,74,93,032.00 |
| 2 |
Retail Banking Operation |
4,58,20,444.00 |
4,58,20,444.00 |
| 3 |
Corporate/Wholesale Banking Operations |
5,10,94,596.00 |
5,10,94,596.00 |
| 4 |
Other Banking Operations |
0.00 |
0.00 |
| 5 |
Unallocated |
46,24,275.00 |
46,24,275.00 |
|
Total Segment Assets |
14,90,32,347.00 |
14,90,32,347.00 |
|
Un-allocable Assets |
0.00 |
0.00 |
|
Net Segment Assets |
14,90,32,347.00 |
14,90,32,347.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury Operation |
4,35,87,529.00 |
4,35,87,529.00 |
| 2 |
Retail Banking Operation |
4,20,52,483.00 |
4,20,52,483.00 |
| 3 |
Corporate/Wholesale Banking Operations |
4,68,92,925.00 |
4,68,92,925.00 |
| 4 |
Other Banking Operations |
0.00 |
0.00 |
| 5 |
Unallocated |
39,09,914.00 |
39,09,914.00 |
| |
Total Segment Liabilities |
13,64,42,851.00 |
13,64,42,851.00 |
| |
Un-allocable Liabilities |
0.00 |
0.00 |
|
Net Segment Liabilities |
13,64,42,851.00 |
13,64,42,851.00 |
|
Disclosure of notes on segments |
|
Cash Flow Statement, Indirect
Amount in (Lakhs)
| Particulars |
Year ended (dd-mm-yyyy) |
| A |
Date of start of reporting period |
01-04-2025 |
| B |
Date of end of reporting period |
30-09-2025 |
| C |
Whether results are audited or unaudited |
Unaudited |
| D |
Nature of report standalone or consolidated |
Consolidated |
| 1 |
Statement of cash flows |
|
Cash flows from used in operating activities |
|
Profit before extraordinary items and tax |
10,72,119.00 |
| 2 |
Adjustments for reconcile profit (loss) |
|
Adjustments to profit (loss) |
|
Adjustments for finance costs |
0.00 |
|
Adjustments for depreciation and amortisation expense |
60,325.00 |
|
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss
|
0.00
|
|
Adjustments for unrealised foreign exchange losses gains |
0.00 |
|
Adjustments for dividend income |
0.00 |
|
Adjustments for share-based payments |
0.00 |
|
Other adjustments for which cash effects are investing or financing cash flow |
0.00 |
|
Other adjustments to reconcile profit (loss) |
0.00 |
|
Other adjustments for non-cash items |
5,28,464.00 |
|
Share of profit and loss from partnership firm or association of persons or limited
liability partnerships |
43,605.00
|
|
Total adjustments to profit (loss) |
6,32,394.00
|
| 3 |
Adjustments for working capital |
|
Adjustments for decrease (increase) in inventories |
0.00 |
|
Adjustments for decrease (increase) in trade receivables |
3,25,893.00 |
|
Adjustments for decrease (increase) in other current assets |
2,23,242.00 |
|
Adjustments for increase (decrease) in trade payables |
(37,73,904.00) |
|
Adjustments for increase (decrease) in other current liabilities |
2,64,294.00 |
|
Adjustments for provisions |
0.00 |
|
Total adjustments for working capital |
(29,60,475.00)
|
|
Total adjustments for reconcile profit (loss) |
(23,28,081.00) |
|
Net cash flows from (used in) operations |
(12,55,962.00) |
|
Dividends received |
0.00 |
|
Interest paid |
(42,840.00) |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
1,54,133.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) operating activities before extraordinary items |
(13,67,255.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) operating activities |
(13,67,255.00) |
| 4 |
Cash flows from used in investing activities |
|
Cash flows from losing control of subsidiaries or other businesses |
0.00 |
|
Cash flows used in obtaining control of subsidiaries or other businesses |
0.00
|
|
Other cash receipts from sales of equity or debt instruments of other entities |
0.00 |
|
Other cash payments to acquire equity or debt instruments of other entities |
0.00
|
|
Other cash receipts from sales of interests in joint ventures |
0.00 |
|
Other cash payments to acquire interests in joint ventures |
3,78,031.00
|
|
Cash receipts from share of profits of partnership firm or association of persons or
limited liability partnerships |
0.00
|
|
Cash payment for investment in partnership firm or association of persons or limited
liability partnerships |
0.00
|
|
Proceeds from sales of tangible assets |
1,149.00 |
|
Purchase of tangible assets |
84,247.00 |
|
Proceeds from sales of intangible assets |
0.00 |
|
Purchase of intangible assets |
0.00 |
|
Cash advances and loans made to other parties |
0.00 |
|
Cash receipts from repayment of advances and loans made to other parties |
0.00
|
|
Cash payments for future contracts, forward contracts, option contracts and swap contracts
|
0.00 |
|
Cash receipts from future contracts, forward contracts, option contracts and swap
contracts |
0.00 |
|
Dividends received |
0.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Proceeds from government grants |
0.00 |
|
Net cash flows from (used in) investing activities before extraordinary
items |
(4,61,129.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) investing activities |
(4,61,129.00) |
| 5 |
Cash flows from used in financing activities |
|
Proceeds from issuing shares |
0.00 |
|
Proceeds from issuing other equity instruments |
0.00 |
|
Proceeds from issuing debentures notes bonds etc |
0.00 |
|
Proceeds from borrowings |
5,20,420.00 |
|
Repayments of borrowings |
1,00,000.00 |
|
Dividends paid |
3,62,596.00 |
|
Interest paid |
42,840.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) financing activities before extraordinary
items |
14,984.00
|
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) financing activities |
14,984.00
|
|
Net increase (decrease) in cash and cash equivalents before effect of
exchange rate changes |
(18,13,400.00)
|
| 6 |
Effect of exchange rate changes on cash and cash equivalents |
|
Effect of exchange rate changes on cash and cash equivalents |
0.00 |
|
Net increase (decrease) in cash and cash equivalents |
(18,13,400.00)
|
|
Cash and cash equivalents cash flow statement at beginning of period |
1,31,68,374.00 |
|
Cash and cash equivalents cash flow statement at end of period |
1,13,54,974.00 |
Details of Impact of Audit Qualification
Amount in (Lakhs)
| Whether results are audited or unaudited |
Unaudited |
| Declaration of unmodified opinion or statement on impact of audit qualification |
Declaration of unmodified opinion |
| Auditor's opinion |
|
| Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015:
The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified
opinion for the period on Standalone results |
Yes |
| Sr No. |
Audit firm's name |
Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI |
Certificate valid upto |
| 1 |
G S Mathur and Co |
Yes |
30-04-2027 |
| 2 |
Chhajed and Doshi |
Yes |
31-01-2026 |
| 3 |
P Chandrasekhar LLP |
Yes |
31-03-2028 |
| 4 |
V K Ladha and Associates |
Yes |
30-04-2026 |