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 |
23-04-2026 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
20-04-2026 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
Fourth quarter |
| Nature of report standalone or consolidated |
Consolidated |
| Whether results are audited or unaudited |
Audited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended |
Audited |
| Segment Reporting |
Multi segment |
| Description of single segment |
|
| Start date and time of board meeting |
23-04-2026
09:40:00 |
| End date and time of board meeting |
23-04-2026 12:25:00
|
| 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 |
01-01-2026 |
01-04-2025 |
| B |
Date of end of reporting period |
31-03-2026 |
31-03-2026 |
| C |
Whether results are audited or unaudited |
Audited |
Audited |
| D |
Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Interest earned
|
|
Interest or discount on advances or bills |
20,34,578.00 |
80,09,845.00 |
|
Income on investments |
5,60,979.00 |
22,87,272.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
44,219.00 |
3,16,240.00 |
|
Others |
27,819.00 |
66,532.00 |
|
Total interest earned |
26,67,595.00 |
1,06,79,889.00 |
| 2 |
Other income |
5,99,858.00 |
21,60,062.00 |
| 3 |
Total income |
32,67,453.00 |
1,28,39,951.00 |
|
Expenses
|
| 4 |
Interest expenses |
17,00,541.00 |
69,47,733.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
3,53,904.00 |
15,68,731.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Other Operating Expenses |
4,15,423.00 |
14,51,842.00 |
|
Total other operating Expenses |
4,15,423.00 |
14,51,842.00 |
|
Total Operating Expenses |
7,69,327.00 |
30,20,573.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 24,69,868.00 |
99,68,306.00 |
| 7 |
Operating profit before provision and contingencies |
7,97,585.00 |
28,71,645.00 |
| 8 |
Provisions other than tax and contingencies |
1,05,031.00 |
4,43,195.00 |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 6,92,554.00 |
24,28,450.00 |
| 11 |
Provision for Tax |
1,59,159.00 |
5,50,388.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
5,33,395.00 |
18,78,062.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
5,33,395.00 |
18,78,062.00 |
| 15 |
Share of profit (loss) of associates
| 16,966.00 |
64,958.00 |
| 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
| 5,50,361.00 |
19,43,020.00 |
|
| 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) |
|
1,18,83,199.00 |
|
| 20 |
Analytical ratios |
| (i)
| Percentage of share held by government of India |
74.7600 |
74.7600 |
| (ii) |
Capital adequacy ratio
|
|
CET 1 ratio |
16.3900 |
16.3900 |
|
| Additional Tier 1 ratio |
0.9300 |
0.9300 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 7.21 |
25.45 |
|
Diluted earnings per share before extraordinary items
| 7.21 |
25.45 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 7.21 |
25.45 |
|
Diluted earnings per share after extraordinary items
| 7.21 |
25.45 |
| (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 |
31-03-2026 |
| Whether results are audited or unaudited |
Audited |
| Nature of report standalone or consolidated |
Consolidated |
| 1 |
Capital and liabilities |
|
Capital |
7,73,761.00 |
|
Reserves and surplus |
1,25,81,368.00 |
|
Deposits |
13,09,75,869.00 |
|
Borrowings |
77,79,787.00 |
|
Other liabilities and provisions |
|
| 1 |
Other liabilities and provisions |
66,39,484.00 |
|
Total of Other liabilities and provisions |
66,39,484.00 |
|
Total Capital Liabilities |
15,87,50,269.00 |
| 2
| ASSETS
|
|
| Cash and Balances with Reserve Bank of India |
66,47,663.00 |
|
| Balances with Banks and money at call and short notice
| 29,56,672.00 |
|
Investments |
3,43,62,305.00 |
|
Advances |
10,57,18,752.00 |
|
Fixed Assets |
11,65,981.00 |
|
Other Assets |
|
| 1 |
Other Assets |
78,98,896.00 |
|
Total of Other Assets |
78,98,896.00 |
|
Total Assets |
15,87,50,269.00 |
|
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 |
01-01-2026 |
01-04-2025 |
| Date of end of reporting period |
31-03-2026 |
31-03-2026 |
| Whether results are audited or unaudited |
Audited |
Audited |
| Nature of report standalone or consolidated |
Consolidated |
Consolidated |
| 1 |
Segment Revenue (Income)
|
|
| (net sale/income from each segment should be disclosed) |
| 1 |
Treasury Operations |
6,79,367.00 |
30,10,749.00 |
| 2 |
Retail Banking Operations |
12,27,496.00 |
47,57,399.00 |
| 3 |
Corporate/Wholesale Banking Operation |
11,74,719.00 |
44,37,858.00 |
| 4 |
Other Banking Operations |
47,286.00 |
1,74,507.00 |
| 5 |
Unallocated |
1,38,585.00 |
4,59,438.00 |
|
| Total Segment Revenue
| 32,67,453.00 |
1,28,39,951.00 |
|
Less: Inter segment revenue |
|
|
|
Income from operations |
32,67,453.00 |
1,28,39,951.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury Operations |
1,04,223.00 |
5,68,263.00 |
| 2 |
Retail Banking Operations |
2,73,792.00 |
9,25,122.00 |
| 3 |
Corporate/Wholesale Banking Operation |
2,30,422.00 |
6,73,498.00 |
| 4 |
Other Banking Operations |
25,347.00 |
89,033.00 |
| 5 |
Unallocated |
58,770.00 |
1,72,534.00 |
|
Total Profit before tax |
6,92,554.00 |
24,28,450.00 |
|
i. Finance cost |
0.00 |
0.00 |
|
ii. Other Unallocable Expenditure net off Unallocable income
|
0.00 |
0.00 |
|
Profit before tax |
6,92,554.00 |
24,28,450.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury Operations |
4,64,48,677.00 |
4,64,48,677.00 |
| 2 |
Retail Banking Operations |
5,07,43,094.00 |
5,07,43,094.00 |
| 3 |
Corporate/Wholesale Banking Operation |
5,68,60,622.00 |
5,68,60,622.00 |
| 4 |
Other Banking Operations |
0.00 |
0.00 |
| 5 |
Unallocated |
46,97,876.00 |
46,97,876.00 |
|
Total Segment Assets |
15,87,50,269.00 |
15,87,50,269.00 |
|
Un-allocable Assets |
0.00 |
0.00 |
|
Net Segment Assets |
15,87,50,269.00 |
15,87,50,269.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury Operations |
4,26,43,203.00 |
4,26,43,203.00 |
| 2 |
Retail Banking Operations |
4,65,85,784.00 |
4,65,85,784.00 |
| 3 |
Corporate/Wholesale Banking Operation |
5,22,02,111.00 |
5,22,02,111.00 |
| 4 |
Other Banking Operations |
0.00 |
0.00 |
| 5 |
Unallocated |
39,64,042.00 |
39,64,042.00 |
| |
Total Segment Liabilities |
14,53,95,140.00 |
14,53,95,140.00 |
| |
Un-allocable Liabilities |
0.00 |
0.00 |
|
Net Segment Liabilities |
14,53,95,140.00 |
14,53,95,140.00 |
|
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 |
31-03-2026 |
| C |
Whether results are audited or unaudited |
Audited |
| 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 |
24,28,450.00 |
| 2 |
Adjustments for reconcile profit (loss) |
|
Adjustments to profit (loss) |
|
Adjustments for finance costs |
0.00 |
|
Adjustments for depreciation and amortisation expense |
1,20,387.00 |
|
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 |
3,53,911.00 |
|
Share of profit and loss from partnership firm or association of persons or limited
liability partnerships |
64,958.00
|
|
Total adjustments to profit (loss) |
5,39,256.00
|
| 3 |
Adjustments for working capital |
|
Adjustments for decrease (increase) in inventories |
0.00 |
|
Adjustments for decrease (increase) in trade receivables |
(1,02,78,621.00) |
|
Adjustments for decrease (increase) in other current assets |
(9,11,699.00) |
|
Adjustments for increase (decrease) in trade payables |
34,96,995.00 |
|
Adjustments for increase (decrease) in other current liabilities |
10,32,932.00 |
|
Adjustments for provisions |
0.00 |
|
Total adjustments for working capital |
(66,60,393.00)
|
|
Total adjustments for reconcile profit (loss) |
(61,21,137.00) |
|
Net cash flows from (used in) operations |
(36,92,687.00) |
|
Dividends received |
0.00 |
|
Interest paid |
(1,45,057.00) |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
32,205.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) operating activities before extraordinary items |
(35,79,835.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) operating activities |
(35,79,835.00) |
| 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 |
4,04,273.00
|
|
Other cash receipts from sales of interests in joint ventures |
0.00 |
|
Other cash payments to acquire interests in joint ventures |
0.00
|
|
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 |
19,126.00 |
|
Purchase of tangible assets |
3,22,378.00 |
|
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 |
(7,07,525.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) investing activities |
(7,07,525.00) |
| 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 |
15,51,045.00 |
|
Repayments of borrowings |
2,70,500.00 |
|
Dividends paid |
3,62,596.00 |
|
Interest paid |
1,45,057.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) financing activities before extraordinary
items |
7,72,892.00
|
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) financing activities |
7,72,892.00
|
|
Net increase (decrease) in cash and cash equivalents before effect of
exchange rate changes |
(35,14,468.00)
|
| 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 |
(35,14,468.00)
|
|
Cash and cash equivalents cash flow statement at beginning of period |
0.00 |
|
Cash and cash equivalents cash flow statement at end of period |
(35,14,468.00) |
Details of Impact of Audit Qualification
Amount in (Lakhs)
| Whether results are audited or unaudited |
Audited |
| 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 |
31-01-2029 |
| 3 |
P Chandrasekhar LLP |
Yes |
31-03-2028 |
| 4 |
V K Ladha and Associates |
Yes |
30-04-2026 |