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 |
01-04-2026 |
| Date of end of financial year |
31-03-2027 |
| Date of board meeting when results were approved |
19-10-2026 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
13-10-2026 |
| 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 |
19-10-2026
10:00:00 |
| End date and time of board meeting |
19-10-2026 11:55:00
|
| 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 |
01-07-2026 |
01-04-2026 |
| B |
Date of end of reporting period |
30-09-2026 |
30-09-2026 |
| 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 |
22,01,994.00 |
43,08,953.00 |
|
Income on investments |
5,73,805.00 |
11,50,331.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
29,314.00 |
56,403.00 |
|
Others |
32,660.00 |
64,796.00 |
|
Total interest earned |
28,37,773.00 |
55,80,483.00 |
| 2 |
Other income |
5,09,356.00 |
10,32,670.00 |
| 3 |
Total income |
33,47,129.00 |
66,13,153.00 |
|
Expenses
|
| 4 |
Interest expenses |
17,61,241.00 |
34,81,809.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
4,06,352.00 |
7,98,867.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Other Operating Expenses |
3,64,440.00 |
7,13,356.00 |
|
Total other operating Expenses |
3,64,440.00 |
7,13,356.00 |
|
Total Operating Expenses |
7,70,792.00 |
15,12,223.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 25,32,033.00 |
49,94,032.00 |
| 7 |
Operating profit before provision and contingencies |
8,15,096.00 |
16,19,121.00 |
| 8 |
Provisions other than tax and contingencies |
70,219.00 |
1,67,558.00 |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 7,44,877.00 |
14,51,563.00 |
| 11 |
Provision for Tax |
1,87,837.00 |
3,57,706.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
5,57,040.00 |
10,93,857.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
5,57,040.00 |
10,93,857.00 |
| 15 |
Share of profit (loss) of associates
| 21,060.00 |
48,395.00 |
| 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
| 5,78,100.00 |
11,42,252.00 |
|
| 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 |
16.7200 |
16.7200 |
|
| Additional Tier 1 ratio |
0.7700 |
0.7700 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 7.57 |
14.96 |
|
Diluted earnings per share before extraordinary items
| 7.57 |
14.96 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 7.57 |
14.96 |
|
Diluted earnings per share after extraordinary items
| 7.57 |
14.96 |
| (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 |
01-04-2026 |
| Date of end of reporting period |
30-09-2026 |
| 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 |
1,36,44,269.00 |
|
Deposits |
13,22,30,968.00 |
|
Borrowings |
1,01,95,683.00 |
|
Other liabilities and provisions |
|
| 1 |
Other liabilities and provisions |
56,41,883.00 |
|
Total of Other liabilities and provisions |
56,41,883.00 |
|
Total Capital Liabilities |
16,24,86,564.00 |
| 2
| ASSETS
|
|
| Cash and Balances with Reserve Bank of India |
45,06,203.00 |
|
| Balances with Banks and money at call and short notice
| 9,30,019.00 |
|
Investments |
3,48,77,413.00 |
|
Advances |
11,36,28,044.00 |
|
Fixed Assets |
11,65,063.00 |
|
Other Assets |
|
| 1 |
Other Assets |
73,79,822.00 |
|
Total of Other Assets |
73,79,822.00 |
|
Total Assets |
16,24,86,564.00 |
|
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 |
01-07-2026 |
01-04-2026 |
| Date of end of reporting period |
30-09-2026 |
30-09-2026 |
| 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 |
6,88,653.00 |
13,70,291.00 |
| 2 |
Retail Banking Operations |
12,53,278.00 |
24,85,914.00 |
| 3 |
Corporate/Wholesale Banking Operations |
12,45,129.00 |
24,05,099.00 |
| 4 |
Other Banking Operations |
41,582.00 |
94,750.00 |
| 5 |
Unallocated |
1,18,487.00 |
2,57,099.00 |
|
| Total Segment Revenue
| 33,47,129.00 |
66,13,153.00 |
|
Less: Inter segment revenue |
|
|
|
Income from operations |
33,47,129.00 |
66,13,153.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury Operation |
1,29,955.00 |
2,39,780.00 |
| 2 |
Retail Banking Operations |
2,51,473.00 |
5,55,321.00 |
| 3 |
Corporate/Wholesale Banking Operations |
2,84,934.00 |
4,91,307.00 |
| 4 |
Other Banking Operations |
22,037.00 |
51,099.00 |
| 5 |
Unallocated |
56,478.00 |
1,14,056.00 |
|
Total Profit before tax |
7,44,877.00 |
14,51,563.00 |
|
i. Finance cost |
|
|
|
ii. Other Unallocable Expenditure net off Unallocable income
|
|
|
|
Profit before tax |
7,44,877.00 |
14,51,563.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury Operation |
4,25,48,915.00 |
4,25,48,915.00 |
| 2 |
Retail Banking Operations |
5,07,44,151.00 |
5,07,44,151.00 |
| 3 |
Corporate/Wholesale Banking Operations |
6,47,83,425.00 |
6,47,83,425.00 |
| 4 |
Other Banking Operations |
0.00 |
0.00 |
| 5 |
Unallocated |
44,10,073.00 |
44,10,073.00 |
|
Total Segment Assets |
16,24,86,564.00 |
16,24,86,564.00 |
|
Un-allocable Assets |
0.00 |
0.00 |
|
Net Segment Assets |
16,24,86,564.00 |
16,24,86,564.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury Operation |
3,88,76,457.00 |
3,88,76,457.00 |
| 2 |
Retail Banking Operations |
4,63,64,349.00 |
4,63,64,349.00 |
| 3 |
Corporate/Wholesale Banking Operations |
5,91,91,874.00 |
5,91,91,874.00 |
| 4 |
Other Banking Operations |
0.00 |
0.00 |
| 5 |
Unallocated |
36,35,854.00 |
36,35,854.00 |
| |
Total Segment Liabilities |
14,80,68,534.00 |
14,80,68,534.00 |
| |
Un-allocable Liabilities |
0.00 |
0.00 |
|
Net Segment Liabilities |
14,80,68,534.00 |
14,80,68,534.00 |
|
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 |
01-04-2026 |
| B |
Date of end of reporting period |
30-09-2026 |
| 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 |
14,51,563.00 |
| 2 |
Adjustments for reconcile profit (loss) |
|
Adjustments to profit (loss) |
|
Adjustments for finance costs |
35,420.00 |
|
Adjustments for depreciation and amortisation expense |
66,403.00 |
|
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 |
1,72,101.00 |
|
Share of profit and loss from partnership firm or association of persons or limited
liability partnerships |
0.00
|
|
Total adjustments to profit (loss) |
2,73,924.00
|
| 3 |
Adjustments for working capital |
|
Adjustments for decrease (increase) in inventories |
0.00 |
|
Adjustments for decrease (increase) in trade receivables |
(80,70,883.00) |
|
Adjustments for decrease (increase) in other current assets |
(1,94,456.00) |
|
Adjustments for increase (decrease) in trade payables |
12,55,099.00 |
|
Adjustments for increase (decrease) in other current liabilities |
(6,26,912.00) |
|
Adjustments for provisions |
0.00 |
|
Total adjustments for working capital |
(76,37,152.00)
|
|
Total adjustments for reconcile profit (loss) |
(73,63,228.00) |
|
Net cash flows from (used in) operations |
(59,11,665.00) |
|
Dividends received |
0.00 |
|
Interest paid |
35,420.00 |
|
Interest received |
0.00 |
|
Income taxes paid (refund) |
1,05,869.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) operating activities before extraordinary items |
(60,52,954.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) operating activities |
(60,52,954.00) |
| 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 |
48,409.00
|
|
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 |
486.00 |
|
Purchase of tangible assets |
66,034.00 |
|
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 |
(1,13,957.00) |
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) investing activities |
(1,13,957.00) |
| 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 |
26,00,897.00 |
|
Repayments of borrowings |
1,85,000.00 |
|
Dividends paid |
3,81,680.00 |
|
Interest paid |
35,420.00 |
|
Income taxes paid (refund) |
0.00 |
|
Other inflows (outflows) of cash |
0.00 |
|
Net cash flows from (used in) financing activities before extraordinary
items |
19,98,797.00
|
|
Proceeds from extraordinary items |
0.00 |
|
Payment for extraordinary items |
0.00 |
|
Net cash flows from (used in) financing activities |
19,98,797.00
|
|
Net increase (decrease) in cash and cash equivalents before effect of
exchange rate changes |
(41,68,114.00)
|
| 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 |
(41,68,114.00)
|
|
Cash and cash equivalents cash flow statement at beginning of period |
96,04,335.00 |
|
Cash and cash equivalents cash flow statement at end of period |
54,36,221.00 |
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 |
31-01-2029 |
| 3 |
P Chandrasekhar LLP |
Yes |
31-03-2028 |
| 4 |
V K Ladha and Associates |
Yes |
30-04-2029 |