Athira Sethu
Kochi, 24 April 2026
Union Bank of India reported a 3.03% year-on-year (YoY) increase in net profit to ₹5,315.76 crore, up from ₹4,984.92 crore in the same period last year. Despite the growth in profit, the bank faced a slight decline in net interest income and net interest margin, while showing improvements in asset quality and growth in key business segments.
The public sector lender’s stock has seen selling pressure post announcement of its results on Thursday. The share price of Union Bank of India was trading 2.4% down at Rs 175.36 (11 AM IST) in the morning trade on Friday in NSE.
Financial Performance (Q4 FY26 vs Q4 FY25)
| Metric | Q4 FY26 | Q4 FY25 | YoY Change |
| Net Profit | ₹5,315.76 crore | ₹4,984.92 crore | +3.03% |
| Net Interest Income (NII) | ₹9,406 crore | ₹9,514 crore | -1.13% |
| Net Interest Margin (NIM) | 2.64% | 2.97% | -0.33% |
Asset Quality
| Metric | Q4 FY26 | Q3 FY26 | Q4 FY25 |
| Gross NPA | 2.82% | 3.06% | 3.60% |
| Net NPA | 0.48% | 0.51% | 0.63% |
Business Growth & Segment Performance
| Metric | Value (as of Mar 31, 2026) | YoY Change |
| Total Business | ₹23.85 lakh crore | +5.78% |
| Gross Advances | — | +9.74% |
| Total Deposits | — | +2.72% |
| Global Deposit Base | ₹13.07 lakh crore | +2.72% |
| RAM Segment Growth | — | +12.56% |
| Retail Growth | — | +16.75% |
| MSME Growth | — | +16.75% |
| ROA (FY26) | 1.25% | — |
| ROE (FY26) | 15.86% | — |
Operational Footprint
| Metric | Value |
| Branches | 8,697 (including foreign branches) |
| ATMs | 8,656 |
Dividend & Shareholder Information
| Metric | Details |
| Proposed Dividend | ₹5 per equity share (face value ₹10) |
| Approval | Subject to statutory and AGM approval |
| AGM & Book Closure | To be announced |
Market Reaction
| Metric | Details |
| Share Price Impact | Fell over 8% intraday to ₹178 on NSE |
(This information is for educational purposes only. Please consult your financial advisor before investing in stocks)
