Union Bank of India

NSE: UNIONBANK BSE: 532477 SECTOR: Financial Services - Banks

169 1(1%)

Volume

2c as on 26, May

Open

174

High

124

Low

118

168

VWAP

168

52 Week High

205

52 Week Low

114

Viand Research Rating

Quality Score

00/00

Growth Score

00/00

Valuation Score

00/00

Momentum Score

00/00

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

1,28,817

No. of Shares

763

P/E

7.35

P/B

0.88

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

14.53

ROCE

Profit Growth

Listing Date

24-Sep-02

Promoter Holding

74.76%

FII Holding

9.37%

DII Holding

11.51%

Price Chart

Price Performance

1 Week6%

1 Month5%

3 Months17%

6 Months8%

1 Year19%

YTD9%

Moving Average

5 Day SMA163

10 Day SMA162

20 Day SMA164

30 Day SMA171

50 Day SMA173

61 Day SMA177

80 Day SMA178

200 Day SMA159

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	179	171	174	182
Resistance 2	174	170	171	176
Resistance 1	172	170	170	175
Pivot Point	167	169	167	168
Support 1	164	168	164	167
Support 2	159	167	162	161
Support 3	156	167	159	160

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	Div Yld %
1	HDFCBANK	12,11,614	787	2%	1%	22%	19%	16	0	0	0
2	ICICIBANK	9,24,275	1289	3%	3%	7%	11%	16	0	0	0
3	SBIN	8,95,185	970	2%	12%	1%	22%	12	0	0	0
4	BAJFINANCE	5,82,095	935	1%	1%	8%	2%	28	0	0	0
5	LICI	5,34,146	844	6%	6%	4%	2%	9	0	0	0
6	AXISBANK	4,05,648	1304	5%	5%	1%	9%	14	0	0	0
7	KOTAKBANK	3,87,315	389	2%	5%	81%	81%	20	0	0	0
8	BAJAJFINSV	2,89,972	1812	3%	2%	13%	11%	14	0	0	0
9	SHRIRAMFIN	2,26,801	964	3%	6%	11%	44%	19	0	0	0
10	SBILIFE	1,89,349	1888	0%	7%	7%	5%	77	0	0	0
Load More

Shareholding Pattern (%)

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021
Promoters	(0.01) 74.76%	(0.01) 74.76%	(0.01) 74.76%	(0.01) 74.76%	(0.01) 74.76%	(0.01) 74.76%	(0.01) 74.76%	(0.01) 74.76%	(-2.21) 74.76%	(0.01) 76.99%	(-6.51) 76.99%	(0.01) 83.49%	(0.01) 83.49%	(0.01) 83.49%	(0.01) 83.49%	(0.01) 83.49%	(0.01) 83.49%	(0.01) 83.49%	(0.01) 83.49%
FIIs	(1.21) 9.37%	(0.31) 8.14%	(0.21) 7.86%	(0.61) 7.70%	(0.71) 7.11%	(-0.41) 6.46%	(-0.51) 6.89%	(0.61) 7.37%	(2.81) 6.75%	(1.11) 3.97%	(1.41) 2.89%	(-0.21) 1.46%	(0.01) 1.66%	(0.21) 1.62%	(0.31) 1.43%	(-0.11) 1.13%	(0.01) 1.18%	(-0.31) 1.19%	(0.01) 1.49%
DIIs	(-0.41) 11.51%	(0.21) 11.91%	(-0.21) 11.70%	(0.31) 11.93%	(-0.31) 11.63%	(0.71) 11.94%	(-0.21) 11.22%	(-0.91) 11.38%	(0.01) 12.24%	(-0.41) 12.28%	(4.81) 12.69%	(-0.41) 7.88%	(-0.11) 8.27%	(1.31) 8.39%	(0.11) 7.05%	(-0.11) 6.90%	(0.01) 7.05%	(0.31) 7.02%	(0.01) 6.72%
Public	4.36%	5.21%	5.67%	5.60%	6.50%	6.85%	7.12%	6.50%	6.25%	6.76%	7.42%	7.17%	6.57%	6.49%	8.02%	8.47%	8.27%	8.30%	8.29%
No. of Shareholders	907,910	920,603	955,839	961,173	1,041,211	1,022,300	1,019,061	984,229	914,940	874,309	865,251	775,773	783,550	780,208	781,554	798,214	761,809	739,143	690,809

Quarterly Results

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021	Jun 2021
Sales	26676	26819	26205	27475	27869	26720	26887	26527	26510	25521	24732	23613	22163	20966	19778	18256	17028	17072	16851	17279
Expenses	8744	7994	9056	8844	9673	8096	8686	9367	9365	8012	7962	7978	10041	8817	9598	8442	6940	7946	9410	8713
Operating Profit	927	1455	-98	400	-49	1274	480	156	179	1273	1271	971	-1688	-93	-1204	-784	-321	-635	-2441	-1561
OPM %	3	5	0	1	0	5	2	1	1	5	5	4	-8	0	-6	-4	-2	-4	-14	-9
Other Income	5999	5183	5550	4869	6223	4614	5926	4799	5102	4281	4221	4209	5601	3669	3697	2948	2326	3161	4771	3267
Interest	17005	17370	17247	18231	18245	17350	17720	17004	16966	16236	15498	14664	13810	12242	11384	10598	10409	9762	9881	10127
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	6926	6638	5453	5269	6175	5889	6406	4954	5281	5554	5492	5180	3912	3576	2493	2165	2005	2526	2330	1706
Tax %	23	24	21	21	19	22	26	27	37	35	35	37	28	37	26	28	23	58	36	35
Net Profit	5504	5073	4426	4428	5011	4623	4751	3642	3328	3625	3572	3272	2812	2264	1853	1583	1557	1077	1511	1120
EPS in Rs	7.21	6.65	5.8	5.8	6.56	6.06	6.22	4.77	4.36	4.89	4.82	4.79	4.11	3.31	2.71	2.32	2.28	1.58	2.21	1.64

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Sales	106799	108417	100376	81163	68230	69311	37479	34314	32952	32817	32316	32164	29394	25169
Expenses	34638	34738	32422	36155	32264	36270	21166	19019	21181	13871	10349	9498	8829	7268
Operating Profit	2684	2946	4590	-3024	-4213	-11071	-9523	-8601	-11700	-4830	-1928	-973	-902	325
OPM %	3	3	5	-4	-6	-16	-25	-25	-36	-15	-6	-3	-3	1
Other Income	21601	21562	17813	15915	13524	14307	5789	5042	5462	5430	3934	3957	3141	2868
Interest	69477	70733	63364	48033	40178	44112	25837	23896	23471	23776	23894	23640	21467	17575
Depreciation	0	1084	896	745	745	908	417	374	368	241	249	225	198	156
Profit before tax	24284	23424	21507	12147	8566	2327	-4151	-3933	-6607	359	1758	2759	2040	3037
Tax %	23	23	36	31	39	-22	-27	-25	-21	-58	24	36	18	30
Net Profit	19430	18027	13797	8512	5265	2863	-3121	-2922	-5212	573	1347	1771	1687	2146
EPS in Rs	25.45	23.62	18.07	12.45	7.7	4.47	-9.12	-16.58	-44.61	8.33	19.73	27.69	26.59	36.14
Dividend Payout %	20	20	20	24	25	0	0	0	0	0	10	22	15	22

Cash Flows

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Cash from Operating Activity	-35798	17479	19930	6056	36339	20527	-7681	-7778	6097	-6624	81	-3567	2570	-4245
Cash from Investing Activity	-7075	-1891	-1394	-2561	-558	-601	-377	-297	-315	-280	-9	-318	-363	-343
Cash from Financing Activity	7729	-3550	-11489	-10654	-786	-18861	20144	1758	10792	10194	-2	3168	4902	5096
Net Cash Flow	-35145	12038	7047	-7159	34995	1066	12086	-6317	16574	3289	70	-718	7109	507

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Equity Capital	7738	7738	7634	7738	7634	6835	6835	6407	3423	1763	1169	687	687	636	630	597
Reserves	125814	118157	106200	99930	89964	71969	64026	58331	30567	25073	24083	23406	22361	19263	18004	16722
Borrowings	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	66395	58182	57714	45415	52831	46495	37292	40063	16369	10964	9900	13167	9562	11048	9300	8003
Total Liabilities	1587503	1490323	1511329	1424200	1401996	1288357	1193766	1082377	555509	498581	491120	455681	407365	383566	355013	312912
Fixed Assets	11660	9999	9765	9249	9224	8826	7171	7303	4734	3743	3824	3896	3939	2690	2621	2483
CWIP	0	0	59	0	36	22	37	63	54	44	34	21	13	4	2	13
Investments	343623	357747	361903	360309	343953	343727	351839	339059	154251	128391	125485	113441	90573	85818	94636	81808
Other Assets	1232220	1122577	1139602	1054642	1048783	935782	834718	735952	396470	366402	361777	338322	312840	295053	257753	228608
Total Assets	1587503	1490323	1511329	1424200	1401996	1288357	1193766	1082377	555509	498581	491120	455681	407365	383566	355013	312912

OI Chart

Price

Delivery

#	Date	156 26% 197	Value (Cr)	Q/T 278	Del 41	Del 509
1	27-May	169	128	177	42	53
2	26-May	168	272	227	34	94
3	25-May	169	318	314	51	162
4	22-May	161	138	205	46	64
5	21-May	160	134	192	38	50
6	20-May	159	136	172	43	58
7	19-May	159	99	165	44	44
8	18-May	159	164	176	35	57
9	15-May	162	151	181	47	71
10	14-May	165	211	196	35	75
11	13-May	162	192	151	45	87
12	12-May	162	186	188	48	90
13	11-May	164	149	141	45	67
14	8-May	166	249	213	55	136
15	7-May	167	195	162	51	100
16	6-May	169	263	200	46	121
17	5-May	164	198	183	42	83
18	4-May	164	241	137	52	124
19	30-Apr	166	282	190	43	121
20	29-Apr	167	402	249	43	172
21	28-Apr	170	643	344	57	368
22	27-Apr	176	304	229	44	134
23	24-Apr	177	483	261	40	193
24	23-Apr	180	1203	281	26	316
25	22-Apr	194	422	218	40	169
26	21-Apr	191	266	183	43	115
27	20-Apr	189	269	208	31	85
28	17-Apr	189	166	222	32	54
29	16-Apr	188	222	165	38	84
30	15-Apr	189	231	173	36	83
31	13-Apr	185	342	236	20	68
32	10-Apr	189	244	193	38	92
33	9-Apr	185	260	155	26	67
34	8-Apr	186	380	204	31	117
35	7-Apr	172	268	204	18	49
36	6-Apr	174	290	249	18	53
37	2-Apr	172	247	197	21	52
38	1-Apr	172	258	211	33	84
39	30-Mar	164	451	219	38	170
40	27-Mar	175	1532	420	64	975
41	25-Mar	180	317	180	37	116
42	24-Mar	174	216	137	32	69
43	23-Mar	169	191	146	35	67
44	20-Mar	178	335	183	40	135
45	19-Mar	172	168	136	40	67

Daily Market Cap

Date	Total Market Cap	Change	Chg %
27-May	1,28,748c	1,275c	1.00
26-May	1,27,474c	1,763c	1.36
25-May	1,29,237c	6,641c	5.42
22-May	1,22,596c	183c	0.15
21-May	1,22,779c	947c	0.78
20-May	1,21,832c	473c	0.39
19-May	1,21,359c	931c	0.77
18-May	1,20,428c	3,313c	2.68
15-May	1,23,741c	2,366c	1.88
14-May	1,26,107c	2,679c	2.17
13-May	1,23,428c	687c	0.55
12-May	1,24,115c	924c	0.74
11-May	1,25,039c	2,702c	2.12
07-May	1,27,741c	870c	0.69
06-May	1,26,871c	1,870c	1.50
05-May	1,25,000c	2,992c	2.34
04-May	1,27,993c	2,443c	1.95
30-Apr	1,25,550c	2,069c	1.62
29-Apr	1,27,619c	2,954c	2.26
28-Apr	1,30,573c	4,061c	3.02
24-Apr	1,34,634c	11,977c	8.17
23-Apr	1,46,611c	1,710c	1.15
22-Apr	1,48,321c	2,863c	1.97
21-Apr	1,45,458c	672c	0.46
20-Apr	1,46,130c	2,015c	1.40
17-Apr	1,44,115c	901c	0.63
16-Apr	1,43,214c	336c	0.23
15-Apr	1,43,550c	2,924c	2.08
13-Apr	1,40,626c	0	0

Stock Checklist

Price is above from 52 week high low average: 19%

Stock is trading above all short term SMAs: NO

Stock is trading above all long term SMAs: YES

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: YES

Promoters are buying the stock: NO

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