Union Bank of India shares decline over 7% despite positive Q1 business updates; check all details

In a regulatory filing, the PSU bank said its total gross advances grew 12.5% from last year to ₹10.96 lakh crore, while total deposits increased 3.5% to ₹12.83 lakh crore on a year-on-year (YoY) basis.

Union Bank of India’s domestic deposits rose 3.5% YoY to ₹12.82 lakh crore, while CASA deposits advanced 11.7% to ₹4.5 lakh crore. Sequentially, both were down 1.8% and 2.1%, respectively.

At the end of the June quarter, the state-owned lender’s credit-deposit ratio (CD ratio) jumped 83.38%, marking a 714 basis points (bps) growth YoY.

Union Bank of India share price trends

At 11:30 AM, Union Bank of India shares were trading at ₹162.87 apiece on the National Stock Exchange, declining 3.83%.

Over a month’s time, the lender’s shares have fallen 2.3%, while the stock has gained 6% from the beginning of the year.

Shares of the firm had hit a 52-week high of ₹205.49 on February 27, 2026, and a 52-week low of ₹124.64 on August 29, 2025.

Union Bank of India Q4 earnings

Union Bank of India had posted a 3.03% year-on-year (YoY) growth in its net profit to ₹5,315.76 crore for the fourth quarter of the 2025-26 financial year (Q4 FY26). In the corresponding period of the previous fiscal year, it had logged a profit of ₹4,984.92 crore.

However, its net interest income (NII) fell 1.13% YoY to ₹9,406 crore for the reporting quarter, compared to ₹9,514 crore in the March quarter of the 2024-26 fiscal year (Q4 FY25). Its net interest margin contracted to 2.64% in Q4 FY26, as against 2.97% in the year-ago period.

Its asset quality improved, with its gross non-performing assets (GNPA) declining to 2.82% during the quarter under review, from 3.06% in the previous quarter and 3.60% in Q4 FY25. Union Bank of India’s net non-performing assets also improved to 0.48%, in comparison to 0.51% in the December quarter of FY26 and 0.63% in Q4 of the last fiscal year.

The bank has a total market capitalisation of ₹1.25 lakh crore, according to data on the NSE.