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Net interest income for the period under review was Rs 9,328 crore, up 0.95% YoY. Net interest margin was 2.76% for the December 2025 period as against 2.91% for the December 2024 period.
Operating expenses jumped 12.36% to Rs 6,927 crore in the December 2025 quarter from Rs 6,165 crore in the December 2024 quarter.
Accoridingly, the public sector bank registered an operating profit of Rs 6,942 crore in Q3 FY26, down 7.34% YoY.
Provisions and contingencies dropped by 79.85% to Rs 322.23 crore in Q3 FY26 from Rs 1,599.05 crore in Q3 FY25.
Profit before tax in Q3 FY26 stood at Rs 6,619.37 crore, up by 12.33% from Rs 5,892.77 crore in Q3 FY25.
Gross NPAs declined to 3.06% as of 31 December 2025, from 3.85% as of 31 December 2024. Net NPAs fell to 0.51% as of 31 December 2025 from 0.82% as of 31 December 2024.
Total business of the bank increased by 5.04% YoY to Rs 22,39,740 crore as on 31 December 2025.
The bank had total deposits base of Rs 12,22,856 crore as on 31 December 2025, up 3.36% YoY.
The RAM advances of the bank increased by 11.50% YoY to Rs 5,77,038 crore. The retail segment had recorded a growth of 21.67% and the MSME advances rose by 19.75% during the period under review. Agriculture advances fell by 5.39% YoY in the December 2025 period. RAM advances as a percent of domestic advances stood at 58.84%.
Gross advances of the bank as on 31 December 2025 were Rs 10,16,884 crore, up 7.13% YoY.
Union Bank of India is engaged in the business of treasury operations, corporate and wholesale banking, retail banking operations, and other banking operations. The Government of India held a 74.76% stake in the bank.
Union Bank of India rose for a third straight session today. The stock is quoting at Rs 166.45, up 2.52% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is down around 0.35% on the day, quoting at 26158.5. The Sensex is at 85002, down 0.51%. Union Bank of India has added around 12.19% in last one month.
Meanwhile, Nifty Bank index of which Union Bank of India is a constituent, has added around 1.5% in last one month and is currently quoting at 60044.2, up 0.14% on the day. The volume in the stock stood at 202.06 lakh shares today, compared to the daily average of 105.86 lakh shares in last one month.
The benchmark January futures contract for the stock is quoting at Rs 167, up 2.33% on the day. Union Bank of India is up 47.55% in last one year as compared to a 10.34% gain in NIFTY and a 19.77% gain in the Nifty Bank index.
The PE of the stock is 6.9 based on TTM earnings ending September 25.
Domestic CASA deposits were at Rs 4,15,001 crore during the quarter, registering a growth of 4.99% year on year (YoY) and 3.28% quarter on quarter (QoQ).
The bank’s total global business as of 31 December 2024 stood at Rs 21,65,632 crore, up 4.70% YoY and 0.24% QoQ.
Global gross advances gained 7.13% YoY and 4.27% QoQ to Rs 10,16,805 crore as of 31 December 2025.
Global deposits stood at Rs 12,22,856 crore during the period under review (up 3.36% YoY and down 0.95% QoQ).
The public lender's standalone net profit declined 10% to Rs 4,249.08 crore on a 1.2% drop in total income to Rs 31,646.06 crore in Q2 FY26 over Q2 FY25.
The bank’s domestic deposits increased 3.35% YoY to Rs 12,22,260 crore as of 31 December 2025 from Rs 11,82,622 crore a year earlier, while declining 0.96% QoQ from Rs 12,34,088 crore as of 30 September 2025.
Shares of Union Bank of India rose 2.21% to close at Rs 156.80 on the BSE on 2 January 2026.
Union Bank of India dropped for a fifth straight session today. The stock is quoting at Rs 150.6, down 0.11% on the day as on 13:19 IST on the NSE. The benchmark NIFTY is down around 0.36% on the day, quoting at 26048.65. The Sensex is at 85057.2, down 0.41%.Union Bank of India has eased around 2.39% in last one month.Meanwhile, Nifty PSU Bank index of which Union Bank of India is a constituent, has eased around 2.34% in last one month and is currently quoting at 8309.5, down 0.08% on the day. The volume in the stock stood at 17.17 lakh shares today, compared to the daily average of 110.76 lakh shares in last one month.
The benchmark December futures contract for the stock is quoting at Rs 150.65, down 0.19% on the day. Union Bank of India jumped 27.77% in last one year as compared to a 9.39% rally in NIFTY and a 26.36% spurt in the Nifty PSU Bank index.
The PE of the stock is 6.41 based on TTM earnings ending September 25.
Union Bank of India is up for a third straight session in a row. The stock is quoting at Rs 156.19, up 2.19% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is up around 1.08% on the day, quoting at 26165.55. The Sensex is at 85506.55, up 1.09%. Union Bank of India has added around 7.75% in last one month.
Meanwhile, Nifty PSU Bank index of which Union Bank of India is a constituent, has added around 7.55% in last one month and is currently quoting at 8486.5, up 1.26% on the day. The volume in the stock stood at 102.17 lakh shares today, compared to the daily average of 151.2 lakh shares in last one month.
The benchmark December futures contract for the stock is quoting at Rs 156.93, up 2% on the day. Union Bank of India is up 27.11% in last one year as compared to a 7.79% gain in NIFTY and a 26.68% gain in the Nifty PSU Bank index.
The PE of the stock is 6.5 based on TTM earnings ending September 25.