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Financials Ratios
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Union Bank Of India
BSE CODE: 532477   |   NSE CODE: UNIONBANK   |   ISIN CODE : INE692A01016   |   14-Aug-2025 Hrs IST
BSE NSE
Rs. 134.70
-1 ( -0.74% )
 
Prev Close ( Rs.)
135.70
Open ( Rs.)
135.80
 
High ( Rs.)
136.55
Low ( Rs.)
134.05
 
Volume
387971
Week Avg.Volume
516187
 
52 WK High-Low Range(Rs.)
BSE NSE
Rs. 134.84
-0.85 ( -0.63% )
 
Prev Close ( Rs.)
135.69
Open ( Rs.)
136.00
 
High ( Rs.)
136.48
Low ( Rs.)
134.12
 
Volume
5981897
Week Avg.Volume
8267357
 
52 WK High-Low Range(Rs.)
100.81
158.65
Particulars Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Operational & Financial Ratios          
   Earnings Per Share (Rs)23.56  17.88  12.34  7.66  4.54  
   DPS(Rs)4.75  3.60  3.00  1.90  0.00  
   Book NAV/Share(Rs)138.75  119.63  105.64  96.30  92.99  
Margin Ratios          
   Yield on Advances11.30  11.46  10.60  10.28  11.64  
   Yield on Investments7.14  7.13  6.53  6.70  7.31  
   Cost of Liabilities5.27  5.06  4.13  3.71  4.52  
   NIM2.59  2.75  2.70  2.46  2.45  
   Interest Spread6.02  6.40  6.47  6.57  7.12  
Performance Ratios          
   ROA(%)1.24  1.02  0.68  0.46  0.36  
   ROE(%)18.24  16.69  12.22  8.34  6.44  
   ROCE(%)21.02  21.30  12.97  9.48  5.60  
Efficiency Ratios          
   Cost Income Ratio45.48  46.42  46.27  45.74  46.02  
   Core Cost Income Ratio48.26  48.19  47.35  49.82  51.79  
   Operating Costs to Assets1.73  1.76  1.71  1.55  1.56  
Capitalisation Ratios          
   Tier 1 ratio0  0  0  0  0  
   Tier 2 ratio0  0  0  0  0  
   CAR0  0  0  0  0  
Valuation Parameters          
   PER(x)5.36  8.58  5.39  5.06  7.51  
   PCE(x)5.05  8.06  4.96  4.44  5.74  
   Price/Book(x)0.91  1.28  0.63  0.40  0.37  
   Yield(%)3.76  2.35  4.51  4.90  0.00  
   EV/Net Sales(x)1.15  1.44  1.10  1.14  1.07  
   EV/Core EBITDA(x)3.98  5.11  3.48  3.55  3.74  
   EV/EBIT(x)1.32  1.70  1.47  1.59  1.58  
   EV/CE(x)0.93  1.22  0.77  0.66  0.07  
   M Cap / Sales0.89  1.17  0.56  0.39  0.32  
Growth Ratio          
   Core Operating Income Growth1.76  11.61  17.92  12.55  115.87  
   Operating Profit Growth-12.58  -16.56  -13.50  24.24  -39.76  
   Net Profit Growth31.79  61.84  61.18  80.05  200.28  
   BVPS Growth15.98  13.25  9.70  3.56  3.98  
   Advances Growth9.50  14.30  15.26  11.85  87.58  
   EPS Growth(%)31.79  44.90  61.18  68.77  153.58  
Liquidity Ratios          
   Loans/Deposits(x)0.02  0.02  0.04  0.05  0.06  
   Cash / Deposits(x)0.07  0.04  0.04  0.04  0.04  
   Investment / Deposits(x)0.27  0.28  0.30  0.34  0.36  
   IncLoan / Deposits(x)2.09  2.21  3.86  4.96  5.61  
   Credit/Deposits(%)72.80  71.29  68.16  64.03  63.97  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)0.63  1.03  1.70  3.68  4.62