Unaudited reviewed Financial Results (Standalone and Consolidated) of the Bank for the Quarter ended June 30, 2026
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 15 Jul 2026, 12:15 PM IST · BSE ID: 688de33b-39db-4061-9e88-b8cffa33568c
View Original BSE Filing (PDF)
💡
In Simple Terms
Union Bank of India announced its latest quarterly financial results, showing an increase in profit and improvement in asset quality.
🤖 AI Summary
- Union Bank of India recorded standalone unaudited net profit of Rs. 5,33,230 Lakh for the quarter ended June 30, 2026.
- Standalone total income for the quarter reached Rs. 31,80,620 Lakh.
- Gross Non-Performing Assets (NPAs) on a standalone basis stood at 2.65% for the quarter, down from 3.52% YoY.
- Standalone Capital Adequacy Ratio (Basel III) improved to 18.46% as of June 30, 2026.
- Consolidated net profit was Rs. 5,64,152 Lakh for the quarter ended June 30, 2026.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Standalone Net Profit
5,33,230 Lakh
29.56%
Standalone Total Income
31,80,620 Lakh
1.28%
Standalone Gross NPAs Percentage
2.65%
Standalone Capital Adequacy Ratio (Basel III)
18.46%
Consolidated Net Profit
5,64,152 Lakh
27.39%
🏢 How This Affects the Company
The bank's retail banking operations segment reported a revenue of Rs. 12,32,636 Lakh, indicating continued focus and performance in this area.
Net profit increased to Rs. 5,33,230 Lakh standalone for Q1 FY27, compared to Rs. 4,11,553 Lakh in Q1 FY26. Gross NPA percentage decreased to 2.65% from 3.52% YoY, indicating improved asset quality.
Digital Banking Operations, a sub-segment of Retail Banking, reported segment revenue of Rs. 26,733 Lakh and segment assets of Rs. 5,82,195 Lakh for Q1 FY27.
The reduction in Gross Non-Performing Assets from 3.52% to 2.65% YoY suggests a decrease in credit risk exposure.
👥 What This Means For Shareholders
✅
Action Required
No action required from shareholders based on this financial results filing.
👤
Who Is Affected
All shareholders are affected by the improved financial performance, with standalone Basic and Diluted EPS before extraordinary items at Rs. 6.99 for Q1 FY27.
🔍
Management Signal
The financial results indicate management's focus on profitability and asset quality improvement, as reflected in reduced NPAs and increased net profit.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 financial results – observe continuity in profit growth and NPA reduction.
RBI regulatory updates – monitor impact on banking sector and capital adequacy.
Deposit mobilization trends – assess the bank's strategy to address CD ratio.
LOW RISK
Improved asset quality and robust capital adequacy ratio indicate reduced financial risk.
💡 Investor Takeaway
Union Bank of India's Q1 FY27 standalone net profit reached Rs. 5,33,230 Lakh, a 29.56% increase from Rs. 4,11,553 Lakh in Q1 FY26. Gross NPAs improved to 2.65% from 3.52% YoY, and Capital Adequacy Ratio (Basel III) stood at 18.46%.
⚖️ Strengths & Concerns
✅ Positives
- Standalone Net Profit increased to Rs. 5,33,230 Lakh in Q1 FY27, a 29.56% increase from Rs. 4,11,553 Lakh in Q1 FY26.
- Gross Non-Performing Assets decreased to 2.65% in Q1 FY27 from 3.52% in Q1 FY26, indicating improved asset quality.
⚠️ Concerns
- Standalone Income on Investments decreased to Rs. 5,60,214 Lakh in Q1 FY27 from Rs. 5,82,210 Lakh in Q1 FY26.
- Standalone Treasury Operations segment revenue decreased to Rs. 6,81,638 Lakh in Q1 FY27 from Rs. 8,23,787 Lakh in Q1 FY26.
📅 Company Track Record
Union Bank reported FY26 net profit of Rs. 18,697 Crore, with a dividend of Rs. 5 approved. The CD ratio spiked to 83.27% in FY26, flagging deposit mobilization challenges.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Union Bank of India's standalone net profit for Q1 FY27?
Union Bank of India reported a standalone net profit of Rs. 5,33,230 Lakh for the quarter ended June 30, 2026, which is a 29.56% increase compared to Rs. 4,11,553 Lakh in Q1 FY26.
What was Union Bank of India's Gross NPA percentage in Q1 FY27?
The Gross Non-Performing Assets (NPAs) for Union Bank of India stood at 2.65% for the quarter ended June 30, 2026, improving from 3.52% in the corresponding prior period.
What is Union Bank of India's Capital Adequacy Ratio (Basel III) as of June 30, 2026?
Union Bank of India's standalone Capital Adequacy Ratio (Basel III) was 18.46% as of June 30, 2026, an increase from 18.30% in the previous year's comparable quarter.
How did Union Bank of India's Retail Banking Operations perform in Q1 FY27?
Union Bank of India's Retail Banking Operations segment reported a standalone revenue of Rs. 12,32,636 Lakh for Q1 FY27, up from Rs. 11,79,237 Lakh in Q1 FY26.
What was Union Bank of India's consolidated net profit for Q1 FY27?
Union Bank of India's consolidated net profit for the quarter ended June 30, 2026, was Rs. 5,64,152 Lakh, an increase of 27.39% from Rs. 4,42,794 Lakh in Q1 FY26.
Questions based on this BSE filing only. For information purposes.