Union Bank of India: Gross Advances Up 12.50% YoY as of June 30, 2026
REGULATORY
▲ Positive Development
MEDIUM RISK
📅 Filed on BSE: 02 Jul 2026, 09:06 PM IST · BSE ID: 39a433ec-8dad-400c-a94e-20b99cadb163
View Original BSE Filing (PDF)
💡
In Simple Terms
Union Bank's loans grew over 12.5% compared to last year, while its customer deposits grew over 3.5%.
🤖 AI Summary
- Total gross advances rose 12.50% year-on-year to Rs. 10,96,331 crore as of June 30, 2026.
- Domestic advances increased 13.11% year-on-year to Rs. 10,61,128 crore.
- Total deposits grew 3.50% year-on-year to Rs. 12,83,365 crore.
- Domestic CASA deposits saw an 11.72% year-on-year increase, reaching Rs. 4,50,220 crore.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Business (Global)
23,79,696
7.46%
Gross Advances
10,96,331
12.50%
Total Deposits
12,83,365
3.50%
Business (Domestic)
23,43,898
7.64%
CASA Deposits
4,50,220
11.72%
Advances
10,61,128
13.11%
C/D Ratio (Domestic, Excluding Bank Deposits)
83.38%
714 BPS
C/D Ratio (Domestic, Including Bank Deposits)
82.72%
704 BPS
🏢 How This Affects the Company
The reported growth in advances and deposits indicates an expansion in the bank's core lending and deposit-gathering activities.
Increased advances contribute to higher net interest income, while deposit growth supports funding for lending operations. The C/D ratio has also significantly increased.
Sustained growth in advances and deposits necessitates robust operational capacity to manage increased transaction volumes and customer service.
The rising C/D ratio to 83.38% Domestic (Excluding Bank Deposits) may require careful liquidity management.
👥 What This Means For Shareholders
✅
Action Required
No action is required by shareholders based on this disclosure.
👤
Who Is Affected
All shareholders are affected as these figures provide an update on the bank's operational performance.
🔍
Management Signal
The disclosure signals management's focus on expanding the loan book and strengthening low-cost deposit base.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 financial results for detailed performance review.
RBI's supervisory actions related to C/D ratios.
Management commentary on future growth strategies.
MEDIUM RISK
Rising C/D ratio and slower deposit growth relative to advances pose liquidity management risks.
💡 Investor Takeaway
Union Bank reported 12.50% YoY growth in Gross Advances to Rs. 10,96,331 crore and 11.72% YoY growth in Domestic CASA Deposits to Rs. 4,50,220 crore as of June 30, 2026.
⚖️ Strengths & Concerns
✅ Positives
- Gross advances grew 12.50% year-on-year, indicating strong loan portfolio expansion.
- Domestic CASA deposits increased 11.72% year-on-year, reflecting improved low-cost funding.
⚠️ Concerns
- Domestic C/D Ratio (Excluding Bank Deposits) stands at 83.38%, a 714 BPS increase YoY, indicating higher reliance on external funding.
- Total deposits grew by only 3.50% year-on-year, lagging behind advance growth.
❓ Frequently Asked Questions
What was Union Bank of India's total gross advances as of June 30, 2026?
Union Bank of India's total gross advances were Rs. 10,96,331 crore as of June 30, 2026.
What was the year-on-year growth in Union Bank of India's domestic advances?
Domestic advances grew by 13.11% year-on-year as of June 30, 2026.
How much did Union Bank of India's total deposits grow year-on-year?
Total deposits grew by 3.50% year-on-year, reaching Rs. 12,83,365 crore as of June 30, 2026.
What was the year-on-year growth in Union Bank of India's domestic CASA deposits?
Domestic CASA deposits increased by 11.72% year-on-year to Rs. 4,50,220 crore as of June 30, 2026.
What is the domestic C/D ratio for Union Bank of India excluding bank deposits?
The domestic C/D ratio, excluding bank deposits, was 83.38% as of June 30, 2026, a 714 BPS increase YoY.
Questions based on this BSE filing only. For information purposes.