Union Bank of India Q3FY26 Net Profit Rises 18% to ₹5,017 Crore
Union Bank of India reported a net profit of ₹5,017 crore for Q3FY26, an 18.07% YoY increase. Total business grew 5.04% to ₹22,39,740 crore. Gross advances rose 7.13% and deposits by 3.36%. RAM segment grew 11.50% YoY. Gross NPA reduced to 3.06% and Net NPA to 0.51%.
The announcement contains key financial results (profit, income, advances, deposits, NPAs) for the quarter, which are material information for investors and stakeholders, thus having a high impact.
The bank reported strong growth in net profit, business, advances, and deposits, along with an improvement in asset quality (reduction in NPAs) and capital ratios, indicating a positive financial performance.
Union Bank of India's Board of Directors has approved the financial results for the third quarter and nine months ended December 31, 2025. The bank reported a net profit of ₹5,017 crore for Q3FY26, an 18.07% increase compared to the same period last year. Interest income for the quarter stood at ₹26,443 crore.
Total business for the bank grew by 5.04% year-on-year to ₹22,39,740 crore as of December 31, 2025. Gross advances increased by 7.13% YoY, and total deposits grew by 3.36% YoY to ₹12,22,856 crore.
The bank witnessed significant growth in its Retail, Agri, and MSME (RAM) segments, with a YoY increase of 11.50%. Retail advances grew by 21.67% and MSME advances by 19.75% YoY. RAM advances constituted 58.84% of domestic advances.
Asset quality improved, with Gross NPA reducing by 79 bps to 3.06% and Net NPA reducing by 31 bps to 0.51% YoY. The Capital to Risk-weighted Assets Ratio (CRAR) stood at 16.49%, and the CET-1 ratio improved to 13.94% from 13.59% in the previous year.
Returns on Assets (RoA) and Return on Equity (RoE) were reported at 1.35% and 17.09% respectively for Q3FY26. The bank also highlighted its financial inclusion initiatives, including new enrollments in PMJJBY, PMSBY, PMJDY, and APY schemes, and sanctioned ₹611 crore under the Union Nari Shakti Scheme for women entrepreneurs.
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