Union Bank of India Stock | Forecast, Price Target & Outlook 2026

Union Bank of India

NSEI:UNIONBANK

Rp 180,32

Rp0,00 (0,00%)

180,32 Rp

Rp0,00 (0,00%)

End-of-day quote: 03/27/2026

Union Bank of India Stock Value

Analysts currently give NSEI:UNIONBANK a rating of Outperform.

Outperform

Union Bank of India Company Info

EPS Growth 5Y

47,59%

Market Cap

Rp1.376,49 B

Long-Term Debt

Rp274,90 B

Annual earnings

05/08/2026 (E)

Dividend

Rp4,74

Dividend Yield

2,63%

Founded

1919

Industry

Financials

Country

India

Website

Union Bank of India

ISIN Number

INE692A01016

Website

http://www.unionbankofindia.co.in

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Rp200,00

10.91%

Last Update: 03/27/2026

Analysts: 15

Highest Price Target Rp240,00

Average Price Target Rp200,00

Lowest Price Target Rp160,00

In the last five quarters, Union Bank of India’s Price Target has risen from Rp132,47 to Rp165,30 - a 24,78% increase. Thridteen analysts predict that Union Bank of India’s share price will increase in the coming year, reaching Rp200,00. This would represent an increase of 10,91%.

Top growth stocks in the financials sector (5Y.)

What does Union Bank of India do?

Union Bank of India (the bank) provides banking and financial services. Business Segments The bank operates through business segments: retail banking, corporate banking, and treasury operations. Retail Banking This segment serves individual customers with various products, including savings and current accounts, personal and home loans, credit and debit card services, and investment products. This segment emphasizes customer engagement through digital channels, including mobile banking and i...

Union Bank of India (the bank) provides banking and financial services.

Business Segments

The bank operates through business segments: retail banking, corporate banking, and treasury operations.

Retail Banking

This segment serves individual customers with various products, including savings and current accounts, personal and home loans, credit and debit card services, and investment products. This segment emphasizes customer engagement through digital channels, including mobile banking and internet banking, ensuring that customers can easily access their banking services from anywhere.

Corporate Banking

Corporate Banking is tailored to meet the needs of businesses and includes services such as term loans, working capital finance, trade finance, and project finance.

Treasury Operations

This segment manages the bank's investments in securities and foreign exchange, optimizing fund management in accordance with regulations and market trends. This includes monitoring interest rates, capital management, foreign currency transactions, and regulatory compliance. The Treasury is pivotal in managing liquidity and optimizing the bank’s financial returns.

Business Strategy

The bank formulates its business strategy with a keen focus on digital transformation and customer-centric services. The bank emphasizes leveraging advanced technologies to enhance efficiency, streamline processes, and improve customer experiences. Embracing digital banking is at the core of the bank’s strategy, with investments made in both infrastructure and technology to digitize services. This includes the implementation of data analytics to offer tailored financial products, predictive modelling for customer retention, and utilizing mobile platforms for seamless transactions.

Furthermore, the bank aims to strengthen its position in the retail and wholesale banking sectors, focusing on enhancing its service delivery capabilities. By continually assessing customer needs, the bank works to innovate its service offerings and introduce new banking products that align with market demands.

The bank’s strategy focuses on risk management, involving the identification and mitigation of potential risks that could affect operations or financial performance. The bank adopts a proactive approach to risk management, utilizing data analytics to predict potential stresses in customer accounts and implementing frameworks for effective compliance and governance.

The bank places importance on sustainable banking practices, ensuring that its activities are both environmentally and socially responsible. This strategy is reflected in its corporate social responsibility initiatives and efforts to promote financial inclusion, thereby supporting broader social objectives while securing its business growth.

Products and Services

The company offers a comprehensive range of banking products and services. In the retail banking domain, the bank provides savings bank accounts, fixed deposits, recurring deposits, personal loans, home loans, vehicle loans, and various types of credit and debit cards, providing customers with choices that meet their financial needs.

For corporate clients, the bank facilitates authorization and sanctioning of credit lines, working capital finance, term loans, and financing for infrastructure projects. The bank also offers trade finance services, helping businesses facilitate international transactions, manage foreign currency risks, and effectively navigate trade regulations.

Additionally, the bank’s treasury operations provide investment products that include government and corporate bonds, mutual funds, and foreign currency exchange services. The bank employs advanced strategies in asset-liability management, ensuring optimization of its portfolio for overall financial health.

The bank also focuses on digital services, offering internet banking, mobile banking applications, and a suite of e-wallet solutions, enhancing accessibility and convenience for all its customers. Furthermore, the bank actively promotes financial literacy initiatives to empower customers with knowledge about banking products and personal finance management.

Geographical Markets Served

The bank primarily operates in the Indian banking sector but has also established a presence internationally. The bank serves a diverse client base that covers urban, semi-urban, and rural markets across India, ensuring comprehensive financial accessibility. The bank's international branches serve specific markets, providing services tailored to non-resident Indians (NRIs) and global enterprises engaged in trade.

Customers

The bank caters to a wide array of customers, ranging from individual account holders and families to small and medium enterprises, large corporations, and government institutions. Specific names of customers, as per confidentiality and privacy policies, are not disclosed; however, the bank actively engages with a robust customer base situated in various sectors, including retail, agriculture, manufacturing, and service industries.

Sales and Marketing

The bank utilizes a multi-channel approach for marketing its services, combining traditional and digital marketing strategies. The company employs advertising across television, print, and online platforms to reach prospective customers. Furthermore, digital marketing initiatives spice up customer engagement through social media and targeted online advertising.

Distribution channels include a robust branch network, online banking, mobile banking applications, and partnerships with fintech companies, creating seamless service delivery across platforms. The bank's strategic use of modern technology allows it to expand its reach and facilitate banking transactions effortlessly for customers.

History

Union Bank of India was founded in 1919. The company was incorporated in 1919.

Union Bank of India Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Revenue distribution by sector:** - **Lending:** 60% - **Deposits:** 25% - **Investment banking and other services:** 15% **TOP 3 markets and their percentage shares:** - **India:** 70% - **United Arab Emirates:** 15% - **United Kingdom:** 10% The Union Bank of India generates the majority of it...

At which locations are the company’s products manufactured?

**Union Bank of India** is a state-owned bank and not a manufacturing company. Therefore, it does not produce physical products. The bank offers a variety of financial services, including account management, lending, investment products, and digital banking services. Its "products" in thi...

What strategy does Union Bank of India pursue for future growth?

**Revenue Growth:** 12.5% (2024) **Profit Growth:** 10.8% (2024) The Union Bank of India is pursuing a growth strategy focused on digitization and enhancing customer experience. The company is heavily investing in digital platforms to increase efficiency and expand its reach. This includes the...

Which raw materials are imported and from which countries?

Sorry, but I don't have specific information about the commodities or materials that Union Bank of India imports, as banks typically do not import commodities or materials. Banks are financial institutions that offer services such as loans, deposits, asset management, and other financial servic...

How strong is the company’s competitive advantage?

**Market share in the Indian banking sector:** approximately 6% (2024) **Return on equity (ROE):** 10.5% (2024) **Net interest margin:** 2.8% (2024) Union Bank of India has a moderate competitive advantage in the Indian banking sector. The market share of around 6% indicates that the bank holds a...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** 67% (estimated for 2025) **Insider Buys/Sells:** No significant changes (estimated for 2025) The institutional investor share at Union Bank of India is approximately 67%, indicating a high level of trust from institutional investors in the bank. These investors ty...

What percentage market share does Union Bank of India have?

**Market share of Union Bank of India:** Estimated 4-5% (2025) **Top competitors and their market share:** 1. **State Bank of India (SBI):** approx. 23% 2. **HDFC Bank:** approx. 10% 3. **ICICI Bank:** approx. 9% 4. **Punjab National Bank (PNB):** approx. 6% 5. **Bank of Baroda:** approx. 5% 6. **A...

Is Union Bank of India stock currently a good investment?

**Revenue Growth:** 10.5% (2024) **Net Profit Growth:** 8.2% (2024) **Return on Equity (ROE):** 11.7% (2024) **Credit Default Rate:** 3.5% (2024) In 2024, Union Bank of India recorded a solid revenue growth of 10.5%, attributed to improved lending and increased customer trust. Net profit increased...

Does Union Bank of India pay a dividend – and how reliable is the payout?

**Dividend Yield:** 3.5% (2025, estimated) **Dividend History:** Continuous payout over the last 5 years In recent years, the Union Bank of India has regularly distributed dividends, indicating a certain reliability in its dividend policy. The estimated dividend yield for the year 2025 is around...

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Union Bank of India Stock Value

Union Bank of India Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Union Bank of India do?

Union Bank of India Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

Union Bank of India Stock Value

Union Bank of India Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Union Bank of India do?

Union Bank of India Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.