Union Bank of India Q3 FY26 Results: Net Profit Jumps 18% to ₹5,017 Crore
Strong Q3 Performance Highlights Financial Stability
Lucknow, January 14: Union Bank of India has delivered a strong financial performance in the third quarter of the financial year 2025–26. As per the Union Bank of India Q3 FY26 results, the bank reported a net profit of ₹5,017 crore, marking a quarter-on-quarter growth of 18.07%.
The financial results for the quarter ended December 31, 2025, were approved by the bank’s Board of Directors on Wednesday.
Interest Income and Business Growth Remain Robust
During Q3 FY26, Union Bank’s interest income rose to ₹26,443 crore, reflecting a 5.85% increase over the previous quarter. This steady rise highlights the bank’s improving core income strength.
Total Business Expansion
- Total business: ₹22,39,740 crore
- Year-on-year growth: 5.04%
- Gross advances growth: 7.13% YoY
- Total deposits growth: 3.36% YoY
These numbers further strengthen the Union Bank of India Q3 FY26 results, showcasing balanced growth across key segments.
Deposit Base Crosses ₹12.22 Lakh Crore
As of December 31, 2025, Union Bank of India’s global deposits stood at ₹12,22,856 crore. The deposit base recorded a 3.36% year-on-year rise, supported by stable customer trust and wide banking reach.
RAM Segment Drives Credit Growth
Retail, MSME and Agriculture Show Strong Momentum
In Q3 FY26, the RAM sector grew by 11.50% year-on-year, playing a key role in overall credit expansion.
- Retail advances: Up by 21.67% YoY
- MSME advances: Grew by 19.75% YoY
- RAM share in domestic advances: 58.84%
This growth underlines the bank’s focus on granular and secured lending, a major positive in the Union Bank of India Q3 FY26 results.
Asset Quality Improves Significantly
NPAs Continue to Decline
Union Bank of India recorded a sharp improvement in asset quality during the quarter.
- Gross NPA: 3.06% (down 79 bps YoY)
- Net NPA: 0.51% (down 31 bps YoY)
Lower NPAs reflect stronger recovery mechanisms and improved credit discipline.
Positive Outlook for FY26
With rising profitability, steady business growth, strong RAM performance, and improving asset quality, Union Bank of India remains well-positioned for sustainable growth. The Union Bank of India Q3 FY26 results clearly indicate operational efficiency and financial resilience amid a dynamic banking environment.
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