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Union Bank of India Q4 FY26 earnings call: Revenue & Margins

Q4 FY26 earnings call: what management guided on revenue, margins and order book.

Price₹183
Market cap₹1.4L Cr
P/E6.9
Updated23 Aug 2026
Read4 min read

The short version

Union Bank of India targets a credit growth of 13%-14% for FY27. Union Bank of India targets 13%-14% loan book growth for FY27, indicating a focus on credit growth with quality and profitability.

From Union Bank of India's Q4 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

  • Union Bank of India targets a credit growth of 13%-14% for FY27.
  • The bank aims to grow its NII (Net Interest Income) in line with loan book growth, supported by a stable interest rate cycle.
  • There is a focus on improving CASA (Current Account Savings Account) and retail term deposits to support margin expansion and profitability.
  • The bank plans to continue shedding low-yielding advances and prioritize higher quality and profitable growth.
  • Infrastructure bond issuance and refinancing efforts are part of the strategy to support advance growth without compromising liquidity.

2 more points management made on revenue & sales performance

Profitability & Margins

See what Union Bank of India said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

The transcript from the Union Bank of India conference call does not explicitly mention any current or future capex, capital investments, or strategic investments in detail. However, the following points can be inferred: - The bank mentioned raising INR 3,000 crores through infrastructure bonds as a part of capital raising in the recent year. - There is a reference to plans to finalize further capital raising and bond issuance once market conditions stabilize, pending Board and AGM approvals.

2 more points management made on capital expenditure plans

Top-ranked in Banks

Ranked on what management guided this quarter

5x potential
1AU Small Finance
Rev 2Mar 3
2IDFC First Bank
Rev 2Mar 3
3
Rev 2Mar 3
4
Rev 2Mar 3
5
Rev 2Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

See what Union Bank of India said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The document does not provide specific details on the current or expected order book or pending orders for Union Bank of India. However, related insights from the Q&A include: - Ramasubramanian S mentioned a corporate pipeline of around INR 50,000-60,000 crores for large corporates, indicating a strong potential lending demand. - MSME discussions highlighted support and extensions amid the geopolitical challenges, reflecting ongoing borrower engagement rather than specific order inflows. - No precise figures on order book or pending orders were explicitly discussed in the sections provided. Therefore, while there is mention of a substantial loan pipeline, specific data on the order book or pending orders is not disclosed in this document.

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What Union Bank of India's management said in earlier quarters

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Frequently Asked Questions

What were Union Bank of India Q4 FY26 results?

Union Bank of India targets a credit growth of 13%-14% for FY27. Union Bank of India targets 13%-14% loan book growth for FY27, indicating a focus on credit growth with quality and profitability.

What is Union Bank of India share price analysis?

Union Bank of India currently shows a neutral. The stock trades at a P/E of 6.9 with a market cap of ₹143,038 Cr. Investors should review the full earnings analysis for detailed insights.

Is Union Bank of India planning capital expenditure?

The transcript from the Union Bank of India conference call does not explicitly mention any current or future capex, capital investments, or strategic investments in detail.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.