CreditBrief

What City Union Bank lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹72,442 crore (+8.6% since March).

City Union BankPrivate banks

₹66,699croregross advances on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers27thof 33 banks on CreditBrief, March 2026
Biggest segment38.8%MSME, latest split (30 Sep 2026)
Share of the combined book0.3%of all banks on CreditBrief

Chapter 01 · The loan book

₹66,699 crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in City Union Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from msme down, and you get ₹66,699 crore. By 30 Sep 2026 it was ₹72,442 crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

42%People and households₹30,251 croreAgriculture (including JL)Retail (excluding Non Agri JL)Non Agri Gold Loans
47%Businesses₹33,958 croreMSMENBFCLoans to Business EnterprisesLarge Industries / Services

11% sits in lines the filing does not tie to either: Commercial Real Estate, All other Loans.

Drilling down: what it lends against · 30 Sep 2026

  • MSME₹28,084 crore38.8%
  • Agriculture (including JL)₹11,937 crore16.5%
  • Non Agri Gold Loans₹11,573 crore16%
  • Retail (excluding Non Agri JL)₹6,741 crore9.3%
  • Commercial Real Estate₹4,164 crore5.7%
  • All other Loans₹4,067 crore5.6%
  • Large Industries / Services₹2,260 crore3.1%
  • Loans to Business Enterprises₹1,984 crore2.7%
  • NBFC₹1,630 crore2.3%

The filing states figures in ₹ million. Net advances on the balance sheet are ₹71,743 crore. Agriculture includes gold loans to farmers.

Sources: City Union Bank Investor Presentation Q4 FY26, PDF page 20 ↗ for March 2026; City Union Bank Investor Presentation Q2 FY2027 (exchange filing), PDF page 24 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 13% a year since March 2022.

From ₹41,156 crore on 31 March 2022 to ₹66,699 crore on 31 March 2026, and ₹72,442 crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights24 figures from 10 filings · each checked against its pageHow it works
City Union Bank · loan book · 31 March 2026₹66,699crore+26% in FY2025-26₹72,442 crore by 30 Sep 2026
  1. 0113%a year since 2022Grew 13% a year from March 2022 to March 2026, faster than 7 of the 29 other banks with like-for-like figures for those years.
  2. 0226%in FY2025-26Growth picked up to 26% in FY2025-26, from 14% the year before.
  3. 0327thamong peersHeld its place as the 27th biggest of these 33 banks from March 2022 to March 2026.
Deposits₹78,308 crore+23% · in FY2025-26
Loans to deposits85.2%+1.6 pts · in FY2025-26
CASA ratio28.0%-1.0 pts · in FY2025-26
Branches949+8.5% · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · gross advances41,15643,97146,48253,06666,69972,442
Deposits₹ crore47,69052,39855,65763,52678,30883,893
CASA ratio%32.5629.8831.0029.0028.0027.00
BranchesNumber7277528008759491,002

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at City Union Bank, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

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Its last results, as an alert

CreditBrief Insightsto you

City Union Bank, Q2 FY2026-27: loan book ₹72,442 crore, +8.6% since March

  • ₹72,442 crore lent out by Q2 FY2026-27
  • Biggest segment: MSME, 39% of the book
  • Every figure links to page 24 of its filing

Chapter 03 · Among its peers

27th biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 0.3% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.

  1. 1State Bank of India₹49.33 lakh crore
  2. 2HDFC Bank₹29.60 lakh crore
  3. 3ICICI Bank₹15.54 lakh crore
  4. 4Bank of Baroda₹14.30 lakh crore
  5. 5Punjab National Bank₹12.59 lakh crore
  6. 6Canara Bank₹12.38 lakh crore
  7. 7Axis Bank₹12.34 lakh crore
  8. 8Union Bank of India₹10.79 lakh crore
  9. 27City Union Bank₹66,699 crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Read next

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

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