# City Union Bank

> Private banks. Figures from the lender's own filings, each checked against the page it came from.

Page: https://creditbrief.in/lenders/cub

## Loan book

- ₹66,699 crore on 31 March 2026, the end of FY2025-26 (Gross advances).
- ₹72,442 crore on 30 Sep 2026, the latest half-year balance.
- Source: City Union Bank Investor Presentation Q4 FY26, PDF page 20: https://nsearchives.nseindia.com/corporate/CUB_27042026222535_CUBINVESTORPRESENTATION270426.pdf

## Findings

- Grew 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.
- Growth picked up to 26% in FY2025-26, from 14% the year before.
- Held its place as the 27th biggest of these 33 banks from March 2022 to March 2026.

## What it lends against (30 Sep 2026)

- MSME: ₹28,084 crore (38.8%)
- Agriculture (including JL): ₹11,937 crore (16.5%)
- Non Agri Gold Loans: ₹11,573 crore (16%)
- Retail (excluding Non Agri JL): ₹6,741 crore (9.3%)
- Commercial Real Estate: ₹4,164 crore (5.7%)
- All other Loans: ₹4,067 crore (5.6%)
- Large Industries / Services: ₹2,260 crore (3.1%)
- Loans to Business Enterprises: ₹1,984 crore (2.7%)
- NBFC: ₹1,630 crore (2.3%)

Source: City Union Bank Investor Presentation Q2 FY2027 (exchange filing), PDF page 24: https://nsearchives.nseindia.com/corporate/CUB_28102026165006_InvestorPresentationQ2FY2027.pdf

## Figures by period

| Measure | FY2021-22 (31 Mar 2022) | FY2022-23 (31 Mar 2023) | FY2023-24 (31 Mar 2024) | FY2024-25 (31 Mar 2025) | FY2025-26 (31 Mar 2026) | 30 Sep 2026 |
|---|---|---|---|---|---|---|
| Loan book (₹ crore) | 41,156 | 43,971 | 46,482 | 53,066 | 66,699 | 72,442 |
| Deposits (₹ crore) | 47,690 | 52,398 | 55,657 | 63,526 | 78,308 | 83,893 |
| CASA ratio (%) | 32.56 | 29.88 | 31.00 | 29.00 | 28.00 | 27.00 |
| Branches (Number) | 727 | 752 | 800 | 875 | 949 | 1,002 |

### Sources for each figure

- Loan book, FY2021-22 (31 Mar 2022): "Advances 411,560 370,206 41,354 11% 383,871" (City Union Bank Investor Presentation March 2022, PDF page 16) https://nsearchives.nseindia.com/corporate/CUB_27052022175711_Reg30_Investor_Presentation_March2022.pdf
- Loan book, FY2022-23 (31 Mar 2023): "Advances 439,708 411,560 28,148 7% 430,087" (City Union Bank Investor Presentation March 2023, PDF page 16) https://nsearchives.nseindia.com/corporate/CUB_26052023182958_INVESTORPRESENTATIONpdf.pdf
- Loan book, FY2023-24 (31 Mar 2024): "Advances 464,815 439,708 25,107 6%" (City Union Bank Investor Presentation March 2024, PDF page 16) https://nsearchives.nseindia.com/corporate/CUB_20052024201423_CUBINVESTORMARCH2024.pdf
- Loan book, FY2024-25 (31 Mar 2025): "Advances 530,664 464,815 65,849 14%" (City Union Bank Investor Presentation March 2025, PDF page 16) https://nsearchives.nseindia.com/corporate/CUB_02052025165158_INVESTORPRESENTATIONMARCH2025.pdf
- Loan book, FY2025-26 (31 Mar 2026): "Advances 666,988 530,664 1,36,324 26%" (City Union Bank Investor Presentation Q4 FY26, PDF page 20) https://nsearchives.nseindia.com/corporate/CUB_27042026222535_CUBINVESTORPRESENTATION270426.pdf
- Loan book, 30 Sep 2026: "Total Advances 724,415 666,988 575,612" (City Union Bank Investor Presentation Q2 FY2027 (exchange filing), PDF page 24) https://nsearchives.nseindia.com/corporate/CUB_28102026165006_InvestorPresentationQ2FY2027.pdf
- Deposits, FY2021-22 (31 Mar 2022): "Deposits 476,897 445,373" (City Union Bank Investor Presentation March 2022, PDF page 16) https://nsearchives.nseindia.com/corporate/CUB_27052022175711_Reg30_Investor_Presentation_March2022.pdf
- Deposits, FY2022-23 (31 Mar 2023): "Deposits 523,979 476,897" (City Union Bank Investor Presentation March 2023, PDF page 16) https://nsearchives.nseindia.com/corporate/CUB_26052023182958_INVESTORPRESENTATIONpdf.pdf
- Deposits, FY2023-24 (31 Mar 2024): "Deposits 556,566 523,979" (City Union Bank Investor Presentation March 2024, PDF page 16) https://nsearchives.nseindia.com/corporate/CUB_20052024201423_CUBINVESTORMARCH2024.pdf
- Deposits, FY2024-25 (31 Mar 2025): "Deposits 635,260 556,566" (City Union Bank Investor Presentation March 2025, PDF page 16) https://nsearchives.nseindia.com/corporate/CUB_02052025165158_INVESTORPRESENTATIONMARCH2025.pdf
- Deposits, FY2025-26 (31 Mar 2026): "Deposits 783,080 635,260" (City Union Bank Investor Presentation March 2026, PDF page 20) https://nsearchives.nseindia.com/corporate/CUB_27042026222535_CUBINVESTORPRESENTATION270426.pdf
- Deposits, 30 Sep 2026: "Deposits 8,38,931 6,94,860" (City Union Bank Investor Presentation Q2 FY27, PDF page 14) https://nsearchives.nseindia.com/corporate/CUB_28102026165006_InvestorPresentationQ2FY2027.pdf
- CASA ratio, FY2021-22 (31 Mar 2022): "32.56" (City Union Bank Investor Presentation March 2022, PDF page 27) https://nsearchives.nseindia.com/corporate/CUB_27052022175711_Reg30_Investor_Presentation_March2022.pdf
- CASA ratio, FY2022-23 (31 Mar 2023): "29.15 29.88" (City Union Bank Investor Presentation March 2023, PDF page 27) https://nsearchives.nseindia.com/corporate/CUB_26052023182958_INVESTORPRESENTATIONpdf.pdf
- CASA ratio, FY2023-24 (31 Mar 2024): "CASA portion stood at 31%" (City Union Bank Press Release Q4 FY24, PDF page 4) https://www.cityunionbank.com/filemanager/May24/CUBPRESSRELEASEMARCH2024.pdf
- CASA ratio, FY2024-25 (31 Mar 2025): "CASA portion stood at 29%" (City Union Bank Press Release Q4 FY25, PDF page 3) https://www.cityunionbank.com/filemanager/May25/CUB_PressRelease-English-Mar_2025.pdf
- CASA ratio, FY2025-26 (31 Mar 2026): "CASA portion stood at 28%" (City Union Bank Press Release Q4 FY26, PDF page 4) https://www.cityunionbank.com/filemanager/Apr26/CUB_Press_Release_Q4FY2026.pdf
- CASA ratio, 30 Sep 2026: "CASA portion stood at 27%" (City Union Bank Press Release Q2 FY27, PDF page 4) https://www.cityunionbank.com/filemanager/Oct26/Press_Release_English_Sep2026-Finalupdated.pdf
- Branches, FY2021-22 (31 Mar 2022): "No.of Branches 246 300 375 425 475 525 550 600 650 700 702 727" (City Union Bank Investor Presentation March 2026, PDF page 8) https://nsearchives.nseindia.com/corporate/CUB_27042026222535_CUBINVESTORPRESENTATION270426.pdf
- Branches, FY2022-23 (31 Mar 2023): "700 702 727 752 800" (City Union Bank Investor Presentation March 2026, PDF page 8) https://nsearchives.nseindia.com/corporate/CUB_27042026222535_CUBINVESTORPRESENTATION270426.pdf
- Branches, FY2023-24 (31 Mar 2024): "727 752 800 875 949" (City Union Bank Investor Presentation March 2026, PDF page 8) https://nsearchives.nseindia.com/corporate/CUB_27042026222535_CUBINVESTORPRESENTATION270426.pdf
- Branches, FY2024-25 (31 Mar 2025): "752 800 875 949 9.42%" (City Union Bank Investor Presentation March 2026, PDF page 8) https://nsearchives.nseindia.com/corporate/CUB_27042026222535_CUBINVESTORPRESENTATION270426.pdf
- Branches, FY2025-26 (31 Mar 2026): "875 949 9.42%" (City Union Bank Investor Presentation March 2026, PDF page 8) https://nsearchives.nseindia.com/corporate/CUB_27042026222535_CUBINVESTORPRESENTATION270426.pdf
- Branches, 30 Sep 2026: "with 1002 branches across 19 states" (City Union Bank Press Release Q2 FY27, PDF page 5) https://www.cityunionbank.com/filemanager/Oct26/Press_Release_English_Sep2026-Finalupdated.pdf

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