# Union Bank of India > Public sector banks. Figures from the lender's own filings, each checked against the page it came from. Page: https://creditbrief.in/lenders/union ## Loan book - ₹10.79 lakh crore on 31 March 2026, the end of FY2025-26 (Global gross advances). - ₹11.56 lakh crore on 30 Sep 2026, the latest half-year balance. - Source: Union Bank of India Investor Presentation Q4 FY26, PDF page 7: https://nsearchives.nseindia.com/corporate/UNIONBANK_23042026131503_Presentation_31032026.pdf ## Findings - Grew 11% a year from March 2022 to March 2026, faster than 1 of the 29 other banks with like-for-like figures for those years. - Growth held steady at 9.7% in FY2025-26, from 8.6% the year before. - Slipped from 7th to 8th biggest of these 33 banks between March 2022 and March 2026. ## What it lends against (30 Sep 2026) - Corporate & Others: ₹5.20 lakh crore (45%) - Total Agri: ₹1.90 lakh crore (16.4%) - Total MSME: ₹1.80 lakh crore (15.6%) - Home Loans: ₹1.14 lakh crore (9.9%) - Others (retail): ₹81,828 crore (7.1%) - Vehicle Loans: ₹31,613 crore (2.7%) - Mortgage Loans: ₹18,957 crore (1.6%) - Education Loans: ₹18,649 crore (1.6%) Source: Union Bank of India Investor Presentation Q2 FY27, PDF page 4: https://nsearchives.nseindia.com/corporate/UNIONBANK_19102026122926_Presentation_Sept2026.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) | 7,16,408 | 8,09,905 | 9,04,884 | 9,82,894 | 10,78,611 | 11,55,876 | | Retail, agriculture and MSME loans (₹ crore) | | | 4,82,590 | 5,31,679 | 5,98,484 | 6,35,527 | | Corporate and wholesale loans (₹ crore) | 3,36,466 | 3,73,188 | 4,07,815 | 4,51,215 | 4,31,609 | 5,20,349 | | Deposits (₹ crore) | 10,32,392 | 11,17,716 | 12,21,528 | 13,09,750 | 13,06,891 | 13,19,455 | | CASA ratio (%) | 36.54 | 35.62 | 34.20 | 33.52 | 35.21 | 34.93 | | Branches (Number) | 8,873 | 8,580 | 8,466 | 8,621 | 8,697 | 8,713 | | Mobile app users (Million) | 16.6 | 21.3 | 26.8 | 30.7 | | | ### Sources for each figure - Loan book, FY2021-22 (31 Mar 2022): "6,53,684 6,34,583 6,69,531 7,16,408 9.60%" (Union Bank of India Investor Presentation Q4 FY22, PDF page 12) https://nsearchives.nseindia.com/corporate/UNIONBANK_13052022132216_Presentation_31032022.pdf - Loan book, FY2022-23 (31 Mar 2023): "Gross Advances 8,09,905 8,47,214 8,95,974 9,04,884" (Union Bank of India Investor Presentation Q4 FY24, PDF page 8) https://nsearchives.nseindia.com/corporate/UNIONBANK_10052024203022_Presentation_31032024.pdf - Loan book, FY2023-24 (31 Mar 2024): "Gross Advances 8,09,905 8,47,214 8,95,974 9,04,884" (Union Bank of India Investor Presentation Q4 FY24, PDF page 8) https://nsearchives.nseindia.com/corporate/UNIONBANK_10052024203022_Presentation_31032024.pdf - Loan book, FY2024-25 (31 Mar 2025): "Global Advances 9,82,894 9,75,207 10,16,884 10,78,611" (Union Bank of India Investor Presentation Q4 FY26, PDF page 7) https://nsearchives.nseindia.com/corporate/UNIONBANK_23042026131503_Presentation_31032026.pdf - Loan book, FY2025-26 (31 Mar 2026): "Global Advances 9,82,894 9,75,207 10,16,884 10,78,611" (Union Bank of India Investor Presentation Q4 FY26, PDF page 7) https://nsearchives.nseindia.com/corporate/UNIONBANK_23042026131503_Presentation_31032026.pdf - Loan book, 30 Sep 2026: "Global Advances 9,75,207 10,96,331 11,55,876" (Union Bank of India Investor Presentation Q2 FY27, PDF page 4) https://nsearchives.nseindia.com/corporate/UNIONBANK_19102026122926_Presentation_Sept2026.pdf - Retail, agriculture and MSME loans, FY2023-24 (31 Mar 2024): "RAM Advances 4,82,590 5,17,533 5,31,679" (Union Bank of India Investor Presentation Q4FY25, PDF page 7) https://www.unionbankofindia.bank.in/pdf/Final-Investor-PPT-Q4FY25.pdf - Retail, agriculture and MSME loans, FY2024-25 (31 Mar 2025): "RAM Advances 4,82,590 5,17,533 5,31,679" (Union Bank of India Investor Presentation Q4FY25, PDF page 7) https://www.unionbankofindia.bank.in/pdf/Final-Investor-PPT-Q4FY25.pdf - Retail, agriculture and MSME loans, FY2025-26 (31 Mar 2026): "RAM Advances 5,31,679 5,54,306 5,77,038 5,98,484" (Union Bank of India Investor Presentation Q4FY26, PDF page 6) https://www.unionbankofindia.bank.in/pdf/Final-Investor-Presentation-Q4FY26.pdf - Retail, agriculture and MSME loans, 30 Sep 2026: "RAM Advances 5,54,306 6,08,095 6,35,527" (Union Bank of India Investor Presentation Q2FY27, PDF page 3) https://www.unionbankofindia.bank.in/pdf/investor-presentation-Q2FY27.pdf - Corporate and wholesale loans, FY2021-22 (31 Mar 2022): "LC & Others 3,36,466 3,75,589 3,73,188" (Union Bank of India Analyst Presentation March 2023, PDF page 5) https://www.unionbankofindia.bank.in/pdf/Analyst-Presentation-march-23.pdf - Corporate and wholesale loans, FY2022-23 (31 Mar 2023): "LC & Others 3,36,466 3,75,589 3,73,188" (Union Bank of India Analyst Presentation March 2023, PDF page 5) https://www.unionbankofindia.bank.in/pdf/Analyst-Presentation-march-23.pdf - Corporate and wholesale loans, FY2023-24 (31 Mar 2024): "LC & Others 3,73,188 3,79,630 4,08,200 4,07,815" (Union Bank of India Investor Presentation Q4FY24, PDF page 7) https://www.unionbankofindia.bank.in/pdf/Final%20Investor%20PPT_Q4FY24%2010.05.2024.pdf - Corporate and wholesale loans, FY2024-25 (31 Mar 2025): "LC & Others 4,22,294 4,31,631 4,51,215" (Union Bank of India Investor Presentation Q4FY25, PDF page 7) https://www.unionbankofindia.bank.in/pdf/Final-Investor-PPT-Q4FY25.pdf - Corporate and wholesale loans, FY2025-26 (31 Mar 2026): "Large Corporate 4,05,670 3,79,420 3,94,999 4,31,609" (Union Bank of India Investor Presentation Q4FY26, PDF page 6) https://www.unionbankofindia.bank.in/pdf/Final-Investor-Presentation-Q4FY26.pdf - Corporate and wholesale loans, 30 Sep 2026: "Corporate & Others 4,20,901 4,88,236 5,20,349" (Union Bank of India Investor Presentation Q2FY27, PDF page 3) https://www.unionbankofindia.bank.in/pdf/investor-presentation-Q2FY27.pdf - Deposits, FY2021-22 (31 Mar 2022): "9,23,805 9,14,022 9,37,455 10,32,392" (Union Bank of India Analyst Presentation March 2022, PDF page 10) https://www.unionbankofindia.bank.in/pdf/Presentation_31032022.pdf - Deposits, FY2022-23 (31 Mar 2023): "Total Deposits 10,32,392 10,65,027 11,17,716" (Union Bank of India Analyst Presentation March 2023, PDF page 7) https://www.unionbankofindia.bank.in/pdf/Analyst-Presentation-march-23.pdf - Deposits, FY2023-24 (31 Mar 2024): "Total Deposits 11,17,716 11,37,628 11,72,455 12,21,528" (Union Bank of India Investor Presentation Q4FY24, PDF page 10) https://www.unionbankofindia.bank.in/pdf/Final%20Investor%20PPT_Q4FY24%2010.05.2024.pdf - Deposits, FY2024-25 (31 Mar 2025): "Global Deposits 12,21,528 12,16,562 13,09,750" (Union Bank of India Investor Presentation Q4FY25, PDF page 10) https://www.unionbankofindia.bank.in/pdf/Final-Investor-PPT-Q4FY25.pdf - Deposits, FY2025-26 (31 Mar 2026): "Global Deposits 12,72,247 12,34,621 12,22,856 13,06,891" (Union Bank of India Investor Presentation Q4FY26, PDF page 9) https://www.unionbankofindia.bank.in/pdf/Final-Investor-Presentation-Q4FY26.pdf - Deposits, 30 Sep 2026: "Global Deposits 12,34,621 12,83,366 13,19,455" (Union Bank of India Investor Presentation Q2FY27, PDF page 3) https://www.unionbankofindia.bank.in/pdf/investor-presentation-Q2FY27.pdf - CASA ratio, FY2021-22 (31 Mar 2022): "CASA(%) 36% to 37% 36.54%" (Union Bank of India Analyst Presentation March 2022, PDF page 3) https://www.unionbankofindia.bank.in/pdf/Presentation_31032022.pdf - CASA ratio, FY2022-23 (31 Mar 2023): "CASA(%) 36.54 35.34 35.62" (Union Bank of India Analyst Presentation March 2023, PDF page 7) https://www.unionbankofindia.bank.in/pdf/Analyst-Presentation-march-23.pdf - CASA ratio, FY2023-24 (31 Mar 2024): "35.62 34.66 34.40 34.20" (Union Bank of India Investor Presentation Q4FY24, PDF page 10) https://www.unionbankofindia.bank.in/pdf/Final%20Investor%20PPT_Q4FY24%2010.05.2024.pdf - CASA ratio, FY2024-25 (31 Mar 2025): "34.20 33.43 33.52" (Union Bank of India Investor Presentation Q4FY25, PDF page 10) https://www.unionbankofindia.bank.in/pdf/Final-Investor-PPT-Q4FY25.pdf - CASA ratio, FY2025-26 (31 Mar 2026): "33.51 32.56 33.96 35.21" (Union Bank of India Investor Presentation Q4FY26, PDF page 9) https://www.unionbankofindia.bank.in/pdf/Final-Investor-Presentation-Q4FY26.pdf - CASA ratio, 30 Sep 2026: "CASA Ratio (Dom.) 32.56% 35.10% 34.93%" (Union Bank of India Investor Presentation Q2FY27, PDF page 3) https://www.unionbankofindia.bank.in/pdf/investor-presentation-Q2FY27.pdf - Branches, FY2021-22 (31 Mar 2022): "No. of Branches 9,590 9,315 8,873" (Union Bank of India Analyst Presentation March 2022, PDF page 6) https://www.unionbankofindia.bank.in/pdf/Presentation_31032022.pdf - Branches, FY2022-23 (31 Mar 2023): "8,580 Branches & 10,835 ATMs" (Union Bank of India Analyst Presentation March 2023, PDF page 2) https://www.unionbankofindia.bank.in/pdf/Analyst-Presentation-march-23.pdf - Branches, FY2023-24 (31 Mar 2024): "8,466 Branches & 8,982 ATMs" (Union Bank of India Investor Presentation Q4FY24, PDF page 2) https://www.unionbankofindia.bank.in/pdf/Final%20Investor%20PPT_Q4FY24%2010.05.2024.pdf - Branches, FY2024-25 (31 Mar 2025): "8,621 Branches & 8,910 ATMs" (Union Bank of India Investor Presentation Q4FY25, PDF page 2) https://www.unionbankofindia.bank.in/pdf/Final-Investor-PPT-Q4FY25.pdf - Branches, FY2025-26 (31 Mar 2026): "Employees Employees Persons 8,697 8,656 26,147" (Union Bank of India Investor Presentation Q4FY26, PDF page 2) https://www.unionbankofindia.bank.in/pdf/Final-Investor-Presentation-Q4FY26.pdf - Branches, 30 Sep 2026: "Employees Employees Persons 1,670 Gold Loan Points 8,713 8,815 28,654" (Union Bank of India Investor Presentation Q2FY27, PDF page 2) https://www.unionbankofindia.bank.in/pdf/investor-presentation-Q2FY27.pdf - Mobile app users, FY2021-22 (31 Mar 2022): "Mobile Banking Users Net Banking Users(Retail) 471 479 166.46" (Union Bank of India Analyst Presentation March 2022, PDF page 52) https://www.unionbankofindia.bank.in/pdf/Presentation_31032022.pdf - Mobile app users, FY2022-23 (31 Mar 2023): "Credit Card Users Q4 Highlights 201 213" (Union Bank of India Analyst Presentation March 2023, PDF page 19) https://www.unionbankofindia.bank.in/pdf/Analyst-Presentation-march-23.pdf - Mobile app users, FY2023-24 (31 Mar 2024): "Debit Card Users 544 268" (Union Bank of India Investor Presentation Q4FY24, PDF page 24) https://www.unionbankofindia.bank.in/pdf/Final%20Investor%20PPT_Q4FY24%2010.05.2024.pdf - Mobile app users, FY2024-25 (31 Mar 2025): "544 543 558 301 307" (Union Bank of India Investor Presentation Q4FY25, PDF page 23) https://www.unionbankofindia.bank.in/pdf/Final-Investor-PPT-Q4FY25.pdf CreditBrief is independent and not linked to any lender. Not investment advice.