Union Bank of India's Board of Directors has approved the financial results for the third quarter and nine months ended December 31, 2025. The bank reported a net profit of ₹5,017 crore for Q3FY26, an 18.07% increase compared to the same period last year. Interest income for the quarter stood at ₹26,443 crore.

Total business for the bank grew by 5.04% year-on-year to ₹22,39,740 crore as of December 31, 2025. Gross advances increased by 7.13% YoY, and total deposits grew by 3.36% YoY to ₹12,22,856 crore.

The bank witnessed significant growth in its Retail, Agri, and MSME (RAM) segments, with a YoY increase of 11.50%. Retail advances grew by 21.67% and MSME advances by 19.75% YoY. RAM advances constituted 58.84% of domestic advances.

Asset quality improved, with Gross NPA reducing by 79 bps to 3.06% and Net NPA reducing by 31 bps to 0.51% YoY. The Capital to Risk-weighted Assets Ratio (CRAR) stood at 16.49%, and the CET-1 ratio improved to 13.94% from 13.59% in the previous year.

Returns on Assets (RoA) and Return on Equity (RoE) were reported at 1.35% and 17.09% respectively for Q3FY26. The bank also highlighted its financial inclusion initiatives, including new enrollments in PMJJBY, PMSBY, PMJDY, and APY schemes, and sanctioned ₹611 crore under the Union Nari Shakti Scheme for women entrepreneurs.