Share of Union Bank of India Limited is currently trading at around Rs.134/-Existing as well as Prospective Investors are asking for Union Bank Share Price Target 2025 as well as targets for 2030,2035 & 2040. In this article, we will discuss about the business prospects and financial performance of the Bank and based on our discussion and analysis will tell you about the Union Bank Share Price Target 2025 as well as targets for 2030, 2035 and 2040.
Discussion & Analysis of Business & Financial performance with future Business Prospects of Union Bank of India Ltd:
Union Bank of India (UBI) has demonstrated robust financial performance in FY25, marked by significant profitability, improved asset quality, and strategic business growth.
Financial Performance
In Q4 FY25, UBI reported a 51% year-on-year increase in net profit, reaching ₹4,985 crore, driven by enhanced non-interest income and reduced provisions. For the full fiscal year, net profit rose to ₹17,987 crore from ₹13,648 crore in FY24. Total income for the year stood at ₹1,27,539 crore, with earnings per share increasing to ₹23.56. The bank’s capital adequacy ratio improved to 18.02%, and the provision coverage ratio reached 94.61%, indicating a strong financial position
Asset quality saw notable improvement, with the gross non-performing asset (GNPA) ratio declining to 3.60% from 4.76% a year earlier, and the net NPA ratio reducing to 0.63% from 1.03%. Total business grew by 7.82% year-on-year to ₹22.93 lakh crore, comprising ₹9.8 lakh crore in gross advances and over ₹13 lakh crore in deposits.
Strategic Initiatives and Future Prospects
UBI has been focusing on retail, agriculture, and MSME (RAM) segments, which collectively grew by 14.53% year-on-year, with agriculture advances increasing by 23%. The bank has also introduced innovative products, such as a 375-day fixed deposit scheme bundled with health insurance, aiming to enhance customer engagement and diversify offerings.
Looking ahead, UBI projects advances and deposits to grow by 11–13% and 9–11%, respectively, in FY25. The bank anticipates maintaining net interest margins (NIM) within the 2.8–3.0% range, despite potential pressures from anticipated rate cuts by the Reserve Bank of India. Additionally, UBI aims to reduce GNPAs below 4% and targets recoveries of ₹16,000 crore while capping slippages at ₹11,500 crore in FY25
In summary, Union Bank of India has showcased strong financial health and strategic growth initiatives in FY25. While challenges such as margin pressures persist, the bank’s focus on asset quality improvement, diversified income streams, and customer-centric products positions it well for sustainable growth in the coming years
Share Price Targets:
Union Bank Share Price Target 2025
Based on the above discussion and analysis, the share price of Union Bank of India Ltd is likely to touch the level of around Rs.150-175 in 2025
Union Bank Share Price Target 2025
Based on the above discussion and analysis, the share price of Union Bank of India Ltd is likely to touch the level of around Rs.150-175 in 2025
Union Bank Share Price Target 2030
Based on the above discussion and analysis, the share price of Union Bank of India Ltd is likely to touch the level of around Rs.300-350 in 2030
Union Bank Share Price Target 2035
Based on the above discussion and analysis, the share price of Union Bank of India Ltd is likely to touch the level of around Rs.650-700 in 2035
Union Bank Share Price Target 2040
Based on the above discussion and analysis, the share price of Union Bank of India Ltd is likely to touch the level of around Rs.1400-1500 in 2040
Disclaimer: Investments in Capital Market/Share Prices are subject to market fluctuations and are dependent on several factors. These predictions are based on the current market conditions and the future market expectations. Investors are advised to take into consideration all these factors before making any investment in Capital Market. This article should not be treated as Investment advisory and is for general Guidance & Educational purpose only. We keep revising our share price targets based on the latest information available with us. Please keep visiting our website regularly to keep yourself updated. News4You does not offer investment advice and does not encourage any action based on its content.
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