Union Bank of India is one of the leading public sector banks in India. Let’s have a look at the business details of the bank in FY 2024-25.
Key Performance Highlights FY2025
5th Largest PSB in Business Mix
₹27,668 crore sanctioned for renewable energy sector, showcasing commitment to sustainable development
₹779 crore sanctioned under Union Green Miles scheme for electric vehicles, reducing carbon footprint
₹197 crore sanctioned under Union Green Homes, underscoring dedication towards sustainable living
₹94,825 crore in Home loans, demonstrating significant support for housing needs
₹2,16,777 crore in Total retail loans, marking 22.14% YoY growth
₹1,428 crore financed through PM SVANidhi scheme and ₹173 crore through PM Vishwakarma scheme
₹15,912 crore financed under education loans, supporting educational advancement
₹1,61,864 crore financed to agriculture priority sector and ₹74,261 crore to small and marginal farmers
₹1,36,423 crore Total MSME advances with 12.50% YoY growth
46.19 Lakh customers onboarded on VYOM and internet banking platforms
₹13,266 crore Total balance in PMJDY accounts as of March 31, 2025
₹32,848 crore Total income from treasury operations in FY 2025
Key Metrics FY2024 FY2025 Net Profit ₹13,648 Cr ₹17,987 Cr Net Interest Income ₹36,570 Cr ₹37,214 Cr Non-Interest Income ₹16,080 Cr ₹19,813 Cr Operating Profit ₹28,211 Cr ₹31,090 Cr
Profitability Ratios FY2024 FY2025 Return on Assets (ROA) 1.03% 1.26% Return on Equity (ROE) 15.58% 17.20% Net Interest Margin 3.10% 2.91%
Business Segment FY2024 (₹ Cr) FY2025 (₹ Cr) Retail Advances 1,77,488 2,16,777 MSME Advances 1,21,269 1,36,423 Agricultural Advances 1,83,833 1,78,479 Corporate Advances 4,22,294 4,51,215
Priority Sector Metrics Achievement Regulatory Target Performance Priority Sector Advances 44.31% of ANBC 40% of ANBC ✓ Exceeded by 4.31% Agricultural Advances 18.92% of ANBC 18% of ANBC ✓ Exceeded by 0.92% Small & Marginal Farmers 8.68% of ANBC 10% of ANBC -1.32% (Post PSLC sales) Micro Enterprises 8.92% of ANBC 7.50% of ANBC ✓ Exceeded by 1.42% Weaker Sections 9.29% of ANBC 12% of ANBC -2.71%
KPI Category Target Achievement Status NIM 2.8–3.0% 2.91% Achieved ROA >1.20% 1.26% Achieved ROE >15% 17.20% Exceeded GNPA Ratio <4% 3.60% Achieved CRAR >12.5% 18.02% Exceeded
Union Bank NPA FY2025
Asset Quality Metrics FY2024 FY2025 Gross NPA Amount ₹43,098 Cr ₹35,350 Cr Net NPA Amount ₹8,990 Cr ₹5,969 Cr Credit Cost 0.74% 0.77%
Union Bank No. of Employees FY25
Category Officers Clerks Sub-staff Total Total Employees 44,107 23,818 6,020 73,945 Scheduled Castes (SCs) 7,651 4,523 2,230 14,404 Scheduled Tribes (STs) 3,424 1,875 500 5,799 Other Backward Classes (OBCs) 13,458 7,610 1,984 23,052 Women Employees 12,061 7,628 1,907 21,596 Minority Communities 2,995 1,610 429 5,034 Ex-Servicemen 861 3,147 404 4,412 Differently-Abled 1,672 817 151 2,640
