Union Bank Business Details FY 2024-25: Profit, NPA, Advances, No. of Employees
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 |
