Union Bank of India Share Price Target 2026, 2027, 2030, 2040, 2050
Union Bank of India is a large bank owned by the government. It helps people and businesses with banking services like savings accounts, loans, credit cards, and investments. The bank has many branches and ATMs all over India and also works in other countries like the UAE, Australia, and the UK. It expands by joining with other banks. It is also good at digital banking, offering simple online services and modern banking tools.
What is Union Bank of India Ltd NSE: UNIONBANK?
Union Bank of India was established in 1919 and is situated in Mumbai. It is a government-owned bank that offers services such as savings accounts, loans, and online banking. After merging with Andhra Bank and Corporation Bank in 2020, it became one of the largest banks in India. It has branches and ATMs across India and also in countries like the U.S., U.K., and Dubai. It is listed on the Bombay Stock Exchange and the National Stock Exchange, and it focuses on making banking easier for people by using technology and offering services to more people.
In 2020, it joined with two other government banks, Andhra Bank and Corporation Bank. This made it stronger and able to serve more people. It could offer more services and reach more customers in cities, towns, and villages by combining the three banks. The merger created a bigger network of branches and ATMs, making banking easier for individuals, small businesses, and big companies. It also helped UBI compete better with private banks. In 2026, its share price target would be ₹257, as per stock market analysts.
According to stock market analysts, its share price would be between ₹139 to ₹257 in 2026.
| वर्ष | न्यूनतम मूल्य (Rs) | अधिकतम मूल्य (Rs) |
| 2026 | 139 | 257 |
| महीना | न्यूनतम मूल्य (Rs) | अधिकतम मूल्य (Rs) |
| जनवरी | 152 | 192 |
| फ़रवरी | 147 | 200 |
| मार्च | 145 | 207 |
| अप्रैल | 150 | 214 |
| मई | 153 | 218 |
| जून | 150 | 225 |
| जुलाई | 139 | 231 |
| अगस्त | 144 | 237 |
| सितंबर | 157 | 241 |
| अक्टूबर | 165 | 247 |
| नवंबर | 175 | 252 |
| दिसम्बर | 190 | 257 |
The bank has many branches and ATMs all over the country, serving millions of people in both cities and villages. This wide network makes sure everyone can use banking services, from simple savings accounts to special loans. It has also focused on digital banking, so customers can use online and mobile services to manage their money easily. This makes banking faster and more convenient for everyone. In 2027, its share price target would be ₹384, as per stock market analysts.
According to stock market analysts, its share price would be between ₹281 to ₹384 in 2027.
| वर्ष | न्यूनतम मूल्य (Rs) | अधिकतम मूल्य (Rs) |
| 2027 | 281 | 384 |
The bank offers many services for different customers. For individuals, it provides savings and current accounts, fixed deposits, personal and home loans, credit cards, and other financial products. For businesses, it offers loans, trade services, and other financial help. The bank also supports farmers and agribusinesses it gives loans and financial suggestions. Also, it provides investment options like mutual funds and insurance, helping customers save money and plan for the future. In 2028, its share price target would be ₹491, as per stock market analysts.
Its share price would be between ₹378 to ₹491 in 2028, as per stock market analysts.
| वर्ष | न्यूनतम मूल्य (Rs) | अधिकतम मूल्य (Rs) |
| 2028 | 378 | 491 |
It has improved its digital banking to make it safe and easy for customers. People can use internet banking and mobile banking. The mobile app allows checking balances, transferring money, paying bills, and more, with strong security to keep accounts safe. It makes banking simple, especially for people who prefer using phones or computers by offering these digital services. In 2029, its share price target would be ₹592, as per stock market analysts.
According to stock market analysts, its share price would be between ₹485 to ₹592 in 2029.
| वर्ष | न्यूनतम मूल्य (Rs) | अधिकतम मूल्य (Rs) |
| 2029 | 485 | 592 |
The bank also has branches in countries like the United States, the United Kingdom, Dubai, and Hong Kong. These branches serve Indian citizens living abroad, businesses involved in international trade, and help with foreign money transfers. Being present in major global cities allows UBI to support Indian businesses abroad and provide services to Indians living outside India. In 2030, its share price target would be ₹704, as per stock market analysts.
Its share price would be between ₹586 to ₹704 in 2030, as per stock market analysts.
| वर्ष | न्यूनतम मूल्य (Rs) | अधिकतम मूल्य (Rs) |
| 2030 | 586 | 704 |
| महीना | न्यूनतम मूल्य (Rs) | अधिकतम मूल्य (Rs) |
| जनवरी | 586 | 600 |
| फ़रवरी | 590 | 612 |
| मार्च | 593 | 619 |
| अप्रैल | 597 | 628 |
| मई | 600 | 635 |
| जून | 607 | 642 |
| जुलाई | 611 | 657 |
| अगस्त | 625 | 668 |
| सितंबर | 635 | 677 |
| अक्टूबर | 642 | 680 |
| नवंबर | 658 | 689 |
| दिसम्बर | 667 | 704 |
It is a government-owned bank, so it follows rules and policies set by the government and the Reserve Bank of India (RBI). These rules cover things like keeping enough cash, managing capital, handling bad loans, and other banking standards. The government also guides the bank to focus on important areas, like providing banking services to everyone, supporting farmers, helping small businesses, and improving rural areas. In 2040, its share price target would be ₹1395, as per stock market analysts.
According to stock market analysts, its share price would be between ₹1260 to ₹1395 in 2040.
| वर्ष | न्यूनतम मूल्य (Rs) | अधिकतम मूल्य (Rs) |
| 2040 | 1260 | 1395 |
| महीना | न्यूनतम मूल्य (Rs) | अधिकतम मूल्य (Rs) |
| जनवरी | 1260 | 1288 |
| फ़रवरी | 1267 | 1297 |
| मार्च | 1275 | 1308 |
| अप्रैल | 1281 | 1315 |
| मई | 1284 | 1327 |
| जून | 1288 | 1338 |
| जुलाई | 1300 | 1347 |
| अगस्त | 1310 | 1358 |
| सितंबर | 1317 | 1367 |
| अक्टूबर | 1338 | 1372 |
| नवंबर | 1345 | 1380 |
| दिसम्बर | 1362 | 1395 |
It has many chances to grow, but also some challenges to face. The bank can grow by improving digital banking, giving more loans to people and small businesses, reaching more customers, working with fintech companies, cutting costs, completing the merger of other banks, and expanding overseas and into trade finance. It must deal with bad loans, improve risk management, protect customer data, follow rules, manage costs in rural branches, and compete with private banks and fintech companies. In 2050, its share price target would be ₹2350, as per stock market analysts.
Its share price would be between ₹2190 to ₹2350 in 2050, as per stock market analysts.
| वर्ष | न्यूनतम मूल्य (Rs) | अधिकतम मूल्य (Rs) |
| 2050 | 2190 | 2350 |
| महीना | न्यूनतम मूल्य (Rs) | अधिकतम मूल्य (Rs) |
| जनवरी | 2190 | 2235 |
| फ़रवरी | 2210 | 2247 |
| मार्च | 2219 | 2259 |
| अप्रैल | 2228 | 2274 |
| मई | 2235 | 2289 |
| जून | 2241 | 2300 |
| जुलाई | 2248 | 2310 |
| अगस्त | 2252 | 2319 |
| सितंबर | 2257 | 2325 |
| अक्टूबर | 2268 | 2337 |
| नवंबर | 2275 | 2345 |
| दिसम्बर | 2290 | 2350 |
Should I buy Union Bank of India stock?
| वर्ष | न्यूनतम मूल्य (Rs) | अधिकतम मूल्य (Rs) |
| 2026 | 145 | 257 |
| 2027 | 281 | 384 |
| 2028 | 378 | 491 |
| 2029 | 485 | 592 |
| 2030 | 586 | 704 |
| 2050 | 2190 | 2350 |
| 2050 | 2190 | 2350 |
It could be a good option for investment because the bank is earning good profits, analysts expect the price to go up, and it gives a fair dividend. The bank has many branches and good online banking services, which can help it grow more in the future. But, there are some risks, like loans that may not be repaid, rules from the government that affect the bank, and competition from private banks and fintech companies. Its stock may be suitable for people who want to invest in the Indian banking sector.
Union Bank of India earnings results
| मार्च 2020 | मार्च 2021 | मार्च 2022 | मार्च 2023 | मार्च 2024 | मार्च 2025 | टीटीएम | |
| Revenue + | 37,479 | 69,311 | 68,230 | 81,163 | 100,376 | 108,417 | 109,365 |
| ब्याज | 25,837 | 44,112 | 40,178 | 48,033 | 63,364 | 70,733 | 71,960 |
| व्यय + | 21,166 | 36,270 | 32,264 | 36,155 | 32,422 | 34,738 | 35,299 |
| Financing Profit | -9,523 | -11,071 | -4,213 | -3,024 | 4,590 | 2,946 | 2,106 |
| Financing Margin % | -25% | -16% | -6% | -4% | 5% | 3% | 2% |
| अन्य आय + | 5,789 | 14,307 | 13,524 | 15,915 | 17,813 | 21,562 | 21,632 |
| व्याख्या | 417 | 908 | 745 | 745 | 896 | 1,084 | 0 |
| कर से पहले लाभ | -4,151 | 2,327 | 8,566 | 12,147 | 21,507 | 23,424 | 23,738 |
| कर | -27% | -22% | 39% | 31% | 36% | 23% | |
| नेट प्रॉफिट + | -3,121 | 2,863 | 5,265 | 8,512 | 13,797 | 18,027 | 18,813 |
| रुपये में ईपीएस | -9.12 | 4.47 | 7.70 | 12.45 | 18.07 | 23.62 | 24.64 |
| लाभांश भुगतान % | 0% | 0% | 25% | 24% | 20% | 20% |
कुंजी मीट्रिक
| TTM PE Ratio | PB अनुपात | लाभांश प्राप्ति | सेक्टर PE | सेक्टर PB | सेक्टर Div Yld |
| 5.54 | 0.90 | 3.55% | 16.89 | 2.29 | 1.04% |
Peers & तुलना
| स्टॉक | पीई अनुपात | PB अनुपात | लाभांश प्राप्ति |
| Union Bank of India Ltd | 5.67 | 0.90 | 3.55% |
| State Bank of India | 9.80 | 1.51 | 1.87% |
| Punjab National Bank | 6.67 | 0.92 | 2.70% |
| Bank of Baroda Ltd | 5.93 | 0.83 | 3.53% |
Is Union Bank of India stock good to buy? (bull case & bear case)
बुल केस:
- It has grown its earnings per share (EPS) by 42% every year over the past three years.
- The stock shows signs of an upward trend, staying above its 200-day moving average and showing positive momentum.
- The stock is priced lower than its actual value, at 0.90 times its book value.
- The stock gives a good dividend of 3.55%.
- The company has grown its profits by 50.7% per year over the last 5 years.
- The company has been giving 21.4% of its profits as dividends regularly.
- The company is using its working capital more efficiently, reducing the time from 224 days to 117 days.
भालू का मामला:
- कंपनी के पास कम ब्याज कवरेज अनुपात है।
- The company has large contingent liabilities of ₹6,06,539 crore.
- Future earnings growth is expected to be only 0.8% per year, and revenue growth around 10.2% per year, which is lower than past growth.
- Indian banks, including UBI, may reduce dividend payouts due to lower profits, which could affect investors who rely on dividend income.
निष्कर्ष
It is a government-owned bank that helps people, businesses, and farmers with savings accounts, loans, credit cards, and investments. It has many branches in India and other countries and uses digital banking to make services easy and fast. The bank has grown by merging with other banks, earns good profits, and gives decent dividends. It is an important bank serving millions of customers and helping the economy, but investors should think about both the advantages and risks before investing.
