Union Bank of India Share Price Prediction 2027: Scenario Targets, Valuation and Technical Outlook
- October 9, 2026
- Posted by: Kunal Singla
- Category: Market
CMP Rs 172.09 (9 Oct 2026). 52W range Rs 135.80 to Rs 205.49. PE 6.40. 2027 base Rs 207, bull Rs 247.
Quick Answer
The Union Bank of India share price forecast for 2027 centres on a conservative case of Rs 185, a base case of Rs 207 and a bull case of Rs 247, against a current price of Rs 172.09. These targets scale today’s price by reported EPS growth at a constant PE multiple, so they rest on earnings the company has already delivered, not on broker forecasts. The base case implies 20.3% upside from today’s price. The daily technical setup reads bearish.
Union Bank of India share price prediction 2027 comes down to earnings growth and the multiple investors pay for it, and the reported numbers give a measured answer. The stock trades at Rs 172.09 on NSE as of 9 October 2026, 16.3% below its 52-week high of Rs 205.49, after the company reported net profit of Rs 18,780.63 crore for FY26.
This Union Bank of India stock forecast 2027 builds conservative, base and bull scenarios from exchange-reported financials, shareholding data and daily price indicators, with every assumption shown.
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Union Bank of India Share Price Today and Key Data
The Union Bank of India share price today is Rs 172.09 on NSE, up 0.34% on the day. The market capitalisation stands at Rs 1,32,023 crore. Over the past year the price has risen 24.9% from Rs 137.83. Every Union Bank of India stock forecast figure below starts from this price.
| Metric | Value |
|---|---|
| Company | Union Bank of India (UNIONBANK) |
| Current Price | Rs 172.09 |
| 52-Week High | Rs 205.49 (27 February 2026) |
| 52-Week Low | Rs 135.80 (17 October 2025) |
| Market Cap | Rs 1,32,023 crore |
| PE Ratio | 6.40 |
| Industry PE | 12.00 |
| PB Ratio | 1.00 |
| EPS (TTM) | Rs 27.04 |
| Return on Equity | 15.57% |
| Dividend Yield | 2.89% |
| Book Value per Share | Rs 173.63 |
What Is the Union Bank of India Share Price Prediction for 2027?
The Union Bank of India share price prediction for 2027 is a conservative case of Rs 185, a base case of Rs 207 and a bull case of Rs 247. Against Rs 172.09, these imply 7.5% upside, 20.3% upside and 43.5% upside. They are model scenarios built from reported EPS growth, not broker targets.
| Scenario | EPS Growth Basis | EPS Estimate | PE Multiple | Implied Value | Upside vs Current Price |
|---|---|---|---|---|---|
| Conservative Case | Lower of FY26 growth (7.7%) and 4-year CAGR (34.5%) | Rs 29.13 (+7.7%) | Unchanged from today (price to EPS ratio kept constant) | Rs 185 | +7.5% |
| Base Case | Average of the two (capped at 20%) | Rs 32.45 (+20.0%) | Unchanged from today (price to EPS ratio kept constant) | Rs 207 | +20.3% |
| Bull Case | Higher of the two (capped at 25%) | Rs 33.80 (+25.0%) | Re-rated 15.0% toward industry PE of 12.00 (still at or below it) | Rs 247 | +43.5% |
Each target takes today’s price of Rs 172.09 and scales it by the EPS growth assumed for that case, which is the same as holding the PE multiple constant. The conservative case uses the lower of the FY26 EPS growth and the 4-year EPS CAGR, the base case uses their average and the bull case uses the higher figure. The bull case also re-rates the PE multiple toward the industry level, because the stock trades below it. Together they form the Union Bank of India target price range for the FY27 outlook over the next 12 months, and the range is not a point estimate.
Union Bank of India Share Price Forecast: What Has to Go Right by 2027
Each Union Bank of India target price below depends on a specific EPS outcome, and the text states that outcome next to the number.
Conservative Case for the Union Bank of India Share Price Target: Rs 185
Reaching Rs 185 needs EPS to rise 7.7% to Rs 29.13 while the stock keeps its current PE multiple. That matches the FY26 EPS growth of 7.7%.
Base Case for the Union Bank of India Share Price Target: Rs 207
Reaching Rs 207 needs EPS to rise 20.0% to Rs 32.45, the average of the FY26 growth rate and the 4-year CAGR. Net profit growth of 29.8% in Q1 FY27 is at or above that pace, which supports the target.
Bull Case for the Union Bank of India Share Price Target: Rs 247
Reaching Rs 247 needs EPS to rise 25.0% to Rs 33.80 and the PE multiple to re-rate 15.0% toward the industry PE. That is above the 52-week high of Rs 205.49, so it would need a fresh breakout. A daily close above the nearest resistance level of Rs 179.88 (50-day SMA) would be the first technical confirmation.
Union Bank of India Financial Performance: Revenue, Profit and Margins
Union Bank of India earned net profit of Rs 18,780.63 crore on revenue of Rs 1,28,400 crore in FY26, with profit up 4.8% and revenue up 0.2% compared with FY25. Diluted EPS was Rs 25.45 against Rs 23.62 a year earlier, and that earnings base anchors the Union Bank of India share price forecast.
| Year | Revenue (Rs Cr) | Net Profit (Rs Cr) | EPS (Rs) | Operating Margin | Net Margin |
|---|---|---|---|---|---|
| FY22 | 81,754.07 | 5,208.50 | 7.77 | 72.53% | 6.37% |
| FY23 | 97,078.53 | 8,430.34 | 12.45 | 75.06% | 8.68% |
| FY24 | 1,18,188.36 | 13,708.95 | 19.15 | 85.45% | 11.60% |
| FY25 | 1,28,162.22 | 17,921.16 | 23.62 | 87.64% | 13.98% |
| FY26 | 1,28,399.52 | 18,780.63 | 25.45 | 88.92% | 14.63% |
In the latest reported quarter, Q1 FY27 (quarter ended June 2026), revenue was Rs 32,660.24 crore against Rs 31,967.61 crore a year earlier (+2.2%), and the bottom line was a net profit of Rs 5,368.17 crore against a net profit of Rs 4,136.57 crore (+29.8%). Operating margin was 88.50% versus 85.33% in the year-ago quarter. Cash flow from operations was Rs -357.98 crore in FY26 against Rs -203.87 crore in FY25. Together these figures set the earnings base for the Union Bank of India share price prediction.
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Is Union Bank of India Overvalued or Undervalued Right Now?
Union Bank of India trades at a PE of 6.40 against an industry PE of 12.00, which places the stock at a 46.7% discount to the industry average. The price-to-book ratio is 1.00 on a book value of Rs 173.63 per share. Return on equity of 15.57% means the company earns Rs 15.57 of profit for every Rs 100 of shareholder equity.
The company declared a dividend of Rs 5.00 per share for FY26, a yield of 2.89% at the current price. This valuation context frames the Union Bank of India stock price prediction for 2027 without relying on any outside forecast.
Union Bank of India Stock Analysis: Technical Outlook
Union Bank of India stock trades below its 50-day SMA of Rs 179.88 and above its 200-day EMA of Rs 170.42, and the combined daily indicators read bearish. The 52-week high of Rs 205.49 was set on 27 February 2026, while the 52-week low of Rs 135.80 came on 17 October 2025.
| Indicator | Reading | Signal |
|---|---|---|
| RSI (14) | 43.67 | Weak momentum |
| MACD (12,26,9) | -2.89 vs signal -2.67 | Bearish |
| ADX (14) | 59.39 | Established trend |
| Supertrend (10,3) | Price below Rs 181.55 | Bearish |
| 50-day SMA | Rs 179.88 | Price below |
| 200-day EMA | Rs 170.42 | Price above |
The nearest support level sits at Rs 170.42 (200-day EMA) and Rs 135.80 (52-week low). The nearest resistance level sits at Rs 179.88 (50-day SMA) and Rs 181.55 (Supertrend). A sustained move above the nearest resistance would support the Union Bank of India share price prediction 2027 base case, and this Union Bank of India stock analysis uses daily candles only. Chart signals add context to the Union Bank of India share price target without changing the earnings maths.
Union Bank of India Shareholding Pattern
Promoters hold 74.76% of Union Bank of India as of Jun 2026, unchanged across the last 5 quarters. FII holding is 8.63% (up from 7.70% in Jun 2025) and DII holding is 11.98% (up from 11.94% in Jun 2025), which puts combined institutional holding at 20.61%. Public shareholders own 4.63%. Shareholding data is one input for any Union Bank of India stock forecast. Ownership is a useful cross-check on any Union Bank of India share price prediction.
Key Risks to the Union Bank of India Share Price Target for 2027
Earnings and Margin Risk
Operating margin has ranged from 72.53% to 88.92% between FY22 and FY26, so a slip toward the lower end would trim the EPS estimate behind the Union Bank of India stock forecast. Revenue was up 0.2% in FY26, and slower revenue growth would weigh on the profit path.
Size and Liquidity Risk
Market capitalisation stands at Rs 1,32,023 crore. Investors should check daily traded volumes and order book depth on NSE before sizing a position, because price moves can be sharper when volumes thin out. Liquidity is a practical constraint on any Union Bank of India stock price target.
Technical Risk
The daily indicators read bearish, so the targets above may need a technical turn before the price follows earnings. A daily close below Rs 170.42 (200-day EMA) would weaken the setup further.
Conclusion
This Union Bank of India stock analysis puts the share price target range for 2027 at Rs 185 to Rs 247, with a base case of Rs 207 against Rs 172.09 today. The inputs are a PE of 6.40 that sits at a 46.7% discount to the industry average, EPS growth of 7.7% in FY26 and a daily technical setup that reads bearish. The next quarterly result will show which scenario is gaining ground. This analysis is educational, so consult a SEBI-registered advisor before acting on it.
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Disclaimer: Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).
Frequently Asked Questions on Union Bank of India Share Price Prediction 2027
What is the Union Bank of India share price target for 2027?
Ans. The Union Bank of India share price forecast for 2027 has a conservative case of Rs 185, a base case of Rs 207 and a bull case of Rs 247. These are model scenarios based on reported EPS growth, and they are not guaranteed outcomes.
What is the Union Bank of India share price today?
Ans. Union Bank of India trades at Rs 172.09 on NSE as of 9 October 2026, up 0.34% on the day. The 52-week range is Rs 135.80 to Rs 205.49.
Is Union Bank of India a good stock to buy for 2027?
Ans. The data points in different directions: the PE of 6.40 is at a 46.7% discount to the industry average, EPS grew 7.7% in FY26 and the daily technical setup reads bearish. This article does not constitute investment advice, so consult a SEBI-registered advisor before deciding.
Can Union Bank of India stock reach Rs 247 in 2027?
Ans. Reaching Rs 247 needs EPS to rise 25.0% from Rs 27.04 and the PE multiple to re-rate toward the industry PE of 12.00, plus a daily close above Rs 179.88 (50-day SMA). This is a scenario, not a guarantee.
What are the support and resistance levels for Union Bank of India?
Ans. The nearest support levels are Rs 170.42 (200-day EMA) and Rs 135.80 (52-week low), and the nearest resistance levels are Rs 179.88 (50-day SMA) and Rs 181.55 (Supertrend).
What are the main risks for Union Bank of India stock in 2027?
Ans. The main risks to the Union Bank of India share price forecast are a fall in operating margin from the 72.53% to 88.92% range seen since FY22, slower revenue growth after FY26 revenue was up 0.2%, and thin trading volumes.
How is the Union Bank of India target price for 2027 calculated?
Ans. Each target scales the current price by assumed EPS growth at a constant PE multiple. The conservative case uses 7.7% growth, the base case 20.0% and the bull case 25.0%, all drawn from the company’s reported FY26 and 4-year EPS growth.
