City Union Bank Share Price

    NSE
    216.9
    +0.01 (0.00%)
    CUB • 04 Jul, 2025 | 03:29 PM
    BUY

    1Y Annualised Return

    25.52%

    3Y Annualised Return

    15.62%

    5Y Annualised Return

    11.39%

    The current prices are delayed, login or Open Demat Account for live prices.

    City Union Bank Stock Performance

    1W Return5.57
    1Y Return25.74
    Today's Low211.9
    Prev. Close216.89
    Mkt Cap (Cr.)16,099.88
    1M Return9.87
    3Y Return57.04
    52-Week High232.55
    Open216.88
    PE Ratio14.34
    6M Return23.84
    Today's High220.99
    52-Week Low142.91
    Face Value1

    City Union Bank Company background

    Founded in: 1904
    Managing director: N Kamakodi

    City Union Bank is an old private sector bank. It was founded in 1904 as Kumbakonam Bank Limited. It is headquartered in Kumbakonam, Tamil Nadu. In 1987 it adopted the name City Union Bank. The bank has a strong presence in South India, especially Tamil Nadu. It offers a wide range of banking products and services to retail, corporate, agricultural customers.

    City Union Bank operates over 750 branches across India. It has over 4 million customers. Total business size is more than Rs 80,000 crore. The bank has around 5,300 employees. City Union Bank is listed on NSE and BSE. Market capitalization is over Rs 8,500 crore. Promoters hold about 28 percent stake in the bank.

    Financial Performance (FY24 and H1 FY25)

    • Net Interest Income (NII)

    FY24 ₹21,235 crore, a slight decline of 1.8% compared to ₹21,628 crore in FY23.
    H1 FY25 ₹1,128 crore, up 6% from ₹1,061 crore in H1 FY24.

    • Operating Profit

    FY24 ₹15,167 crore, down 16.6% from ₹18,180 crore in FY23.
    H1 FY25 ₹802 crore, nearly flat compared to ₹801 crore in H1 FY24.

    • Net Profit

    FY24 ₹10,157 crore, an 8.3% increase from ₹9,375 crore in FY23.
    H1 FY25 ₹550 crore, up 8% from ₹508 crore in H1 FY24.

    • Earnings Per Share (EPS)

    Q2 FY25 Basic EPS stood at ₹3.85 compared to ₹3.57 in Q2 FY24.

    • Return on Assets (RoA)

    Q2 FY25 1.59%, an improvement from 1.51% in Q2 FY24.

    • Capital Adequacy Ratio (CAR)

    As of March 2024 23.7%, up from 22.3% in March 2023.

    • Gross Non-Performing Assets (GNPA)

    Q2 FY25 GNPA ratio at 3.54%, better than the previous quarter's ratio of 3.88%.

    • Net Non-Performing Assets (NNPA)

    Q2 FY25 NNPA ratio at 1.62%, improved from 1.87% in the previous quarter.

    • Provision Coverage Ratio (PCR)

    The bank continues to maintain a high PCR above 80%, reflecting prudent provisioning practices.

    • Interest income grew by approximately 10% in both Q2 and H1 FY25 compared to the same periods last year.

    • Non-interest income also saw robust growth of 24% for Q2 FY25 and 12% for H1 FY25.

    • Advances increased by 11.5% YoY, reaching ₹48,722 crore as of September 2024.

    • Deposits rose by 8.8% YoY, standing at ₹57,369 crore as of September 2024.

    • The bank demonstrated improvement in asset quality with declining GNPA and NNPA ratios.

    • Cost-to-income ratio increased to 47.06% in FY24 due to higher operating expenses but remains manageable.

    City Union Bank has four business segments:

    • Treasury Investments, forex, derivatives, money markets. About 22 percent revenues.
    • Corporate Banking Loans and services to companies. 32 percent revenues.
    • Retail Banking Deposits, mortgages, gold loans for individuals. 35 percent revenues.
    • Other Banking Credit cards, third party products, demat. 11 percent revenues.

    Retail banking is the largest followed by corporate banking. Focus is growing retail loan books.

    Loan Portfolio Overview (FY25)

    • Total Advances as of Q2 FY25, CUB's gross advances stood at ₹48,722 crore, reflecting a 12% year-on-year growth from ₹43,688 crore in Q2 FY24.

    Loan Mix (Q1 FY25)

    • Retail Loans Retail lending has gained focus, particularly in secured segments like home loans and loans against property (LAP). Retail loans now constitute approximately 38% of the loan book, driven by housing loans and personal loans.

    • MSME Loans MSME lending remains a core focus area, forming around 49% of the loan book. This segment benefits from CUB's expertise and relationships in semi-urban and rural regions.

    • Agriculture Loans Agri loans, including gold-backed loans, account for about 25% of gross advances. The bank has reduced its Kisan Credit Card (KCC) exposure but is seeing growth in other agri segments.

    • Corporate Loans The proportion of corporate loans has declined as the bank pivots towards retail and MSME lending. However, it continues to lend selectively to large industries and wholesale traders.

    1. Digital Lending Initiatives

    CUB has implemented digital lending processes to reduce turnaround times and enhance underwriting efficiency. This initiative primarily targets retail and MSME segments.

    Unsecured retail lending has been introduced on a pilot basis for salaried customers, with yields ranging between 13–14%.

    2. Co-Lending Partnerships

    The bank is collaborating with NBFCs to expand its reach in vehicle financing, gold loans, and housing loans. These partnerships aim to diversify risks and scale operations.

    3. Shift in Focus

    CUB is increasing its emphasis on secured retail loans while gradually reducing its reliance on agriculture and corporate segments. This strategy aligns with its goal of achieving double-digit loan growth in FY25.

    • The bank's granular asset profile, with a high proportion of secured lending (99%), ensures better risk management. Small-ticket loans across retail and MSME segments further diversify risk exposure.

    The bank’s strategic shift towards retail and MSME lending, supported by digital transformation and co-lending partnerships, positions the City Union Bank share price for sustained growth while maintaining a prudent risk profile.

    • Finacle core banking across all branches.
    • Mobile and internet banking provide 24x7 access.
    • 94 percent transactions now via mobile/internet banking and ATMs.
    • Launched digital personal loans with minimal documentation.
    • Tie-ups with fintechs for digital merchant acquisition.

    Aim is improving customer experience and convenience through more technology adoption. But progress is gradual versus new generation private banks.

    • Over 750 branches across 21 states and 4 union territories.
    • About 89 percent branches in Tamil Nadu highlights concentration risk.
    • Presence in key metros like Chennai, Bangalore, Mumbai.
    • Recently opened MSME and agri focused specialty branches.
    • Also 1,600+ ATMs for wider coverage.

    While expanding in North and West India, need to accelerate for diversification beyond home state.

    • Loyal customer base in Tamil Nadu through relationship banking over decades.
    • Steady branch expansion and technology investments supported growth beyond home state.
    • Retail lending focus and geographically distributed corporate book lends stability.
    • But competition from large banks is a challenge. Should aggressively grow low cost CASA.
    • Strong Tier-1 ratio and prudent provisioning makes it well-placed to tap opportunities.
    • Can potentially be an acquisition target for larger banks wanting South India expansion.

    City Union Bank has come a long way from its inception. Taking into account its growth, it can be said that City Union Bank has solid long-term prospects. However, it needs faster diversification and digitization to compete effectively a competitive landscape.

    As of 04 Jul, 2025, City Union Bank share price is ₹217.3. The stock opened at ₹216.9 and had closed at ₹216.9 the previous day. During today’s trading session, City Union Bank share price moved between ₹211.90 and ₹220.99, with an average price for the day of ₹216.44. Over the last 52 weeks, the stock has recorded a low of ₹142.91 and a high of ₹232.55. In terms of performance, City Union Bank share price has increased by 23.8% over the past six months and has increased by 25.52% over the last year.

    Read More
    City Union Bank SIP Return Calculator

    Over the past

    1 year
    3 years
    5 years

    Total Investment of ₹65,00,000

    Would have become ₹74,07,845 (+13.97%)

    Daily SIP of 25,000 would have become 74,07,845 in 1 year with a gain of 9,07,845 (+13.97%)

    View details of Market Depth

    City Union Bank Fundamental

    Market Cap (in crs)

    16,099.88

    Face Value

    1

    Turnover (in lacs)

    4,599.00

    Key Metrics

    Qtr Change %
    New 52W High in past week
    33.4
    Dividend yield 1yr %
    Low in industry
    0.7

    Top Mutual Fund Invested in City Union Bank

    Foreign Institutions
    28%
    Mutual Funds
    28%
    Domestic Institutions
    33.1%
    Public
    38.9%
    Foreign Institutions
    27.4%
    Mutual Funds
    28.6%
    Domestic Institutions
    33.6%
    Public
    39%
    Foreign Institutions
    26%
    Mutual Funds
    29%
    Domestic Institutions
    33.6%
    Public
    40.4%
    Foreign Institutions
    26.4%
    Mutual Funds
    26.9%
    Domestic Institutions
    32.6%
    Public
    41%
    Foreign Institutions
    27%
    Mutual Funds
    24.5%
    Domestic Institutions
    29.4%
    Public
    43.6%
    Foreign Institutions
    26.6%
    Mutual Funds
    27.3%
    Domestic Institutions
    32.4%
    Public
    41%

    City Union Bank Technical Analysis

    Moving Averages Analysis
    216.9
    Current Price
    Bullish Moving Averages
    15
    Bearish Moving Averages
    1
    5Day EMA
    217.00
    10Day EMA
    212.20
    12Day EMA
    210.70
    20Day EMA
    206.20
    26Day EMA
    203.60
    50Day EMA
    195.60
    100Day EMA
    185.80
    200Day EMA
    176.60
    5Day SMA
    221.00
    10Day SMA
    210.00
    20Day SMA
    203.30
    30Day SMA
    201.30
    50Day SMA
    195.10
    100Day SMA
    177.70
    150Day SMA
    176.90
    200Day SMA
    174.60
    Delivery & Volume

    Delivery & Volume

    PeriodCombined Delivery VolumeNSE+BSE Traded Volume
    Day Rs
    938474 Rs
    2261230 Rs
    Week Rs
    2437409 Rs
    5732309 Rs
    Month Rs
    1340386 Rs
    2630237 Rs
    216.72
    Pivot
    Resistance
    First Resistance
    221.54
    Second Resistance
    225.81
    Third Resistance
    230.63
    Support
    First Support
    212.45
    Second support
    207.63
    Third Support
    203.36
    Relative Strength Index
    63.45
    Money Flow Index
    58.34
    MACD
    7.08
    MACD Signal
    5.04
    Average True Range
    7.54
    Average Directional Index
    27.19
    Rate of Change (21)
    9.34
    Rate of Change (125)
    23.32
    Name
    Holding Percent
    SBI MUTUAL FUND
    7.86
    HDFC MUTUAL FUND
    6.56
    FRANKLIN TEXPLETON MUTUAL FUND
    3.09
    AXIS MUTUAL FUND
    2.48
    NIPPON INDIA MUTUAL FUND
    1.52
    ICICI PRUDENTIAL FUND
    1.43
    SMALL CAP WORLD FUND INC
    4.94
    KOTAK FUNDS INDIA MIDCAP FUND
    1.7
    FRANKLIN TEMPLETON INVESTMENT FUNDS
    1.48
    BANK MUSCAT INDIA FUND
    1.22
    BOWHEAD INDIA FUND
    1.07
    HDFC LIFE INSURANCE COMPANY
    2.05

    City Union Bank Latest News

    05 JUL 2025 | Saturday

    City Union Bank Ltd - 532210 - Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018

    26 JUN 2025 | Thursday

    City Union Bank Ltd - 532210 - Closure of Trading Window

    26 JUN 2025 | Thursday

    City Union Bank Ltd - 532210 - Announcement under Regulation 30 (LODR)-Newspaper Publication

    View More

    City Union Bank Share Price FAQs

    City Union Bank share price is ₹216.9 in NSE and ₹217.2 in BSE as on 4/7/2025.

    City Union Bank share price in the past 1-year return was 25.74. The City Union Bank share hit a 1-year low of Rs. 142.91 and a 1-year high of Rs. 232.55.

    The market cap of City Union Bank is Rs. 16099.88 Cr. as of 4/7/2025.

    The PE ratios of City Union Bank is 14.34 as of 4/7/2025.

    The PB ratios of City Union Bank is 1.7 as of 4/7/2025

    The Mutual Fund Shareholding in City Union Bank was 27.99% at the end of 4/7/2025.

    You can easily buy City Union Bank shares in Kotak Securities by opening a demat account and getting the KYC documents verified online.

    The 52-week high and low of City Union Bank share price is ₹232.55 and ₹142.91 as of 4/7/2025.

    Please be aware that City Union Bank stock prices are subject to continuous fluctuations due to various factors.

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