City Union Bank Share Price

NSE
193.5
+1.87 (1.04%)
CUB • 24 Jun, 2025 | 03:29 PM
BUY

1Y Annualised Return

13.91%

3Y Annualised Return

11.80%

5Y Annualised Return

9.04%

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

City Union Bank SIP Return Calculator

Over the past

1 year
3 years
5 years

Total Investment of ₹65,00,000

Would have become ₹69,75,518 (+7.32%)

Daily SIP of 25,000 would have become 69,75,518 in 1 year with a gain of 4,75,518 (+7.32%)

City Union Bank Stock Performance
Today’s Low - High
192.95
194.75
192.95
194.75
52 Week Low - High
142.91
208.40
142.91
208.40

Open

194.50

Prev. Close

191.63

Total Traded Value

34.19 Cr

View details of Market Depth
City Union Bank Fundamental

Market Cap (in crs)

14,342.21

Face Value

1

Turnover (in lacs)

3,418.62

Key Metrics
Qtr Change %
35.43% Gain from 52W Low
21.9
Dividend yield 1yr %
Below industry Median
0.8

City Union Bank shareholding Pattern

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
Moving Averages Analysis
193.5
Current Price
Bullish Moving Averages
10
Bearish Moving Averages
6
5Day EMA
192.80
10Day EMA
194.00
12Day EMA
194.40
20Day EMA
194.40
26Day EMA
193.50
50Day EMA
188.30
100Day EMA
180.80
200Day EMA
173.50
5Day SMA
192.20
10Day SMA
194.00
20Day SMA
196.70
30Day SMA
195.90
50Day SMA
189.00
100Day SMA
174.50
150Day SMA
174.70
200Day SMA
172.70
Delivery & Volume

Delivery & Volume

PeriodCombined Delivery VolumeNSE+BSE Traded Volume
Day Rs
1383198 Rs
1825242 Rs
Week Rs
927892 Rs
1422123 Rs
Month Rs
1206828 Rs
1924302 Rs
Resistance & Support
193.75
Pivot
Resistance
First Resistance
194.55
Second Resistance
195.55
Third Resistance
196.35
Support
First Support
192.75
Second support
191.95
Third Support
190.95
Relative Strength Index
50.37
Money Flow Index
45.25
MACD
0.84
MACD Signal
2.39
Average True Range
5.20
Average Directional Index
20.37
Rate of Change (21)
-1.32
Rate of Change (125)
10.34
Shareholding
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

23 JUN 2025 | Monday

City Union Bank Ltd - 532210 - Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation

21 JUN 2025 | Saturday

City Union Bank Ltd - 532210 - Announcement under Regulation 30 (LODR)-Credit Rating

19 JUN 2025 | Thursday

City Union Bank Ltd - 532210 - Announcement under Regulation 30 (LODR)-Change in Directorate

View More

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 24 Jun, 2025, City Union Bank share price is ₹193.6. The stock opened at ₹194.5 and had closed at ₹191.6 the previous day. During today’s trading session, City Union Bank share price moved between ₹192.95 and ₹194.75, with an average price for the day of ₹193.85. Over the last 52 weeks, the stock has recorded a low of ₹142.91 and a high of ₹208.40. In terms of performance, City Union Bank share price has increased by 10.9% over the past six months and has increased by 13.91% over the last year.

Read More

City Union Bank FAQs

City Union Bank share price is ₹193.5 in NSE and ₹193.35 in BSE as on 24/6/2025.

City Union Bank share price in the past 1-year return was 15.05. The City Union Bank share hit a 1-year low of Rs. 142.91 and a 1-year high of Rs. 208.4.

The market cap of City Union Bank is Rs. 14342.21 Cr. as of 24/6/2025.

The PE ratios of City Union Bank is 12.79 as of 24/6/2025.

The PB ratios of City Union Bank is 1.51 as of 24/6/2025

The Mutual Fund Shareholding in City Union Bank was 27.99% at the end of 24/6/2025.

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

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

Open Demat Account
+91 -

Open Demat Account
+91 -