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| Orders | Qty | Bid |
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| 9 | 5858 | 239.85 |
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| 0 | 0 | 0 |
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Annual Revenue,rose 11.97%, in the last year to ₹6,732.1 Cr. Its sector's average revenue growth for the last fiscal year was 10.09%.Annual Net Profit,rose 10.62% in the last year to ₹1,123.63 Cr. Its sector's average net profit growth for the last fiscal year was 12.33%.Price to Earning Ratio,is 14.24, lower than its sector PE ratio of 20.27.
City Union Bank Limited (CUB) is an old premier private-sector bank incorporated on October 31, 1904, with its registered office in Kumbakonam, Tamil Nadu. It was included in the Second Schedule of the Reserve Bank of India Act, 1934 on March 22, 1945. The bank provides a wide range of banking and financial services, including commercial banking, retail and corporate banking, treasury operations, and foreign exchange facilities .
CUB’s franchise is nationwide and predominantly domestic. As of March 31, 2025, the bank operated 875 branches and 1,736 ATMs; 84% of branches are in the South, 7% in the West, 5% in the North, 3% in Central India, and 1% in the East. In FY 2024–25, the bank reported total business of ₹1,16,592 crore, with deposits at ₹63,526 crore and gross advances at ₹53,066 crore; total assets stood at ₹77,623 crore.
Core products and services include demand, savings and term deposits; working capital and term loans to MSMEs and other sectors; retail lending including housing loans; treasury and forex services; and digital banking. The deposit mix at March 31, 2025 comprised demand (9.56%), savings (18.96%), and term deposits (71.48%), totaling ₹63,525.95 crore; CASA deposits were ₹18,118.88 crore (29% of total deposits). The bank also offers locker services, as referenced in its accounting policies for revenue recognition .
CUB reports four primary operating segments: Treasury, Corporate/Wholesale Banking, Retail Banking (including Digital Banking Units), and Other Banking Operations. In FY 2024–25, segment revenues were: Treasury ₹1,239.50 crore; Corporate Banking ₹1,402.61 crore; Retail Banking ₹3,971.61 crore; and Other Banking Operations ₹118.38 crore, aggregating to total income of ₹6,732.10 crore. Gross profit contribution was ₹619.90 crore (36.93%) from Treasury, ₹262.18 crore (15.62%) from Corporate, ₹687.69 crore (40.97%) from Retail, and ₹108.86 crore (6.48%) from Other Banking Operations.
Industries served: As of March 31, 2025, sectoral deployment of advances shows MSME at ₹21,669.55 crore (40.83% of total advances), Agriculture ₹8,787.16 crore (16.56%), Commercial Real Estate ₹3,651.30 crore (6.88%), Gold Loan (Non Agriculture) ₹6,645.30 crore (12.52%), Housing Loans ₹2,515.35 crore (4.74%), NBFCs ₹1,417.31 crore (2.67%), and others. Major industrial exposures include textiles, metals, engineering, and other industries; “other textiles” constitute 5.77% of gross credit exposure within industrial exposures .
– Dr. N. Kamakodi – Managing Director & CEO. Listed as a Key Managerial Personnel (KMP) with overall executive responsibility for the bank .
The bank opened 75 new branches during the year, taking the network to 875 branches and 1,736 ATMs .
– Technology: The bank implemented an AI-based Digital Loan Originating System that assesses provisional credit eligibility and supports digital lending workflows based on customer acceptance and approval .
The bank was incorporated on October 31, 1904, and was included in the Second Schedule of the RBI Act on March 22, 1945 .
The registered office is in Kumbakonam, Tamil Nadu. As of March 31, 2025, CUB had 875 branches and 1,736 ATMs across India .
Treasury, Corporate/Wholesale Banking, Retail Banking (including Digital Banking Units), and Other Banking Operations. Retail Banking contributed the largest share of revenue in FY 2025
