City Union Bank Share Price

City Union Bank Limited with its head office in Kumbakonam, Tamil Nadu is one of the oldest private sector banks in India. The company offers banking products and services in retail banking, wholesale banking, and treasury operations. City Union Bank has a major presence mostly in South India where it has its branches across the nation. City Union Bank share price on NSE and BSE reflects how market participants assess ͏the bank’s performance and broader trends within the banking sector.  

City Union Bank stock price is affected by earnings, credit growth in its core markets, asset quality, interest rate movements, and RBI regulations. In the longer term, loan growth focussed strategies, deposit mobilisation, especially in the retail segment, and digital banking developments influence stock market sentiment. Monitoring these parameters gives insight into City Union Bank share price movement.  

 City Union Bank live share price provides real-time details of the last traded price, bid and ask price, and volume. These indicators represent market activity and liquidity, as investors react to corporate announcement, quarterly results, regional economic conditions. Observing the City Union Bank live price allows you to monitor short-te͏rm price fluctuations and compare the performance of this stock with the broader market and wit its banking sector competitors.  

Also, tracking City Union Bank stock price today helps investors to know real-time market sentiment, price fluctuations, and trading activities. It also permits a review of recent activity, potential entry or exit points based on price action, and a means of responding to news, financial results or sector-specific trends that could impact the company’s valuation.  

City Union Bank Limited Company Fundamentals 

City Union Bank Background 

City Union Bank Limited is one of India’s oldest private sector banks, founded on 31 October 1904 in Kumbakonam, Tamil Nadu. Originally established as Kumbakonam Bank Limited, it served mainly the local agricultural and trading community before expanding its reach across India. The bank adopted its current name, City Union Bank, in 1987, reflecting its broader vision and growing footprint beyond its regional origins. Today, City Union Bank operates as a scheduled commercial bank regulated by the Reserve Bank of India, with hundreds of branches and thousands of ATMs spread over multiple states and union territories across the country. It provides a wide range of banking and financial services tailored to individuals, businesses, and institutions. These offerings include savings and current accounts, loans (such as personal, home, vehicle, gold, MSME and agricultural loans), deposits, trade finance, cards, and digital banking services like net and mobile banking. The bank positions itself as a trusted partner for retail customers, small and medium enterprises (SMEs), farmers, and traders, combining personalised service with modern technology to meet evolving customer needs.  

City Union Bank Product Lines 

Banking Accounts 

• Savings accounts (multiple variants like basic, Young India, Junior India) with tailored benefits. 
• Current accounts for professionals and businesses. 
• NRI accounts with international banking benefits. 

Cards 

• Debit cards (including contactless and wearable payment options). 
• Credit cards with cashback, rewards, travel, shopping and lifestyle benefits. 

Loans & Advances 

• Personal loans for various needs. 
• Home loans and mortgage products. 
• Vehicle loans (twowheeler and fourwheeler). 
• Educational loans  
• Agricultural, MSME and business loans including working capital support. 
• Gold loans and loan against deposits. 

Deposits & Investments 

• Fixed deposits with flexible tenures. 
• Recurring deposits for disciplined saving. 
• Other investment options — mutual funds, bonds and wealth management services. 

Digital & Payment Services 

• Mobile banking app (CUB AllinOne). 
• Internet banking with fund transfer, bill pay, and service requests. 
• UPI payments (including BHIM/QR code). 
• IMPS / NEFT / RTGS fund transfers. 
• Bill payments (BBPS), wallets and USSD (*99#) services. 

Business & Corporate Services 

• Corporate banking solutions. 
• Cash management and treasury services. 
• Foreign exchange, export/import and remittance services. 

Other Services 

• Locker facilities, ATMs, bulk note acceptors, PoS services. 
• Demat and investment account services. 
• Insurance products through partner tieups (life, health, general) 

City Union Bank Company Revenue Model 

Interest Income (Core Banking) 

• Revenue mainly from interest on loans and advances to retail, SME, corporate, and agriculture clients. 
• Profit comes from charging more on loans than paid on deposits. 

Fee and Commission Income 

• Fees from account maintenance, processing, cards, and other services. 
• Commissions from selling insurance, mutual funds, and trade services. 

Investment & Treasury Income 

• Earnings from government bonds, investments, and treasury operations. 
• Includes interest and gains from securities. 

Commission from Third-Party Products 

• Revenue from selling insurance, mutual funds, and partner financial products. 
• Part of non-interest income for diversification. 

Segment-Wise Revenue Contribution 

• Retail banking is the largest contributor. 
• Corporate/wholesale banking provides a significant share. 
• Treasury and other banking operations complete total revenue. 

Other Income Streams 

• Fees from digital services, remittances, and ATM transactions. 
• Income from locker rentals and miscellaneous charges. 
• Overall, revenue grows mainly from loans, fees, and investment operations. 

City Union Bank Geographic Presence 

• Headquartered in Kumbakonam, Tamil Nadu, India and serving customers across India.  
• Operates a nationwide network of branches throughout the country.  
• The bank’s branch footprint spans multiple states and union territories, covering diverse regions from south to north and west to east.  
• Major concentration of branches in Tamil Nadu and southern India, reflecting its historical and regional strength.  
• Presence in other regions including North India, West India, Central India, and Eastern India through ongoing network expansion.  
• Includes hundreds of ATMs and extension counters nationwide to enhance accessibility.  
• Does not operate international branches; however, it maintains correspondent banking relationships with global banks to support international transactions and currency exchange 

City Union Bank Leadership  

Some of the key leaders of City Union Bank as of January 2026 are 

• Dr. N. Kamakodi: Managing Director & CEO 
• G. Mahalingam: Non-Executive Part-Time Chairman 
•  R. Vijay Anandh: Executive Director 
• V Ramesh (Venkataraman Ramesh): Executive/Whole-Time Director 
• J. Sadagopan: Chief Financial Officer (CFO) 
•  S Venkataramanan: Company Secretary & Compliance Office 

City Union Bank Key Milestones 

• 1904: Incorporated as The Kumbakonam Bank Limited on 31 October. 
• 1930: First branch opened at Mannargudi, Tamil Nadu.  
• 1957: Acquired assets of Commonwealth Bank Ltd; 5 branches added. 
• 1965: Name changed to The Kumbakonam City Union Bank Limited; two banks merged adding 6 branches. 
• 1968-1973: Branches opened across Tamil Nadu including Madurai, Tiruchirapalli, Coimbatore. 
• 1980: First branch outside Tamil Nadu at Sultanpet, Bangalore; also Hyderabad & Secunderabad. 
• 1987: Name changed to City Union Bank Limited. 
• 1990: RBI granted Authorised Dealer License for foreign exchange operations. 
• 2009-2014: Rights issues and QIP raised equity capital; employee share schemes introduced. 
• 2017-2018: Bonus shares issued; cyberattack detected and prevented; total branches reached 600+ and ATMs 1,600+. 
• 2019-2021: Continued branch and ATM expansion; health insurance and mutual fund distribution launched. 
• 2022-2025: Branch network grew to 875; ATMs around 1,736; total business crossed ₹1,16,000 crore; CASA and deposits increased; digital retail lending system launched. 

Industry Perspective 

The Indian banking system comprises public sector, private sector, foreign and small finance banks, and as of 2024 had combined assets exceeding ₹27,280,538 crore, with private banks contributing significantly to assets and interest income. India’s banking sector supports credit, deposit growth, and digital finance, making it one of the fastestgrowing markets globally. The retail banking market in India, where banks like City Union Bank compete, was valued at around USD 113.5 billion in 2024 and is expected to rise to approximately USD 216.2 billion by 2033, growing at an estimated CAGR of 7.5% from 2025 to 2033. Technology adoption is reshaping the industry: India’s digital banking platform market is projected to grow from over USD 3.18 billion in 2025 to more than USD 18 billion by 2033 at a CAGR of 24.6%, reflecting strong demand for digital services. Future growth drivers include increasing financial inclusion, rising middleclass incomes, lending to MSMEs and retail consumers, and rapid digital payment adoption, underpinning longterm expansion in banking revenue and assets. 

City Union Bank (CUB) stands to benefit from India’s rapidly growing banking sector through increased retail and MSME lending, rising digital adoption, and expanding financial inclusion. With its strong presence in urban and semi-urban areas, CUB can capture new customers, enhance fee-based income from digital services, and leverage treasury operations. Continued branch expansion and technology integration will drive revenue growth, asset quality, and long-term competitiveness in the private banking space. 

City Union Bank Limited Stock Market Presence: Listings & Index Representation 

City Union Bank has a long-established presence in the Indian stock market, listed on major exchanges such as the NSE (CUB) and the BSE (532210). Its inclusion in prominent indices like the Nifty 500, Nifty Smallcap 250, S&P BSE 400 MidSmallCap Index, and Nifty500 LargeMidSmall Equal-Cap Weighted Index underscores the bank’s significance within India’s mid-sized banking and financial services sector. 

The City Union Bank stock price is tracked by investors focused on the small and mid-cap segment. Its inclusion in these indices reflects its consistent market capitalisation, regulatory compliance with RBI norms, and its established scale in retail, MSME, and corporate banking within its operating regions. Listing on the NSE and BSE ensures market liquidity, while its index presence drives awareness and can influence holdings from funds that track these benchmarks. 

City Union Bank Limited Stock Performance and City Union Bank Share Price History 

The City Union Bank share price on NSE and BSE reflects its position as a well-regarded mid-sized private sector bank. Its performance is driven by loan growth, particularly in the MSME and retail segments, stable deposit costs, net interest margins, asset quality, and consistent capital adequacy under RBI norms. Investors often compare the City Union Bank share price today with relevant small-cap indices and peer banks to gauge its relative performance. 

These underlying operational factors are often visible through market movements across different periods. For instance, the City Union Bank share price increased by 68.89% in 2025, supported by strong earnings growth and positive sector sentiment. Conversely, it decreased by 15.77% in 2023 amid broader market corrections and concerns over asset quality in certain segments. Broader sector strength or weakness has also played a significant role in supporting or pressuring the City Union Bank share price. 

In addition to operational and sector-led factors, corporate actions can also impact short-term City Union Bank share price movements. This shows how such events can trigger volatility even when the bank’s core fundamentals remain stable, operating within a banking framework influenced by regional credit cycles, monetary policy, and regulatory changes. 

While short-term movements reflect events and announcements, longer-term valuation trends are visible through the City Union Bank share price 52-week high and low, providing context beyond daily changes. The 52-week high indicates periods of strong investor confidence, stable margins, and robust credit demand in its key markets, while lows often align with broader market corrections or sector-specific volatility. These levels capture the impact of monetary policy, growth expectations, and earnings visibility for a bank of its scale. 

City Union Bank’s stock performance reflects the trading behaviour of a mid-sized private sector bank with a strong regional focus. The bank’s disciplined lending portfolio, loyal deposit base, and focus on niche corporate banking have shaped its City Union Bank share price history. Over time, the stock has demonstrated long-term wealth creation potential, marked by phases of sharp appreciation and periods of consolidation. 

The early 2000s witnessed transformative growth; for example, the City Union Bank stock price surged 164.99% in 2003 as the bank expanded its balance sheet. During the global financial crisis, the City Union Bank stock price experienced high volatility, with a sharp 65.25% correction in 2008 followed by a powerful 110.02% recovery in 2009. Between 2010 and 2017, City Union Bank delivered several high-return years, including a 94.47% gain in 2010 and an 85.75% increase in 2014, reflecting sustained earnings growth and efficient operations. 

From 2018 onwards, the City Union Bank share price entered a more moderate phase, mirroring broader market challenges and consolidation within the banking sector, while the significant gain in 2025 points to renewed investor interest. City Union Bank’s stock performance over time has followed India’s economic and policy cycles with a focus on its operational regions. For instance, the City Union Bank share price reached an end-of-day high of ₹298.95 in December 2025, supported by strong quarterly results. 

Over longer investment horizons, the stock has delivered meaningful returns, including a 57.31% gain over one year and a 69.91% return over three years, as of recent data. These returns highlight growth aligned with the expanding credit demand in its core markets. The City Union Bank stock price decreased 25.15% in 2021 and 22.58% in 2020, primarily due to COVID-19 disruptions. While the broader banking sector faced asset quality concerns, the bank’s conservative provisioning and historical asset quality helped the stock recover value in subsequent years, as seen in the 30.96% gain in 2022. 

City Union Bank Limited Investor Relevance and Role in Portfolio 

City Union Bank is often considered a strategic holding in financial sector and small-to-mid-cap portfolios, offering exposure to granular retail and MSME lending, stable deposits, and fee-based services in South India. Its inclusion in indices like the Nifty Smallcap 250 underscores its economic importance within its segment. Consistent asset quality, a focused loan book, and steady regulatory compliance make it a considered choice for allocations targeting the growing regional banking segment. 

City Union Bank equity is held by a mix of domestic and international institutional investors, reflecting its reputation for stability. Top institutional stakeholders include HDFC Asset Management Company Limited, SBI Funds Management Limited, Capital Research and Management Company, Franklin Resources, Inc., and Kotak Mahindra Asset Management Company Limited. Prominent mutual fund holders include various schemes from these asset managers that track or invest in small-cap and financial services indices. 

Beyond fundamentals and ownership, City Union Bank’s stock is actively monitored in derivatives markets, where open interest and options activity reflect market expectations on its earnings, deposit growth, and asset quality trends. Technical indicators such as the City Union Bank RSI, MACD, and MFI provide additional insight into short-term momentum shifts in the City Union Bank stock price. While primarily used for near-term trading, these tools can help gauge market sentiment around quarterly results and sector news. 

City Union Bank’s beta has generally reflected its nature as a small-to-mid-cap banking stock. Its long-term beta is 1.21, indicating a historical tendency to be more volatile than the broader market. However, this beta can vary across different time horizons; for instance, the daily beta over a three-month range has been as low as 0.292, showing lower correlation to daily market swings at times, while the weekly beta over a one-year range has been higher at 1.45. This range highlights that the City Union Bank share price can experience periods of both heightened and subdued volatility relative to the market, influenced by its earnings cycles and regional economic factors. 

City Union Bank Limited Sectoral Relevance and Peer Positioning 

City Union Bank’s sector relevance stems from its stronghold in MSME and retail lending in South India, healthy CASA ratios, and consistent profitability, establishing it as a key player in the regional banking ecosystem. Peer comparisons with other private banks of similar scale, such as Karur Vysya Bank or South Indian Bank, often focus on loan book composition, net interest margins, asset quality metrics, and cost efficiency rather than short-term stock moves. These benchmarks help assess operational resilience and market positioning. Institutional tracking of its deposit growth, regional credit trends, and capital adequacy further highlights City Union Bank’s importance within India’s diverse banking landscape. 

City Union Bank’s market cap history demonstrates its growth trajectory and evolving market valuation. The bank’s market capitalization was ₹3.94 billion in 2006 and grew significantly to ₹9.61 billion by 2007, a 144.05% increase. Steady expansion followed, with the market cap reaching ₹77.28 billion in 2016 and ₹118.89 billion in 2017. After a period of consolidation, it climbed to a peak of ₹216.80 billion in 2025, reflecting strong investor confidence and performance. As of January 2026, the market cap stands at ₹201.10 billion. This growth in valuation is closely tied to the City Union Bank share price and its consistent earnings delivery over the long term. 

City Union Bank earnings history reveals a pattern of steady, compounding growth. Earnings grew from ₹3.18 billion in 2012 to ₹5.03 billion in 2014, a 24.33% increase. The growth trajectory continued, with earnings reaching ₹7.58 billion in 2017 and ₹11.88 billion in 2022, which represented a significant 55.88% yearly jump. Earnings saw a slight dip to ₹11.68 billion in 2023 before recovering to ₹13.73 billion in 2024. For the trailing twelve months (TTM) in 2025, earnings stand at ₹14.63 billion. This consistent rise in pretax income underscores the bank’s ability to grow its core operations profitably across economic cycles. 

The history of City Union Bank’s Earnings Per Share (EPS) mirrors its profit growth, indicating value creation for shareholders on a per-share basis. The EPS was ₹9.36 in 2016 and increased to ₹11.89 in 2017, a 27.06% rise. It further improved to ₹12.20 in 2018. For the trailing twelve months (TTM) in 2025, the EPS is reported at ₹15.41. This upward trend in EPS highlights the bank’s success in growing its net earnings, which is a fundamental driver behind long-term movements in the City Union Bank share price and investor returns. 

The Price-to-Earnings (P/E) ratio history for City Union Bank shows how the market has valued its earnings over time. The P/E ratio was 14.8 at the end of 2016. It increased to 18.5 by the end of 2017 and further to 20.3 by the end of 2018, indicating rising market expectations. As of January 2026, the P/E ratio (TTM) is 16.4. These fluctuations in the P/E ratio reflect changing market sentiments regarding the bank’s future growth prospects, risk profile, and the valuation of the broader banking sector, relative to its steady earnings performance. 

Summary 

City Union Bank is a private sector bank with a strong regional presence in South India, listed on the NSE and BSE. Its stock performance is influenced by fundamentals like loan growth, asset quality, and earnings. The bank is included in several indices, such as the Nifty Smallcap 250, and is held by various domestic and international institutions. Key financial metrics, including its market cap, earnings history, and P/E ratio, provide insight into its market valuation and operational performance over time. Monitoring the City Union Bank share price offers a view of market sentiment towards the bank.