City Union Bank Q2 Profit Rises to Rs 416 Crore From Rs 329 Crore
The Tamil Nadu-based private bank also reported lower bad loans for the September 2026 quarter.
Key Takeaways
- City Union Bank earned Rs 416 crore in Q2 FY27, against Rs 329 crore a year earlier.
- Net interest income was Rs 873 crore and total income was Rs 2,442 crore.
- Gross NPA fell to 1.44% from 2.42%, and net NPA to 0.48% from 0.90%.
- Deposits were Rs 83,893 crore and advances Rs 72,442 crore at the end of September 2026.
- First-half profit was Rs 798 crore, against Rs 635 crore in H1 FY26.
City Union Bank reported a net profit of Rs 416 crore for the quarter ended September 30, 2026, up from Rs 329 crore in the same quarter a year earlier. The bank announced the results on October 28, 2026, after its board approved them.
Net interest income, the gap between what the bank earns on loans and pays on deposits, was Rs 873 crore. Gross bad loans fell to 1.44% of total loans and net bad loans to 0.48%.
City Union Bank Q2 FY27 at a glance
| Detail | Value |
|---|---|
| Quarter | July to September 2026 (Q2 FY27) |
| Net profit | Rs 416 crore, against Rs 329 crore in Q2 FY26 |
| Interest income | Rs 2,092 crore |
| Net interest income | Rs 873 crore |
| Total income | Rs 2,442 crore, against Rs 1,912 crore in Q2 FY26 |
| Operating profit | Rs 661 crore, against Rs 471 crore in Q2 FY26 |
| Gross NPA | 1.44%, against 2.42% in Q2 FY26 |
| Net NPA | 0.48%, against 0.90% in Q2 FY26 |
| Half-year (H1 FY27) net profit | Rs 798 crore, against Rs 635 crore in H1 FY26 |
How City Union Bank's deposits and loans grew
Total deposits stood at Rs 83,893 crore at the end of September 2026, up about 21% from Rs 69,486 crore a year earlier. Total advances were Rs 72,442 crore, up about 26% from Rs 57,561 crore.
The bank's return on assets for the quarter was 1.62%, and its capital adequacy ratio was 21.26% as of September 30, 2026. The bank also said it made a contingent provision of Rs 50 crore during the quarter.
What City Union Bank does and where its profit has been moving
City Union Bank is a private sector bank with its registered office in Kumbakonam, Tamil Nadu. It lends to small and medium businesses, and its investor presentation lists MSME lending as a focus area.
The table below shows the bank's profit in recent quarters.
| When | What happened |
|---|---|
| Q2 FY26 (July to September 2025) | Net profit of Rs 329 crore |
| Q1 FY27 (April to June 2026) | Net profit of Rs 383 crore, against Rs 306 crore a year earlier |
| Q2 FY27 (July to September 2026) | Net profit of Rs 416 crore |
Where City Union Bank stands after its September 2026 quarter
City Union Bank earned Rs 798 crore in the first half of FY27, against Rs 635 crore in the same period of FY26. Its deposits and advances together came to about Rs 156,335 crore at the end of September 2026. The bank's gross NPA ratio stood at 1.44% on September 30, 2026.
More news
Frequently Asked Questions
What is City Union Bank?
How much profit did City Union Bank make in Q2 FY27?
How does this compare with a year earlier?
How much net interest income did City Union Bank earn?
What was City Union Bank's total income in Q2 FY27?
How did City Union Bank's bad loans change?
How much did City Union Bank earn in the first half of FY27?
How big are City Union Bank's deposits and advances?
What was City Union Bank's operating profit in Q2 FY27?
What was City Union Bank's capital adequacy ratio?
What was City Union Bank's Q1 FY27 profit?
What provision did City Union Bank make in the quarter?
More in Business
BlackBuck Q2 Profit Rises to Rs 41.4 Crore From Rs 29.2 Crore
BlackBuck reported a Q2 FY27 net profit of Rs 41.4 crore, against Rs 29.2 crore a year earlier.
Shadowfax Q2 Profit Rises to Rs 68 Crore as Revenue Grows 57%
Shadowfax reported a Q2 FY27 profit of about Rs 68 crore, against about Rs 13 crore a year earlier.
Meesho to Invest Up to Rs 400 Crore in Its Payments Arm
Meesho's board approved up to Rs 400 crore for Meesho Payments and a new lending subsidiary.