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F-14/15, Orbit Mall, Civil Lines, Jaipur-302006 support@thetaxheaven.comCity Union Bank Ltd is one of India’s oldest and most trusted private sector banks, with a strong presence in South India and a steadily expanding national footprint. Known for its conservative lending practices, strong MSME focus, and healthy asset quality, City Union Bank (CUB) has built long-term credibility among retail and institutional investors alike.
In this article, we present a fresh, SEO-friendly analysis of City Union Bank Ltd share price targets from 2026 to 2030, based on current market data, banking sector trends, financial stability, and long-term growth prospects.
| Detail | Value |
|---|---|
| Open | ₹276.50 |
| Previous Close | ₹276.50 |
| Day’s High | ₹281.95 |
| Day’s Low | ₹271.10 |
| VWAP | ₹276.10 |
| 52-Week High | ₹302.20 |
| 52-Week Low | ₹142.91 |
| All-Time High | ₹302.20 |
| All-Time Low | ₹0.95 |
| Market Capitalization | ₹20,259 Cr |
| Volume | 16,36,721 |
| Value (Lacs) | 4,468.25 |
| Face Value | ₹1 |
| Book Value Per Share | ₹127.57 |
| Dividend Yield | 0.73% |
| Beta | 0.81 |
City Union Bank Ltd operates as a retail- and MSME-focused private bank, offering a wide range of financial services, including:
Retail and MSME lending
Corporate and trade finance
Deposits and savings products
Digital banking and payment solutions
NRI banking services
The bank follows a low-risk, relationship-based lending model, which has helped it maintain relatively stable asset quality across economic cycles.
Strong presence in MSME and retail banking
Conservative credit culture and risk management
Improving digital banking infrastructure
Healthy capital adequacy and balance sheet
Consistent dividend payout history
| Investor Type | Holding (%) |
|---|---|
| Retail & Others | 36.27% |
| Mutual Funds | 31.19% |
| Foreign Institutions | 23.49% |
| Other Domestic Institutions | 9.05% |
High institutional participation reflects long-term confidence in the bank’s fundamentals.
| Year | Minimum Target (₹) | Maximum Target (₹) |
|---|---|---|
| 2026 | 320 | 350 |
| 2027 | 350 | 385 |
| 2028 | 385 | 425 |
| 2029 | 425 | 470 |
| 2030 | 470 | 525 |
These estimates factor in credit growth, margin stability, improving profitability, and India’s expanding banking penetration.
By 2026, steady loan growth and controlled NPAs could support re-rating.
Growth Drivers
MSME credit expansion
Stable net interest margins
Improved operating efficiency
Investment View: Suitable for conservative investors.
2027 may reflect benefits of balance sheet normalization and better ROE.
Growth Drivers
Rising retail loan book
Improved fee income
Cost-to-income optimization
Investment View: Positive medium-term outlook.
With economic growth supporting credit demand, valuation expansion may continue.
Growth Drivers
Digitization improving customer acquisition
Strong CASA base
Stable asset quality
Investment View: Attractive for long-term holding.
By 2029, CUB could emerge as a stronger mid-sized private bank.
Growth Drivers
Higher profitability ratios
Expansion beyond core geographies
Improved investor confidence
Investment View: Favors long-term compounding investors.
By 2030, City Union Bank may benefit from India’s structural banking growth.
Growth Drivers
Rising financial inclusion
Sustainable credit growth
Consistent dividend payouts
Investment View: Ideal for long-term wealth creation with moderate risk.
City Union Bank Ltd represents a stable private banking investment with lower volatility compared to aggressive growth banks.
Strong institutional ownership
Conservative lending approach
Consistent profitability and dividends
Slower growth compared to large private banks
Regional concentration risk
Margin pressure in competitive banking environment
City Union Bank Ltd stands out as a fundamentally strong, risk-conscious private sector bank. While it may not deliver hyper-growth, its stable balance sheet, improving efficiency, and long operating history make it a reliable long-term investment.
Based on current fundamentals and sector outlook, City Union Bank Ltd share price could reach ₹470–₹525 by 2030, making it suitable for investors seeking steady compounding in the banking sector.
1. What is the current share price of City Union Bank Ltd?
It is trading around ₹275–₹280 as per recent market data.
2. What is the expected share price target for 2026?
The projected range for 2026 is ₹320 to ₹350.
3. Is City Union Bank Ltd a good long-term investment?
Yes, for investors seeking stability, dividends, and moderate growth.
4. What is the share price target for 2030?
The estimated range for 2030 is ₹470 to ₹525.
5. What factors influence City Union Bank’s share price the most?
Loan growth, asset quality, interest rate trends, margins, and overall banking sector sentiment.
Disclaimer: This article is for educational purposes only and does not constitute investment advice. Please consult a qualified financial advisor before making investment decisions.
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