Union Bank of India (UNIONBANK) — Defensive Interval Ratio

Latest as of March 2025: 4 days

Union Bank of India (UNIONBANK) has a Defensive Interval Ratio of 4 days as of March 2025. Defensive assets of Rs147.65 Billion (cash Rs-, short-term investments Rs-, receivables Rs147.65 Billion) cover 4 days of daily cash needs of Rs35.95 Billion/day. Check Union Bank of India tangible equity quality to evaluate the tangible quality of the company's equity base.

Defensive Interval Ratio

4 days
Days of operational coverage

Defensive Assets

Rs147.65 Billion
Cash + ST Investments + Receivables

Daily Cash Need

Rs35.95 Billion
Current Liabilities ÷ 365

Current Liabilities

Rs13.12 Trillion
INR

Union Bank of India Defensive Interval Ratio (2005–2025)

This chart shows how Union Bank of India's Defensive Interval Ratio has evolved across 20 annual periods from 2005 to 2025. As of March 2025, the ratio stands at 4 days, meaning defensive assets of Rs147.65 Billion can fund 4 days of operations without new revenue. Also explore UNIONBANK net asset momentum to track the company's year-over-year net asset growth rate.

Annual Defensive Interval Ratio for Union Bank of India (2005–2025)

The table below presents the year-by-year Defensive Interval Ratio for Union Bank of India from 2005 to 2025, covering 20 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see market cap of Union Bank of India.

Year DIR (days) Defensive Assets (INR) Daily Cash Need Cash ST Investments Change (days)
2025 4 days Rs147.65 Billion Rs35.95 Billion/day Rs- Rs- ▲ +36 days
2024 -32 days Rs-361.58 Billion Rs11.43 Billion/day Rs- Rs-506.26 Billion ▲ +5852 days
2023 -5883 days Rs-972.68 Billion Rs165.32 Million/day Rs- Rs-1.10 Trillion ▼ -3422 days
2022 -2462 days Rs-306.81 Billion Rs124.64 Million/day Rs- Rs-423.31 Billion ▲ +271 days
2021 -2733 days Rs-238.16 Billion Rs87.14 Million/day Rs- Rs-340.99 Billion ▼ -258 days
2020 -2475 days Rs-127.27 Billion Rs51.42 Million/day Rs- Rs-181.14 Billion ▼ -3916 days
2019 1441 days Rs69.81 Billion Rs48.46 Million/day Rs- Rs- ▲ +144 days
2018 1297 days Rs124.65 Billion Rs96.11 Million/day Rs- Rs- ▼ -1832 days
2017 3129 days Rs142.31 Billion Rs45.48 Million/day Rs- Rs- ▼ -585 days
2016 3714 days Rs105.45 Billion Rs28.39 Million/day Rs- Rs- ▼ -337 days
2015 4052 days Rs102.14 Billion Rs25.21 Million/day Rs- Rs- ▲ +868 days
2014 3183 days Rs77.11 Billion Rs24.22 Million/day Rs- Rs- ▼ -492 days
2013 3675 days Rs84.30 Billion Rs22.94 Million/day Rs- Rs- ▲ +3197 days
2012 478 days Rs16.94 Billion Rs35.45 Million/day Rs- Rs- ▲ +267 days
2010 211 days Rs10.37 Billion Rs49.23 Million/day Rs- Rs- ▲ +18 days
2009 192 days Rs9.10 Billion Rs47.31 Million/day Rs- Rs- ▼ -34 days
2008 227 days Rs9.82 Billion Rs43.35 Million/day Rs- Rs- ▼ -19 days
2007 246 days Rs7.39 Billion Rs30.03 Million/day Rs- Rs- ▼ -15 days
2006 261 days Rs6.70 Billion Rs25.68 Million/day Rs- Rs- ▼ -42 days
2005 303 days Rs5.88 Billion Rs19.40 Million/day Rs- Rs- —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)