The stock of Union Bank of India has gained 13% in three trading sessions since the bank declared strong growth in the fourth quarter profit last Thursday led by lower provisioning, stable margins, and higher other income. The public sector bank reported improving asset quality during the quarter amid traction in retail credit growth. Analysts have maintained a "buy" rating on the stock with 12-14% upside. The bank's credit and deposit growth picked up during the March quarter following lower growth in the previous quarter.