Unum Group
Unum Group (NYSE: UNM) is trading at $92.34, about ₹8,866 at today's USD/INR rate, as of 25 Sep 2026, 11:32 AM ET, up 1.34% today. Indian residents can buy Unum from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
$91.08
Today's high
$92.34
52 week low
$69.02
52 week high
$96.77
UNM opened at $91.60, closed previously at $91.11, and has traded between $69.02 and $96.77 over the past 52 weeks.
About
Unum Group, along with its various subsidiaries, specializes in delivering financial protection benefits, primarily operating across the United States, the United Kingdom, and Poland. The company's operations are organized into distinct segments: Unum US, Unum International, Colonial Life, and the Closed Block. Its extensive product portfolio encompasses group coverage, including long-term and short-term disability, life insurance, and accidental death and dismemberment. Additionally, Unum provides a range of supplemental and voluntary offerings like individual disability, various voluntary benefits, and dental and vision plans. Further offerings include policies addressing accidents, sickness, general disability, life coverage, cancer, and critical illness. Beyond these, Unum's services extend to group pension plans, individual life insurance, corporate-owned life insurance (COLI), and the management of reinsurance pools. Its primary clientele consists of employers, who procure these solutions to benefit their workforce. Distribution is handled via a diverse network comprising in-house field sales teams, independent brokers, consultants, and an independent contractor agency sales force. Established in 1848, Unum Group maintains its headquarters in Chattanooga, Tennessee.
Key statistics
Avg. volume
1.55M
Market cap
$14.62B
P/E Ratio
21.52
Price-to-sales ratio
1.10
Enterprise value
$18.18B
Free cash flow yield
4.74%
Debt-to-equity ratio
0.35
Return on equity
6.43%
ROIC
1.11%
Beta
0.26
Dividend yield
2.04%
Last dividend
$1.89
Financial overview
Revenue
$13.05B
Earnings per share
$4.28
Free cash flow
$555.40M
Net profit margin
5.30%
Gross margin
35.70%
EBITDA
$1.27B
Revenue growth
2.07%
Similar securities
This is not an investment recommendation
How to buy Unum from India
Indian residents can buy Unum shares through Paasa in four steps. Funds leave India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name with Interactive Brokers.
Open a Paasa account
Complete digital KYC with your PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Add funds under LRS
Transfer INR from your Indian bank account. Your bank reports the remittance under the RBI's Liberalised Remittance Scheme and converts it to US dollars.
Search for Unum and place an order
Find Unum by name or by its ticker, UNM, and choose an order type. You can buy by amount or by quantity — fractional shares mean there is no minimum trade size. Unum trades 7:00 pm – 1:30 am IST; orders can only execute during that window.
Track holdings and download tax reports
Follow your Unum position in USD and INR, and use Paasa's capital-gains and dividend statements when you file your Indian return.
Read the full guide: how to invest in Unum from India
Trading and taxes when buying Unum from India
Trading and limits
- Trading hours
- 9:30 am – 4:00 pm ET
- LRS limit
- $250,000Per financial year, under the RBI's Liberalised Remittance Scheme.
Tax for Indian residents
- TCS on remittance
- 20%Collected by your bank on LRS remittances above ₹10 lakh in a financial year. The TCS is adjustable against your income-tax liability.Adjusting TCS against your tax
- Capital gains in India
- 12.5% or slab rateGains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate.Capital gains explained
- Dividends
- Slab rateDividends are taxed at your slab rate in India. The US withholds tax on dividends paid to Indian residents at the treaty rate; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit in India. Unum’s current yield is 2.04%.Dividend tax explained
- US estate tax
- May applyUS-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons.US estate tax calculator
Custody. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
FAQs
Can Indian residents buy Unum stock?
Yes. Unum (UNM) has been listed on the New York Stock Exchange since 1986, in the Insurance - Life industry, and Indian residents can buy it through Paasa. You fund the account from your Indian bank under the RBI's Liberalised Remittance Scheme and the money is converted to US dollars. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
How much does one Unum share cost in rupees?
One Unum share is $92.34 — about ₹8,866 at a USD/INR rate of 96.02 on 24 Sep 2026. Both the Unum price and the rupee rate move during the day, so the rupee cost changes with them.
What are the LRS and TCS rules for buying Unum from India?
Remit up to $250,000 per financial year under the RBI's Liberalised Remittance Scheme (LRS). Banks collect 20% tax at source on LRS remittances above ₹10 lakh in a financial year; the TCS is adjustable against your income-tax liability. FX and the LRS declaration are handled by your bank when you fund your account.
Can I buy whole shares of Unum?
Yes. One Unum share is $92.34, and you can buy as many whole shares as you like. You can also buy by amount rather than by quantity: there is no minimum trade size, and Paasa supports fractional investing in Unum.
How are gains on Unum shares taxed in India?
The US does not levy capital gains tax on shares for Indian residents, so the tax is an India-side one. Gains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. The gain is computed in rupees using the USD/INR rate on the purchase and the sale date, so the rupee move counts alongside the Unum price. Paasa issues a capital-gains statement for your return.
Does Unum pay a dividend, and how is it taxed in India?
Yes. Unum pays a dividend and the current yield is 2.04%; the last declared dividend was $1.89 per share, about ₹181.00. Dividends are taxed at your slab rate in India. The US withholds tax on dividends paid to Indian residents at the treaty rate; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit in India. Paasa's dividend report lists the gross dividend and any tax withheld for each payment.
When can I trade Unum from India?
The New York Stock Exchange trades 7:00 pm – 1:30 am IST in Indian time, so the close lands after midnight. The window shifts to 8:00 pm – 2:30 am IST when the US is on standard time. Orders can only execute during that window.
Is there estate or inheritance tax on Unum shares held from India?
US-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons. It applies to your overall holdings in that jurisdiction rather than to any one position. Paasa's US estate tax calculator shows the exposure for a given portfolio value.
Do I have to declare Unum shares in my Indian tax return?
Yes. Foreign shares held on 31 March must be reported in Schedule FA of your Indian income-tax return. Paasa gives you a Schedule FA-ready statement listing your Unum holding, its cost and its closing value.
How do I sell Unum and bring the money back to India?
You sell during market hours (7:00 pm – 1:30 am IST) and the proceeds settle in USD in your Paasa account. From there you can hold the balance, reinvest, or repatriate. Funds can be withdrawn in any currency to any bank account in your own name. Whether the sale is short- or long-term is decided by the 24-month holding period.