Indian Overseas Bank
Indian Overseas Bank (IOB) last reported results for the quarter ended Jun 2026, with sales of ₹8,778 crore and net profit of ₹1,716 crore. The stock last traded at ₹31, a market capitalisation of ₹59,792 crore, on a P/E of 10.0. Over the past 52 weeks the stock has ranged between ₹30.1 and ₹41.8. Figures are as of 6 Oct 2026 and are not real time.
Indian Overseas Bank share price and key metrics
- Current price
- ₹31
- Market cap
- ₹59,792 cr
- Stock P/E
- 10.0
- Book value
- ₹20.2
- ROE
- 15.6%
- ROCE
- 6.12%
- Dividend yield
- 0.00%
- 52w high / low
- 41.8/30.1
Metrics as of 6 Oct 2026. Not real time.
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Indian Overseas Bank growth and returns
- 10 Years
- %
- 5 Years
- 13%
- 3 Years
- 18%
- TTM
- 15%
- 10 Years
- %
- 5 Years
- 48%
- 3 Years
- 37%
- TTM
- 52%
- 10 Years
- 2%
- 5 Years
- 7%
- 3 Years
- -12%
- 1 Year
- -21%
- 10 Years
- %
- 5 Years
- 11%
- 3 Years
- 13%
- Last Year
- 16%
Indian Overseas Bank quarterly results
In the quarter ended Jun 2026, sales were ₹8,778 cr, up 18.8% from ₹7,387 cr a year earlier. Net profit was ₹1,716 cr, up 45.7% year on year.
| ₹ crore | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 6,854 | 7,116 | 7,635 | 7,387 | 7,851 | 8,172 | 8,489 | 8,778 |
| Expenses | 3,191 | 2,852 | 3,152 | 2,714 | 2,698 | 3,430 | 3,102 | 3,989 |
| Operating profit | -652 | -60 | -27 | 34 | 364 | -132 | 368 | -301 |
| OPM % | -10% | -1% | -0% | 0% | 5% | -2% | 4% | -3% |
| Other income | 1,634 | 1,298 | 1,581 | 1,480 | 1,365 | 1,499 | 1,291 | 2,160 |
| Interest | 4,315 | 4,324 | 4,510 | 4,639 | 4,790 | 4,874 | 5,019 | 5,090 |
| Depreciation | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
| Profit before tax | 982 | 1,238 | 1,554 | 1,515 | 1,729 | 1,367 | 1,659 | 1,859 |
| Tax % | 21% | 29% | 32% | 27% | 29% | 0% | 9% | 11% |
| Net profit | 780 | 875 | 1,092 | 1,178 | 1,259 | 1,427 | 1,556 | 1,716 |
| EPS (₹) | 0.41 | 0.46 | 0.57 | 0.61 | 0.65 | 0.74 | 0.81 | 0.89 |
Consolidated figures as reported by the company. Percentages are as published; totals may not sum exactly.
Indian Overseas Bank annual results
| ₹ crore | Mar 2002 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|
| Sales | 3,171 | 16,976 | 16,736 | 19,407 | 24,066 | 28,144 | 31,896 | 33,290 |
| Operating profit | -305 | -4,461 | -2,954 | -1,503 | -1,906 | -639 | 1,153 | 299 |
| OPM % | -10% | -26% | -18% | -8% | -8% | -2% | 4% | 1% |
| Net profit | 231 | 758 | 1,709 | 2,104 | 2,666 | 3,396 | 5,418 | 5,958 |
| EPS (₹) | — | 0.46 | 0.90 | 1.11 | 1.41 | 1.76 | 2.81 | 3.09 |
TTM is the trailing twelve months to the most recent quarter.
Indian Overseas Bank balance sheet
| ₹ crore | Mar 2002 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Equity capital | 445 | 16,647 | 18,902 | 18,902 | 18,902 | 19,257 | 19,257 |
| Reserves | 654 | 452 | 3,695 | 5,974 | 8,659 | 12,977 | 17,734 |
| Borrowings | 180 | 3,672 | 3,071 | 20,804 | 30,387 | 42,228 | 51,603 |
| Deposits | 31,808 | 240,353 | 262,214 | 260,974 | 286,121 | 311,204 | 368,191 |
| Other liabilities | 2,389 | 13,106 | 11,148 | 6,785 | 7,799 | 9,045 | 16,011 |
| Total liabilities | 35,477 | 274,229 | 299,030 | 313,438 | 351,869 | 394,710 | 472,795 |
| Fixed assets | 387 | 2,918 | 3,366 | 3,711 | 3,726 | 4,581 | 5,007 |
| CWIP | -0 | 1 | 0 | 0 | 14 | 74 | 67 |
| Investments | 15,015 | 95,485 | 97,641 | 93,643 | 99,194 | 110,588 | 119,285 |
| Other assets | 20,075 | 175,825 | 198,023 | 216,085 | 248,935 | 279,467 | 348,436 |
| Total assets | 35,477 | 274,229 | 299,030 | 313,438 | 351,869 | 394,710 | 472,795 |
As reported by the company. Total assets equal total liabilities by construction.
Indian Overseas Bank cash flow
| ₹ crore | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Cash from operations | 4,949 | 5,539 | -13,655 | -1,119 | 2,647 | 4,780 |
| Cash from investing | -46 | -49 | -560 | -359 | -579 | -639 |
| Cash from financing | 1,813 | 479 | -1,916 | -528 | 337 | -138 |
| Net cash flow | 6,716 | 5,969 | -16,130 | -2,006 | 2,405 | 4,003 |
| Free cash flow | 4,903 | 5,490 | -14,214 | -1,478 | 2,068 | 4,141 |
| CFO / operating profit | 77% | 84% | -138% | -4% | 4% | 26% |
Negative figures are outflows. CFO / operating profit is a ratio, not an amount.
Indian Overseas Bank operating ratios
| Per year | Mar 2002 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| ROE % | 21% | 4% | 9% | 9% | 10% | 11% | 16% |
Ratios as computed by the source from the reported statements. Rows a company does not report are omitted.
Indian Overseas Bank shareholding pattern
Promoters held 92.44% at Jun 2026, down from 94.61% at Jun 2025. FIIs 0.47% and DIIs 4.29%.
| % held | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters | 96.38% | 96.38% | 94.61% | 94.61% | 94.61% | 92.44% | 92.44% | 92.44% |
| FIIs | 0.04% | 0.02% | 0.22% | 0.08% | 0.31% | 0.35% | 0.43% | 0.47% |
| DIIs | 1.30% | 1.30% | 2.59% | 2.37% | 2.30% | 4.26% | 4.28% | 4.29% |
| Public | 2.29% | 2.30% | 2.58% | 2.94% | 2.78% | 2.93% | 2.85% | 2.80% |
| No. of shareholders | 9,77,592 | 9,77,917 | 9,77,863 | 10,08,128 | 9,88,551 | 9,81,829 | 9,68,298 | 9,55,025 |
As disclosed by the company to the exchanges. The last row is a count of shareholders, not a percentage.
Indian Overseas Bank corporate filings
- Certificate under Reg 74(5) of SEBI (DP) Regulations, 2015Company Updatelow impact
- Indian Overseas Bank revises EBLR interest rates effective from 08.10.2026 Corp Actionlow impact
Cruxal's analysis: The bank announced a revision in its External Benchmark Lending Rate (EBLR) starting…
Read the full analysis - India Ratings upgrades Indian Overseas Bank's (IOB) credit rating to ‘IND AA+’ with a Stable outlook, reflecting strengthened asset quality, improved profitability, and comfortable capital buffers.Company Updatehigh impact
Cruxal's analysis: Indian Overseas Bank (IOB) has received an upgrade in its long-term issuer rating from…
Read the full analysis - Indian Overseas Bank issues new debt securities totaling INR 3,165 crore with call options at 5 years, indicating ongoing capital raising and liquidity management effortsOthershigh impact
Cruxal's analysis: Indian Overseas Bank has issued multiple debt securities with a total outstanding amount…
Read the full analysis - Closure of Trading Window for the quarter and half year ended 30.09.2026Insider Trading / SASTlow impact
- Indian Overseas Bank reports notice of proposed bank strikeCompany Updatelow impact
Cruxal's analysis: Indian Overseas Bank has disclosed a notice regarding a proposed bank strike, a routine…
Read the full analysis - Indian Overseas Bank confirms successful annual interest payment of 45 crore 40 lakh 10 thousand on Basel III Tier II BondsOtherslow impact
Cruxal's analysis: Indian Overseas Bank has fulfilled its debt obligation by making an annual interest…
Read the full analysis - Indian Overseas Bank announces revision in MCLR effective August 15, 2026 Corp Actionlow impact
Cruxal's analysis: Indian Overseas Bank has notified a change in its Marginal Cost of Funds Based Lending…
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