Indian Overseas Bank

•

iob.inBSE: 532388NSE: IOB

Market Cap₹ 63,566 Cr.

Current Price

High / Low₹ 42 / 31

Stock P/E11.0

Book Value₹ 19

Price to Book1.77

Dividend Yield0.00 %

ROCE11.0 %

ROE16.5 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Other Retail Banking-Retail Banking: 45.1% • Corporate/Wholesale Banking: 29.5% • Treasury: 23.8%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Company has delivered good profit growth of 44.3% CAGR over last 5 years
Comfortable capital adequacy - CAR of 16.9%
Asset quality is healthy - gross NPA of just 1.4%
Strong provisioning - provision coverage ratio of 97.7%
Latest quarter profit grew 49.3% YoY, showing strong momentum
Healthy loan book growth of 24.9% with stable asset quality

CONS

A large part of profit comes from other income (89.9% of PBT)
Promoter holding has decreased over last 2 years: -3.9pp
Though reporting repeated profits, the company pays out little dividend (0.0%)
Growth is decelerating - 3Y profit CAGR (35.4%) trails the 5Y trend (44.3%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesBankBank - Public

Part ofNIFTY TOTAL MKT NIFTY PSU BANK NIFTY 500 NIFTY SMLCAP 250

S.No.	Name
1.	SBIN	1001.60	10.72	924538.66	1.73	24579.04	13.65	136240.49	8.36	12.16	52.34
2.	UNIONBANK	183.40	6.78	140000.33	2.73	5368.17	29.77	27427.10	1.21	14.57	69.42
3.	PNB	115.60	6.02	132858.42	2.60	5339.15	191.40	33589.17	3.12	13.26	75.40
4.	BANKBARODA	234.90	6.69	121475.30	3.62	1572.59	-53.08	35114.52	6.84	11.20	33.10
5.	INDIANB	855.00	9.01	115165.42	2.13	3299.48	48.73	18095.14	11.11	16.28	67.14
6.	CANBK	124.20	5.67	112657.49	3.38	4864.08	61.96	32957.16	4.55	14.46	68.47
7.	MAHABANK	84.45	8.62	64955.18	2.61	2020.54	26.83	8034.65	13.90	16.53	68.61
8.	BANKINDIA	140.70	5.44	64056.04	3.30	3138.46	77.92	20096.90	8.83	10.97	73.18
9.	IOB	33.01	10.67	63566.00	0.00	1659.24	49.25	8777.57	18.82	11.31	54.56
10.	UCOBANK	23.99	12.19	30082.40	1.83	652.43	24.09	6744.59	15.10	11.00	54.71
11.	CENTRALBK	30.58	6.06	27679.19	3.92	1328.95	5.43	9725.90	12.79	8.27	67.83
12.	PSB	22.67	11.62	16085.69	1.72	331.51	23.16	3213.37	10.40	9.07	71.38

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	5,424	5,821	6,176	6,629	6,535	6,851	7,112	7,634	7,386	7,849	8,172	8,489	8,778
Interest Expended	3,102	3,475	3,778	3,866	4,094	4,313	4,323	4,511	4,639	4,790	4,874	5,019	5,090
Net Interest Income	2,323	2,346	2,398	2,763	2,441	2,537	2,789	3,123	2,746	3,059	3,299	3,470	3,688
	803	1,114	1,262	2,477	1,033	1,633	1,298	1,581	1,481	1,365	1,499	1,291	2,160
Total Income	0	0	0	0	7,587	8,490	8,415	9,258	8,868	9,216	9,672	9,780	10,938
Operating Expenses	1,781	1,783	1,879	3,279	1,798	2,042	1,820	2,086	1,869	2,025	2,195	2,096	3,155
Operating Profit	1,345	1,677	1,780	1,961	1,676	2,128	2,266	2,618	2,358	2,400	2,603	2,665	2,693
Provisions & Contingencies	838	1,044	701	768	938	1,146	1,029	1,063	844	672	1,236	1,006	834
Profit before Tax	507	633	1,079	1,193	738	982	1,237	1,554	1,514	1,728	1,367	1,659	1,859
Tax %	1.38%	1.32%	33.02%	32.29%	14.25%	20.85%	29.39%	32.38%	26.61%	29.01%	0.17%	9.26%	10.75%
Net Profit	500	625	723	808	633	777	874	1,051	1,111	1,226	1,365	1,505	1,659
EPS	0	0	0	0	0	0	0	1	1	1	1	1	0

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	0	0	0	0	0	0	0	24,050	28,131	31,896	—
Interest Expended	14,529	12,448	12,352	12,103	11,067	10,419	11,145	14,220	17,241	19,322	19,773
Net Interest Income	-14,529	-12,448	-12,352	-12,103	-11,067	-10,419	-11,145	9,829	10,890	12,574	—
	3,373	3,746	4,206	3,360	5,559	4,903	4,109	5,656	5,545	5,636	6,316
Total Income	0	0	0	0	0	0	0	29,706	33,676	37,532	39,606
	0	0	0	0	0	0	0	8,722	7,747	8,184	—
Operating Profit	-14,529	-12,448	-12,352	-12,103	-11,067	-10,419	-11,145	6,764	8,688	10,026	—
	6,980	12,191	10,403	11,678	4,656	3,842	2,384	3,351	4,176	3,758	—
Profit before Tax	-3,381	-8,632	-5,961	-8,344	840	1,779	2,348	3,413	4,512	6,268	6,613
Tax %	-0.00%	-0.00%	-0.00%	-0.00%	0.00%	0.00%	0.00%	22.18%	26.09%	16.91%	12.96%
Net Profit	-3,417	-6,299	-3,738	-8,527	831	1,710	2,099	2,656	3,335	5,208	5,756
EPS	-16	-23	-7	-8	1	1	1	1	2	3	—

COMPOUNDED SALES GROWTH

10 Years:: 3%
5 Years:: 13%
3 Years:: 18%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: 44%
3 Years:: 35%

STOCK PRICE CAGR

10 Years:: 2%
5 Years:: 11%
3 Years:: -2%
1 Year:: -17%

RETURN ON EQUITY

10 Years:: -11%
5 Years:: 12%
3 Years:: 13%
Last Year:: 16%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
LIABILITIES	-	-	-	-	-	-	-	-	-	-
Equity Capital	2,455	4,891	9,142	16,437	16,437	18,902	18,902	18,902	19,257	19,257
	11,290	8,383	7,218	-282	508	4,098	6,361	9,040	13,284	18,259
	2,11,343	2,16,832	2,22,534	2,22,952	2,40,288	2,62,159	2,60,883	2,85,905	3,11,204	3,68,191
	16,098	9,228	6,146	5,420	3,672	3,071	20,804	30,387	42,228	51,603
Other Liabilities & Provisions	5,983	8,634	4,968	16,200	13,106	11,147	6,784	7,799	9,044	16,011
Total Liabilities	2,47,167	2,47,968	2,50,008	2,60,727	2,74,010	2,99,377	3,13,734	35	40	47
ASSETS	-	-	-	-	-	-	-	-	-	-
	11,500	11,579	10,293	3,155	12,188	22,749	17,148	16,905	18,116	16,606
Balances with Banks & Money at Call	11,723	14,966	20,599	20,905	18,588	14,024	3,459	1,650	2,955	8,617
	71,654	68,646	66,932	79,416	95,494	98,179	94,170	99,632	1,11,045	1,19,810
	1,40,459	1,32,489	1,32,598	1,21,333	1,27,721	1,44,244	1,78,053	2,13,319	2,45,555	3,06,622
	3,002	2,838	3,321	3,124	2,918	3,365	3,710	3,725	4,581	5,007
	8,777	17,395	16,250	32,789	17,100	16,816	17,194	16,789	12,692	16,591
Total Assets	2,47,167	2,47,968	2,50,008	2,60,727	2,74,010	2,99,377	3,13,734	35	40	47

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-505	-1,999	-786	-14,023	4,949	5,566	-15,595	-1,165	2,771	5,502
Cash from Investing	-135	-110	-647	-85	-46	-48	-559	-359	-565	-639
Cash from Financing	1,617	5,430	5,780	7,277	1,813	479	-12	-528	310	-710
	977	3,322	4,347	-6,831	6,716	5,997	-16,166	-2,052	2,516	4,152

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE
EPS (₹)	-13.92	-12.88	-4.09	-5.19	0.51	0.90	1.11	1.40	1.73	2.70
Book Value (₹)	47.17	22.84	15.18	8.41	8.96	10.71	11.91	13.34	15.15	17.70
Dividend per Share (₹)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
PROFITABILITY
Net Interest Margin %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	2.97%	2.88%	2.78%
ROA %	-1.31%	-2.54%	-1.50%	-3.34%	0.31%	0.60%	0.68%	0.80%	0.89%	1.20%
ROE %	-27.52%	-55.38%	-29.85%	-61.57%	5.83%	9.78%	9.82%	11.13%	12.26%	16.47%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	56.32%	47.14%	44.94%
ASSET QUALITY
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	10.40%	0.00%	0.00%	0.00%	1.97%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	2.63%	0.00%	0.00%	0.00%	0.32%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	92.33%	0.00%	0.00%	97.30%	97.50%
Slippage Ratio %	—	—	—	—	—	—	—	—	—	—
BALANCE SHEET & LIQUIDITY
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	43.90%	43.52%	40.99%
Credit-Deposit Ratio %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.11%	0.14%	0.14%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	17.28%	19.74%	16.94%
GROWTH & VALUATION
Net Profit Growth %	-17.93%	-84.37%	40.66%	-128.13%	109.75%	105.60%	22.77%	26.53%	25.57%	56.18%
Book Value Growth %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	12.04%	13.53%	16.85%
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	42.69x	22.50x	11.61x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	4.50x	2.57x	1.77x
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	96.38	96.38	96.38	94.61	94.61	94.61	92.44	92.44	92.44
	0.05	0.04	0.02	0.22	0.08	0.31	0.35	0.43	0.47
	1.30	1.30	1.30	2.59	2.37	2.30	4.26	4.28	4.29
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	2.27	2.29	2.29	2.59	2.94	2.78	2.94	2.85	2.80

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-08-13

General Updates

2026-08-13 - Indian Overseas Bank has informed the Exchange about General Updates - Changes in MCLR w.e.f 15.08.2026

2026-07-31

Credit Rating

2026-07-31 - Indian Overseas Bank has informed the Exchange about Credit Rating

2026-07-24

Analysts/Institutional Investor Meet/Con. Call Updates

2026-07-24 - Indian Overseas Bank has informed the Exchange about Transcript of Analyst Meet held on 20.07.2026

2026-07-21

Copy of Newspaper Publication

2026-07-21 - Indian Overseas Bank has informed the Exchange about Copy of Newspaper Publication of financial results for the quarter ended 30.06.2026

2026-07-21

Certificate under SEBI (Depositories and Participants) Regulations, 2018

2026-07-21 - Indian Overseas Bank has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018

2026-07-20

Analysts/Institutional Investor Meet/Con. Call Updates

2026-07-20 - Indian Overseas Bank has informed the Exchange about Link of Recording

2026-07-20

Investor Presentation

2026-07-20 - Indian Overseas Bank has informed the Exchange about Investor Presentation

2026-07-20

Updates

2026-07-20 - Indian Overseas Bank has informed the Exchange regarding 'Security Cover Certificate' for the quarter ended 30.06.2026.

2026-07-20

Press Release

2026-07-20 - Indian Overseas Bank has informed the Exchange regarding a press release dated July 20, 2026, titled "Press Release on Financial Results for the quarter ended 30.06.2026".

News

Recent coverage and analyst commentary for IOB

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Free 5nance Account

Name

SBIN

1001.60

10.72

924538.66

1.73

24579.04

13.65

136240.49

8.36

12.16

52.34

UNIONBANK

183.40

6.78

140000.33

2.73

5368.17

29.77

27427.10

1.21

14.57

69.42

PNB

115.60

6.02

132858.42

2.60

5339.15

191.40

33589.17

3.12

13.26

75.40

BANKBARODA

234.90

6.69

121475.30

3.62

1572.59

-53.08

35114.52

6.84

11.20

33.10

INDIANB

855.00

9.01

115165.42

2.13

3299.48

48.73

18095.14

11.11

16.28

67.14

CANBK

124.20

5.67

112657.49

3.38

4864.08

61.96

32957.16

4.55

14.46

68.47

MAHABANK

84.45

8.62

64955.18

2.61

2020.54

26.83

8034.65

13.90

16.53

68.61

BANKINDIA

140.70

5.44

64056.04

3.30

3138.46

77.92

20096.90

8.83

10.97

73.18

IOB

33.01

10.67

63566.00

0.00

1659.24

49.25

8777.57

18.82

11.31

54.56

UCOBANK

23.99

12.19

30082.40

1.83

652.43

24.09

6744.59

15.10

11.00

54.71

CENTRALBK

30.58

6.06

27679.19

3.92

1328.95

5.43

9725.90

12.79

8.27

67.83

PSB

22.67

11.62

16085.69

1.72

331.51

23.16

3213.37

10.40

9.07

71.38

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

5,424

5,821

6,176

6,629

6,535

6,851

7,112

7,634

7,386

7,849

8,172

8,489

8,778

Interest Expended

3,102

3,475

3,778

3,866

4,094

4,313

4,323

4,511

4,639

4,790

4,874

5,019

5,090

Net Interest Income

2,323

2,346

2,398

2,763

2,441

2,537

2,789

3,123

2,746

3,059

3,299

3,470

3,688

803

1,114

1,262

2,477

1,033

1,633

1,298

1,581

1,481

1,365

1,499

1,291

2,160

Total Income

7,587

8,490

8,415

9,258

8,868

9,216

9,672

9,780

10,938

Operating Expenses

1,781

1,783

1,879

3,279

1,798

2,042

1,820

2,086

1,869

2,025

2,195

2,096

3,155

Operating Profit

1,345

1,677

1,780

1,961

1,676

2,128

2,266

2,618

2,358

2,400

2,603

2,665

2,693

Provisions & Contingencies

838

1,044

701

768

938

1,146

1,029

1,063

844

672

1,236

1,006

834

Profit before Tax

507

633

1,079

1,193

738

982

1,237

1,554

1,514

1,728

1,367

1,659

1,859

Tax %

1.38%

1.32%

33.02%

32.29%

14.25%

20.85%

29.39%

32.38%

26.61%

29.01%

0.17%

9.26%

10.75%

Net Profit

500

625

723

808

633

777

874

1,051

1,111

1,226

1,365

1,505

1,659

EPS

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

24,050

28,131

31,896

—

Interest Expended

14,529

12,448

12,352

12,103

11,067

10,419

11,145

14,220

17,241

19,322

19,773

Net Interest Income

-14,529

-12,448

-12,352

-12,103

-11,067

-10,419

-11,145

9,829

10,890

12,574

—

3,373

3,746

4,206

3,360

5,559

4,903

4,109

5,656

5,545

5,636

6,316

Total Income

29,706

33,676

37,532

39,606

8,722

7,747

8,184

—

Operating Profit

-14,529

-12,448

-12,352

-12,103

-11,067

-10,419

-11,145

6,764

8,688

10,026

—

6,980

12,191

10,403

11,678

4,656

3,842

2,384

3,351

4,176

3,758

—

Profit before Tax

-3,381

-8,632

-5,961

-8,344

840

1,779

2,348

3,413

4,512

6,268

6,613

Tax %

-0.00%

0.00%

22.18%

26.09%

16.91%

12.96%

Net Profit

-3,417

-6,299

-3,738

-8,527

831

1,710

2,099

2,656

3,335

5,208

5,756

EPS

-16

-23

-7

-8

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

LIABILITIES

Equity Capital

2,455

4,891

9,142

16,437

18,902

19,257

11,290

8,383

7,218

-282

508

4,098

6,361

9,040

13,284

18,259

2,11,343

2,16,832

2,22,534

2,22,952

2,40,288

2,62,159

2,60,883

2,85,905

3,11,204

3,68,191

16,098

9,228

6,146

5,420

3,672

3,071

20,804

30,387

42,228

51,603

Other Liabilities & Provisions

5,983

8,634

4,968

16,200

13,106

11,147

6,784

7,799

9,044

16,011

Total Liabilities

2,47,167

2,47,968

2,50,008

2,60,727

2,74,010

2,99,377

3,13,734

ASSETS

11,500

11,579

10,293

3,155

12,188

22,749

17,148

16,905

18,116

16,606

Balances with Banks & Money at Call

11,723

14,966

20,599

20,905

18,588

14,024

3,459

1,650

2,955

8,617

71,654

68,646

66,932

79,416

95,494

98,179

94,170

99,632

1,11,045

1,19,810

1,40,459

1,32,489

1,32,598

1,21,333

1,27,721

1,44,244

1,78,053

2,13,319

2,45,555

3,06,622

3,002

2,838

3,321

3,124

2,918

3,365

3,710

3,725

4,581

5,007

8,777

17,395

16,250

32,789

17,100

16,816

17,194

16,789

12,692

16,591

Total Assets

2,47,167

2,47,968

2,50,008

2,60,727

2,74,010

2,99,377

3,13,734

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-505

-1,999

-786

-14,023

4,949

5,566

-15,595

-1,165

2,771

5,502

Cash from Investing

-135

-110

-647

-85

-46

-48

-559

-359

-565

-639

Cash from Financing

1,617

5,430

5,780

7,277

1,813

479

-12

-528

310

-710

977

3,322

4,347

-6,831

6,716

5,997

-16,166

-2,052

2,516

4,152

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

PER SHARE

EPS (₹)

-13.92

-12.88

-4.09

-5.19

0.51

0.90

1.11

1.40

1.73

2.70

Book Value (₹)

47.17

22.84

15.18

8.41

8.96

10.71

11.91

13.34

15.15

17.70

Dividend per Share (₹)

0.00

PROFITABILITY

Net Interest Margin %

0.00%

2.97%

2.88%

2.78%

ROA %

-1.31%

-2.54%

-1.50%

-3.34%

0.31%

0.60%

0.68%

0.80%

0.89%

1.20%

ROE %

-27.52%

-55.38%

-29.85%

-61.57%

5.83%

9.78%

9.82%

11.13%

12.26%

16.47%

0.00%

56.32%

47.14%

44.94%

ASSET QUALITY

Gross NPA %

0.00%

10.40%

0.00%

1.97%

Net NPA %

0.00%

2.63%

0.00%

0.32%

Provision Coverage %

0.00%

92.33%

0.00%

97.30%

97.50%

Slippage Ratio %

—

BALANCE SHEET & LIQUIDITY

CASA %

0.00%

43.90%

43.52%

40.99%

Credit-Deposit Ratio %

0.00%

0.11%

0.14%

0.00%

17.28%

19.74%

16.94%

GROWTH & VALUATION

Net Profit Growth %

-17.93%

-84.37%

40.66%

-128.13%

109.75%

105.60%

22.77%

26.53%

25.57%

56.18%

Book Value Growth %

0.00%

12.04%

13.53%

16.85%

P/E (x)

0.00x

42.69x

22.50x

11.61x

P/B (x)

0.00x

4.50x

2.57x

1.77x

0.00%

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

96.38

94.61

92.44

0.05

0.04

0.02

0.22

0.08

0.31

0.35

0.43

0.47

1.30

2.59

2.37

2.30

4.26

4.28

4.29

Government

0.00

2.27

2.29

2.59

2.94

2.78

2.94

2.85

2.80

Indian Overseas Bank

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

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Indian Overseas Bank

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI