Financial Services · NIFTY 500
Indian Overseas Bank
₹31.61 +0.14 (+0.44%) Updated 12 Nov, 6:16 pm IST
Today
- Open
- ₹31.68
- Prev close
- ₹31.47
- Day high
- ₹32.36
- Day low
- ₹31.50
- Volume
- 90.16 L
- Value traded
- ₹28.73 Cr
- Upper circuit
- ₹37.76
- Lower circuit
- ₹25.18
- 52W high
- ₹40.74
- 52W low
- ₹28.32
- 1 month
- +0.26%
- 6 months
- -10.88%
Ratios
Key numbers
Worked out from the latest filings (Consolidated) and today's price. TTM = last four quarters.
Quarterly results
Results for each quarter
Last 12 quarters, consolidated, ₹ crore. Hover a bar to see the number.
Revenue and net profit
Revenue · QoQ (vs last quarter)
Revenue · YoY (vs a year ago)
Net profit · QoQ (vs last quarter)
Net profit · YoY (vs a year ago)
EPS (₹) · YoY (vs a year ago)
| ₹ Cr | Dec 23 | Mar 24 | Jun 24 | Sep 24 | Dec 24 | Mar 25 | Jun 25 | Sep 25 | Dec 25 | Mar 26 | Jun 26 | Sep 26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 6,180 | 6,634 | 6,539 | 6,854 | 7,116 | 7,635 | 7,387 | 7,851 | 8,172 | 8,489 | 8,778 | 9,201 |
| Other income | 1,263 | 2,479 | 1,048 | 1,636 | 1,299 | 1,623 | 1,480 | 1,365 | 1,499 | 1,291 | 2,160 | 1,227 |
| Total income | 7,443 | 9,113 | 7,587 | 8,490 | 8,415 | 9,258 | 8,868 | 9,216 | 9,672 | 9,780 | 10,938 | 10,428 |
| Interest expended | 3,780 | 3,868 | 4,096 | 4,315 | 4,324 | 4,510 | 4,639 | 4,790 | 4,874 | 5,019 | 5,090 | 5,334 |
| Employee cost | 1,270 | 2,518 | 1,125 | 1,342 | 1,070 | 1,132 | 1,167 | 1,172 | 1,344 | 1,006 | 2,104 | 884 |
| Provisions | 701 | 768 | 938 | 1,146 | 1,029 | 1,064 | 844 | 672 | 1,236 | 1,006 | 834 | 950 |
| Total expenses | 1,881 | 3,281 | 1,800 | 2,045 | 1,824 | 2,088 | 1,870 | 2,025 | 2,195 | 2,096 | 3,155 | 2,077 |
| Profit before tax | 1,080 | 1,196 | 754 | 984 | 1,239 | 1,595 | 1,515 | 1,729 | 1,367 | 1,659 | 1,859 | 2,066 |
| Tax | 356 | 386 | 105 | 205 | 364 | 503 | 403 | 501 | 2.3 | 154 | 200 | 154 |
| Net profit | 724 | 810 | 649 | 780 | 875 | 1,092 | 1,112 | 1,228 | 1,365 | 1,505 | 1,659 | 1,912 |
| EPS (₹) | 0.38 | 0.43 | 0.33 | 0.42 | 0.46 | 0.58 | 0.61 | 0.65 | 0.71 | 0.81 | 0.89 | 1.02 |
| Gross NPA % | 0.04% | 0.03% | 0.03% | 0.03% | 0.03% | 0.02% | 0.02% | 0.02% | 0.02% | 0.01% | 0.01% | 0.01% |
| Net NPA % | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Profit & loss
Results for each year
3 financial years (April to March), consolidated, ₹ crore.
Sales, operating profit and net profit
Revenue · YoY (vs a year ago)
Net profit · YoY (vs a year ago)
| ₹ Cr | FY24 | FY25 | FY26 |
|---|---|---|---|
| Interest earned | 24,066 | 28,144 | 31,896 |
| Other income | 5,665 | 5,607 | 5,636 |
| Total expenses | 8,731 | 7,756 | 8,184 |
| Employee cost | 6,143 | 4,669 | 4,689 |
| Profit before tax | 3,423 | 4,573 | 6,268 |
| Tax | 757 | 1,177 | 1,060 |
| Tax rate % | 22.1% | 25.7% | 16.9% |
| Net profit | 2,666 | 3,396 | 5,208 |
| Net margin % | 11.1% | 12.1% | 16.3% |
| EPS (₹) | 1.40 | 1.79 | 2.81 |
Balance sheet
Assets and debt
At each year end (and the latest half year), ₹ crore.
Equity, debt and assets
Shareholders' equity · YoY (vs a year ago)
| ₹ Cr | Mar 24 | Mar 25 | Mar 26 | Sep 26 |
|---|---|---|---|---|
| Share capital | 18,902 | 19,257 | 19,257 | 19,257 |
| Reserves | 8,659 | 12,977 | 17,734 | 21,080 |
| Shareholders' equity | 27,561 | 32,233 | 36,991 | 40,337 |
| Deposits | 286,121 | 311,939 | 368,191 | 407,428 |
| Total borrowings | 30,387 | 42,228 | 51,603 | 49,760 |
| Investments | 99,194 | 110,588 | 119,285 | 124,649 |
| Advances (loans) | 213,330 | 245,555 | 306,622 | 342,061 |
| Total assets | 351,869 | 394,708 | 472,795 | 517,448 |
| Debt / equity | 1.10 | 1.31 | 1.40 | 1.23 |
Cash flow
Cash coming in and going out
For each financial year, ₹ crore. Free cash flow = cash from operations minus spending on fixed assets.
Operating, investing and financing cash
Operations · YoY (vs a year ago)
| ₹ Cr | FY24 | FY25 | FY26 |
|---|---|---|---|
| Cash from operations | -1,119 | 2,840 | 4,780 |
| Cash from investing | -359 | -579 | -639 |
| Cash from financing | -528 | 144 | -138 |
| Net cash flow | -2,006 | 2,405 | 4,003 |
Shareholding
Who holds the shares
Promoter and public holding at each quarter end, as filed with NSE.
Holding over time
Latest (30 Sep 2026)
- Promoter & group
- 92.44%
- Public (FIIs, mutual funds, retail…)
- 7.56%
- Promoter change, last quarter
- 0.00 pts
Dividends & news
Latest dividends and announcements
Dividends & corporate actions
- Annual General Meeting
- Annual General Meeting
- Annual General Meeting
- Annual General Meeting
- Annual General Meeting
- Annual General Meeting
- Annual General Meeting
- Annual General Meeting
Board meetings
- Investor Relations Cell has informed the Exchange about Board Meeting to be held on 26-Oct-2026 to inter-alia consider and approve the Unaudited Fina…
- Investor Relations Cell has informed the Exchange about Board Meeting to be held on 26-Oct-2026 to inter-alia consider and approve the Unaudited Fina…
- Unaudited Financial Results for the Quarter and Half Year Ended September 30, 2026
- Investor Relations Cell has informed the Exchange about Board Meeting to be held on 20-Jul-2026 to inter-alia consider and approve the Unaudited Fina…
- the financial results for the period ended Jun 30, 2026
Filings with NSE
- Copy of Newspaper Publication
- Certificate under SEBI (Depositories and Participants) Regulations, 2018
- Appointment
- Investor Presentation
- Press Release
- Updates
- Statement of deviation(s) or variation(s) under Reg. 32
Latest news
SBI, IOB, PNB shares fly high; NIFTY PSU Bank index surges 15% in a monthUpstox · 12 Nov, 1:41 pmIOB, PSB, Central Bank Plan Share Sales to Cut Govt StakesRediff MoneyWiz · 11 Nov, 5:31 pmIndian Overseas Bank Share Price News: Price, ValuationUnivest · 22 Oct, 12:30 pmIndian Overseas Bank share price rise 3% after Q1 results 2026. Do you own?Livemint · 20 Jul, 12:30 pmIndian Overseas Bank Q1 earnings: Net profit rises 49% to ₹1,659 crore, NII jumps 34%Upstox · 20 Jul, 12:30 pmIndian Overseas Bank Share Price Today Gains on ContextUnivest · 15 Oct, 12:30 pmIndian Overseas Bank to resume dividend payments after 12 years; board approval likely in Q4 FY27, MD saysbfsi.economictimes.indiatimes.com · 23 Jul, 12:30 pmSupreme Petrochemicals, PNB, Indian Overseas Bank shares surge amid spurt in volumesUpstox · 20 Jul, 12:30 pmAbout
About Indian Overseas Bank
Indian Overseas Bank (IOB) is an Indian public sector bank based in Chennai. It was founded in February 1937 by M. Ct. M. Chidambaram Chettiar, and was one of the 14 major banks taken over by the government of India during the nationalisation in 1969.
From Wikipedia (CC BY-SA 4.0).
Company details
- Company name
- Indian Overseas Bank
- NSE symbol
- IOB
- BSE scrip code
- 532388
- ISIN
- INE565A01014
- Listed on
- NSE, BSE
- Series
- EQ (normal equity)
- Listed on NSE since
- 7 Dec 2000
- Face value
- ₹10 per share
- Market lot
- 1 share
- Shares issued
- 1,925.66 crore
- Index
- NIFTY 500
- Sector (NSE)
- Financial Services
- Industry
- Major Banks
- Managing director / CEO
- Ajay Kumar Srivastava
- Chair
- Srinivasan Sridhar
- Headquarters
- Chennai, IN
- Registered address
- 763, Anna Salai, Chennai-600002
- Founded
- 1937
- Employees
- 21,034
- Financial year
- April to March
- Results basis
- Consolidated
- Website
- iob.bank.in
Peers
Other Financial Services stocks
Prices from NSE via Upstox. Financials from the company's results filed with NSE (XBRL); ratios are our own working. Profile from global-stock-logos (MIT). For information only, not a recommendation to buy or sell.