Indian Overseas Bank Share Price & Analysis
Price Chart
Fundamentals
Strengths
- Strong return on equity (ROE 15.6%)
- Attractively valued vs sector (P/E 10.8x vs industry 37.5x)
Concerns
Peer Comparison
| Company | CMP | Mkt Cap | P/E | P/B | ROE % | ROCE % | D/E |
|---|---|---|---|---|---|---|---|
| HDFCBANK HDFC Bank Limited | ₹712 | ₹11.0L Cr | 13.9 | 1.83 | 13.6 | 7.02 | — |
| ICICIBANK ICICI Bank Limited | ₹1,423 | ₹10.2L Cr | 18.2 | 2.7 | 15.9 | 7.18 | — |
| SBIN State Bank of India | ₹1,016 | ₹9.4L Cr | 11.2 | 1.51 | 15.4 | 6.13 | — |
| BAJFINANCE Bajaj Finance Limited | ₹1,061 | ₹6.6L Cr | 32.2 | 5.8 | 18.2 | 10.9 | — |
| LICI Life Insurance Corporation Of India | ₹415 | ₹5.3L Cr | 8.75 | — | 37.8 | 35.1 | 0 |
| KOTAKBANK Kotak Mahindra Bank Limited | ₹425 | ₹4.2L Cr | 21.1 | 2.33 | 11.4 | 6.98 | — |
| AXISBANK Axis Bank Limited | ₹1,273 | ₹4.0L Cr | 14.3 | 1.79 | 13.1 | 6.24 | — |
Showing 7 peers in the same sector · Sorted by market cap
Shareholding Pattern
IOB · as of Mar 2026
| Category | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Promoters | 96.38% | 96.38% | 96.38% | 96.38% | 96.38% | 94.61% |
| FII | 0.03% | 0.05% | 0.05% | 0.04% | 0.02% | 0.22% |
| DII | 1.29% | 1.29% | 1.30% | 1.30% | 1.30% | 2.59% |
| Public | 2.28% | 2.28% | 2.27% | 2.29% | 2.30% | 2.58% |
Corporate Events
To consider and approve the financial results for the period ended Jun 30, 2026
To consider Capital Plan of the Bank for FY 2026-27
To consider and approve the financial results for the period ended March 31, 2026
Annual General Meeting
Annual General Meeting
Latest News
All newsIndian Overseas Bank discloses credit rating update
*Indian Overseas Bank discloses credit rating update* as per a recent exchange filing. The bank has informed stakeholders about its current credit rating, though no specific rating change is detailed. This is a routine disclosure with no immediate financial impact. 📊 *STOCKS:* IOB | 🏢 *SECTOR:* Banking | #LOWIMPACT #CreditRating
Indian Overseas Bank holds AGM, submits Scrutinizer Report
*Indian Overseas Bank holds AGM, submits Scrutinizer Report* The bank conducted its Annual General Meeting on July 7, 2026, and filed the Scrutinizer Report with the NSE. This is a routine compliance requirement following shareholder meetings. No material announcements were disclosed beyond the procedural filing. 📊 *STOCKS:* IOB | 🏢 *SECTOR:* Banking | #LOWIMPACT #AGM
Indian Overseas Bank announces AGM voting results
*Indian Overseas Bank announces AGM voting results* — The bank has submitted the scrutinizers' report of its Annual General Meeting held on July 07, 2026, to the stock exchange. Voting results from the meeting have been disclosed. No major corporate actions or financial updates were highlighted. \n📊 *STOCKS:* IOB | 🏢 *SECTOR:* Banking | #LOWIMPACT #AGM
IOB reports 3.25% global NIM in Q4
*IOB reports 3.25% global NIM in Q4* — Indian Overseas Bank maintained a global net interest margin of **3.25%** in the fourth quarter. The stable NIM reflects resilient asset yields and cost management. Performance indicates steady credit growth and improved liability mix. 📊 *STOCKS:* IOB | 🏢 *SECTOR:* Banking | #MEDIUMIMPACT #NIM
Financials
Quarterly Results
| Metric | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Op. Profit | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — |
| Net Profit | ₹1.4K Cr 13.3% | ₹1.3K Cr 6.9% | ₹1.2K Cr 7.9% | ₹1.1K Cr 24.8% | ₹875 Cr 12.2% | ₹780 Cr 20.2% | ₹649 Cr 19.9% | ₹810 Cr |
| EPS (₹) | 0.74 13.8% | 0.65 6.6% | 0.61 7.0% | 0.57 23.9% | 0.46 12.2% | 0.41 20.6% | 0.34 20.9% | 0.43 |
Values in ₹ Cr · Source: Screener.in
Annual Profit & Loss
| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2002 |
|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — |
| Expenses | ₹11.4K Cr 1.0% | ₹11.5K Cr 1.8% | ₹11.7K Cr 20.3% | ₹9.8K Cr 5.3% | ₹9.3K Cr 10.6% | ₹10.4K Cr 714.4% | ₹1.3K Cr |
| Op. Profit | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — |
| Other Income | ₹5.8K Cr 4.3% | ₹5.6K Cr 1.0% | ₹5.7K Cr 37.6% | ₹4.1K Cr 16.1% | ₹4.9K Cr 10.6% | ₹5.5K Cr 923.5% | ₹536 Cr |
| Interest | ₹19.3K Cr 12.1% | ₹17.2K Cr 21.2% | ₹14.2K Cr 27.6% | ₹11.1K Cr 7.0% | ₹10.4K Cr 5.9% | ₹11.1K Cr 402.5% | ₹2.2K Cr |
| Depreciation | ₹521 Cr 31.9% | ₹395 Cr 17.6% | ₹336 Cr 29.2% | ₹260 Cr 50.3% | ₹173 Cr 32.9% | ₹258 Cr | ₹0 Cr |
| PBT | ₹6.5K Cr 41.7% | ₹4.6K Cr 33.6% | ₹3.4K Cr 45.5% | ₹2.4K Cr 32.3% | ₹1.8K Cr 131.9% | ₹767 Cr 232.0% | ₹231 Cr |
| Tax % | 16.0% 38.5% | 26.0% 18.2% | 22.0% 100.0% | 11.0% 175.0% | 4.0% 300.0% | 1.0% | 0.0% |
| Net Profit | ₹5.4K Cr 59.5% | ₹3.4K Cr 27.4% | ₹2.7K Cr 26.7% | ₹2.1K Cr 23.1% | ₹1.7K Cr 125.5% | ₹758 Cr 228.1% | ₹231 Cr |
| EPS (₹) | 2.81 59.7% | 1.76 24.8% | 1.41 27.0% | 1.11 23.3% | 0.9 95.7% | 0.46 | — |
| Div Payout | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% 100.0% | 23.0% |
Values in ₹ Cr · Source: Screener.in
Balance Sheet
| Item | Mar 2026 | Sep 2025 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2002 |
|---|---|---|---|---|---|---|---|---|
Liabilities | ||||||||
| Equity Capital | ₹19.3K Cr 0.0% | ₹19.3K Cr 0.0% | ₹19.3K Cr 1.9% | ₹18.9K Cr 0.0% | ₹18.9K Cr 0.0% | ₹18.9K Cr 13.5% | ₹16.6K Cr 3640.9% | ₹445 Cr |
| Reserves | ₹17.7K Cr 18.4% | ₹15.0K Cr 15.4% | ₹13.0K Cr 49.9% | ₹8.7K Cr 44.9% | ₹6.0K Cr 61.7% | ₹3.7K Cr 717.5% | ₹452 Cr 30.9% | ₹654 Cr |
| Borrowings | — | — | — | — | — | — | — | — |
| Other Liabilities | ₹16.0K Cr 31.8% | ₹12.2K Cr 34.4% | ₹9.0K Cr 16.0% | ₹7.8K Cr 14.9% | ₹6.8K Cr 39.1% | ₹11.1K Cr 14.9% | ₹13.1K Cr 448.6% | ₹2.4K Cr |
| Total Liabilities | ₹4.7L Cr 9.5% | ₹4.3L Cr 9.4% | ₹3.9L Cr 12.2% | ₹3.5L Cr 12.3% | ₹3.1L Cr 4.8% | ₹3.0L Cr 9.0% | ₹2.7L Cr 673.0% | ₹35.5K Cr |
Assets | ||||||||
| Fixed Assets | ₹5.0K Cr 0.4% | ₹5.0K Cr 8.9% | ₹4.6K Cr 22.9% | ₹3.7K Cr 0.4% | ₹3.7K Cr 10.2% | ₹3.4K Cr 15.4% | ₹2.9K Cr 654.0% | ₹387 Cr |
| CWIP | ₹67 Cr | ₹0 Cr 100.0% | ₹74 Cr 428.6% | ₹14 Cr | ₹0 Cr | ₹0 Cr 100.0% | ₹1 Cr | ₹0 Cr |
| Investments | ₹1.2L Cr 2.9% | ₹1.2L Cr 4.9% | ₹1.1L Cr 11.5% | ₹99.2K Cr 5.9% | ₹93.6K Cr 4.1% | ₹97.6K Cr 2.3% | ₹95.5K Cr 535.9% | ₹15.0K Cr |
| Other Assets | ₹3.5L Cr 12.1% | ₹3.1L Cr 11.3% | ₹2.8L Cr 12.3% | ₹2.5L Cr 15.2% | ₹2.2L Cr 9.1% | ₹2.0L Cr 12.6% | ₹1.8L Cr 775.8% | ₹20.1K Cr |
| Total Assets | ₹4.7L Cr 9.5% | ₹4.3L Cr 9.4% | ₹3.9L Cr 12.2% | ₹3.5L Cr 12.3% | ₹3.1L Cr 4.8% | ₹3.0L Cr 9.0% | ₹2.7L Cr 673.0% | ₹35.5K Cr |
Values in ₹ Cr · Source: Screener.in
Cash Flow Statement
| Item | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2002 |
|---|---|---|---|---|---|---|---|
| Operating CF | ₹4.8K Cr 80.6% | ₹2.6K Cr 336.6% | ₹-1.1K Cr 91.8% | ₹-13.7K Cr 346.5% | ₹5.5K Cr 11.9% | ₹4.9K Cr | — |
| Investing CF | ₹-639 Cr 10.4% | ₹-579 Cr 61.3% | ₹-359 Cr 35.9% | ₹-560 Cr 1042.9% | ₹-49 Cr 6.5% | ₹-46 Cr | — |
| Financing CF | ₹-138 Cr 140.9% | ₹337 Cr 163.8% | ₹-528 Cr 72.4% | ₹-1.9K Cr 500.0% | ₹479 Cr 73.6% | ₹1.8K Cr | — |
| Net Cash Flow | ₹4.0K Cr 66.4% | ₹2.4K Cr 219.9% | ₹-2.0K Cr 87.6% | ₹-16.1K Cr 370.2% | ₹6.0K Cr 11.1% | ₹6.7K Cr | — |
| Free Cash Flow | ₹4.1K Cr 100.2% | ₹2.1K Cr 239.9% | ₹-1.5K Cr 89.6% | ₹-14.2K Cr 358.9% | ₹5.5K Cr 12.0% | ₹4.9K Cr | — |
Values in ₹ Cr · Source: Screener.in
About Indian Overseas Bank
Indian Overseas Bank was founded in 1937 by Chidambaram Chettyar. It was one of the 14 major banks that were nationalized in 1969. [1]
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