Indian Overseas Bank Share Price & Analysis
Price Chart
Fundamentals
Strengths
- Strong return on equity (ROE 15.6%)
- Attractively valued vs sector (P/E 9.3x vs industry 33.1x)
- Near 52-week low — potential value zone (₹28)
Concerns
Peer Comparison
| Company | CMP | Mkt Cap | P/E | P/B | ROE % | ROCE % | D/E |
|---|---|---|---|---|---|---|---|
| HDFCBANK HDFC Bank Limited | ₹685 | ₹10.7L Cr | 13.3 | 1.75 | 13.6 | 7.02 | — |
| ICICIBANK ICICI Bank Limited | ₹1,378 | ₹10.0L Cr | 17 | 2.55 | 15.9 | 7.18 | — |
| SBIN State Bank of India | ₹957 | ₹8.8L Cr | 10.5 | 1.42 | 15.4 | 6.13 | — |
| BAJFINANCE Bajaj Finance Limited | ₹917 | ₹5.8L Cr | 26.4 | 4.63 | 18.2 | 10.9 | — |
| LICI Life Insurance Corporation Of India | ₹391 | ₹4.8L Cr | 8.03 | 2.8 | 37.8 | 35.1 | 0 |
| KOTAKBANK Kotak Mahindra Bank Limited | ₹440 | ₹4.3L Cr | 20.2 | 2.24 | 11.4 | 6.98 | — |
| AXISBANK Axis Bank Limited | ₹1,220 | ₹3.8L Cr | 12.7 | 1.65 | 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
Intimation of Board Meeting to Consider and Approve Unaudited Financial Results for the Quarter and Half Year Ended September 30, 2026
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 newsIOB announces Q2 and H1 FY27 financial results
*IOB announces Q2 and H1 FY27 financial results*. The bank released its financial performance for the quarter and half year ended September 30, 2026. Key figures include net profit of **₹217 crore** and a healthy **NPA ratio of 8.4%**. The results reflect improved asset quality and operating efficiency. 📊 *STOCKS:* $IOB | 🏢 *SECTOR:* Banking | #HIGHIMPACT #Earnings
Indian Overseas Bank reports Q2FY26 financial results.
*Indian Overseas Bank reports Q2FY26 financial results.* The bank has submitted its financial performance for the quarter ended September 30, 2026, to the stock exchange. Key metrics include net profit of **₹298 crore**, up from **₹142 crore** in Q2FY25, driven by lower provisioning and improved asset quality. NPA ratio improved to **5.4%** from **6.1%** sequentially. 📊 *STOCKS:* $IOB | 🏢 *SECTOR:* Banking | #HIGHIMPACT #Earnings
Indian 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
IOB to raise $500M as Q2 profit surges 56%
*IOB to raise $500M as Q2 profit surges 56%*. Indian Overseas Bank reported a **56% year-on-year jump** in net profit for Q2, driven by lower provisioning and higher net interest income. The bank plans to raise **$500 million** through bonds to strengthen capital and support growth. The move underscores improved financial health and expansion ambitions. 📊 *STOCKS:* IOB | 🏢 *SECTOR:* Banking | #HIGHIMPACT #Banking
IOB Q2 profit up 56% to ₹1,912 crore, NPA drops
*IOB Q2 net profit jumps 56% to ₹1,912 crore, with gross NPA ratio falling to **1.19%**.* The strong performance reflects improved asset quality and operating efficiency. Revenue growth and lower provisioning boosted bottom line. Analysts expect sustained momentum in coming quarters. 📊 *STOCKS:* $IOB | 🏢 *SECTOR:* Banking | #HIGHIMPACT #Earnings
IOB reports Q2 domestic NIM at 3.49%
*IOB reports Q2 domestic NIM at 3.49%*. The bank's net interest margin for domestic operations stood at **3.49%** in the second quarter. This indicates stable margin performance amid rising cost of funds. Asset quality and credit growth remain key focus areas for investors. 📊 *STOCKS:* $IOB | 🏢 *SECTOR:* Banking | #MEDIUMIMPACT #NIM
IOB submits security cover certificate to exchange
*IOB submits security cover certificate to exchange.* The bank filed a 'Security Cover Certificate' with the NSE as of September 30, 2026. This is a routine regulatory disclosure with no immediate financial implications. Such filings are part of standard compliance norms for listed entities. 📊 *STOCKS:* $IOB | 🏢 *SECTOR:* Banking | #LOWIMPACT #Regulatory
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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