Indian Overseas Bank

NSE: IOBFinancial Services

Indian Overseas Bank Share Price & Analysis

₹29.02−0.55%Updated 28 Oct 2026, 03:30 pm IST
LTP
₹29.02−0.55%
Open
₹29.07
High
₹29.26
Low
₹28.66
Close
₹29.02
52W High
₹41.30
52W Low
₹28.35
Volume
2940K
Lot Size
1
Sector
Financial Services
Market Cap
₹55K Cr
Face Value
₹10
Large CapNIFTY 500Nifty Smallcap 250

Price Chart

Candle
Range

Fundamentals

P/E
9.27
Sector P/E
33.10
P/B
—
EPS
₹3.09
ROE
15.60%
ROCE
6.12%
D/E Ratio
—
Div Yield
0.00%
Book Value
₹20.20

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

    CompanyCMPMkt CapP/EP/BROE %ROCE %D/E
    HDFCBANK
    HDFC Bank Limited
    ₹685
    ₹10.7L Cr13.31.7513.67.02—
    ICICIBANK
    ICICI Bank Limited
    ₹1,378
    ₹10.0L Cr172.5515.97.18—
    SBIN
    State Bank of India
    ₹957
    ₹8.8L Cr10.51.4215.46.13—
    BAJFINANCE
    Bajaj Finance Limited
    ₹917
    ₹5.8L Cr26.44.6318.210.9—
    LICI
    Life Insurance Corporation Of India
    ₹391
    ₹4.8L Cr8.032.837.835.10
    KOTAKBANK
    Kotak Mahindra Bank Limited
    ₹440
    ₹4.3L Cr20.22.2411.46.98—
    AXISBANK
    Axis Bank Limited
    ₹1,220
    ₹3.8L Cr12.71.6513.16.24—

    Showing 7 peers in the same sector · Sorted by market cap

    Shareholding Pattern

    IOB · as of Mar 2026

    Promoters94.61%1.77pp
    FII0.22%0.20pp
    DII2.59%1.29pp
    Public2.58%0.28pp
    CategoryDec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
    Promoters96.38%96.38%96.38%96.38%96.38%94.61%
    FII0.03%0.05%0.05%0.04%0.02%0.22%
    DII1.29%1.29%1.30%1.30%1.30%2.59%
    Public2.28%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

    Results25 Oct 2026

    To consider and approve the financial results for the period ended Jun 30, 2026

    Results19 Jul 2026

    To consider Capital Plan of the Bank for FY 2026-27

    Event20 May 2026

    To consider and approve the financial results for the period ended March 31, 2026

    Results28 Apr 2026

    Annual General Meeting

    AGM24 Jun 2024

    Annual General Meeting

    AGM29 Jun 2023

    Latest News

    All news

    IOB 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

    NSE Filing2d ago
    High Impact

    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

    NSE Filing2d ago
    High Impact

    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

    NSE Filing31 Jul
    High Impact

    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

    The Economic Times2d ago
    High Impact

    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

    Fortune India2d ago
    High Impact

    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

    TradingView2d ago
    Medium Impact

    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

    NSE Filing2d ago
    Low Impact

    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

    NSE Filing9 Jul
    Low Impact

    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

    NSE Filing8 Jul
    Low Impact

    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

    marketscreener.com29 Apr
    Medium Impact

    Financials

    Quarterly Results

    MetricDec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 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

    MetricMar 2026Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021Mar 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

    ItemMar 2026Sep 2025Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021Mar 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

    ItemMar 2026Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021Mar 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]

    Financial ServicesBanks

    Frequently Asked Questions

    What is Indian Overseas Bank share price today?
    Indian Overseas Bank (IOB) is currently trading at ₹29.02 on NSE, down 0.55% as of the last market session. Prices update daily after market close on MarketNetra.
    Is Indian Overseas Bank available in F&O (Futures & Options)?
    Yes, Indian Overseas Bank (IOB) is part of the NSE F&O segment with a lot size of 1 shares. Options are available with monthly expiry contracts. You can track the full option chain and OI analysis on MarketNetra.
    What is Indian Overseas Bank 52-week high and low?
    Indian Overseas Bank's 52-week high is ₹41.3 and the 52-week low is ₹28.35. The current price of ₹29.02 is 29.7% below the 52W high.
    What is Indian Overseas Bank P/E ratio?
    Indian Overseas Bank's current P/E ratio is 9.27. This indicates the market is paying ₹9.27 for every ₹1 of earnings. Compare this to the sector average to assess relative valuation.
    How to trade Indian Overseas Bank options?
    Indian Overseas Bank options are traded on NSE with monthly expiry contracts (lot size: 1 shares). To trade IOB options: select your expiry on the option chain page, identify key OI strikes, check the PCR and buildup type on OI analysis, and review FII/DII flows for institutional sentiment before taking a position.