| Quarterly Financials | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
Revenue  | 5,160 | 5,093 | 5,319 | 5,721 | 5,031 | 5,854 | 6,008 | 6,631 | 6,234 | 6,942 | 7,443 | 9,113 | 7,572 | 8,488 | 8,415 | 9,216 | 8,868 | 9,216 |
| Expenses | 2,257 | 2,088 | 2,234 | 2,516 | 1,953 | 2,585 | 2,664 | 2,822 | 2,621 | 2,829 | 2,583 | 4,049 | 2,738 | 3,191 | 2,852 | 3,152 | 2,714 | 2,698 |
| EBITDA | 337 | 383 | 459 | 600 | 397 | 505 | 560 | 891 | 511 | 636 | 1,080 | 1,196 | 739 | 982 | 1,239 | 1,554 | 1,515 | 1,729 |
| Operating Profit % | 44 % | 51 % | 47 % | 40 % | 56 % | 45 % | 47 % | 46 % | 52 % | 51 % | 58 % | 39 % | 58 % | 53 % | 60 % | 59 % | 63 % | 66 % |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 2,567 | 2,622 | 2,626 | 2,605 | 2,681 | 2,764 | 2,784 | 2,917 | 3,102 | 3,477 | 3,780 | 3,868 | 4,096 | 4,315 | 4,324 | 4,510 | 4,639 | 4,790 |
| Profit Before Tax | 337 | 383 | 459 | 600 | 397 | 505 | 560 | 891 | 511 | 636 | 1,080 | 1,196 | 739 | 982 | 1,239 | 1,554 | 1,515 | 1,729 |
| Tax | 7 | 7 | 8 | 48 | 4 | 5 | 5 | 236 | 7 | 8 | 356 | 386 | 90 | 202 | 364 | 462 | 336 | 470 |
| Net Profit | 330 | 377 | 451 | 552 | 393 | 500 | 555 | 656 | 504 | 627 | 724 | 810 | 649 | 780 | 875 | 1,092 | 1,178 | 1,259 |
| EPS in ₹ | 0.17 | 0.20 | 0.24 | 0.29 | 0.21 | 0.26 | 0.29 | 0.35 | 0.27 | 0.33 | 0.38 | 0.43 | 0.34 | 0.41 | 0.46 | 0.58 | 0.61 | 0.65 |
Indian Overseas Bank
Indian Overseas Bank
39.59
+0.87
(2.25%)
Key Fundamentals
Market Cap
76,236.80 Cr
EPS
1.76
PE Ratio
17.28
Dividend Yield
0.00 %
Industry
Banks 52 Week High
59.94
52 Week Low
33.50
PB Ratio
2.47
Debt to Equity
0.00
Sector
Public Sector Bank Actual
Company News
View All News
Indian Overseas Bank Partners with NPST to Launch Voice-Based UPI 123Pay for Feature Phone Users
2 days ago
2 days agoIndian Overseas Bank has selected Network People Services Technologies Limited (NPST) to deploy UPI 123Pay, a voice-based payment system targeting 850 million Indians who haven't adopted conventional UPI. The system addresses 400 million feature-phone users and smartphone users uncomfortable with digital interfaces. Users make payments by giving a missed call to receive an IVR callback, then input transaction amounts and UPI PINs through voice or keypad prompts. The system operates without internet connectivity, supports 12 Indian languages, and offers features including balance checks, transaction history, dispute resolution, and UPI PIN management. NPST Chairman Deepak Chand Thakur described the initiative as a transformative step toward inclusive digital economy and indicated future plans to integrate with AI platforms like Alexa and Google Assistant.
Indian Overseas Bank Cancels Shareholder Meeting as Single Nominee Deemed Elected as Director4 days ago
4 days agoIndian Overseas Bank has cancelled its Extraordinary General Meeting scheduled for November 20, 2025, after receiving only one valid nomination for the shareholder director position. Shri G. Venkataramanan, a 60-year-old insurance professional with over 35 years of experience, has been deemed elected as Shareholder Director. The Bank's Nomination and Remuneration Committee found his nomination to be fit and proper as per RBI Master Directions. Venkataramanan will assume office from December 3, 2025, and hold the position until December 2, 2028. He previously served as Zonal Manager In-Charge of the South Zone at Life Insurance Corporation of India before superannuating in July 2025. The e-voting process scheduled from November 17-19, 2025, has also been cancelled since the election was the only agenda item.
Indian Overseas Bank Reports Record Net Profit of ₹1,226 Crores in Q2 FY26, Up 57.79% YoYOct 22, 2025
Oct 22, 2025Indian Overseas Bank achieved an all-time high net profit of ₹1,226 crores for the quarter ended September 30, 2025, marking a 57.79% year-on-year increase from ₹777 crores in the same period last year. The bank reported strong business growth with total business mix reaching ₹617,034 crores, up 14.1% year-on-year. Credit growth was robust at 20.78% year-on-year, reaching ₹277,968 crores, while deposits grew 9.15% to ₹339,066 crores. Asset quality improved significantly with gross NPA ratio declining to 1.83% from 2.72% year-on-year, and net NPA ratio dropping to 0.28% from 0.47%. The bank maintained a strong capital adequacy ratio of 17.94% against the regulatory requirement of 11.5%. Net interest margin expanded to 3.21% from 3.08% year-on-year, while cost-to-income ratio improved to 45.76%. The bank operates through 3,373 branches and serves over 42 million customers across India and international locations. Management indicated comfortable achievement of 17-18% credit growth against their 12% guidance and plans to open approximately 240 new branches.
View more
Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
955.85 | #1 8,82,308.60 | 10.52 | #1 6,63,343.30 | 11.57 | #1 79,017 | 6.30 | 76.27 | |
289.05 | 1,49,478.20 | 7.71 | 1,52,884.10 | 7.83 | 20,459 | -4.15 | 69.74 | |
122.38 | 1,40,650.60 | 8.22 | 1,40,456.80 | 14.76 | 18,553 | 8.05 | 62.57 | |
140.67 | 1,27,596.90 | 7.29 | 1,52,657.90 | 9.70 | 17,336 | 15.84 | 76.21 | |
873.95 | 1,17,717.90 | 10.43 | 72,050.90 | 12.17 | 10,995 | 10.99 | 76.70 | |
153.30 | 1,17,023.20 | #1 6.33 | 1,29,979.30 | 9.98 | 17,921 | -6.84 | 67.81 | |
39.59 | #7 76,236.80 | #10 17.28 | #8 33,750.30 | #5 13.52 | #9 3,396 | #1 61.47 | 49.18 | |
144.58 | 65,822.50 | 6.82 | 80,412.40 | 19.47 | 9,552 | 6.36 | 72.56 | |
59.62 | 45,857.10 | 7.54 | 28,402.60 | #1 20.90 | 5,542 | 25.20 | 55.97 | |
32.52 | 40,778.60 | 16.52 | 29,473.50 | 17.33 | 2,445 | 23.76 | 55.66 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
13.52 %
Net Income Growth
27.38 %
Cash Flow Change
353.77 %
ROE
8.89 %
ROCE
10.16 %
EBITDA Margin (Avg.)
8.79 %
Quarterly Financial Results
Balance Sheet
| Balance Sheet | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 2,74,229 | 2,99,030 | 3,13,438 | 3,51,869 | 3,94,708 |
| Fixed Assets | 2,918 | 3,366 | 3,711 | 3,726 | 4,581 |
| Current Assets | 48,084 | 53,770 | 38,017 | 35,605 | 33,910 |
| Capital Work in Progress | 1 | 0 | 0 | 15 | 74 |
| Investments | 95,485 | 97,641 | 93,643 | 99,194 | 1,10,588 |
| Other Assets | 1,75,826 | 1,98,023 | 2,16,085 | 2,48,935 | 2,79,465 |
| Total Liabilities | 2,74,229 | 2,99,030 | 3,13,438 | 3,51,869 | 3,94,708 |
| Current Liabilities | 13,106 | 11,148 | 6,785 | 7,799 | 8,308 |
| Non Current Liabilities | 2,61,123 | 2,87,882 | 3,06,653 | 3,44,070 | 3,86,400 |
| Total Equity | 17,099 | 22,598 | 24,876 | 27,561 | 32,233 |
| Reserve & Surplus | 452 | 3,695 | 5,974 | 8,659 | 12,977 |
| Share Capital | 16,647 | 18,902 | 18,902 | 18,902 | 19,257 |
Cash Flow
| Cash Flow | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | 6,716 | 5,969 | -16,130 | -2,006 | 2,405 |
| Investing Activities | -46 | -49 | -560 | -359 | -579 |
| Operating Activities | 4,949 | 5,539 | -13,655 | -1,119 | 2,840 |
| Financing Activities | 1,813 | 479 | -1,916 | -528 | 144 |
Share Holding
| % Holding | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
| Promoter | 95.84 % | 96.38 % | 96.38 % | 96.38 % | 96.38 % | 96.38 % | 96.38 % | 96.38 % | 96.38 % | 96.38 % | 96.38 % | 96.38 % | 96.38 % | 96.38 % | 96.38 % | 96.38 % | 94.61 % | 94.61 % | 94.61 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.05 % | 0.05 % | 0.03 % | 0.02 % | 0.22 % | 0.08 % | 0.31 % |
| DIIs | 1.59 % | 1.37 % | 1.30 % | 1.30 % | 1.31 % | 1.33 % | 0.13 % | 1.37 % | 1.36 % | 1.34 % | 0.13 % | 1.29 % | 1.29 % | 1.30 % | 1.30 % | 1.30 % | 2.59 % | 2.37 % | 2.30 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 1.65 % | 1.43 % | 1.57 % | 1.62 % | 1.61 % | 1.61 % | 1.61 % | 1.62 % | 1.62 % | 1.69 % | 1.71 % | 1.86 % | 1.90 % | 1.90 % | 1.93 % | 1.95 % | 1.92 % | 2.38 % | 2.29 % |
| Others | 0.93 % | 0.82 % | 0.74 % | 0.70 % | 0.70 % | 0.67 % | 1.87 % | 0.63 % | 0.63 % | 0.59 % | 1.77 % | 0.47 % | 0.38 % | 0.37 % | 0.36 % | 0.35 % | 0.66 % | 0.56 % | 0.49 % |
| No of Share Holders | 3,78,586 | 3,80,710 | 4,44,068 | 4,71,872 | 4,73,897 | 4,74,939 | 4,71,356 | 5,11,642 | 5,09,599 | 5,10,387 | 6,68,177 | 7,27,348 | 10,06,180 | 9,96,568 | 9,77,592 | 9,77,917 | 9,77,877 | 10,08,130 | 9,88,551 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 20 Nov 2025 |  Extraordinary General Meeting | NA | 20 Nov 2025 | 38.20 | 39.57 |
| 02 Jul 2024 |  Annual General Meeting | NA | 02 Jul 2024 | 67.28 | 63.68 |
| 17 Oct 2024 |  Quarterly Result Announcement | NA | 17 Oct 2024 | 54.89 | 54.61 |
| 20 Jan 2025 | Quarterly Result Announcement | NA | 20 Jan 2025 | 54.11 | 50.64 |
| 02 May 2025 | Quarterly Result Announcement | NA | 02 May 2025 | 38.74 | 37.53 |
| 02 Jul 2025 | Annual General Meeting | NA | 02 Jul 2025 | 40.72 | 39.93 |
| 18 Jul 2025 | Quarterly Result Announcement | NA | 18 Jul 2025 | 38.88 | 39.84 |
| 16 Oct 2025 | Quarterly Result Announcement | NA | 16 Oct 2025 | 40.22 | 40.23 |
Announcements
Newspaper Publication On Election Of Shareholder Director And Cancellation Of Extraordinary General Meeting Held On 20.11.20253 days ago
3 days agoCancellation Of Extraordinary General Meeting Of The Bank Scheduled On 20.11.20254 days ago
4 days agoElection Of Shareholder Director Of The Bank4 days ago
4 days agoChange In Senior Management- Superannuation9 days ago
9 days agoAnnouncement under Regulation 30 (LODR)-Earnings Call TranscriptOct 22, 2025
Oct 22, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationOct 19, 2025
Oct 19, 2025Notice Of Extraordinary Shareholders Meeting Of The Bank Scheduled For 20.11.2025Oct 18, 2025
Oct 18, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationOct 17, 2025
Oct 17, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeOct 16, 2025
Oct 16, 2025Announcement under Regulation 30 (LODR)-Investor PresentationOct 16, 2025
Oct 16, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseOct 16, 2025
Oct 16, 2025Statement Of Deviation And Variation As On 30.09.2025Oct 16, 2025
Oct 16, 2025Compliances-Reg. 54 - Asset Cover details Oct 16, 2025
Oct 16, 2025Board Meeting Outcome for Unaudited Financial Results For The Quarter And Half Year Ended 30.09.2025Oct 16, 2025
Oct 16, 2025Unaudited Financial Results For The Quarter And Half Year Ended 30.09.2025Oct 16, 2025
Oct 16, 2025Announcement under Regulation 30 (LODR)-Change in RTAOct 15, 2025
Oct 15, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 13, 2025
Oct 13, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 11, 2025
Oct 11, 2025Board Meeting Intimation for Intimation Of Board Meeting To Consider Unaudited (Reviewed) Financial Results For The Quarter And Half-Year Ended
30Th September 2025
Oct 11, 2025
Oct 11, 2025Compliances-Half Yearly Communication - Debt Instruments Oct 07, 2025
Oct 07, 2025Clarification Sought By NSE On Our Disclosure Dated 30.09.2025Oct 03, 2025
Oct 03, 2025Announcement Under Regulation 30Sep 30, 2025
Sep 30, 2025Extraordinary General Meeting Of The Bank Scheduled For 20.11.2025Sep 29, 2025
Sep 29, 2025Closure of Trading WindowSep 26, 2025
Sep 26, 2025Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD Sep 24, 2025
Sep 24, 2025Extension Of Tenure Of Executive Director Shri Joydeep Dutta RoySep 16, 2025
Sep 16, 2025Announcement under Regulation 30 (LODR)-Interest Rates UpdatesSep 11, 2025
Sep 11, 2025Extension Of Tenure Of MD & CEO Of The BankSep 08, 2025
Sep 08, 2025Announcement under Regulation 30 (LODR)-Interest Rates UpdatesAug 11, 2025
Aug 11, 2025Transcript Of Analyst Meet Held On 29.07.2025Aug 05, 2025
Aug 05, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 29, 2025
Jul 29, 2025Clarification Sought By NSE On Our Disclosure Dated 22.07.2025Jul 25, 2025
Jul 25, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 23, 2025
Jul 23, 2025Announcement Under Regulation 30Jul 22, 2025
Jul 22, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 19, 2025
Jul 19, 2025Order Of Refund Received From Income-Tax DepartmentJul 19, 2025
Jul 19, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJul 18, 2025
Jul 18, 2025Announcement under Regulation 30 (LODR)-Investor PresentationJul 18, 2025
Jul 18, 2025Compliances-Reg. 54 - Asset Cover details Jul 18, 2025
Jul 18, 2025Security Cover Certificate 30.06.2025Jul 18, 2025
Jul 18, 2025Statement Of Deviation And Variation For Quarter Ended 30.06.2025Jul 18, 2025
Jul 18, 2025Board Meeting Outcome for Unaudited Financial Results For The Quarter Ended 30.06.2025Jul 18, 2025
Jul 18, 2025Unaudited Financial Results For The Quarter Ended 30.06.2025Jul 18, 2025
Jul 18, 2025Announcement under Regulation 30 (LODR)-Interest Rates UpdatesJul 14, 2025
Jul 14, 2025Board Meeting Intimation for Considering Unaudited Financial Results For The Quarter Endd 30.06.2025Jul 13, 2025
Jul 13, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 13, 2025
Jul 13, 2025Appointment Of Secretarial Auditor Of The BankJul 02, 2025
Jul 02, 2025Appointment Of Secretarial Auditor Of The BankJul 02, 2025
Jul 02, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportJul 02, 2025
Jul 02, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMJul 02, 2025
Jul 02, 2025Mutual Fund Holdings
Nippon India Nifty Midcap 150 Index Fund Direct - Growth 
SBI Nifty Midcap 150 Index Fund Direct - Growth 
ICICI Prudential Nifty Midcap 150 Index Fund Direct - Growth 
Zerodha Nifty Large Midcap 250 Index Fund Direct - Growth 
HDFC NIFTY Midcap 150 Index Fund Direct - Growth 
Aditya Birla Sun Life Nifty Midcap 150 Index Fund Direct-Growth 
Navi Nifty Midcap 150 Index Fund Direct - Growth 
Edelweiss NIFTY Large Mid Cap 250 Index Fund Direct - Growth 
Kotak BSE PSU Index Fund Direct-Growth 
JioBlackRock Nifty Midcap 150 Index Fund Direct-Growth 
Motilal Oswal Nifty Midcap 150 Index Fund Direct - Growth 
Groww Nifty Total Market Index Fund Direct - Growth 
Axis Nifty 500 Index Fund Direct-Growth 
Bandhan Nifty Midcap 150 Index Fund Direct-Growth 
Mirae Asset Nifty LargeMidcap 250 Index Fund Direct-Growth 
Baroda BNP Paribas Nifty Midcap 150 Index Fund Direct-Growth Technical Indicators
RSI(14)
Neutral 49.18
ATR(14)
Volatile 1.22
STOCH(9,6)
Neutral 32.20
STOCH RSI(14)
Oversold 19.12
MACD(12,26)
Bearish -0.12
ADX(14)
Weak Trend 21.09
UO(9)
Bearish 36.90
ROC(12)
Downtrend And Accelerating -1.42
WillR(14)
Neutral -58.31
About Indian Overseas Bank
Indian Overseas Bank (IOB) is a public sector bank founded in 1937, specializing in foreign exchange and overseas banking. It operates 3,236 domestic branches and 3,506 ATMs across India, with a presence in 4 countries internationally: Singapore, Hong Kong, Thailand, and Sri Lanka. The bank offers various services including NRI services, personal banking, forex services, agricultural business consultancy, credit cards, and ATM banking. IOB has undergone several phases of development, including nationalization in 1969 and expansion of its domestic and international operations. The bank has implemented various technological advancements, including computerization and internet banking. IOB has also engaged in joint ventures and acquisitions to expand its reach and services.
Listing Date
15 Oct, 2003(22 Years,
-5 days)
Website
Chairperson NameSrinivasan Sridhar
we are part of Raise Financial Services
built with love
for indians who love to invest & trade
Market Community
Follow us on
