| 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
33.96
+0.02
(0.06%)
Market Cap
₹65,395.38 Cr
PE Ratio
14.83
Volume
48,45,509.00
Day High - Low
₹34.07 - ₹33.84
52W High-Low
₹54.54 - ₹33.50
Key Fundamentals
Market Cap
65,395.38 Cr
EPS
1.76
PB Ratio
2.12
Book Value
16.02
EBITDA
4,967.70
Dividend Yield
0.00 %
Industry
Banks Sector
Public Sector Bank Return on Equity
10.53
Debt to Equity
0.00
Actual
Company News
View All News
Indian Overseas Bank received USD 25.72 million as interim distribution from liquidation of India International Bank (Malaysia) Bhd, representing its 35% stake in the joint venture.
Government of India files mandatory Regulation 29 disclosure with stock exchanges confirming completion of Indian Overseas Bank OFS transaction involving 417.84 million shares sold on December 17-18, 2025.
Indian Overseas Bank reduces MCLR by 5 basis points across multiple tenors and cuts External Benchmark Lending Rate by 25 basis points following RBI's repo rate reduction, effective December 15, 2025.
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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 |
|---|---|---|---|---|---|---|---|---|
969.05 | #1 8,94,493.00 | 10.70 | #1 6,63,343.30 | 11.57 | #1 79,017 | 6.30 | 55.42 | |
290.85 | 1,50,409.07 | 7.79 | 1,52,884.10 | 7.83 | 20,459 | -4.15 | 57.45 | |
121.12 | 1,39,202.53 | 8.12 | 1,40,456.80 | 14.76 | 18,553 | 8.05 | 52.55 | |
149.75 | 1,35,833.00 | 7.79 | 1,52,657.90 | 9.70 | 17,336 | 15.84 | 59.03 | |
150.93 | 1,15,214.01 | #1 6.29 | 1,29,979.30 | 9.98 | 17,921 | -6.84 | 51.45 | |
777.25 | 1,04,692.78 | 9.35 | 72,050.90 | 12.17 | 10,995 | 10.99 | 40.04 | |
33.96 | #7 65,395.38 | #10 14.83 | #8 33,750.30 | #5 13.52 | #9 3,396 | #1 61.47 | 22.16 | |
139.94 | 63,710.03 | 6.65 | 80,412.40 | 19.47 | 9,552 | 6.36 | 47.92 | |
57.29 | 44,064.92 | 7.30 | 28,402.60 | #1 20.90 | 5,542 | 25.20 | 50.96 | |
28.83 | 36,151.55 | 14.64 | 29,473.50 | 17.33 | 2,445 | 23.76 | 38.68 |
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 |
|---|---|---|---|---|---|
| 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 |
| 20 Nov 2025 |  Extraordinary General Meeting | NA | 20 Nov 2025 | 38.20 | 40.08 |
Announcements
Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011
4 days ago
4 days agoDisclosure Under Regulation 30 Of SEBI (LODR) Regulations 20154 days ago
4 days agoDisclosure Under Regulation 7(2)(B) Of The SEBI (Prohibition Of Insider Trading) Regulations 20154 days ago
4 days agoUpdates on Notice of Offer for Sale of Shares by Promoter (Oversubscription Notice)6 days ago
6 days agoNotice of Offer for Sale of Shares by Promoter & Floor Price7 days ago
7 days agoAnnouncement under Regulation 30 (LODR)-Interest Rates UpdatesDec 11, 2025
Dec 11, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateDec 03, 2025
Dec 03, 2025Announcement under Regulation 30 (LODR)-Investor PresentationNov 28, 2025
Nov 28, 2025Intimation Regarding Order Of Refund Received From Income Tax DepartmentNov 25, 2025
Nov 25, 2025Newspaper Publication On Election Of Shareholder Director And Cancellation Of Extraordinary General Meeting Held On 20.11.2025Nov 06, 2025
Nov 06, 2025Cancellation Of Extraordinary General Meeting Of The Bank Scheduled On 20.11.2025Nov 05, 2025
Nov 05, 2025Election Of Shareholder Director Of The BankNov 05, 2025
Nov 05, 2025Change In Senior Management- SuperannuationOct 31, 2025
Oct 31, 2025Announcement 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, 2025Mutual Fund Holdings
SBI BSE PSU Bank Index Fund Direct - Growth 
Motilal Oswal Nifty Midcap 150 Index Fund Direct - Growth 
Nippon India 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 
JioBlackRock 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 
Kotak Nifty Midcap 150 Index Fund Direct - Growth 
Edelweiss NIFTY Large Mid Cap 250 Index Fund Direct - Growth 
Groww Nifty Total Market 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 
Angel One Nifty Total Market Index Fund Direct - Growth Technical Indicators
RSI(14)
Neutral 22.16
ATR(14)
Less Volatile 0.84
STOCH(9,6)
Oversold 9.71
STOCH RSI(14)
Oversold 4.40
MACD(12,26)
Bearish -0.32
ADX(14)
Strong Trend 26.83
UO(9)
Bullish 25.83
ROC(12)
Downtrend And Accelerating -10.16
WillR(14)
Oversold -97.01
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,
9 days)
Website
Chairperson NameSrinivasan Sridhar
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