IOB Postpones Q4 FY26 Earnings Call, Shifts to In-Person Mumbai Format

Indian Overseas Bank has announced the postponement of its earnings call originally scheduled for April 29, 2026, to discuss audited financial results for the fourth quarter and full year ended March 31, 2026. The bank has decided to shift the format from virtual to an in-person meeting in Mumbai, with revised details to be communicated shortly.

Board Meeting Details

The bank's Board of Directors remains scheduled to convene on April 29, 2026, in Chennai to deliberate on critical financial matters. The meeting agenda encompasses comprehensive review of the bank's performance metrics and financial position.

Meeting Parameter:	Details
Date:	April 29, 2026
Venue:	Chennai
Purpose:	Audited Financial Results Review
Reporting Period:	Quarter and Year ended March 31, 2026
Result Type:	Standalone and Consolidated

Earnings Call Postponement

In a communication dated April 24, 2026, under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the bank announced the postponement of its earnings call. The original virtual conference scheduled for April 29, 2026, at 5:00 PM IST has been deferred.

Original Schedule:	Details
Original Date:	Wednesday, April 29, 2026
Original Time:	5:00 PM IST
Original Mode:	Virtual Conference
New Format:	In-Person Meeting
New Venue:	Mumbai
Status:	Revised details to be announced

Management and Regulatory Compliance

The bank's senior management team, including Mr. Ajay Kumar Srivastava (MD & CEO), Mr. Joydeep Dutta Roy (Executive Director), and Mr. Dhanaraj T (Executive Director), will participate in the rescheduled earnings call to discuss financial performance.

Compliance Aspect:	Timeline
Trading Window Closure Start:	April 1, 2026
Trading Window Closure End:	May 1, 2026
Applicable Persons:	Designated Persons and Immediate Relatives
Regulatory Framework:	SEBI Insider Trading Regulations 2015

Company Overview

Indian Overseas Bank, founded on February 10, 1937, and nationalized in 1969, operates 3,494 branches with approximately 3,651 ATMs across India and in four countries: Singapore, Hong Kong, Thailand, and Sri Lanka. The bank serves more than 41.00 million active customers and reported an operating profit of ₹2,603.00 crores and net profit of ₹1,365.00 crores for the quarter ended December 31, 2025.

1 Day	5 Days	1 Month	6 Months	1 Year	5 Years
-0.37%	+0.23%	+9.03%	-12.80%	-9.72%	+120.19%

Indian Overseas Bank has announced a selective reduction in its Marginal Cost of Funds based Lending Rate (MCLR) effective from April 15, 2026. The decision was taken by the bank's Asset Liability Management Committee (ALCO) during its meeting held on April 13, 2026, following a comprehensive review of MCLR workings as on April 10, 2026.

Rate Reduction Details

The bank has decided to reduce three specific MCLR tenors by 5 basis points each. The overnight MCLR will be lowered from 7.95% to 7.90%, while both the 1-year and 2-year MCLR rates will be reduced from 8.80% to 8.75%. This marks a strategic move to adjust lending rates in response to current market conditions.

Complete MCLR Structure

The revised MCLR rates across all tenors are detailed below:

Tenor:	Existing MCLR (%) w.e.f 15.03.2026	Change	Revised MCLR (%) w.e.f 15.04.2026
Overnight MCLR:	7.95	(-) 5 bps	7.90
One-Month MCLR:	8.20	No Change	8.20
Three-Month MCLR:	8.40	No Change	8.40
Six-Month MCLR:	8.65	No Change	8.65
One Year MCLR:	8.80	(-) 5 bps	8.75
Two Year MCLR:	8.80	(-) 5 bps	8.75
Three Year MCLR:	8.85	No Change	8.85

Unchanged Rates

While three tenors witnessed reductions, the bank has maintained stability in other MCLR rates. The one-month MCLR remains at 8.20%, three-month at 8.40%, six-month at 8.65%, and three-year at 8.85%. This selective approach indicates the bank's measured response to market dynamics while maintaining profitability across different lending segments.

Implementation Timeline

The revised MCLR rates will become effective from April 15, 2026, and will remain in force until the next review by the Asset Liability Management Committee. The bank has communicated this change to stock exchanges as part of its regulatory compliance under Regulation 30 of SEBI (LODR) Regulations, 2015. Borrowers with loans linked to the affected MCLR tenors will benefit from the reduced rates, potentially leading to lower EMIs for existing customers and more competitive rates for new borrowers.