Indian Overseas Bank has submitted its half-yearly statement of debt securities for the period ended March 31, 2026, to both BSE and NSE. The submission was made on April 7, 2026, in compliance with SEBI Master Circular no. SEBI/HO/DDHS/PoD1/P/CIR/2024/54 dated May 22, 2024, which mandates the filing of half-yearly debt securities statements.

Outstanding Debt Securities Portfolio

The bank's debt securities portfolio comprises four active issuances with a combined outstanding amount of ₹3,165.00 crore. The securities demonstrate a diversified maturity profile spanning from 2029 to 2036.

*Call option available at the end of 5 years (with prior approval of RBI)

Key Features and Terms

All four debt securities carry annual interest payment frequency and maintain their full issued amounts as outstanding, indicating no partial redemptions have occurred. The coupon rates vary significantly across the portfolio, with the highest rate at 9.08% on the 2019 issuance maturing in 2029 and the lowest rate at 7.80% on the most recent 2026 issuance. The largest issuances are ₹1,000.00 crore each for the 2023 and 2026 securities.

Embedded Options and Flexibility

Three of the four securities feature call options that become exercisable at the end of the fifth year from issuance, subject to prior RBI approval. This structure provides the bank with refinancing flexibility while offering investors protection through the initial five-year period. The 2019 issuance does not carry any embedded options.

Regulatory Compliance

The statement was signed by Raghuram Mallela, Deputy General Manager/Company Secretary & Compliance Officer, ensuring proper corporate governance and regulatory adherence. The bank maintains relationships with two debenture trustees - IDBI Trusteeship Services Ltd managing three issuances and SBICAP Trustee Company Limited handling the 2023 issuance.

Indian Overseas Bank has filed its annual disclosure of Non-Convertible Securities for Financial Year 2025-26 with BSE and NSE, complying with SEBI operational circular requirements. The comprehensive disclosure covers the bank's Tier 2 bond portfolio and demonstrates strong credit performance across all outstanding securities.

Outstanding Bond Portfolio

The bank currently has four active Tier 2 bond issues listed on BSE, with a total outstanding value of ₹3,165 crores. The portfolio includes securities issued between 2019 and 2026, showing the bank's consistent access to capital markets.

Credit Rating Performance

All outstanding bonds maintain AA credit ratings from multiple rating agencies, reflecting the bank's strong creditworthiness. The ratings are provided by CRISIL, CARE, IND RT, and ICRA, with outlooks ranging from stable to positive.

Current Rating Status

Interest Payment Performance

The bank has maintained timely interest payments across all securities during FY26. Total interest payments amounted to ₹192.59 crores, with all payments made on their respective due dates.

Interest Payment Details (₹ Crores)

The disclosure confirms no redemption payments were made during the financial year 2025-26, and the bank has no default history on any of its outstanding securities. This filing demonstrates Indian Overseas Bank's commitment to regulatory compliance and transparent investor communication.