Indian Overseas Bank

    IOB
    Banking
    ₹33.07
    price as of 11/9/2026, 5:28:10 pm

    Market cap ₹63,682 Cr

    P/E
    11.10
    Day range
    ₹32.54 – ₹33.14
    52-week range
    ₹31.20 – ₹41.80
    Volume
    19.26 L
    Open
    ₹32.70
    Prev close
    ₹32.86
    Promoters pledged 0.4% of their shares
    52-week range, adjusted for splits and bonuses
    ₹31.2₹41.8
    30 Mar 202623 Oct 2025
    Index membership
    NIFTY 500NIFTY SMALLCAP 250NIFTY PSU BANK

    Price history

    6M change -1.46%RSI (14) 47.3 NeutralSMA 20 · 50 overlaid

    Price & delivery on the exchange

    NSE bhavcopy to 11 Sept 2026 · delivery 55.5% today vs 43.4% average · BSE close ₹33.13

    1 Apr23 Apr15 May5 Jun24 Jun15 Jul3 Aug21 Aug11 Sept₹30₹32₹34₹36₹380%25%50%75%100%
    • Delivery
    • NSE close
    • BSE close

    High delivery with a rising price suggests buyers holding rather than trading the move.

    Key metrics

    P/E (TTM)
    10.3
    EPS (TTM)
    ₹3.18
    ROE (FY26)
    15.7%

    Charts & trends

    From company filings. Amounts in ₹ crore.

    Revenue 3Y CAGR
    +18.0%
    Profit 3Y CAGR
    +37.1%
    Revenue YoY (Jun 2026)
    +18.8%
    Profit YoY (Jun 2026)
    +45.7%
    Net margin
    19.5%

    Revenue, profit & margin - quarterly

    Bars in ₹ crore (a loss shows red); line is operating margin

    Sep 2023Mar 2024Sep 2024Mar 2025Sep 2025Jun 20260 Cr2.5K Cr5.0K Cr7.5K Cr10.0K Cr
    • Revenue
    • Net profit
    • Operating margin

    Who owns the company

    Shareholding as of Jun 2026

    • Promoter
    • DII
    • Public
    • FII

    Cash flows

    Where cash came from and went, by fiscal year (₹ crore)

    Mar 2002Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026-18.0KCr-12.0KCr-6.0K Cr0 Cr6.0K Cr
    • Operating
    • Investing
    • Financing
    • Free cash flow

    Return on equity

    Net profit over shareholders' equity, by fiscal year

    FY21FY22FY23FY24FY25FY260%4%8%12%16%15%

    Equity vs debt

    Shareholders' equity against borrowings (₹ crore); line is debt-to-equity

    Mar 2002Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 20260 Cr15.0K Cr30.0K Cr45.0K Cr60.0K Cr0.0x0.3x0.7x1.1x1.4x
    • Equity
    • Debt
    • Debt / equity

    Financial statements

    ₹ Crore
    Quarterly results, oldest period first, figures in rupees crore
    Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
    Revenue5,8256,1806,6346,5396,8547,1167,6357,3877,8518,1728,4898,778
    Interest3,4773,7803,8684,0964,3154,3244,5104,6394,7904,8745,0195,090
    Expenses2,8292,5834,0492,7383,1912,8523,1522,7142,6983,4303,1023,989
    Financing Profit-481-183-1,283-295-652-60-2734364-132368-301
    Financing Margin %-8%-3%-19%-5%-10%-1%0%0%5%-2%4%-3%
    Other Income1,1171,2632,4791,0331,6341,2981,5811,4801,3651,4991,2912,160
    Depreciation000000000000
    Profit before tax6361,0801,1967399821,2381,5541,5151,7291,3671,6591,859
    Tax %1%33%32%14%21%29%32%27%29%0%9%11%
    Net Profit6277248106497808751,0921,1781,2591,4271,5561,716
    EPS in Rs₹0.33₹0.38₹0.43₹0.34₹0.41₹0.46₹0.57₹0.61₹0.65₹0.74₹0.81₹0.89

    From company filings, updated 11 Sept 2026. Consolidated figures where the company reports them.Information only, not investment advice.

    Strengths, risks & growth

    Indian Overseas Bank was founded in 1937 by Chidambaram Chettyar. It was one of the 14 major banks that were nationalized in 1969. [1]

    Strengths

    • Company has delivered good profit growth of 48.2% CAGR over last 5 years

    Risks

    • Though the company is reporting repeated profits, it is not paying out dividend
    • Company has low interest coverage ratio.
    • Company has a low return on equity of 12.6% over last 3 years.
    • Contingent liabilities of Rs.1,71,517 Cr.
    • Company might be capitalizing the interest cost

    Compounded Sales Growth

    10 Years
    —
    5 Years
    +13%
    3 Years
    +18%
    TTM
    +15%

    Compounded Profit Growth

    10 Years
    —
    5 Years
    +48%
    3 Years
    +37%
    TTM
    +52%

    Stock Price CAGR

    10 Years
    +2%
    5 Years
    +11%
    3 Years
    +1%
    1 Year
    -16%

    Return on Equity

    10 Years
    —
    5 Years
    +11%
    3 Years
    +13%
    Last Year
    +16%

    Strengths and risks are a machine-generated checklist, not advice; growth is compounded annually over each period.

    Shareholding pattern

    Percentage of shares held by each category at each quarter end
    HolderSept 2025Dec 2025Mar 2026Jun 2026Change
    Promoter94.61%92.44%92.44%92.44%0.00 pp
    FII0.31%0.35%0.43%0.47%+0.04 pp
    DII2.30%4.26%4.28%4.29%+0.01 pp
    Public2.78%2.93%2.85%2.80%-0.05 pp

    Filed with NSE for Jun 2026: promoters 92.44%, public 7.56% · XBRL filing

    Analysts & fund holdings

    Valuation vs Banks
    P/E11.1 vs 16.6
    Sector P/B2.14
    Beta0.83

    Who holds the shares, quarter by quarter

    Mutual funds 0.24% (+0.02 pp)
    Mar 25
    Jun 25
    Sept 25
    Dec 25
    Mar 26
    Jun 26
    • Promoters92.4%
    • Foreign institutions0.5%
    • Mutual funds0.2%
    • Insurance3.7%
    • Other domestic institutions0.3%
    • Retail1.8%
    • Others1.0%
    Mutual funds holding the most
    Fund% of company% of fund3-month change
    Nippon India Nifty Smallcap 250 Index Fund0.01%0.21%-0.02 pp
    SBI BSE PSU Bank Index Fund0.01%1.37%-0.06 pp
    SBI Nifty Smallcap 250 Index Fund0.01%0.21%-0.02 pp
    Motilal Oswal Nifty Smallcap 250 Index Fund0.01%0.23%-0.03 pp
    ICICI Pru Nifty Smallcap 250 Index Fund0.00%0.21%-0.02 pp

    Scorecard

    Performance
    Low
    Valuation
    High
    Growth
    Avg
    Profitability
    High
    Entry point
    Avg
    Red flags
    Low

    Analyst coverage, holdings and scorecard from market data; not a recommendation by Parasram India.

    Corporate actions

    • other
      Not available — not reported in this filing

      Annual General Meeting

      25 Jun 2024
      ex-date
    • other
      Not available — not reported in this filing

      Annual General Meeting

      30 Jun 2023
      ex-date
    • other
      Not available — not reported in this filing

      Annual General Meeting

      7 Jul 2022
      ex-date
    • other
      Not available — not reported in this filing

      Annual General Meeting

      29 Jul 2021
      ex-date
    • other
      Not available — not reported in this filing

      Annual General Meeting

      14 Aug 2020
      ex-date
    • other
      Not available — not reported in this filing

      Annual General Meeting

      2 Jul 2019
      ex-date
    • other
      Not available — not reported in this filing

      Annual General Meeting

      2 Jul 2018
      ex-date
    • other
      Not available — not reported in this filing

      Annual General Meeting

      19 Jun 2017
      ex-date
    • other
      Not available — not reported in this filing

      Annual General Meeting

      8 Jul 2016
      ex-date
    • other
      Not available — not reported in this filing

      Annual General Meeting

      22 Jun 2015
      ex-date
    • dividend
      Not available — not reported in this filing

      Annual General Meeting / Final Dividend - Re 0.50/- Per Share

      19 Jun 2014
      ex-date
    • dividend
      Not available — not reported in this filing

      Interim Dividend - Re 0.70/- Per Share

      10 Feb 2014
      ex-date
    • dividend
      ₹2.00

      Final Dividend Rs.2/- Per Equity Share

      20 Jun 2013
      ex-date
    • dividend
      ₹4.50

      Annual General Meeting And Dividend Rs.4.50 Per Share

      21 Jun 2012
      ex-date
    • dividend
      ₹5.00

      Dividend-Rs.5/- Per Share

      4 Jul 2011
      ex-date
    • dividend
      ₹3.50

      Dividend-Rs.3.50 Pr Share

      26 May 2010
      ex-date
    • other
      Not available — not reported in this filing

      Agm/Div-Rs.4.50 Per Share

      21 May 2009
      ex-date
    • other
      Not available — not reported in this filing

      Egm

      16 Oct 2008
      ex-date
    • dividend
      Not available — not reported in this filing

      Agm/Dividend - 35% Purpose Revised

      5 May 2008
      ex-date
    • dividend
      Not available — not reported in this filing

      Agm/Dividend-30%

      7 May 2007
      ex-date

    Insider trades

    Last 12 months, market trades
    Net selling ₹418 Cr
    0 buys · ₹0
    1 sells · ₹418 Cr
    Latest insider trades disclosed to NSE
    PersonTypeSharesValueDisclosed
    President of India acting through Department of Financial Services
    Promoters · Market Sale
    		Sell41,78,38,271₹418 Cr20 Dec 2025

    Disclosures filed with NSE under SEBI (Prohibition of Insider Trading) Regulations. Pledges and releases are not trades and are not counted above.

    Company announcements

    Corp Action
    Announcement under Regulation 30 (LODR)-Interest Rates Updates

    Change in MCLR w.e.f. 15.08.2026

    Company UpdatePrice-sensitive
    Announcement under Regulation 30 (LODR)-Credit Rating

    Rating Upgrade by CARE Credit Rating Agency

    Filed with BSE (scrip 532388); the last 45 days. Documents open at bseindia.com.

    SEBI filings & orders

    From SEBI's website. An order may concern the company, its officers or trading in its shares, and may be under appeal - read the order itself. Personal identifiers are withheld.

    Regulatory orders

    • Adjudication order

      Adjudication Order in respect of Indian Overseas Bank Limited

      23 Jan 2018
      Read on SEBI

    Documents

    Annual reports

    Earnings calls

    Credit ratings

    Documents open at BSE or the rating agency that issued them.