Indian Overseas Bank

    IOB
    Banking
    ₹28.68
    Price as of 25 Oct 2026, 10:28 pm IST

    Market cap ₹55,228 Cr

    P/E
    9.37
    Day range
    ₹28.42 – ₹30.10
    52-week range
    ₹28.42 – ₹41.29
    Volume
    45.41 L
    Open
    ₹29.86
    Prev close
    ₹29.86

    Latest results · Q1 FY27(consolidated)Revenue ₹8,778 CrProfit ₹1,659 CrMargin 18.9%YoY vs the same quarter last year

    No red flags in exchange filings: no rising pledge, promoter selling, surveillance or critical filing on record.

    IOB in NSE indices and F&O

    Research profile

    Composite 53 / 100

    Factor percentiles

    Value89
    Quality27
    Momentum28
    Low volatility67

    Derived metrics

    Earn. yield
    10.7%
    Graham no.
    ₹36.75
    vs Graham
    +28.1%
    ROE ÷ P/B
    10.6%
    12-1 mom.
    -17.3%
    Return / vol
    -1.02
    FCF yield
    7.5%

    Appears in 11 scans

    Percentiles rank this stock against the other tracked stocks and change as they do. Scans describe where figures sit today. Hover a label for its definition. Not investment advice.

    Peer comparison

    All 34 in Banking
    Largest Banking companies tracked, with sector medians
    CompanyM-capP/EP/BROEROCEOPMD/ESales YoY
    HDFC BankHDFCBANK₹10.69 L Cr15.141.7714.3%7.0%—0.98+9.4%
    ICICI BankICICIBANK₹10.01 L Cr17.122.5917.1%7.2%—0.76+16.2%
    State Bank of IndiaSBIN₹8.85 L Cr10.271.4216.0%6.1%—1.30+8.4%
    Kotak Mahindra BankKOTAKBANK₹4.28 L Cr21.102.3611.4%7.0%—0.53+6.4%
    Axis BankAXISBANK₹3.79 L Cr12.701.6413.2%6.2%—1.41+17.9%
    Punjab National BankPNB₹1.38 L Cr6.060.8613.0%6.1%—0.86+8.5%
    Union Bank of IndiaUNIONBANK₹1.37 L Cr6.210.9515.7%6.3%—0.71+8.3%
    Indian Overseas BankIOB₹55,228 Cr9.371.4815.7%6.1%—1.40+18.8%
    Sector median₹56,581 Cr9.631.1913.1%6.3%—0.87+15.2%

    Sector as classified in the tracked universe; medians use every tracked Banking company, and P/E only profitable ones. Tinted figures beat the median.

    Latest news

    Updated 11d ago

    Headlines about Indian Overseas Bank from the last two weeks in the financial press. Stories belong to their publishers; Parasram India does not endorse them.

    Key metrics

    P/E (TTM)
    9.3
    EPS (TTM)
    ₹3.18
    Price / Book
    1.42
    ROE (FY26)
    15.7%
    Dividend yield
    0.00%

    Moving averages (NSE)

    20-day
    ₹30.83
    Price below
    50-day
    ₹32.07
    Price below
    200-day
    ₹33.81
    Price below

    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

    ₹ crore; a loss shows red. Operating margin below, same periods.

    0 Cr2.5K Cr5K Cr7.5K Cr10K Cr
    • Revenue
    • Net profit

    Operating margin

    Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Jun 2026

    Who owns the company

    % of equity by quarter, latest Sept 2026

    Dec '24Mar '25Jun '25Sept '25Dec '25Mar '26Jun '26Sept '260%25%50%75%100%
    • Promoter
    • DII
    • Public
    • FII

    Cash flows

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

    Mar 2002Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026-15K Cr-10K Cr-5K Cr0 Cr5K Cr10K Cr
    • Operating
    • Investing
    • Financing
    • Free cash flow

    Return on equity

    Net profit over shareholders' equity, by fiscal year

    FY21FY22FY23FY24FY25FY260%5%10%15%20%15% screen

    Equity vs debt

    Shareholders' equity against borrowings (₹ crore); the ratio below, same years.

    0 Cr20K Cr40K Cr60K Cr
    • Equity
    • Debt

    Debt to equity

    Mar 2002Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 20260x1x2x

    Dividends per share

    ₹ by fiscal year of the ex-date; the latest year runs to date.

    FY11FY12FY13FY14₹0₹2₹4₹6

    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 26 Oct 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
    +1%
    5 Years
    +5%
    3 Years
    -11%
    1 Year
    -27%

    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
    HolderDec 2025Mar 2026Jun 2026Sept 2026Change
    Promoter92.44%92.44%92.44%92.44%0.00 pp
    FII0.35%0.43%0.47%0.48%+0.01 pp
    DII4.26%4.28%4.29%4.29%0.00 pp
    Public2.93%2.85%2.80%2.80%0.00 pp

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

    Analysts & fund holdings

    Valuation vs Banks
    P/E9.4 vs 16.4
    Sector P/B2.12
    Beta0.80

    Who holds the shares, quarter by quarter

    Mutual funds 0.23% (-0.01 pp)
    Jun 25
    Sept 25
    Dec 25
    Mar 26
    Jun 26
    Sept 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
    SBI BSE PSU Bank Index Fund0.01%1.38%-0.05 pp
    Motilal Oswal Nifty Midcap 150 Index Fund0.01%0.11%+0.11 pp
    Nippon India Nifty Midcap 150 Index Fund0.01%0.11%+0.11 pp
    SBI Nifty Midcap 150 Index Fund0.00%0.11%+0.11 pp
    ICICI Pru Nifty Midcap 150 Index Fund0.00%0.11%+0.11 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.

    Risk & trend

    From 275 daily sessions to 23 Oct 2026.

    Computed

    Risk

    Volatility (1Y)
    25.3%
    Downside volatility
    24.2%
    Worst 5% of days
    2.6%
    Average of that tail
    3.5%
    Max drawdown (1Y)
    29.8%
    Below its peak
    29.8%

    Against the market

    Beta vs Nifty 50
    1.06
    Correlation
    0.56
    Relative strength (3M)
    -9.9%
    ATR (14)
    2.9%

    Return

    Return 1M
    -10.2%
    Return 3M
    -15.2%
    Return 6M
    -19.0%
    Return 1Y
    -25.7%
    vs 200-day average
    -15.2%

    Momentum

    RSI (14) · oversold
    27.8
    MACD histogram
    -0.11
    Stochastic %K
    6.5
    ADX (14)
    23.4
    +DI / −DI
    16.7 / 29.7
    Money flow index
    52.6

    Participation

    Delivery (20d avg)
    46.9%
    vs its 60-day baseline
    -2.0 pts
    Volume vs 20-day
    +0.4σ
    Close vs day's VWAP
    -0.8%
    52-week position
    0 / 100

    These describe what this stock's price has already done. They are not forecasts, signals or recommendations, and a dash means the figure was withheld for want of enough history rather than being zero.

    Financial quality

    From consolidated statements to 30 Jun 2026.

    Computed

    No F-Score: it needs two reporting periods a year apart that carry both an income statement and a balance sheet, and this company's filings do not yet line up that way. The ratios below need only the one period and are unaffected.

    Free cash flow
    ₹4,134 Cr
    FCF yield
    7.5%
    Net debt
    ₹27,504 Cr
    Net debt / equity
    0.71
    EV / sales
    2.49

    Computed from filed statements, not filed themselves. A dash means an input was absent, and the score counts only the criteria that could actually be tested.

    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.

    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

    Company announcements

    Company Update
    Disclosure Under Regulation 30 Of SEBI (LODR) Regulation, 2015- Receipt Of SEBI Approval.

    Disclosure under Regulation 30

    Board MeetingPrice-sensitive
    Board Meeting Intimation for Consideration Of Unaudited Financial Results For The Quarter And Half Year Ended September 30, 2026

    Indian Overseas Bankhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 26/10/2026 ,inter alia, to consider and approve Notice of Board Meeting for ....

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

    Revision in MCLR w.e.f 15.10.2026

    Company Update
    Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018

    Certificate under Reg 74(5) of SEBI (DP) Regulations, 2015

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

    Revision in Bank's EBLR w.e.f 08.10.2026

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

    Rating upgrade by India Ratings & Research

    Others
    Compliances-Half Yearly Report (SEBI Circular No. CIR/IMD/DF-1/67/2017)

    Statement of outstanding debt securities for the half year ended 30.09.2026

    Insider Trading / SAST
    Closure of Trading Window

    Closure of Trading Window for the quarter and half year ended 30.09.2026

    Company Update
    Announcement under Regulation 30 (LODR)-Strikes /Lockouts / Disturbances

    Notice of Proposed Bank Strike

    Others
    Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD

    Certificate on Interest Payment on Series III Bonds INE565A08035

    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

    Company Update
    Announcement under Regulation 30 (LODR)-Earnings Call Transcript

    Transcript of Analyst Meet held on 20.07.2026

    Company Update
    Announcement under Regulation 30 (LODR)-Newspaper Publication

    Newspaper publication of Financial Results for the quarter ended 30.06.2026

    Company Update
    Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

    Audio Recording link of Analyst meet held on Monday, 20.07.2026

    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.

    Sourced from the company's NSE XBRL filing dated 20 Jul 2026 (unaudited). View the source filing. Figures are as filed and are not investment advice.

    FAQ

    Indian Overseas Bank: common questions

    Answered from the figures on this page.

    Indian Overseas Bank last traded at ₹28.68 (NSE, as of 25 Oct 2026). The last session moved it down 3.95%.

    Indian Overseas Bank is valued at about ₹55,228 crore (NSE, as of 25 Oct 2026).

    Indian Overseas Bank trades at a price-to-earnings ratio of 9.37 (NSE, as of 25 Oct 2026). The P/E compares the share price with earnings per share, so it is only comparable between companies in the same industry.

    Indian Overseas Bank has traded between ₹28.42 and ₹41.29 over the past 52 weeks, to 25 Oct 2026. It is currently 2% of the way up that range.

    Indian Overseas Bank (IOB) is classified under Banking on this site's screener.