IOB · NSE
Indian Overseas Bank
₹32.17
+0.22% (+₹0.07)
Prev. close
₹32.1
Volume
19,54,679
Delivery %
56.0%
As of
18 Sept 2026
Price history
No analyst calls on this stock in the last 90 days yet.
Explore by date range →Analyst opinions
Fundamentals
About Indian Overseas Bank
Indian Overseas Bank provides various banking products and services in India and internationally. It operates through Treasury Operations, Corporate/Wholesale Banking Operations, Retail Operations, and Other Banking Operations segments. The company accepts various deposits, such as demand, savings, current, fixed, recurring, tax saver, and term deposits. Its loan products include home, vehicle, jewel, consumer durable, education, reverse mortgage, personal, agricultural, and corporate loans, as well as loan against the property and sovereign gold bond; and micro, small, and medium enterprise loans. The company also provides debit and credit cards, export credit, NRI accounts, agricultural and rural banking products, mutual funds, lockers, merchant banking, and internet and mobile banking services; depository services; and life, health, personal accident, digital, and motor insurance products. It operates branches, ATMs, and business correspondents in India; and overseas branches in Singapore, Hong Kong, Thailand, and Sri Lanka. Indian Overseas Bank was incorporated in 1936 and is headquartered in Chennai, India.
Details
Sector
Financial Services
Industry
Banks - Regional
CEO
Mr. Ajay Kumar Srivastava
Headquarters
Chennai
Employees
21,034
Website
iob.bank.inExchange
View on NSE ↗Key stats
Market cap
₹61,948.45 Cr
P/E ratio (TTM)
10.8
EPS (TTM)
₹2.98
Beta (1Y · daily vs NIFTY 50)
1.10
Beta (5Y · monthly vs NIFTY 50)
0.86
Shares float
139.66 Cr
EPS · quarter ended Jun 2026
₹0.89
Financial Performance
01 · Financials
FY22 growth needs FY21 filings, which the data source doesn't provide.
02 · Earnings Per Share (EPS)
04 · Operating Efficiency (Growth Rates)
Balance-sheet-based · pre-FY23 not filed in verifiable form
05 · Capital Structure & Asset Utilization
Pre-FY23 not filed in verifiable form
Asset turnover needs a prior year of assets — omitted for the earliest available year.
06 · Asset Base Composition
Pre-FY23 not filed in verifiable form
07 · Debt Level & Coverage
Pre-FY23 not filed in verifiable form
08 · Profit & Loss
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹22,524.55 Cr | ₹21,641.17 Cr | ₹12,375.55 Cr | ₹15,502.26 Cr | ₹16,504.04 Cr | ₹18,418.43 Cr | |
| ₹831.47 Cr | ₹1,709.28 Cr | ₹2,103.98 Cr | ₹2,665.66 Cr | ₹3,395.50 Cr | ₹5,418.46 Cr | |
| Diluted EPS | ₹0.51 | ₹0.92 | ₹1.15 | ₹1.4 | — | ₹2.7 |
Employee benefit expense, Interest expense, Other income, Diluted EPS have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
09 · Balance Sheet
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹2.74 L Cr | ₹2.99 L Cr | ₹3.13 L Cr | ₹3.52 L Cr | ₹3.95 L Cr | ₹4.73 L Cr | |
| Total debt | — | — | ₹20,803.77 Cr | ₹23,387.17 Cr | ₹40,281.66 Cr | ₹51,602.57 Cr |
| Stockholders' equity | — | — | ₹24,876.04 Cr | ₹27,561.45 Cr | ₹32,233.35 Cr | ₹36,990.67 Cr |
Cash & equivalents, Total debt, Stockholders' equity have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
Annual only — the data source doesn’t publish quarterly balance-sheet detail for most NSE-listed companies.
10 · Cash Flow Statement
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹4,950.78 Cr | ₹5,539.15 Cr | ₹-13,654.68 Cr | ₹-1,118.95 Cr | ₹2,647.08 Cr | ₹4,779.66 Cr | |
| Investing cash flow | ₹-47.94 Cr | ₹-49.29 Cr | ₹-559.63 Cr | ₹-359.29 Cr | ₹-578.92 Cr | ₹-638.92 Cr |
| ₹1,812.84 Cr | ₹478.96 Cr | ₹-1,916.11 Cr | ₹-527.69 Cr | ₹336.57 Cr | ₹-137.80 Cr | |
| Capital expenditure | ₹-65.00 Cr | ₹-56.00 Cr | ₹-582.00 Cr | ₹-365.00 Cr | ₹-603.00 Cr | ₹-646.00 Cr |
| End cash position | ₹30,776.34 Cr | ₹36,951.26 Cr | ₹20,820.72 Cr | ₹18,814.90 Cr | ₹21,219.64 Cr | ₹25,222.57 Cr |
Debt issued, Debt repaid, Dividends paid have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
Annual only — the data source has no quarterly cash-flow-statement coverage.
11 · Shareholding Pattern
NSE, quarterly
| Line item | Sep 21–Dec 24(14Q) | Mar 25–Sep 25(4Q) | Dec 25–Jun 26(4Q) |
|---|---|---|---|
| Promoter | 96.38% | 94.61% | 92.44% |
| Public | 3.62% | 5.39% | 7.56% |
| Employee trusts | 0.00% | 0.00% | 0.00% |
Source: NSE quarterly shareholding-pattern filings, collapsed to periods where the reported percentages held steady — a column spanning several quarters means no change was filed across them. No FII/DII sub-split available from this source — Public includes all non-promoter, non-employee-trust holders.
12 · Peer Comparison
Financial Services
| Company | ||||||||
|---|---|---|---|---|---|---|---|---|
| HDFC Bank Limited | ₹11.27 L Cr | ₹731 | 16.2 | 1.38 | 8.6% | 0.81 | +4.7% | -25.2% |
| ICICI Bank Limited | ₹9.75 L Cr | ₹1,347.6 | 17.6 | 2.69 | 14.9% | 0.57 | +9.1% | -5.0% |
| State Bank of India | ₹9.16 L Cr | ₹996.2 | 10.6 | 1.54 | 14.0% | 1.22 | +9.2% | +16.6% |
| Bajaj Finance Limited | ₹6.31 L Cr | ₹1,040.3 | 31.1 | 5.54 | 16.7% | 3.10 | +19.7% | +4.4% |
| Life Insurance Corporation Of India | ₹5.06 L Cr | ₹407.7 | 8.4 | 2.87 | 32.5% | — | +8.7% | -54.2% |
| Kotak Mahindra Bank Limited | ₹4.08 L Cr | ₹415 | 20.5 | 2.25 | 10.6% | 0.53 | -0.3% | -79.5% |
| Axis Bank Limited | ₹3.86 L Cr | ₹1,240 | 14.0 | 1.80 | 12.3% | 1.30 | +4.0% | +10.1% |
| Bajaj Finserv Limited | ₹2.98 L Cr | ₹1,852.5 | 29.4 | 3.82 | 12.6% | 4.64 | +13.6% | -10.5% |
| Shriram Finance Limited | ₹2.34 L Cr | ₹1,010 | 17.6 | 3.55 | 15.2% | 2.76 | +13.9% | +61.1% |
| SBI Life Insurance Company Limited | ₹1.77 L Cr | ₹1,731 | 68.0 | 9.29 | 12.9% | — | -4.3% | -5.0% |
| ICICI Prudential Asset Management Company Limited | ₹1.53 L Cr | ₹3,098 | 43.8 | 36.57 | 79.1% | — | +23.1% | — |
| Indian Overseas Bank | ₹61,813.65 Cr | ₹32.17 | 10.8 | 1.67 | 14.6% | 1.40 | +11.6% | -20.0% |
Ranked by market cap within Financial Services, same metrics as the Fundamentals screener. Click a column to sort.
Documents
Annual reports
Show all 27
Concall transcripts
Official documents linked from their sources — offer documents as filed with SEBI (sebi.gov.in), annual reports and earnings-call transcripts as published on BSE (bseindia.com) and NSE (nseindia.com). Links open the source's own hosting; nothing is re-hosted here.
Index membership
26 indices
NSE weights are a free-float market-cap-share estimate, not NSE’s own published (and sometimes capped) index weight. BSE weights are BSE’s own published index weight, not an estimate. Indices without weight data are listed without one, in alphabetical order after the weighted ones.
Indian Bank Plans Insurance, Asset Management Ventures, Eyes Overseas Expansion
Indian Bank plans to enter the life insurance and asset management sectors, seeking board approval before engaging partners and regulators. The bank also intends to expand its international presence by opening a representative office in Dubai and exploring opportunities in Malaysia and Indonesia. These moves aim to diversify revenue and strengthen its market position.
IOB assistant branch manager arrested for ₹3.09-crore gold loan fraud
An assistant branch manager at Indian Overseas Bank (IOB) was arrested for allegedly replacing 2,179 grams of customer-pledged gold with fake jewelry. This action caused a loss of ₹3.09 crore to the bank. The manager reportedly used the stolen gold to raise funds for online gaming and personal expenses.