INDIAN OVERSEAS BANK·PSU BANKS 46.15BANKS 52.98·Banks

Price

29.86

-1.75%
O:30.39
H:30.44
L:29.72
C:29.86

52W Range

29.7241.8
+0%/-29%

Market Cap

₹57,500.18 Cr

Traded: ₹8.00 Cr (0.01%) 0.0x

Free Float: ₹1,610.00 Cr (0.50% of FF traded)

Volume · 60D trend

26.71 L 0.0x

Delivery: % 0.0x

View Delivery Data

Returns

1W:+0% 1M:-2% 3M:-10% 6M:-15% 12M:-15%

RS Score

SEEM
NOUS
BNF
SMA Score

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Valuation

P/E9.7
P/B1.6
P/S--
EV/EBIT--

Business Strength

ROE15.6%
ROCE6.1%
OPM--
NPM--

Growth (3Y CAGR)

EPS+59.7%
Sales+18.0%
Profit+37.0%
3Y Return+9.0%

Balance Sheet

Debt/Equity11.4
Debt4,23,433 Cr
Pledge0.0%
CWIP/Fixed Asset1.3%

Cash Position

CFO/NP88.2%
FCF4,141 Cr
FCF 3Y Avg4,731 Cr
Cash/MCap24.0%

Others

Div Yield0.0%
Div Payout0.0%
Cash Conv. Cycle--
Tradeable Free Float2.8%
IOB29.86 -1.75% NSEBSE20% 26 Oct
NOUS
BNF
MCap57.5K Cr
Vol26.71 L
RVol
Del%
TVal8 Cr
RS
SEEM

MTF Exposure Trend

60 sessions · funded amount, % of FF, daily delta

Current
₹ 96.47 Cr
5.99% FF
60d high
₹ 116.86 Cr
60d low
₹ 95.84 Cr
60d mean
₹ 104.24 Cr
vs mean
▼ 7.46%

Growth Trends

Metric10Y5Y3Y1YTTMTrend
Sales
--
+13.0%
+18.0%
--
+15.0%
Stable
ROE
--
+11.0%
+13.0%
--
--
Accelerating
Return
+3.0%
+8.0%
+9.0%
-12.0%
--
Stable
Profit
--
+48.0%
+37.0%
--
+52.0%
Stable

Quarterly Results

Jun 2026

20 Jul
Rev
--
----
OPM--
NPM--
PAT
+46% YoY▲1.7K Cr
EPS
+46% YoY▲0.9

Mar 2026

29 Apr
Rev
--
----
OPM--
NPM--
PAT
+43% YoY▲1.6K Cr
EPS
+42% YoY▲0.8

Dec 2025

14 Jan
Rev
--
----
OPM--
NPM--
PAT
+63% YoY▲1.4K Cr
EPS
+61% YoY▲0.7

Sep 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
+61% YoY▲1.3K Cr
EPS
+59% YoY▲0.7

Jun 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
+82% YoY▲1.2K Cr
EPS
+79% YoY▲0.6

Mar 2025

PDF
Rev
--
----
OPM--
NPM--
PAT
+35% YoY▲1.1K Cr
EPS
+33% YoY▲0.6

Dec 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
+21% YoY▲875 Cr
EPS
+21% YoY▲0.5

Sep 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
+24% YoY▲780 Cr
EPS
+24% YoY▲0.4

Jun 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
+29% YoY▼649 Cr
EPS
+26% YoY▼0.3

Mar 2024

PDF
Rev
--
----
OPM--
NPM--
PAT
+24% YoY▲810 Cr
EPS
+23% YoY▲0.4

Dec 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
+30% YoY▲724 Cr
EPS
+31% YoY▲0.4

Sep 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
+25% YoY▲627 Cr
EPS
--▲0.3

Jun 2023

PDF
Rev
--
----
OPM--
NPM--
PAT
+28% YoY▼504 Cr
EPS
--▼0.3

Mar 2023

Rev
--
----
OPM--
NPM--
PAT
+19% YoY▲656 Cr
EPS
--▲0.3

Dec 2022

Rev
--
----
OPM--
NPM--
PAT
+23% YoY555 Cr
EPS
--0.3

Revenue & Margin Trends

Annual

Quarterly

Balance Sheet Health

Leverage

Debt / Equity0.00
Interest Coverage103.9x
Promoter Pledge0.0%
Borrowings--

Efficiency

Receivable Days days
Inventory Days days
Payable Days days
Cash Conversion cycle days

Cash Position

Operating Cash Flow4.8K Cr
Investing Cash Flow-639 Cr
Financing Cash Flow-138 Cr
Free Cash Flow4.1K Cr

Detailed Financials

Jun 2026PDF ↗
Mar 2026PDF ↗
Dec 2025PDF ↗
Sep 2025PDF ↗
Jun 2025PDF ↗
Mar 2025PDF ↗
Dec 2024PDF ↗
Sep 2024PDF ↗
Jun 2024PDF ↗
Mar 2024PDF ↗
Dec 2023PDF ↗
Sep 2023PDF ↗
Jun 2023PDF ↗
Mar 2023
Dec 2022
Sales------------------------------
Expenses3,9893,1023,4302,6982,7143,1522,8523,1912,7384,0492,5832,8292,6212,8222,664
Operating Profit------------------------------
Other Income2,1601,2911,4991,3651,4801,5811,2981,6341,0332,4791,2631,1178071,436951
Interest5,0905,0194,8744,7904,6394,5104,3244,3154,0963,8683,7803,4773,1022,9172,784
Depreciation000000000000000
Profit Before Tax1,8591,6591,3671,7291,5151,5541,2389827391,1961,080636511891560
Tax %11.0%9.0%0.0%29.0%27.0%32.0%29.0%21.0%14.0%32.0%33.0%1.0%1.0%26.0%1.0%
Net Profit1,7161,5561,4271,2591,1781,092875780649810724627504656555
Exceptional Items------------------------------
EPS (Rs)0.90.80.70.70.60.60.50.40.30.40.40.30.30.30.3
Sales Growth (YoY)------------------------------
Sales Growth (QoQ)------------------------------
OP Growth (YoY)------------------------------
OP Growth (QoQ)------------------------------
Profit Growth (YoY)46.0%43.0%63.0%61.0%82.0%35.0%21.0%24.0%29.0%24.0%30.0%25.0%28.0%19.0%23.0%
EPS Growth (YoY)45.9%42.1%60.9%58.5%79.4%32.6%21.1%24.2%25.9%22.9%31.0%--------
EPS Growth (QoQ)9.9%9.5%13.8%6.6%7.0%23.9%12.2%20.6%-20.9%13.2%15.2%22.2%-22.9%20.7%--
OP Margin------------------------------
Net Margin------------------------------
Material Cost %------------------------------
Employee Cost %24.0%11.8%16.4%14.9%15.8%14.8%15.0%19.6%17.2%38.0%20.6%19.6%22.4%21.2%21.9%
P/S------------------------------
P/E9.6612.0513.61------------------------
P/B1.551.761.97------------------------

Shareholding Pattern

Shareholders:9.6L (+87.4%)
Current MixJun 2026

Exchange Filings

50
Company Update20 Oct 2026

Disclosure under Regulation 30

Board Meeting17 Oct 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 ....

Company Update08 Oct 2026

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

Company Update05 Oct 2026

Rating upgrade by India Ratings & Research

Others03 Oct 2026

Statement of outstanding debt securities for the half year ended 30.09.2026

Insider Trading / SAST28 Sept 2026

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

Others24 Sept 2026

Certificate on Interest Payment on Series III Bonds INE565A08035

Company Update24 Jul 2026

Transcript of Analyst Meet held on 20.07.2026

Board Meeting20 Jul 2026

Unaudited Financial Results for the Quarter ended 30.06.2026

Others20 Jul 2026

Security Cover Certificate as on 30.06.2026

Company Update14 Jul 2026

Intimation of Analyst Meet scheduled on July 20, 2026

Board Meeting14 Jul 2026

Indian Overseas Bankhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 20/07/2026 ,inter alia, to consider and approve Unaudited (Reviewed) Financial ....

AGM/EGM09 Jul 2026

Scrutinizer Report relating to the AGM held on 07.07.2026

AGM/EGM08 Jul 2026

Voting Results and Scrutinizer Report relating to 26th AGM of the Bank held on 07.07.2026

Company Update08 Jul 2026

Certificate under Reg.74(5) of SEBI (DP) Regulations, 2018

AGM/EGM07 Jul 2026

Outcome of 26th Annual General Meeting of the Bank

Company Update01 Jul 2026

Change in Senior Management Personnel

Company Update30 Jun 2026

Change in Senior Management - Chief Compliance Officer

Insider Trading / SAST25 Jun 2026

Closure of Trading Window

Company Update25 Jun 2026

Rating Upgrade by CRISIL Ratings to AA+, Stable

Company Update15 Jun 2026

Newspaper publication of notice of AGM scheduled for 07.07.2026

AGM/EGM11 Jun 2026

Notice of 26th AGM of the Bank scheduled for 07.07.2026

Others11 Jun 2026

Business Responsibility and Sustainability Report for FY 2025-26

Others11 Jun 2026

Annual Report of the Bank for the FY 2025-26

Company Update02 Jun 2026

Receipt of License from IFSCA

Company Update22 May 2026

Annual Secretarial Compliance report as on 31.03.2026

Board Meeting21 May 2026

Outcome of Board Meeting held on 21.05.2026

AGM/EGM21 May 2026

Intimation of Annual General Meeting of the Bank scheduled to be held on 07.07.2026

Board Meeting18 May 2026

Indian Overseas Bankhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 21/05/2026 ,inter alia, to consider and approve Consideration of Capital Plan ....

Company Update14 May 2026

Transcript of Analyst Meet held on 08.05.2026

Company Update08 May 2026

AUDIO RECORDING OF EARNING CALL HELD ON 08.05.2026

Company Update05 May 2026

Intimation of Analyst Meet scheduled on 08.05.2026

Company Update30 Apr 2026

IOB PERFORMANCE ANALYSIS 31.03.2026

Company Update30 Apr 2026

Newspaper publication of Financial Results as on 31.03.2026

Company Update30 Apr 2026

Change in Senior Management

Board Meeting29 Apr 2026

Audited Financial Results for the Quarter and Year ended 31.03.2026

Company Update29 Apr 2026

Press Release 31.03.2026

Company Update29 Apr 2026

Statement of Deviation and Variation as on 31.03.2026

Result29 Apr 2026

Audited Financial Results for the Quarter and Year ended 31.03.2026

Others29 Apr 2026

Security Cover Certificate as on 31.03.2026

Company Update24 Apr 2026

Postponement of Analyst Meet scheduled on 29.04.2026

Board Meeting23 Apr 2026

Indian Overseas Bankhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 29/04/2026 ,inter alia, to consider and approve the Audited Financial Results ....

Company Update23 Apr 2026

Schedule of Earnings Call for the Quarter and Year ended 31.03.2026

Company Update11 Apr 2026

Cessation of Directors

Company Update07 Apr 2026

Chapter XIV - Centralized database of Corporate Bonds

Others07 Apr 2026

Debt instruments Outstanding as on 31.03.2026

Others07 Apr 2026

Debt instruments outstanding as on 31.03.2026

Company Update06 Apr 2026

Compliance of Regulations 31 (4) and 31 (5) of SEBI SAST Regulation 2011

Company Update06 Apr 2026

Certifcate under Regulation 74 (5) of SEBI (DP) Regulations, 2018

Others01 Apr 2026

Certificate of Interest Payment on Bonds

Annual Reports

15

2026

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

2014

2013

2012

Credit Ratings

6
icraRating update
19 Nov 2025Report
careRating update
01 Oct 2025Report
careRating update
05 Aug 2025Report
crisilRating update
26 Jun 2025Report
fitchRating update
17 Jan 2025Report
careRating update

Concalls

40

Jan 2026

31 Jan 2026

Nov 2025

30 Nov 2025

Oct 2025

31 Oct 2025

Aug 2025

31 Aug 2025

May 2025

31 May 2025

Jan 2025

31 Jan 2025

Oct 2024

31 Oct 2024

Jul 2024

31 Jul 2024

May 2024

31 May 2024

May 2024

31 May 2024

Jan 2024

31 Jan 2024

Oct 2023

31 Oct 2023

Aug 2023

31 Aug 2023

May 2023

31 May 2023

Feb 2023

28 Feb 2023

Feb 2023

28 Feb 2023

Nov 2022

30 Nov 2022

Aug 2022

31 Aug 2022

May 2022

31 May 2022

Feb 2022

28 Feb 2022

Oct 2021

31 Oct 2021

Aug 2021

31 Aug 2021

Jun 2021

30 Jun 2021

Feb 2021

28 Feb 2021

Nov 2020

30 Nov 2020

Aug 2020

31 Aug 2020

Jun 2020

30 Jun 2020

Nov 2019

30 Nov 2019

Jul 2019

31 Jul 2019

May 2019

31 May 2019

Jan 2019

31 Jan 2019

Oct 2018

31 Oct 2018

Oct 2018

31 Oct 2018

Jul 2018

31 Jul 2018

May 2018

31 May 2018

Feb 2018

28 Feb 2018

Feb 2018

28 Feb 2018

Nov 2017

30 Nov 2017

Nov 2017

30 Nov 2017

Aug 2017

31 Aug 2017

Held by ETFs

30 ETFs hold IOB · sorted by weight

#ETFWeight %
1

SBIBPB

SBIAMC - SBIBPB

1.38%
2

HDFCPSUBK

HDFCAMC HDFCPSUBK

1.32%
3

PSUBNKBEES

NIP IND ETF PSU BANK BEES

1.32%
4

PSUBANK

KOTAK PSU BANK

1.32%
5

BANKPSU

MIRAEAMC - BANKPSU

1.32%
6

PSUBNKIETF

ICICIPRAMC - PSUBANKICI

1.32%
7

GROWWPSUBK

GROWWAMC - GROWWPSUBK

1.32%
8

EQUAL200

MIRAEAMC - EQUAL200

0.49%
9

SMALL250

MIRAEAMC - SMALL250

0.21%
10

GROWWSC250

GROWWAMC - GROWWSC250

0.21%
11

SMALLADD

DSPAMC - SMALLADD

0.21%
12

SBISMLETF

SBIAMC - SBISMLETF

0.21%
13

HDFCSML250

HDFCAMC - HDFCSML250

0.21%
14

MOSMALL250

MOTILALAMC - MOSMALL250

0.21%
15

GROWWMC150

GROWWAMC - GROWWMC150

0.11%
16

MIDCAPETF

MIRAEAMC - MAM150ETF

0.11%
17

MIDCAPIETF

ICICIPRAMC - ICICIM150

0.11%
18

MIDCAPADD

DSPAMC - MIDCAPADD

0.11%
19

MID150CASE

ZERODHAAMC - MID150CASE

0.11%
20

HDFCMID150

HDFCAMC - HDFCMID150

0.11%
21

MID150

KOTAKMAMC - MID150

0.11%
22

SBINMID150

SBIAMC - SBINMID150

0.11%
23

MIDCAPBETA

UTIAMC-MIDCAPBETA

0.11%
24

MID150BEES

NIP IND ETF MIDCAP 150

0.11%
25

ELM250

EDELAMC - ELM250

0.06%
26

MULTICAP

MIRAEAMC - MULTICAP

0.03%
27

AONETOTAL

AONEAMC - AONETOTAL

0.02%
28

BSE500IETF

ICICIPRAMC - ICICI500

0.02%
29

HDFCBSE500

HDFCAMC - HDFCBSE500

0.02%
30

MONIFTY500

MOTILALAMC - MONIFTY500

0.02%

Held by Mutual Funds

20 schemes hold IOB · sorted by weight

#SchemeWeight %
1

SBI BSE PSU Bank Index Fund

SBI Mutual Fund

1.43%
2

Kotak Nifty Smallcap 250 Index Fund

Kotak Mahindra Mutual Fund

0.24%
3

Motilal Oswal Nifty Smallcap 250 Index Fund

Motilal Oswal Mutual Fund

0.24%
4

Groww Nifty Smallcap 250 Index Fund

Groww Mutual Fund

0.23%
5

ICICI Prudential Nifty Smallcap 250 Index Fund

ICICI Prudential Mutual Fund

0.23%
6

Edelweiss Nifty Smallcap 250 Index Fund

Edelweiss Mutual Fund

0.23%
7

SBI Nifty Smallcap 250 Index Fund

SBI Mutual Fund

0.23%
8

Bandhan Nifty Smallcap 250 Index Fund

Bandhan Mutual Fund

0.23%
9

HDFC Nifty Smallcap 250 Index Fund

HDFC Mutual Fund

0.23%
10

Kotak BSE PSU Index Fund

Kotak Mahindra Mutual Fund

0.21%
11

Nippon India Nifty 500 Equal Weight Index Fund

Nippon India Mutual Fund

0.20%
12

HDFC Nifty500 Multicap 50:25:25 Index Fund

HDFC Mutual Fund

0.06%
13

Motilal Oswal Nifty 500 Index Fund

Motilal Oswal Mutual Fund

0.03%
14

SBI Nifty 500 Index Fund

SBI Mutual Fund

0.03%
15

Axis Nifty 500 Index Fund

Axis Mutual Fund

0.03%
16

ICICI Prudential Nifty 500 Index Fund

ICICI Prudential Mutual Fund

0.03%
17

Groww Nifty Total Market Index Fund

Groww Mutual Fund

0.02%
18

Motilal Oswal BSE 1000 Index Fund

Motilal Oswal Mutual Fund

0.02%
19

Bandhan Nifty Total Market Index Fund

Bandhan Mutual Fund

0.02%
20

HDFC BSE 500 Index Fund

HDFC Mutual Fund

0.02%