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Indian Overseas Bank

BankBank - Public

www.iob.in BSE: 532388NSE: IOB

₹33.18BSE2.87%

07 Sep, 4:01 PM

₹33.18

₹63.76K Cr

10.70

1.80

17.36%

₹34.16

₹33.03

₹41.73

₹31.18

Customise metrics bar

Price Performance

Peer Comparison

Name
STATE BANK SBIN	1,005.95	10.77	9,28,553.98	1.72	24,579.04	13.65%	1,36,240.49	8.50%	12.16
UNION BANK L UNIONBANK	186.00	6.88	1,41,985.06	2.69	5,368.17	29.77%	27,427.10	1.21%	14.57
PUNJAB NATIO PNB	115.75	6.02	1,33,030.82	2.59	5,339.15	191.40%	33,589.17	3.12%	13.26
BANKBARODA BANKBARODA	236.55	6.74	1,22,328.57	3.59	1,572.59	-53.08%	35,114.52	6.84%	11.20
INDIAN BANK INDIANB	869.65	9.16	1,17,138.72	2.10	3,299.48	48.73%	18,095.14	11.11%	16.28
CANARA BANK CANBK	124.20	5.67	1,12,657.49	3.38	4,864.08	61.96%	32,957.16	4.55%	14.46
BANK MAHA MAHABANK	85.00	8.68	65,378.22	2.59	2,020.54	26.83%	8,034.65	13.90%	16.53
Indian Overseas Bank IOB	33.18	10.70	63,758.57	0.00	1,659.24	49.25%	8,777.57	18.82%	11.31

Quarterly Results

consolidated figures in ₹ Crores · Quarterly

Particulars	Dec 2021	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	4,199.10	6,539.01	6,853.94	7,115.88	7,634.81	7,387.49	7,850.89	8,172.39	8,488.96	8,777.57
Expenses	1,234.92	1,800.18	2,044.69	1,823.78	2,087.62	1,869.98	2,025.17	2,194.63	2,095.57	3,154.75
	1,458.15	1,676.50	2,128.29	2,266.24	2,617.84	2,358.60	2,401.52	2,603.10	2,665.05	2,693.10
	34.73%	25.64%	31.05%	31.85%	34.29%	31.93%	30.59%	31.85%	31.39%	30.68%
Provisions and Contingencies	998.95	937.88	1,146.31	1,028.64	1,064.22	844.05	672.46	1,235.65	1,005.96	834.03
	1,119.73	1,033.24	1,633.59	1,298.08	1,581.07	1,480.39	1,365.44	1,499.19	1,290.91	2,160.23
Interest	2,625.76	4,095.57	4,314.55	4,323.94	4,510.42	4,639.30	4,789.64	4,873.85	5,019.25	5,089.95
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	459.20	738.62	981.98	1,237.60	1,553.62	1,514.55	1,729.06	1,367.45	1,659.09	1,859.07
	1.72%	14.24%	20.85%	29.39%	32.40%	26.60%	28.98%	0.17%	9.26%	10.75%
	451.28	633.44	777.25	873.89	1,050.22	1,111.69	1,227.90	1,365.12	1,505.45	1,659.24
	0.24	0.34	0.41	0.46	0.57	0.61	0.65	0.74	0.81	0.89

Profit & Loss

consolidated figures in ₹ Crores · Annual

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
I. INCOME
Interest Earned	16,735.84	19,406.97	24,065.67	28,143.64	31,895.68
	4,905.33	4,116.45	5,665.30	5,606.67	5,846.90
	21,641.17	23,523.42	29,730.97	33,750.31	37,742.58
II. EXPENDITURE
Interest Expended	10,419.49	11,146.29	14,226.50	17,244.48	19,322.04
Operating Expenses	5,458.97	6,429.81	8,730.53	7,756.27	8,183.98
Provisions and Contingencies	3,983.92	3,365.02	3,351.36	4,177.05	3,758.10
	1,778.79	2,582.30	3,422.58	4,572.51	6,478.46
Taxes	69.52	478.31	756.92	1,177.01	1,059.99
	1,709.27	2,103.99	2,665.66	3,395.50	5,418.47
Extra items				0.00	0.00
Consolidated Net Profit	1,709.27	2,103.99	2,665.66	3,395.50	5,418.47
IV. APPROPRIATIONS	-17,115.27	-15,906.25	-13,788.79	-11,078.43	-7,119.39
	0.90	1.11	1.41	1.76	2.81
Adjusted EPS	0.90	1.11	1.41	1.76	2.81

Balance Sheet

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
SOURCES OF FUNDS:
	18,902.41	18,902.41	18,902.41	19,256.59	19,256.59
Total Reserves	3,695.34	5,973.63	8,659.04	12,976.76	17,734.08
Reserve excluding Revaluation Reserve	945.78	3,220.47	5,936.40	9,603.79	14,300.19
Revaluation Reserves	2,749.56	2,753.15	2,722.63	3,372.97	3,433.89
Deposits	2,62,213.76	2,60,973.59	2,86,121.48	3,11,204.18	3,68,191.25
	3,070.64	20,803.77	30,387.17	42,227.66	51,602.57
Other Liabilities & Provisions	11,147.82	6,784.66	7,799.23	9,044.81	16,010.70
Total Liabilities	2,99,029.97	3,13,438.07	3,51,869.32	3,94,709.99	4,72,795.19
APPLICATION OF FUNDS :
Cash and balance with Reserve Bank of India	22,749.65	17,149.92	16,905.54	18,115.87	16,605.93
Balances with banks and money at call	14,201.61	3,670.65	1,909.36	3,103.76	8,616.65
Investments	97,640.79	93,642.52	99,193.92	1,10,587.97	1,19,284.87
Investments in India	93,580.05	89,637.82	95,084.58	1,06,687.75	1,15,205.77
Investments outside India	4,060.74	4,004.70	4,109.33	3,900.22	4,079.10
Advances	1,44,253.56	1,78,067.68	2,13,330.13	2,45,555.17	3,06,621.81
Gross block	6,707.53	7,289.06	7,545.88	8,680.59	9,218.39
Less: Accumulated Depreciation	3,341.61	3,578.41	3,820.17	4,100.01	4,211.21
Net Block	3,365.93	3,710.65	3,725.71	4,580.58	5,007.19
Capital Work in Progress	0.11	0.09	14.48	74.24	67.35
Other Assets	16,818.33	17,196.56	16,790.19	12,692.40	16,591.39
Total Assets	2,99,029.97	3,13,438.07	3,51,869.32	3,94,709.99	4,72,795.19
Contingent Liabilities	97,998.90	1,96,131.45	1,95,742.16	1,59,405.17	1,53,282.74
Bills for collection	17,216.22	19,547.86	19,119.01	17,088.34	18,383.96
	10.50	11.70	13.14	14.99	17.43
Adjusted Book Value	10.50	11.70	13.14	14.99	17.43

Cash Flow

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
Net Profit Before Taxes	1,778.96	2,353.45	3,422.74	4,572.51	6,478.46
Adjustments for Expenses & Provisions :	4,665.00	4,514.76	3,224.90	4,594.56	4,377.34
Adjustments for Liabilities & Assets:	-156.72	-20,186.89	-7,183.59	-8,478.05	-5,532.59
Refund/(payment) of direct taxes	-748.09	-336.00	-583.00	1,958.06	-543.56
Cash Flow from operating activities	5,539.15	-13,654.68	-1,118.95	2,647.08	4,779.66
Cash Flow from investing activities	-49.29	-559.64	-359.29	-578.92	-638.92
Cash Flow from financing activities	478.96	-1,916.11	-527.69	336.57	-137.80
Net increase/(decrease) in cash and cash equivalents	5,968.82	-16,130.43	-2,005.93	2,404.73	4,002.94
Opening Cash & Cash Equivalents	30,982.44	36,951.26	20,820.83	18,814.90	21,219.64
Closing Cash & Cash Equivalent	36,951.26	20,820.83	18,814.90	21,219.64	25,222.57

Ratios

Valuation

10.70

1.80

9.53

1.92

3.09

18.44

Profitability

17.36

11.31

1.25

32.09

16.99

Leverage & Liquidity

1.54

Returns

0.00

Banking Metrics

2.79

83.28

Shareholding Pattern

Numbers in percentages

Particulars	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26
	96.38	96.38	96.38	94.61	94.61	94.61	92.44	92.44	92.44
	1.35	1.33	1.32	2.81	2.45	2.61	4.62	4.71	4.76
	2.27	2.29	2.29	2.59	2.94	2.78	2.94	2.85	2.80
	3.62	3.62	3.62	5.39	5.39	5.39	7.56	7.56	7.56
No. of Shareholders	9,96,568	9,77,592	9,77,917	9,77,863	10,08,128	9,88,551	9,81,829	9,68,298	9,55,025

Corporate Actions

Showing: All

Date	Type	Details
2026-07-14	Board Meeting	Quarterly Results
2026-05-21	AGM
2026-05-18	Board Meeting	Inter alia, to consider and approve Capital Plan of the Bank for FY 2026-27

Insider Trading

Date	Person	Category	Transaction Type	Shares	Value (₹)

No insider trading data available.

Sector Overview

BankBank - Public

Indian Overseas Bank operates in the Bank sector under the Bank - Public industry. This sector is one of the key drivers of the Indian economy and is closely tracked by the relevant Nifty sectoral index.

Company Profile

Corporate information and contact details

Key Management

11 members across the board and senior leadership

Raghuram Mallela

Deputy General Manager & Company Secretary & Compliance Officer

—

Srinivasan Sridhar

Chairman

₹12.78 L

Mar '26

Ajay Kumar Srivastava

Managing Director & Chief Executive Officer

₹66.56 L

Mar '26

Joydeep Dutta Roy

Whole Time Director

₹58.18 L

Mar '26

Neelam Agrawal

Government Nominee Director

—

Dhanaraj T

Whole Time Director

₹74.16 L

Mar '26

Thomas Mathew

Nominee Director - RBI

₹1.50 L

Mar '26

G Venkataramanan

Shareholders Director

₹3.67 L

Mar '26

Suresh Kumar Rungta

Part Time Non-Official Director

₹14.78 L

Mar '26

B Chandra Reddy

Part Time Non-Official Director

₹12.00 L

Mar '26

Deepak Sharma

Part Time Non-Official Director

₹15.15 L

Mar '26

IOB Latest News

News

1 of 1 article

COMPANY3 Jun 2026 · 11:18

Indian Overseas Bank gets IFSCA’s license to setup IFSC banking unit in GIFT City

Earlier, the bank had received approval from Reserve Bank of India (RBI) to setup IFSC IBU

IOB

₹33.18

-2.87%