Nifty
Sensex
:
:
25725.40
83450.96
42.65 (0.17%)
173.81 (0.21%)

Bank - Public

Rating :
68/99

BSE: 532388 | NSE: IOB

35.88
17-Feb-2026
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  35.18
  •  36.28
  •  35.07
  •  35.08
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  9986875
  •  358940355.75
  •  47.95
  •  33.5

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 69,092.64
  • 13.94
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 93,204.44
  • N/A
  • 2.14

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 92.44%
  • 0.13%
  • 2.46%
  • FII
  • DII
  • Others
  • 0.35%
  • 3.90%
  • 0.72%

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -16.48
  • -26.18
  • -7.58

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • 34.96
  • 17.30

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 2.25
  • 3.32

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 29.80
  • 34.05
  • 27.86

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 1.41
  • 2.25
  • 3.32

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 28.41
  • 32.22
  • 13.49

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Dec 25
Dec 24
Var%
Sep 25
Sep 24
Var%
Jun 25
Jun 24
Var%
Mar 25
Mar 24
Var%
Interest Earned
8,172.39
7,115.88
14.85%
7,850.89
6,853.94
14.55%
7,387.49
6,539.01
12.98%
7,634.81
6,633.50
15.09%
Interest Exp.
4,873.85
4,323.94
12.72%
4,789.64
4,314.55
11.01%
4,639.30
4,095.57
13.28%
4,510.42
3,867.77
16.62%
Net Interest Income
3,298.54
2,791.94
18.15%
3,061.25
2,539.39
20.55%
2,748.19
2,443.44
12.47%
3,124.39
2,765.73
12.97%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
1,499.19
1,298.08
15.49%
1,365.44
1,633.59
-16.41%
1,480.39
1,033.24
43.28%
1,622.79
2,479.17
-34.54%
Total Income
9,671.58
8,413.96
14.95%
9,216.33
8,487.53
8.59%
8,867.88
7,572.25
17.11%
9,257.60
9,112.67
1.59%
Operating Exp.
2,194.63
1,823.78
20.33%
2,025.17
2,044.69
-0.95%
1,869.98
1,800.18
3.88%
2,087.62
3,281.38
-36.38%
Operating Profit
2,603.10
2,266.24
14.86%
2,401.52
2,128.29
12.84%
2,358.60
1,676.50
40.69%
2,659.56
1,963.52
35.45%
Provision
1,235.65
1,028.64
20.12%
672.46
1,146.31
-41.34%
844.05
937.88
-10.00%
1,064.22
767.56
38.65%
PBT
1,367.45
1,237.60
10.49%
1,729.06
981.98
76.08%
1,514.55
738.62
105.05%
1,595.34
1,195.96
33.39%
PBTM
16.73
17.39
-3.80%
22.02
14.33
53.66%
20.50
11.30
81.42%
20.90
18.03
15.92%
TAX
2.33
363.71
-99.36%
501.16
204.73
144.79%
402.86
105.18
283.02%
503.40
385.54
30.57%
PAT
1,365.12
873.89
56.21%
1,227.90
777.25
57.98%
1,111.69
633.44
75.50%
1,091.94
810.42
34.74%
PATM
16.70%
12.28%
15.64%
11.34%
15.05%
9.69%
14.30%
12.22%
EPS
0.71
0.45
57.78%
0.64
0.40
60.00%
0.58
0.33
75.76%
0.57
0.42
35.71%
Gross NPA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Gross NPA%
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Net NPA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Net NPA%
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
CASA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0

Annual Results

Standalone Figures in Rs. Crores /

Consolidated
Description
TTM
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Net Interest Income
12,232.37
10,899.16
9,839.17
8,260.68
6,316.35
5,906.11
Interest Earned
31,045.58
28,143.64
24,065.67
19,406.97
16,735.84
16,975.56
Interest Expended
18,813.21
17,244.48
14,226.50
11,146.29
10,419.49
11,069.45
Int. income Growth
16.05%
10.77%
19.11%
30.78%
6.95%
 
Other Income
5,967.81
5,606.67
5,665.30
4,116.45
4,905.33
5,485.65
Total Income
37,013.39
16,505.83
15,504.47
12,377.13
11,221.68
11,391.76
Total Expenditure
8,177.40
11,538.08
11,745.52
9,534.41
9,270.33
10,366.99
Employee Cost
-
4,669.17
6,143.28
4,102.37
3,488.89
3,705.91
% Of Sales
-
16.59%
25.53%
21.14%
20.85%
21.83%
Opt. & Establishment Exp.
-
3,482.32
2,923.62
2,587.86
2,142.64
2,121.29
% Of Sales
-
12.37%
12.15%
13.33%
12.80%
12.50%
Provisions
-
4,177.05
3,351.36
3,365.02
3,983.92
5,056.13
% Of Sales
-
14.84%
13.93%
17.34%
23.80%
29.78%
EBITDA
10,022.78
4,967.75
3,758.95
2,842.72
1,951.35
1,024.77
EBITDA Margin
73.66%
45.58%
38.20%
34.41%
30.89%
17.35%
Depreciation
0.00
395.23
336.37
260.42
172.56
258.17
PBT
6,206.40
4,572.51
3,422.58
2,582.30
1,778.79
766.59
Exceptional Inc./Exp.
-
0.00
0.00
0.00
0.00
0.00
Provision for Tax
1,409.75
1,177.01
756.92
478.31
69.52
8.24
Tax Rate
22.71%
25.74%
22.12%
18.52%
3.91%
1.07%
PAT
4,796.65
3,395.50
2,665.66
2,103.99
1,709.27
758.35
PAT before Minority Interest
4,796.65
3,395.50
2,665.66
2,103.99
1,709.27
758.35
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
PAT Margin
26.35%
20.57%
17.19%
17.00%
15.23%
6.66%
PAT Growth
54.98%
27.38%
26.70%
23.09%
125.39%
 
EPS
2.49
1.76
1.38
1.09
0.89
0.39

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Shareholder's Funds
32,233.35
27,561.45
24,876.04
22,597.75
17,098.68
Share Capital
19,256.59
18,902.41
18,902.41
18,902.41
16,646.79
Total Reserves
12,976.76
8,659.04
5,973.63
3,695.34
451.89
Minority Interest
0.00
0.00
0.00
0.00
0.00
Deposits
3,11,938.82
2,86,121.48
2,60,973.59
2,62,213.76
2,40,352.78
Borrowings
42,227.66
30,387.17
20,803.77
3,070.64
3,671.58
Other Liabilities & Provisions
8,308.13
7,799.23
6,784.66
11,147.82
13,106.28
Total Liabilities
3,94,707.96
3,51,869.33
3,13,438.06
2,99,029.97
2,74,229.32
Net Block
4,580.58
3,725.71
3,710.65
3,365.93
2,917.86
Gross Block
8,694.54
7,545.88
7,289.06
6,707.53
6,099.36
Accumulated Depreciation
4,113.96
3,820.17
3,578.41
3,341.61
3,181.50
Total Non-Current Assets
3,82,017.59
3,35,079.14
2,96,241.51
2,82,211.65
2,57,127.72
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
Capital Work in Progress
74.24
14.48
0.09
0.11
1.12
Cash and balance with RBI
18,115.87
16,905.54
17,149.92
22,749.65
12,189.21
Balance with banks and money at call
3,103.76
1,909.36
3,670.65
14,201.61
18,793.23
Investments
1,10,587.97
99,193.92
93,642.52
97,640.79
95,484.88
Advances
2,45,555.17
2,13,330.13
1,78,067.68
1,44,253.56
1,27,741.42
Other Assets
12,690.38
16,790.19
17,196.56
16,818.33
17,101.61
Total Assets
3,94,707.97
3,51,869.33
3,13,438.07
2,99,029.98
2,74,229.33
Contingent Liabilities
1,59,405.17
1,95,742.16
1,96,131.45
97,998.90
68,296.18
Bills for collection
17,088.34
19,119.01
19,547.86
17,216.22
15,547.89
Adjusted Book Value
14.99
13.14
11.70
10.50
8.92

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Cash From Operating Activity
2,839.55
-1,118.95
-13,654.68
5,539.15
4,948.86
PBT
4,572.51
3,422.74
2,353.45
1,778.96
839.71
Adjustment
4,787.02
3,224.90
4,514.76
4,665.00
5,635.81
Adjustments for Liabilities & Assets
-8,478.05
-7,183.59
-20,186.88
-156.72
-1,404.72
Refund/(Payment) of direct taxes
1,958.06
-583.00
-336.00
-748.09
-121.95
Other Direct Payments
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-578.92
-359.29
-559.64
-49.29
-46.02
Net Fixed Assets
-1208.52
-271.02
-581.39
-606.07
Other Investment Activity
-9114.12
-8105.95
-7324.58
-6739.92
Cash from Financing Activity
144.10
-527.69
-1,916.11
478.96
1,812.84
Closing Cash & Equivalent
21,219.64
18,814.90
20,820.83
36,951.26
30,776.34
Net Cash Inflow / Outflow
2,404.73
-2,005.93
-16,130.43
5,968.82
6,715.68
Opening Cash & Equivalents
18,814.90
20,820.83
36,951.26
30,982.44
24,060.66

Financial Ratios

Standalone /

Consolidated
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 03
Mar 02
Mar 01
Book Value
14.99
13.14
11.70
10.50
8.92
34.61
24.70
20.21
NIM
2.89
2.97
2.82
2.27
2.32
3.08
2.86
3.04
Yield on Advances
11.46
11.28
10.90
11.60
13.29
20.05
20.91
21.34
Yield on Investments
6.84
6.28
6.51
6.77
7.89
0.00
0.00
0.00
Cost of Liabilities
4.87
4.49
3.96
3.93
4.54
6.11
6.89
6.95
Interest Spread
6.59
6.79
6.94
7.67
8.75
13.94
14.03
14.39
ROCE
10.28%
9.72%
8.95%
8.52%
9.99%
168.97%
207.63%
190.70%
Cost Income Ratio
46.99
56.31
51.95
48.65
48.89
54.41
58.96
74.09
Core Cost Income Ratio
48.53
60.29
51.68
52.09
58.18
54.41
58.96
74.09
Operating Costs to Assets
1.97
2.48
2.05
1.83
2.03
2.30
2.50
2.89
Loans/Deposits
0.14
0.11
0.08
0.01
0.02
0.01
0.01
0.01
Cash/Deposits
0.06
0.06
0.07
0.09
0.05
0.07
0.07
0.09
Investment/Deposits
0.35
0.35
0.36
0.37
0.40
0.51
0.47
0.43
Inc Loan/Deposits
13.54%
10.62%
7.97%
1.17%
1.53%
0.97%
0.57%
0.61%
Credit Deposits
78.72%
74.56%
68.23%
55.01%
53.15%
47.36%
47.67%
47.77%
Interest Expended / Interest earned
61.27%
59.12%
57.43%
62.26%
65.21%
64.99%
69.47%
68.58%
Interest income / Total funds
7.13%
6.84%
6.19%
5.60%
6.19%
8.45%
8.94%
9.21%
Interest Expended / Total funds
4.37%
4.04%
3.56%
3.48%
4.04%
5.49%
6.21%
6.32%
CASA
43.65%
43.87%
43.73%
43.43%
42.51%
100.00%
100.00%
100.00%

News Update:


  • Indian Overseas Bank - Quarterly Results
    15th Jan 2026, 00:00 AM

    Read More
  • Indian Overseas Bank reports 63% jump in Q3 consolidated net profit
    14th Jan 2026, 15:58 PM

    The bank’s consolidated total income increased by 14.95% at Rs 9,671.58 crore for Q3FY26

    Read More
  • Indian Overseas Bank gets nod to setup IFSC Banking Unit in GIFT City
    30th Dec 2025, 15:18 PM

    The bank has received approval from Reserve Bank of India

    Read More
  • Govt to sell 3% stake in Indian Overseas Bank
    17th Dec 2025, 15:51 PM

    The government currently holds 94.61% stake in the bank

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.