Nifty
Sensex
:
:
24741.00
80710.76
6.70 (0.03%)
-7.25 (-0.01%)

Bank - Public

Rating :
54/99

BSE: 532388 | NSE: IOB

38.49
05-Sep-2025
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  38.04
  •  38.6
  •  37.72
  •  37.96
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  5041667
  •  192515996.03
  •  61.8
  •  33.5

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 74,157.13
  • 18.89
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 98,268.92
  • N/A
  • 2.49

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 94.61%
  • 0.24%
  • 2.38%
  • FII
  • DII
  • Others
  • 0.08%
  • 1.96%
  • 0.73%

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
  • 2.03
  • 3.29

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 29.94
  • 36.72
  • 30.61

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 1.29
  • 2.03
  • 3.29

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 28.52
  • 34.53
  • 14.69

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Jun 25
Jun 24
Var%
Mar 25
Mar 24
Var%
Dec 24
Dec 23
Var%
Sep 24
Sep 23
Var%
Interest Earned
7,387.49
6,539.01
12.98%
7,634.81
6,633.50
15.09%
7,115.88
6,179.84
15.15%
6,853.94
5,824.90
17.67%
Interest Exp.
4,639.30
4,095.57
13.28%
4,510.42
3,867.77
16.62%
4,323.94
3,779.68
14.40%
4,314.55
3,476.60
24.10%
Net Interest Income
2,748.19
2,443.44
12.47%
3,124.39
2,765.73
12.97%
2,791.94
2,400.16
16.32%
2,539.39
2,348.30
8.14%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
1,480.39
1,033.24
43.28%
1,622.79
2,479.17
-34.54%
1,299.46
1,262.82
2.90%
1,635.96
1,116.60
46.51%
Total Income
8,867.88
7,572.25
17.11%
9,257.60
9,112.67
1.59%
8,415.34
7,442.66
13.07%
8,489.90
6,941.50
22.31%
Operating Exp.
1,869.98
1,800.18
3.88%
2,087.62
3,281.38
-36.38%
1,823.78
1,881.31
-3.06%
2,044.69
1,785.08
14.54%
Operating Profit
2,358.60
1,676.50
40.69%
2,659.56
1,963.52
35.45%
2,267.62
1,781.67
27.27%
2,130.66
1,679.82
26.84%
Provision
844.05
937.88
-10.00%
1,064.22
767.56
38.65%
1,028.64
701.37
46.66%
1,146.31
1,044.32
9.77%
PBT
1,514.55
738.62
105.05%
1,595.34
1,195.96
33.39%
1,238.98
1,080.30
14.69%
984.35
635.50
54.89%
PBTM
20.50
11.30
81.42%
20.90
18.03
15.92%
17.41
17.48
-0.40%
14.36
10.91
31.62%
TAX
402.86
105.18
283.02%
503.40
385.54
30.57%
363.71
356.16
2.12%
204.73
8.32
2,360.70%
PAT
1,111.69
633.44
75.50%
1,091.94
810.42
34.74%
875.27
724.14
20.87%
779.62
627.18
24.31%
PATM
15.05%
9.69%
14.30%
12.22%
12.30%
11.72%
11.37%
10.77%
EPS
0.58
0.33
75.76%
0.57
0.42
35.71%
0.45
0.38
18.42%
0.40
0.33
21.21%
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
Mar 03
Mar 02
Net Interest Income
11,203.91
10,899.16
9,839.17
8,260.68
6,316.35
5,906.11
1,219.83
967.91
Interest Earned
28,992.12
28,143.64
24,065.67
19,406.97
16,735.84
16,975.56
3,484.56
3,170.69
Interest Expended
17,788.21
17,244.48
14,226.50
11,146.29
10,419.49
11,069.45
2,264.73
2,202.78
Int. income Growth
12.52%
10.77%
19.11%
30.78%
6.95%
384.17%
26.03%
 
Other Income
6,038.60
5,606.67
5,665.30
4,116.45
4,905.33
5,485.65
525.19
536.02
Total Income
35,030.72
16,505.83
15,504.47
12,377.13
11,221.68
11,391.76
1,745.02
1,503.93
Total Expenditure
7,826.07
11,538.08
11,745.52
9,534.41
9,270.33
10,366.99
1,328.05
1,272.88
Employee Cost
-
4,669.17
6,143.28
4,102.37
3,488.89
3,705.91
0.00
0.00
% Of Sales
-
16.59%
25.53%
21.14%
20.85%
21.83%
0%
0%
Opt. & Establishment Exp.
-
3,482.32
2,923.62
2,587.86
2,142.64
2,121.29
1,328.05
1,272.88
% Of Sales
-
12.37%
12.15%
13.33%
12.80%
12.50%
38.11%
40.15%
Provisions
-
4,177.05
3,351.36
3,365.02
3,983.92
5,056.13
378.56
386.15
% Of Sales
-
14.84%
13.93%
17.34%
23.80%
29.78%
10.86%
12.18%
EBITDA
9,416.44
4,967.75
3,758.95
2,842.72
1,951.35
1,024.77
416.97
231.05
EBITDA Margin
73.01%
45.58%
38.20%
34.41%
30.89%
17.35%
34.18%
23.87%
Depreciation
0.00
395.23
336.37
260.42
172.56
258.17
0.00
0.00
PBT
5,333.22
4,572.51
3,422.58
2,582.30
1,778.79
766.59
416.97
231.05
Exceptional Inc./Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provision for Tax
1,474.70
1,177.01
756.92
478.31
69.52
8.24
0.00
0.00
Tax Rate
27.65%
25.74%
22.12%
18.52%
3.91%
1.07%
0.00%
0.00%
PAT
3,858.52
3,395.50
2,665.66
2,103.99
1,709.27
758.35
416.97
231.05
PAT before Minority Interest
3,858.52
3,395.50
2,665.66
2,103.99
1,709.27
758.35
416.97
231.05
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT Margin
22.38%
20.57%
17.19%
17.00%
15.23%
6.66%
23.89%
15.36%
PAT Growth
38.04%
27.38%
26.70%
23.09%
125.39%
81.87%
80.47%
 
EPS
2.00
1.76
1.38
1.09
0.89
0.39
0.22
0.12

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 03
Mar 02
Mar 01
Shareholder's Funds
32,233.35
27,561.45
24,876.04
22,597.75
17,098.68
1,539.34
1,098.81
898.96
Share Capital
19,256.59
18,902.41
18,902.41
18,902.41
16,646.79
444.80
444.80
444.80
Total Reserves
12,976.76
8,659.04
5,973.63
3,695.34
451.89
1,094.54
654.01
454.16
Minority Interest
0.00
0.00
0.00
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
36,698.59
31,808.48
27,414.16
Borrowings
42,227.66
30,387.17
20,803.77
3,070.64
3,671.58
355.96
180.08
166.57
Other Liabilities & Provisions
8,308.13
7,799.23
6,784.66
11,147.82
13,106.28
2,641.78
2,389.29
1,850.55
Total Liabilities
3,94,707.96
3,51,869.33
3,13,438.06
2,99,029.97
2,74,229.32
41,235.67
35,476.66
30,330.24
Net Block
4,580.58
3,725.71
3,710.65
3,365.93
2,917.86
382.89
386.76
378.95
Gross Block
8,694.54
7,545.88
7,289.06
6,707.53
6,099.36
382.89
386.76
378.95
Accumulated Depreciation
4,113.96
3,820.17
3,578.41
3,341.61
3,181.50
0.00
0.00
0.00
Total Non-Current Assets
3,82,017.59
3,35,079.14
2,96,241.51
2,82,211.65
2,57,127.72
40,014.16
34,188.26
29,278.14
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Work in Progress
74.24
14.48
0.09
0.11
1.12
0.00
0.00
0.00
Cash and balance with RBI
18,115.87
16,905.54
17,149.92
22,749.65
12,189.21
2,687.94
2,212.54
2,340.86
Balance with banks and money at call
3,103.76
1,909.36
3,670.65
14,201.61
18,793.23
906.20
1,412.08
1,745.41
Investments
1,10,587.97
99,193.92
93,642.52
97,640.79
95,484.88
18,656.78
15,014.54
11,717.41
Advances
2,45,555.17
2,13,330.13
1,78,067.68
1,44,253.56
1,27,741.42
17,380.35
15,162.34
13,095.51
Other Assets
12,690.38
16,790.19
17,196.56
16,818.33
17,101.61
1,221.51
1,288.40
1,052.10
Total Assets
3,94,707.97
3,51,869.33
3,13,438.07
2,99,029.98
2,74,229.33
41,235.67
35,476.66
30,330.24
Contingent Liabilities
1,59,405.17
1,95,742.16
1,96,131.45
97,998.90
68,296.18
7,001.33
5,386.85
5,091.09
Bills for collection
17,088.34
19,119.01
19,547.86
17,216.22
15,547.89
0.00
0.00
0.00
Adjusted Book Value
14.99
13.14
11.70
10.50
8.92
34.61
24.70
20.21

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 03
Mar 02
Cash From Operating Activity
2,839.55
-1,118.95
-13,654.68
5,539.15
4,948.86
-77.43
-527.66
PBT
4,572.51
3,422.74
2,353.45
1,778.96
839.71
0.00
0.00
Adjustment
4,787.02
3,224.90
4,514.76
4,665.00
5,635.81
458.71
276.89
Adjustments for Liabilities & Assets
-8,478.05
-7,183.59
-20,186.88
-156.72
-1,404.72
-536.14
-804.56
Refund/(Payment) of direct taxes
1,958.06
-583.00
-336.00
-748.09
-121.95
0.00
0.00
Other Direct Payments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-578.92
-359.29
-559.64
-49.29
-46.02
-36.48
-51.35
Net Fixed Assets
-1208.52
-271.02
-581.39
-606.07
-5495.45
-36.49
Other Investment Activity
-9114.12
-8105.95
-7324.58
-6739.92
-6124.31
-643.73
Cash from Financing Activity
144.10
-527.69
-1,916.11
478.96
1,812.84
83.44
117.40
Closing Cash & Equivalent
21,219.64
18,814.90
20,820.83
36,951.26
30,776.34
3,594.15
3,624.62
Net Cash Inflow / Outflow
2,404.73
-2,005.93
-16,130.43
5,968.82
6,715.68
-30.48
-461.62
Opening Cash & Equivalents
18,814.90
20,820.83
36,951.26
30,982.44
24,060.66
3,624.62
4,086.24

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:


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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.