Nifty
Sensex
:
:
24270.85
77763.91
95.15 (0.39%)
261.79 (0.34%)

Bank - Public

Rating :
64/99

BSE: 532388 | NSE: IOB

34.37
03-Jul-2026
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  34.59
  •  34.67
  •  34.3
  •  34.46
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  2728852
  •  93847877.98
  •  41.8
  •  31.2

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 66,223.41
  • 12.22
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 1,01,220.06
  • N/A
  • 1.97

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 92.44%
  • 0.11%
  • 2.40%
  • FII
  • DII
  • Others
  • 0.43%
  • 3.94%
  • 0.68%

Chart

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

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • -

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • 25.95
  • 26.67

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 2.40
  • 3.30

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 29.88
  • 30.14
  • 27.11

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 1.51
  • 2.40
  • 3.30

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 28.33
  • 27.65
  • 12.99

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Var%
Dec 25
Dec 24
Var%
Sep 25
Sep 24
Var%
Jun 25
Jun 24
Var%
Interest Earned
8,488.96
7,634.81
11.19%
8,172.39
7,115.88
14.85%
7,850.89
6,853.94
14.55%
7,387.49
6,539.01
12.98%
Interest Exp.
5,019.25
4,510.42
11.28%
4,873.85
4,323.94
12.72%
4,789.64
4,314.55
11.01%
4,639.30
4,095.57
13.28%
Net Interest Income
3,469.71
3,124.39
11.05%
3,298.54
2,791.94
18.15%
3,061.25
2,539.39
20.55%
2,748.19
2,443.44
12.47%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
1,290.91
1,581.07
-18.35%
1,499.19
1,298.08
15.49%
1,365.44
1,633.59
-16.41%
1,480.39
1,033.24
43.28%
Total Income
9,779.87
9,215.88
6.12%
9,671.58
8,413.96
14.95%
9,216.33
8,487.53
8.59%
8,867.88
7,572.25
17.11%
Operating Exp.
2,095.57
2,087.62
0.38%
2,194.63
1,823.78
20.33%
2,025.17
2,044.69
-0.95%
1,869.98
1,800.18
3.88%
Operating Profit
2,665.05
2,617.84
1.80%
2,603.10
2,266.24
14.86%
2,401.52
2,128.29
12.84%
2,358.60
1,676.50
40.69%
Provision
1,005.96
1,064.22
-5.47%
1,235.65
1,028.64
20.12%
672.46
1,146.31
-41.34%
844.05
937.88
-10.00%
PBT
1,659.09
1,553.62
6.79%
1,367.45
1,237.60
10.49%
1,729.06
981.98
76.08%
1,514.55
738.62
105.05%
PBTM
19.54
20.35
-3.98%
16.73
17.39
-3.80%
22.02
14.33
53.66%
20.50
11.30
81.42%
TAX
153.64
503.40
-69.48%
2.33
363.71
-99.36%
501.16
204.73
144.79%
402.86
105.18
283.02%
PAT
1,505.45
1,050.22
43.35%
1,365.12
873.89
56.21%
1,227.90
777.25
57.98%
1,111.69
633.44
75.50%
PATM
17.73%
13.76%
16.70%
12.28%
15.64%
11.34%
15.05%
9.69%
EPS
0.78
0.55
41.82%
0.71
0.45
57.78%
0.64
0.40
60.00%
0.58
0.33
75.76%
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 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Net Interest Income
-
12,573.64
10,899.16
9,839.17
8,260.68
6,316.35
5,906.11
Interest Earned
-
31,895.68
28,143.64
24,065.67
19,406.97
16,735.84
16,975.56
Interest Expended
-
19,322.04
17,244.48
14,226.50
11,146.29
10,419.49
11,069.45
Int. income Growth
-
15.36%
10.77%
19.11%
30.78%
6.95%
 
Other Income
-
5,846.90
5,606.67
5,665.30
4,116.45
4,905.33
5,485.65
Total Income
-
18,420.54
16,505.83
15,504.47
12,377.13
11,221.68
11,391.76
Total Expenditure
-
11,420.91
11,538.08
11,745.52
9,534.41
9,270.33
10,366.99
Employee Cost
-
4,688.77
4,669.17
6,143.28
4,102.37
3,488.89
3,705.91
% Of Sales
-
14.70%
16.59%
25.53%
21.14%
20.85%
21.83%
Opt. & Establishment Exp.
-
4,016.40
3,482.32
2,923.62
2,587.86
2,142.64
2,121.29
% Of Sales
-
12.59%
12.37%
12.15%
13.33%
12.80%
12.50%
Provisions
-
3,758.10
4,177.05
3,351.36
3,365.02
3,983.92
5,056.13
% Of Sales
-
11.78%
14.84%
13.93%
17.34%
23.80%
29.78%
EBITDA
-
6,999.63
4,967.75
3,758.95
2,842.72
1,951.35
1,024.77
EBITDA Margin
-
55.67%
45.58%
38.20%
34.41%
30.89%
17.35%
Depreciation
-
521.18
395.23
336.37
260.42
172.56
258.17
PBT
-
6,478.46
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
0.00
Provision for Tax
-
1,059.99
1,177.01
756.92
478.31
69.52
8.24
Tax Rate
-
16.36%
25.74%
22.12%
18.52%
3.91%
1.07%
PAT
-
5,418.47
3,395.50
2,665.66
2,103.99
1,709.27
758.35
PAT before Minority Interest
-
5,418.47
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
-
29.42%
20.57%
17.19%
17.00%
15.23%
6.66%
PAT Growth
-
59.58%
27.38%
26.70%
23.09%
125.39%
 
EPS
-
2.81
1.76
1.38
1.09
0.89
0.39

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Shareholder's Funds
36,990.67
32,233.35
27,561.45
24,876.04
22,597.75
17,098.68
Share Capital
19,256.59
19,256.59
18,902.41
18,902.41
18,902.41
16,646.79
Total Reserves
17,734.08
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
0.00
Deposits
3,68,191.25
3,11,204.18
2,86,121.48
2,60,973.59
2,62,213.76
2,40,352.78
Borrowings
51,602.57
42,227.66
30,387.17
20,803.77
3,070.64
3,671.58
Other Liabilities & Provisions
16,010.70
9,044.81
7,799.23
6,784.66
11,147.82
13,106.28
Total Liabilities
4,72,795.19
3,94,710.00
3,51,869.33
3,13,438.06
2,99,029.97
2,74,229.32
Net Block
5,007.19
4,580.58
3,725.71
3,710.65
3,365.93
2,917.86
Gross Block
9,218.39
8,680.59
7,545.88
7,289.06
6,707.53
6,099.36
Accumulated Depreciation
4,211.20
4,100.01
3,820.17
3,578.41
3,341.61
3,181.50
Total Non-Current Assets
4,56,203.80
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
0.00
Capital Work in Progress
67.35
74.24
14.48
0.09
0.11
1.12
Cash and balance with RBI
16,605.93
18,115.87
16,905.54
17,149.92
22,749.65
12,189.21
Balance with banks and money at call
8,616.65
3,103.76
1,909.36
3,670.65
14,201.61
18,793.23
Investments
1,19,284.87
1,10,587.97
99,193.92
93,642.52
97,640.79
95,484.88
Advances
3,06,621.81
2,45,555.17
2,13,330.13
1,78,067.68
1,44,253.56
1,27,741.42
Other Assets
16,591.39
12,692.40
16,790.19
17,196.56
16,818.33
17,101.61
Total Assets
4,72,795.19
3,94,709.99
3,51,869.33
3,13,438.07
2,99,029.98
2,74,229.33
Contingent Liabilities
1,53,282.74
1,59,405.17
1,95,742.16
1,96,131.45
97,998.90
68,296.18
Bills for collection
18,383.96
17,088.34
19,119.01
19,547.86
17,216.22
15,547.89
Adjusted Book Value
17.43
14.99
13.14
11.70
10.50
8.92

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Cash From Operating Activity
4,779.66
2,647.08
-1,118.95
-13,654.68
5,539.15
4,948.86
PBT
6,478.46
4,572.51
3,422.74
2,353.45
1,778.96
839.71
Adjustment
4,377.34
4,594.56
3,224.90
4,514.76
4,665.00
5,635.81
Adjustments for Liabilities & Assets
-5,532.59
-8,478.05
-7,183.59
-20,186.88
-156.72
-1,404.72
Refund/(Payment) of direct taxes
-543.56
1,958.06
-583.00
-336.00
-748.09
-121.95
Other Direct Payments
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-638.92
-578.92
-359.29
-559.64
-49.29
-46.02
Net Fixed Assets
-530.91
-1208.52
-271.02
-581.39
-606.07
Other Investment Activity
-9864.66
-9114.12
-8105.95
-7324.58
-6739.92
Cash from Financing Activity
-137.80
336.57
-527.69
-1,916.11
478.96
1,812.84
Closing Cash & Equivalent
25,222.57
21,219.64
18,814.90
20,820.83
36,951.26
30,776.34
Net Cash Inflow / Outflow
4,002.94
2,404.73
-2,005.93
-16,130.43
5,968.82
6,715.68
Opening Cash & Equivalents
21,219.64
18,814.90
20,820.83
36,951.26
30,982.44
24,060.66

Financial Ratios

Standalone /

Consolidated
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 03
Mar 02
Mar 01
Book Value
17.43
14.99
13.14
11.70
10.50
8.92
34.61
24.70
20.21
NIM
2.79
2.89
2.97
2.82
2.27
2.32
3.08
2.86
3.04
Yield on Advances
10.40
11.46
11.28
10.90
11.60
13.29
20.05
20.91
21.34
Yield on Investments
6.66
6.84
6.28
6.51
6.77
7.89
0.00
0.00
0.00
Cost of Liabilities
4.60
4.88
4.49
3.96
3.93
4.54
6.11
6.89
6.95
Interest Spread
5.80
6.58
6.79
6.94
7.67
8.75
13.94
14.03
14.39
ROCE
11.31%
10.28%
9.72%
8.95%
8.52%
9.99%
168.97%
207.63%
190.70%
Cost Income Ratio
44.43
46.99
56.31
51.95
48.65
48.89
54.41
58.96
74.09
Core Cost Income Ratio
45.49
48.53
60.29
51.68
52.09
58.18
54.41
58.96
74.09
Operating Costs to Assets
1.73
1.97
2.48
2.05
1.83
2.03
2.30
2.50
2.89
Loans/Deposits
0.14
0.14
0.11
0.08
0.01
0.02
0.01
0.01
0.01
Cash/Deposits
0.05
0.06
0.06
0.07
0.09
0.05
0.07
0.07
0.09
Investment/Deposits
0.32
0.36
0.35
0.36
0.37
0.40
0.51
0.47
0.43
Inc Loan/Deposits
14.02%
13.57%
10.62%
7.97%
1.17%
1.53%
0.97%
0.57%
0.61%
Credit Deposits
83.28%
78.90%
74.56%
68.23%
55.01%
53.15%
47.36%
47.67%
47.77%
Interest Expended / Interest earned
60.58%
61.27%
59.12%
57.43%
62.26%
65.21%
64.99%
69.47%
68.58%
Interest income / Total funds
6.75%
7.13%
6.84%
6.19%
5.60%
6.19%
8.45%
8.94%
9.21%
Interest Expended / Total funds
4.09%
4.37%
4.04%
3.56%
3.48%
4.04%
5.49%
6.21%
6.32%
CASA
40.99%
43.52%
43.87%
43.73%
43.43%
42.51%
100.00%
100.00%
100.00%

News Update:


  • Indian Overseas Bank gets IFSCA’s license to setup IFSC banking unit in GIFT City
    3rd Jun 2026, 11:18 AM

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

    Read More
  • Indian Overseas Bank - Quarterly Results
    30th Apr 2026, 00:00 AM

    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.