Indian Overseas Bank (IOB)

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Indian Overseas Bank (IOB) · mywealthgrid

About

Public sector bank, ₹64,682.92 Cr market cap, Jun 2026 revenue ₹8,777.57 Cr. Government owns 92.44%; public shareholding minimal at 2.8%. Jun 2026 net profit ₹1,659.24 Cr with ROE 16.26%.

Founded: 1937
Face value: ₹10

Market cap

₹58,502 Cr

P/E

9.5×

P/B

1.6×

Dividend yield

ROE

16.3%

ROCE

6.1%

Debt / equity

1.4

OPM

64.5%

EPS (TTM)

₹3.2

Book value

₹19.2

52-week high

—

52-week low

Key insights

Company research notes and source-linked reviews

Key risks

Operating margins compressed 1,108 bps in 4 quarters: 65.64% (Sep 2025) to 54.56% (Jun 2026) — verify drivers and floor
Stock underperformance: −7.06% YoY, trading 52-week low ₹33.59 (range ₹31.38–₹40.88) — clarify if fundamental weakness or valuation reset
Zero dividend since Jun 2014 despite ₹1,659.24 Cr profit (Jun 2026) — verify capital-deployment strategy
Public float 2.8% creates illiquidity; verify trading volume and institutional constraints

Generated analysis · source review pending

Growth drivers

Revenue ₹7,848.79 Cr (Sep 2025) → ₹8,777.57 Cr (Jun 2026) at ~11.8% quarterly run rate
Net profit ₹1,226.42 Cr → ₹1,659.24 Cr same period; verify if loan growth, repricing, or cost control
ROE 16.26% shows capital deployed at acceptable returns; verify cycle consistency
PE 10.5 signals valuation opportunity; verify what drives discount vs banking-sector peers

Generated analysis · source review pending

2,528 historical price candles were omitted because the exchange source has not been verified.

₹30.4-1.8%1Y

Quick read

rule-based

Pros

+Healthy operating margin of 64.5%
+Profit CAGR of 38.8% over the last 3 years
+Revenue CAGR of 18% over the last 3 years
+High promoter holding of 92.4% with no pledge

Cons

−Weak interest coverage of 1.3×
−Promoter holding fell 2.2 pts over the last year

Research score

Structured signal from quality, growth, valuation and momentum.

74/100

Business quality: 36
Growth: 88
Valuation

Revenue & net profit

₹ crore, by fiscal year

RevenuePAT

Margins

% of revenue, by fiscal year

OPMPAT margin

Peers

Comparable companies from the narrowest available industry classification.

Part ofNIFTY MIDCAP 150 NIFTY MIDSMALLCAP 400 NIFTY 500 NIFTY TOTAL MARKET NIFTY PSU BANK

Screen this industry Compare top 5 side-by-side

Company	Mkt Cap	EV	Revenue	EBITDA	OPM	PAT	NPM	ROCE	ROE	WC Days
Union Bank Of IndiaUNIONBANKUNIONBANK	₹1,27,932 Cr	₹2,05,729 Cr	₹1,07,587 Cr	₹73,406 Cr	68.7%	₹21,275 Cr	18.2%	6.3%	16.2%	—
Punjab National BankPNBPNB	₹1,25,928 Cr	₹2,33,486 Cr	₹1,31,789 Cr	₹98,411 Cr	74.7%	₹23,619 Cr	14.1%	6.1%	14%	—
Bank Of BarodaBANKBARODABANKBARODA	₹1,19,366 Cr	₹2,89,663 Cr	₹1,36,546 Cr	₹87,324 Cr	64.3%	₹18,478 Cr	14.5%	5.6%	12.5%	—
Canara BankCANBKCANBK	₹1,07,361 Cr	₹2,62,648 Cr	₹1,27,805 Cr	₹91,291 Cr	69.7%	₹20,708 Cr	15.6%	6.5%	16.7%	—
Indian BankINDIANBINDIANB	₹1,06,837 Cr	₹1,53,644 Cr	₹69,314 Cr	₹46,956 Cr	69.4%	₹13,030 Cr	17.3%	6.3%	15.8%	—
Bank Of MaharashtraMAHABANKMAHABANK	₹61,917 Cr	₹97,151 Cr	₹30,262 Cr	₹20,806 Cr	68.1%	₹7,624 Cr	24%	6%	22.6%	—
Bank Of IndiaBANKINDIABANKINDIA	₹58,948 Cr	₹1,77,574 Cr	₹77,244 Cr	₹55,814 Cr	72.3%	₹12,098 Cr	13.6%	5.9%	12.3%	—
Indian Overseas BankIOBIOB	₹58,502 Cr	₹1,10,104 Cr	₹33,290 Cr	₹20,072 Cr	64.5%	₹6,159 Cr	17%	6.1%	16.3%	—
Uco BankUCOBANKUCOBANK	₹28,753 Cr	₹57,441 Cr	₹25,067 Cr	₹14,864 Cr	59.3%	₹2,491 Cr	9.9%	5.8%	8.6%	—
Central Bank Of IndiaCENTRALBKCENTRALBK	₹27,154 Cr	₹59,008 Cr	₹37,270 Cr	₹23,376 Cr	62.2%	₹4,584 Cr	12.5%	5.6%	12%	—
Punjab & Sind BankPSBPSB	₹14,872 Cr	₹31,225 Cr	₹12,284 Cr	₹8,574 Cr	69.5%	₹1,384 Cr	11%	5.9%	9.6%	—

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Financials

Reported profit and loss, balance sheet, cash flow and growth history.

Annual Quarterly

Consolidated Standalone

Consolidated figures · ₹ crore

₹ Cr	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	16,736	19,407	24,066	28,144	31,896
Interest	10,419	11,146	14,227	17,244	19,322
Expenses	8,983	9,372	11,063	11,550	11,325
Financing profit	-2,667	-1,111	-1,224	-651	1,249
Financing margin %	-15.9%	-5.7%	-5.1%	-2.3%	3.9%
Other income	4,905	4,116	5,665	5,607	5,636
Depreciation	459	652	1,019	383	617
Profit before tax	1,779	2,353	3,423	4,573	6,478
Tax	70	249	757	1,177	1,060
Tax %	3.9%	10.6%	22.1%	25.7%	16.4%
PAT	1,709	2,104	2,666	3,396	5,418
EPS (₹)	0.9	0	1.4	1.8	2.8
EPS adjusted (₹)	0.9	1.1	1.4	1.8	2.9
Gross NPA %	9.8%	—	3.1%	2.1%	1.4%
Net NPA %	2.7%	—	0.6%	0.4%	0.2%
Annual report	Annual report for Mar 2022	Annual report for Mar 2023	Annual report for Mar 2024	Annual report for Mar 2025	Annual report for Mar 2026

₹ Cr	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity capital	18,902	18,902	18,902	19,257	19,257
Reserves	4,116	5,974	8,659	12,977	17,734
Deposits	2,62,214	2,60,974	2,86,121	3,11,939	3,68,191
Borrowings	3,071	20,804	30,387	42,228	51,603
Other liabilities	11,354	6,797	7,799	8,308	16,011
Total equity & liabilities	2,99,656	3,13,450	3,51,869	3,94,708	4,72,795
Fixed assets	3,366	3,711	3,740	4,655	5,075
Investments	98,267	93,643	99,194	1,10,588	1,19,285
	1,98,023	2,16,097	2,48,935	2,79,465	3,48,436
Total assets	2,99,656	3,13,450	3,51,869	3,94,708	4,72,795

₹ Cr	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	5,539	-15,584	-1,119	2,840	4,780
	-49	-560	-359	-579	-639
	479	13	-528	144	-138
Net cash flow	5,969	-16,131	-2,006	2,405	4,003
Free cash flow	5,483	-16,166	-1,484	2,236	4,134
CFO / Operating profit %	71.5%	-155.3%	-8.6%	17.1%	23.2%

Segment results

As reported in NSE results XBRL. Segment result is before tax and finance costs.

Source XBRL ↗

Latest reported period · 31 Mar 2026 · ₹ crore

Segment	Revenue	Result	Assets	Liabilities
Retail Banking	16,847.24	3,894.67	2,16,221.68	2,16,221.68
Corporate/Wholesale Banking	11,036.61	3,948.77	1,22,117.97	1,22,117.97
Treasury Operations	9,096.13

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Ratios

Annual operating, return, leverage and working-capital ratios.

Consolidated Standalone

Consolidated figures

Ratio	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Margins
PAT margin %	10.2%	10.8%	11.1%	12.1%	17%
Return ratios
Return on assets %	0.6%	0.7%	0.8%	0.9%	1.1%
Return on capital employed %	4.2%	4.5%	5.4%	6%	6.1%
Return on equity %	7.4%	8.5%	9.7%	10.5%	14.6%

Derived from reported annual statements. ROCE uses EBIT over capital employed (total assets less current liabilities). Margin, working-capital and leverage ratios are omitted: a bank funds itself with deposits and books interest as its cost of revenue, so they would measure something other than what they name.

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Shareholding

Quarterly ownership, named holders, insider transactions and disclosed deals.

Quarterly Annual

Every quarter filed · % of equity

Holder (%)	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	96.38%	96.38%	96.38%	96.38%	96.38%	96.38%	94.61%	94.61%	94.61%	92.44%	92.44%	92.44%
	0.15%	0.03%	0.05%	0.05%	0.03%	0.02%	0.22%	0.08%	0.31%	0.35%	0.43%	0.47%
	1.34%	1.3%	1.29%	1.3%	1.3%	1.3%	2.59%	2.37%	2.3%	4.27%	4.28%	4.29%
Government	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
	2.13%	2.29%	2.28%	2.27%	2.29%	2.3%	2.58%	2.94%	2.78%	2.94%	2.85%	2.8%
No. of shareholders	—	—	—	—	—	—	—	—	9,88,551	9,81,829	9,68,298	9,55,025

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F&O

Current futures and options contracts with compact option-chain pages.

Not in the F&O segment

Only about 210 stocks have listed futures and options. Contracts appear here for those, refreshed after each close.

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Fund holders

Mutual-fund schemes that disclosed a holding in the company.

Portfolio month

Schemes holding

across 8 fund houses

Held by these funds

0.22%

of the company's equity

All mutual funds

0.24%

shareholding pattern, Jun 2026

Portfolios as of

August 2026

compared with July 2026

31 schemes · 8 fund houses

		Shares
ETF NIFTY PSU BANK BEES	Nippon India Mutual Fund	1.61 Cr	52.24	1.29%	0.084%	-3.13 L
Portfolio of Kotak Nifty PSU Bank ETF	Kotak Mahindra Mutual Fund	1.08 Cr	35.1	1.29%	0.056%	+8.42 L
NIFTY PSU BANK ETF	DSP Mutual Fund	55.39 L	17.99	1.29%	0.029%	+7.77 L
Nifty Smallcap 250 Index Fund	Nippon India Mutual Fund	23.27 L	7.56	0.21%	0.012%	+28,456
BSE PSU Bank ETF	SBI Mutual Fund	16.34 L	5.3	1.36%	0.008%	-18.21 L
BSE PSU Bank Index Fund	SBI Mutual Fund	14.96 L	4.85	1.37%	0.008%	+3,634
Nifty Smallcap 250 Index Fund	SBI Mutual Fund	11.83 L	3.84	0.21%	0.006%	+13,226
(Investment Manager for Motilal Oswal Mutual Fund)	Motilal Oswal Mutual Fund	8.57 L	2.78	0.21%	0.004%	+7,783

1–8 of 31

1 / 4

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Documents

Annual reports, exchange filings, offer documents, ratings and earnings-call material.

Announcements

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Events

Upcoming dates and the company’s corporate-action history.

8

Final dividend19 Jun 2014 · ex-date₹0.5
Interim dividend10 Feb 2014 · ex-date₹0.7
Dividend dividend20 Jun 2013 · ex-date₹2
Dividend dividend21 Jun 2012 · ex-date₹4.5
Dividend dividend4 Jul 2011 · ex-date₹5
Dividend dividend26 May 2010 · ex-date₹3.5
Dividend dividend21 May 2009 · ex-date₹4.5
Dividend dividend5 May 2008 · ex-date₹3.5

1

Board meeting to consider results20 Jul 2026

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Announcements

Latest exchange announcements, filings and downloadable documents.

1 month 3 months 6 months 1 year All

17 announcementsExport CSV

28 Sept 2026, 5:07 pmInsider Trading / SAST

Closure of Trading Window

Closure of Trading Window PDF

13 Aug 2026, 6:23 pmCorp. Action

Announcement under Regulation 30 (LODR)-Interest Rates Updates

Interest Rates Updates PDF

31 Jul 2026, 2:45 pmCompany Update

Announcement under Regulation 30 (LODR)-Credit Rating

Credit Rating PDF

24 Jul 2026, 7:28 pmCompany Update

Announcement under Regulation 30 (LODR)-Earnings Call Transcript

Earnings Call Transcript PDF

21 Jul 2026, 6:00 pmCompany Update

Announcement under Regulation 30 (LODR)-Newspaper Publication

Newspaper Publication PDF

20 Jul 2026, 9:23 pmCompany Update

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

Analyst / Investor Meet PDF

20 Jul 2026, 3:40 pmCompany Update

Announcement under Regulation 30 (LODR)-Investor Presentation

Investor Presentation PDF

20 Jul 2026, 2:27 pmCompany Update

Announcement under Regulation 30 (LODR)-Press Release / Media Release

Press Release / Media Release PDF

Date	Category	Subject	Filing
28 Sept 2026, 5:07 pm	Insider Trading / SAST Closure of Trading Window	Closure of Trading Window	PDF
13 Aug 2026, 6:23 pm	Corp. Action Interest Rates Updates	Announcement under Regulation 30 (LODR)-Interest Rates Updates	PDF

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Indian Overseas Bank

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Segment results

Ratios

Shareholding

F&O

Not in the F&O segment

Fund holders

Documents

Announcements

Events

8

1

Announcements

8

1

Not in the F&O segment

Announcements

Annual reports

Credit ratings

Investor Presentation and earnings call

Segment results

Compounded sales growth

Compounded profit growth

Return on equity

Corporate / Wholesale Banking · revenue

Indian Overseas Bank

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Profit & loss

Balance sheet

Cash flow

Segment results

Ratios

Ratio timeline

Shareholding

Quarterly record

F&O

Not in the F&O segment

Fund holders

Documents

Announcements

Events

Dividends8

Board meetings1

Announcements

Dividends8

Board meetings1

Ratio timeline

Not in the F&O segment

Announcements

Quarterly record

Annual reports

Credit ratings

Investor Presentation and earnings call

Board and management

Profit & loss

Balance sheet

Cash flow

Segment results

Compounded returns

Compounded sales growth

Compounded profit growth

Return on equity

Corporate / Wholesale Banking · revenue

8

1

8

1