- Next results date: the board meets on 26 Oct 2026 to consider: financial results.
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies.
- ₹55,228 Cr163rd largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. The filing of 19 Sep 2026
- 9.3
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. The filing of 19 Sep 2026
- 1.5
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- Nonein the last 12 months
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it. The filing of 19 Sep 2026
- 17.2%
- NIMNet interest margin. Net interest income ÷ the average assets that earn interest × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. For the year to Mar 2026. For the whole group.
- 3.17%
- Gross NPAGross NPA, non-performing loans. Gross non-performing loans as a percentage of all loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is below the net share. At the end of Jun 2026. For the company alone, not its group: the regulator measures it company by company.
- 1.33%
- Net NPANet NPA, non-performing loans. Net non-performing loans as a percentage of loans, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, where the figure is outside what it can be, where the filing's own amounts show it written on another scale or rounded to the whole per cent, where it is 0 for a bank that lends, or where it is above the gross share. At the end of Jun 2026. For the company alone, not its group: the regulator measures it company by company.
- 0.18%
- CET1Common equity tier 1 ratio. The bank's core capital, mostly shareholders' money, as a percentage of its loans and other assets weighted by risk, as the bank states it, in per cent on the one scale its filing writes all its ratios in; not given where that scale cannot be told, or where the figure is outside what it can be. At the end of Jun 2026. For the company alone, not its group: the regulator measures it company by company.
- 16.88%
- ROAReturn on assets. Profit after tax ÷ average total assets × 100 × 12 ÷ the months in the period, a rate per year; given only where the balance sheets at the start and at the end of the period are both held; not given for an insurer. It equals net interest income + other income − operating expenses − provisions + exceptional items − tax + the lines below tax, each on the same base. For the year to Mar 2026. For the whole group.
- 1.25%
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day.
- 45,42,06645.1% delivered
Results
Standalone, as consolidated accounts are on record for only 5 of the last ten years; ₹ crore, the charts by years to March, the table by quarter. Total income is interest earned plus other income, fees and treasury gains among it.Quarterly results
Quarter to Jun 2026, against the quarter beforeFiled 20 Jul
- Total incomeTotal income. The pill is the change in total income against the quarter before: this period's figure divided by that one's, less one, in per cent.
- ₹10,938 Crup 11.84%
- Net profitNet profit. The pill is the change in net profit against the quarter before: this period's figure divided by that one's, less one, in per cent.
- ₹1,659 Crup 10.22%
Total income by year
Peak total income ₹37,532 Cr, year to Mar 2026
Net profit by year, a loss in red
- Net profit
- Loss
A loss in 4 of the 10 years shown
| ₹ crore | Sep 2024Filed 18 Oct | Dec 2024Filed 20 Jan | Mar 2025Filed 2 May | Jun 2025Filed 18 Jul | Sep 2025Filed 16 Oct | Dec 2025Filed 14 Jan | Mar 2026Filed 29 Apr | Jun 2026Filed 20 Jul |
|---|---|---|---|---|---|---|---|---|
| Total income | 8,484 | 8,409 | 9,215 | 8,866 | 9,214 | 9,672 | 9,780 | 10,938 |
| Net profit | 777 | 874 | 1,051 | 1,111 | 1,226 | 1,365 | 1,505 | 1,659 |
Standalone. The last eight quarters. The latest is shaded.
Business segments
Share of revenue, year to Mar 2026, consolidated.Segment revenue and profit
- Retail BankingRetail Banking, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹16,847 Crup 17.70%44.8%
- Corporate/Wholesale BankingCorporate/Wholesale Banking, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹11,037 Crup 9.63%29.4%
- Treasury OperationsTreasury Operations, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹9,096 Crup 13.82%24.2%
- Other Banking OperationsOther Banking Operations, share of revenue. The segment's revenue as a percentage of the revenue of all the company's reported business segments together, leaving out eliminations between them and unallocated items.₹614 Crdown 4.16%1.6%
The pill is the change in revenue on the year before; the share is of all the businesses together.
Valuation
Today, against the company's own history. Not shown, EV/EBITDA: not used for a lender or an insurer. Dividend yield is not shown: no dividend in the years on record.PE ratio and valuation history
Price to earningsPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit.
At or below today's level on 0.1% of 1,005 trading days over the last 5 years.
LowestHighest
Its median22.4Industry median6.9
Price to bookPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet.
At or below today's level on 8% of 1,237 trading days over the last 5 years.
LowestHighest
Its median2.1Industry median0.9
Where the return came from
Yearly rates to Mar 2026, per-share figures restated for splits and bonuses.
| Over | Return a year | Earnings growth | Change in P/E | Dividend yield |
|---|---|---|---|---|
| 1 year | −19.5% | +53.4% | −47.5% | 0.0% |
| 3 years | +11.8% | +1.0% | +10.7% | 0.0% |
| 5 years | +14.4% | +39.6% | −18.0% | 0.0% |
Return is price growth plus the average dividend yield. Change in P/E is (1 + price growth) / (1 + earnings growth) - 1, so the parts compound rather than add. Earnings growth over 3 years is on profit divided by shares in issue at both ends: the earnings per share stated for one end does not match that year's profit and share count. Earnings growth over 3 years includes one-off items (exceptional items and the result of businesses sold or closed) of more than a tenth of the profit of the year to Mar 2023.
Mutual funds holding it
70 funds disclosed a holding for Sep 2026. What they did in Sep 2026, against each fund's month before. 35 of the 35 funds that added or cut are index funds, ETFs or arbitrage funds: an index fund or ETF holds what its index holds, and an arbitrage fund holds the share against a sale of its future.Mutual fund holdings
- Bought for the first timeBought for the first time. Funds that held it at the month's end and had not held it in any month on record before.
- 4
- Bought againBought again. Funds that held it at the month's end, had not held it the month before, and held it in an earlier month.
- 31
- AddedAdded. Funds that held more shares than at the end of the month before.
- 13
- CutCut. Funds that held fewer shares than at the end of the month before.
- 22
- Sold outSold out. Funds that held it at the end of the month before and hold none at this month's end.
- 18
| Fund | |||
|---|---|---|---|
 Nippon India ETF Nifty PSU Bank BeESNippon India Mutual Fund | 1,67,37,266 | 1.32% | ₹51.8 Cr |
 Kotak Nifty PSU Bank ETFKotak Mahindra Mutual Fund | 1,06,05,401 | 1.32% | ₹32.8 Cr |
 DSP Nifty PSU Bank ETFDSP Mutual Fund | 61,05,135 | 1.32% | ₹18.9 Cr |
 SBI BSE PSU Bank Index FundSBI Mutual Fund | 14,82,841 | 1.38% | ₹4.60 Cr |
 Motilal Oswal Nifty Midcap 150 Index FundMotilal Oswal Mutual Fund | 14,37,575 | 0.11% | ₹4.45 Cr |
| Nippon India ETF Nifty Midcap 150Nippon India Mutual Fund | 13,80,454 | 0.11% | ₹4.27 Cr |
| Nippon India Nifty Midcap 150 Index FundNippon India Mutual Fund | 9,66,949 | 0.11% | ₹2.99 Cr |
 Mirae Asset Nifty Midcap 150 ETFMirae Asset Mutual Fund | 6,53,749 | 0.11% | ₹2.02 Cr |
| SBI BSE PSU Bank ETFSBI Mutual Fund | 5,08,619 | 1.38% | ₹1.58 Cr |
 ICICI Prudential Nifty PSU Bank ETFICICI Prudential Mutual Fund | 5,05,082 | 1.32% | ₹1.56 Cr |
Portfolios disclosed for Sep 2026. Weight is the holding as a share of the fund's assets.
Peers and competitors
Public Sector Bank, 12 listed companies, priced on 23 Oct 2026. The table lists the 8 companies closest to Indian Overseas Bank in market cap.
Where the company sits among the companies nearest its size
| Company | |||||||||
|---|---|---|---|---|---|---|---|---|---|
 Bank of BarodaBANKBARODA | 1,19,407 | – | 0.7 | +2.7% | – | – | 0.98% | 2.83% | 3.68% |
 Indian BankINDIANB | 1,12,761 | 8.5 | 1.3 | +12.4% | +17.2% | 16.1% | 1.25% | 3.07% | 2.18% |
 Canara BankCANBK | 1,05,365 | 5.2 | 0.8 | −6.8% | +17.7% | 16.8% | 0.99% | 2.21% | 3.62% |
 Bank of IndiaBANKINDIA | 59,640 | 5.1 | 0.7 | +6.0% | +24.1% | 13.8% | 0.92% | 2.47% | 3.55% |
 Bank of MaharashtraMAHABANK | 57,933 | 7.7 | 1.7 | +15.2% | +31.0% | 24.3% | 1.76% | 3.83% | 2.92% |
 UCO BankUCOBANK | 27,123 | 9.1 | 0.8 | +4.4% | +18.4% | 8.9% | 0.73% | 2.89% | 2.03% |
 Central Bank of IndiaCENTRALBK | 26,095 | 5.4 | 0.6 | +8.3% | +5.2% | 12.0% | 0.88% | 2.99% | 3.47% |
 Punjab & Sind BankPSB | 12,921 | 8.6 | 0.9 | +3.2% | +29.6% | 10.7% | 0.78% | 2.46% | 2.14% |
Market cap in ₹ crore. Growth is the last twelve months against the twelve before. A figure is left empty where it would rest on a loss or the company has under a year of results on record. ROE is the shareholders' profit over their net worth. ROA is the year's profit over average total assets. NIM is net interest income over average loans and investments. Income growth is the growth of everything the company earns: interest, fees, premiums and the rest.
Dividends
Per share, by the year it was paid for, and the latest payments.Dividend history and dates
| Ex-date | Type | Per share |
|---|---|---|
| 19 Jun 2014 | Final | ₹0.50 |
| 10 Feb 2014 | Interim | ₹0.70 |
| 20 Jun 2013 | Final | ₹2.00 |
| 21 Jun 2012 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. | ₹4.50 |
| 4 Jul 2011 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. | ₹5.00 |
| 26 May 2010 | FinalFinal dividend. Called final by its date: the company did not say which kind it was, and it went ex within six months after the company's year end, the time in which the annual general meeting that declares the final dividend must be held. | ₹3.50 |
Latest payments, as declared, by ex-date.
Latest announcements
Routine notices left out.Share news and announcements
Oct 2026
12 Oct · General Updates
7 Oct · General Updates
Indian Overseas Bank share price by year
Each calendar year to 2025.Indian Overseas Bank share price history
| Year | Close at year end | Change | Highest close | Lowest close |
|---|---|---|---|---|
| 2025 | 36.13 | −30.2% | 53.77 | 33.84 |
| 2024 | 51.76 | +19.5% | 79.65 | 42.70 |
| 2023 | 43.30 | +34.9% | 48.40 | 21.10 |
| 2022 | 32.10 | +57.7% | 34.75 | 15.35 |
| 2021 | 20.35 | +90.2% | 28.05 | 10.35 |
| 2020 | 10.70 | −5.3% | 13.10 | 6.70 |
| 2019 | 11.30 | −24.4% | 15.20 | 9.20 |
| 2018 | 14.95 | −32.4% | 24.15 | 11.55 |
| 2017 | 22.10 | −8.9% | 31.50 | 22.05 |
| 2016 | 24.25 | −21.9% | 31.95 | 22.70 |
₹ per share, adjusted for splits and bonuses since. Change is on the close at the end of the year before.
Recent sessions
The last 10 trading days to 23 Oct 2026, as traded on NSE.
| Date | Open | High | Low | Close | Average price | Volume | Delivery |
|---|---|---|---|---|---|---|---|
| 23 Oct 2026 | 29.86 | 30.10 | 28.42 | 28.68 | 28.91 | 45,42,066 | 45.1% |
| 22 Oct 2026 | 30.39 | 30.44 | 29.72 | 29.86 | 29.95 | 26,70,717 | 53.3% |
| 21 Oct 2026 | 30.71 | 30.94 | 30.13 | 30.39 | 30.48 | 16,42,541 | 42.5% |
| 19 Oct 2026 | 31.00 | 31.50 | 30.61 | 30.71 | 30.97 | 24,79,843 | 41.0% |
| 16 Oct 2026 | 30.97 | 31.10 | 30.58 | 30.99 | 30.84 | 15,48,903 | 52.1% |
| 15 Oct 2026 | 31.65 | 32.40 | 30.51 | 30.74 | 31.38 | 52,86,409 | 31.3% |
| 14 Oct 2026 | 30.80 | 31.42 | 30.60 | 31.31 | 31.20 | 36,11,579 | 37.9% |
| 13 Oct 2026 | 30.30 | 30.92 | 30.06 | 30.79 | 30.64 | 24,39,537 | 53.2% |
| 12 Oct 2026 | 30.89 | 30.90 | 30.20 | 30.25 | 30.42 | 16,71,115 | 52.0% |
| 9 Oct 2026 | 30.48 | 30.79 | 30.21 | 30.58 | 30.55 | 21,49,589 | 39.7% |
Prices in ₹ per share as traded, not adjusted.
About Indian Overseas Bank
Indian Overseas Bank is a public sector bank with its central office in Chennai. It lends to individuals, farmers and businesses, and its advances include retail loans, agricultural credit and priority sector advances. Customers reach it through branches, ATMs and cash recyclers, and through internet banking and mobile banking. It issues cards with the National Common Mobility Card feature of RuPay for contactless transactions.
About 58% of its branches serve rural and semi-urban centres. It has a brand presence in South India, particularly in Tamil Nadu. Overseas, it has branches in four countries: Singapore, Hong Kong, Thailand and Sri Lanka, in key international centres. It has also sponsored Odisha Grameen Bank in Odisha. Its distribution network includes Regional Offices and dedicated startup branches.
The bank was founded on 10 February 1937 by M. Ct. M. Chidambaram Chettiar. It was one of the 14 major banks nationalised in 1969. On the eve of nationalisation it had 195 branches in India. It completed 89 years of banking service on 10 February 2026. Ajay Kumar Srivastava is its Managing Director and Chief Executive Officer.
The Government of India is the bank's promoter. A promoter is the person or group that set up a company or controls it. Its equity shares are listed on both the National Stock Exchange of India and the Bombay Stock Exchange.
- NSE symbol
- IOB
- BSE code
- 532388
- ISIN
- INE565A01014
- Industry
- Banks
- Listed
- Dec 2000
- Face value
- ₹10
In BSE 200, Nifty 500, BSE 500, Nifty Midcap 150, BSE 150 MidCap Index, Nifty Total Market