About
Indian Overseas Bank provides various banking products and services in India and internationally. It operates through Treasury Operations, Corporate/Wholesale Banking Operations, Retail Operations, and Other Banking Operations segments. The company accepts various deposits, such as demand, savings, current, fixed, recurring, tax saver, and term deposits. Its loan products include home, vehicle, jewel, consumer durable, education, reverse mortgage, personal, agricultural, and corporate loans, as well as loan against the property and sovereign gold bond; and micro, small, and medium enterprise loans. The company also provides debit and credit cards, export credit, NRI accounts, agricultural and rural banking products, mutual funds, lockers, merchant banking, and internet and mobile banking services; depository services; and life, health, personal accident, digital, and motor insurance products. It operates branches, ATMs, and business correspondents in India; and overseas branches in Singapore, Hong Kong, Thailand, and Sri Lanka. Indian Overseas Bank was incorporated in 1936 and is headquartered in Chennai, India.
Key Metrics
as of Sep 2026Market Cap64,645 Cr
P/E10.80
Div Yield0.00 %
Book Value₹20.20
52w High₹41.80
52w Low₹31.20
Face Value₹10.00
Quarterly Results
Rs. Crores · hover row for definition| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 3,989.00 | 3,102.00 | 3,430.00 | 2,697.00 | 2,713.00 | 3,150.00 | 2,849.00 | 3,189.00 | 2,736.00 | 4,047.00 | 2,581.00 | 2,827.00 | 2,618.00 |
| Other Income | 2,160.00 | 1,291.00 | 1,499.00 | 1,365.00 | 1,481.00 | 1,581.00 | 1,298.00 | 1,633.00 | 1,033.00 | 2,477.00 | 1,262.00 | 1,114.00 | 803.00 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest | 5,090.00 | 5,019.00 | 4,874.00 | 4,790.00 | 4,639.00 | 4,511.00 | 4,323.00 | 4,313.00 | 4,094.00 | 3,866.00 | 3,778.00 | 3,475.00 | 3,102.00 |
| Profit before tax | 1,859.00 | 1,659.00 | 1,367.00 | 1,728.00 | 1,514.00 | 1,554.00 | 1,237.00 | 982.00 | 738.00 | 1,193.00 | 1,079.00 | 633.00 | 507.00 |
| Tax % | 11.00 | 9.00 | 0.00 | 29.00 | 27.00 | 32.00 | 29.00 | 21.00 | 14.00 | 32.00 | 33.00 | 1.00 | 1.00 |
| Net Profit | 1,659.00 | 1,505.00 | 1,365.00 | 1,226.00 | 1,111.00 | 1,051.00 | 874.00 | 777.00 | 633.00 | 808.00 | 723.00 | 625.00 | 500.00 |
| EPS in Rs | 0.86 | 0.78 | 0.71 | 0.64 | 0.58 | 0.55 | 0.46 | 0.41 | 0.33 | 0.43 | 0.38 | 0.33 | 0.26 |
Profit & Loss
Annual · Rs. Crores| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 11,421.00 | 11,529.00 | 11,737.00 | 9,756.00 | 9,263.00 | 10,360.00 | 16,706.00 | 15,142.00 | 17,573.00 | 11,728.00 | 11,443.00 | 7,262.00 |
| Other Income | 5,636.00 | 5,545.00 | 5,656.00 | 4,109.00 | 4,903.00 | 5,559.00 | 3,360.00 | 4,206.00 | 3,746.00 | 3,373.00 | 2,528.00 | 2,139.00 |
| Interest | 19,322.00 | 17,241.00 | 14,220.00 | 11,145.00 | 10,419.00 | 11,067.00 | 12,103.00 | 12,352.00 | 12,448.00 | 14,529.00 | 18,135.00 | 18,554.00 |
| Depreciation | 521.00 | 394.00 | 336.00 | 260.00 | 172.00 | 258.00 | 301.00 | 304.00 | 272.00 | 215.00 | 196.00 | 149.00 |
| Profit before tax | 6,268.00 | 4,512.00 | 3,413.00 | 2,348.00 | 1,779.00 | 840.00 | -8,344.00 | -5,961.00 | -8,632.00 | -3,381.00 | -3,728.00 | 111.00 |
| Tax % | 17.00 | 26.00 | 22.00 | 11.00 | 4.00 | 1.00 | 2.00 | -37.00 | -27.00 | 1.00 | -22.00 | 508.00 |
| Net Profit | 5,208.00 | 3,335.00 | 2,656.00 | 2,099.00 | 1,710.00 | 831.00 | -8,527.00 | -3,738.00 | -6,299.00 | -3,417.00 | -2,897.00 | -454.00 |
| EPS in Rs | 2.70 | 1.73 | 1.40 | 1.11 | 0.90 | 0.51 | -5.19 | -4.09 | -12.88 | -13.92 | -16.03 | -3.68 |
| Dividend Payout % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Balance Sheet
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 19,257.00 | 19,257.00 | 18,902.00 | 18,902.00 | 18,902.00 | 16,437.00 | 16,437.00 | 9,142.00 | 4,891.00 | 2,455.00 | 1,807.00 | 1,235.00 |
| Reserves | 18,259.00 | 13,284.00 | 9,040.00 | 6,361.00 | 4,098.00 | 508.00 | -282.00 | 7,218.00 | 8,383.00 | 11,290.00 | 13,859.00 | 14,406.00 |
| Other Liabilities | 16,011.00 | 9,044.00 | 7,799.00 | 6,784.00 | 11,147.00 | 13,106.00 | 16,200.00 | 4,968.00 | 8,634.00 | 5,983.00 | 7,073.00 | 5,715.00 |
| Total Liabilities | 473,320.00 | 395,017.00 | 352,034.00 | 313,734.00 | 299,377.00 | 274,010.00 | 260,727.00 | 250,008.00 | 247,968.00 | 247,167.00 | 274,437.00 | 285,637.00 |
| Fixed Assets | 5,007.00 | 4,581.00 | 3,725.00 | 3,710.00 | 3,365.00 | 2,918.00 | 3,124.00 | 3,321.00 | 2,838.00 | 3,002.00 | 3,218.00 | 2,462.00 |
| CWIP | 67.00 | 74.00 | 14.00 | 0.00 | 0.00 | 1.00 | 3.00 | 16.00 | 56.00 | 53.00 | 52.00 | 45.00 |
| Investments | 119,810.00 | 111,045.00 | 99,632.00 | 94,170.00 | 98,179.00 | 95,494.00 | 79,416.00 | 66,932.00 | 68,646.00 | 71,654.00 | 79,190.00 | 79,298.00 |
| Other Assets | 348,436.00 | 279,317.00 | 248,662.00 | 215,854.00 | 197,833.00 | 175,597.00 | 178,183.00 | 179,739.00 | 176,429.00 | 172,459.00 | 191,977.00 | 203,832.00 |
| Total Assets | 473,320.00 | 395,017.00 | 352,034.00 | 313,734.00 | 299,377.00 | 274,010.00 | 260,727.00 | 250,008.00 | 247,968.00 | 247,167.00 | 274,437.00 | 285,637.00 |
Cash Flows
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | 5,502.00 | 2,771.00 | -1,165.00 | -15,595.00 | 5,566.00 | 4,949.00 | -14,023.00 | -786.00 | -1,999.00 | -505.00 | -3,091.00 | 5,941.00 |
| Cash from Investing Activity | -639.00 | -565.00 | -359.00 | -559.00 | -48.00 | -46.00 | -85.00 | -647.00 | -110.00 | -135.00 | -254.00 | -164.00 |
| Cash from Financing Activity | -710.00 | 310.00 | -528.00 | -12.00 | 479.00 | 1,813.00 | 7,277.00 | 5,780.00 | 5,430.00 | 1,617.00 | 692.00 | 113.00 |
| Net Cash Flow | 4,152.00 | 2,516.00 | -2,052.00 | -16,166.00 | 5,997.00 | 6,716.00 | -6,831.00 | 4,347.00 | 3,322.00 | 977.00 | -2,652.00 | 5,890.00 |
| Free Cash Flow | 4,863.00 | 2,205.00 | -1,525.00 | -16,155.00 | 5,518.00 | 4,903.00 | -14,108.00 | -1,433.00 | -2,108.00 | -640.00 | -3,345.00 | 5,783.00 |
| CFO/OP % | 30.00 | 5.00 | -5.00 | -158.00 | 85.00 | 77.00 | -1,933.00 | 5.00 | -182.00 | -1.00 | -23.00 | 36.00 |
Ratios
Annual · Days / % — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|
Corporate Actions
26 records| Action | Ex Date | Record Date | Ratio | Amount (₹) | Notes |
|---|---|---|---|---|---|
| Other | 25 Jun 2024 | — | — | — | Annual General Meeting |
| Other | 30 Jun 2023 | — | — | — | Annual General Meeting |
| Other | 07 Jul 2022 | — | — | — | Annual General Meeting |
| Other | 29 Jul 2021 | — | — | — | Annual General Meeting |
| Other | 14 Aug 2020 | — | — | — | Annual General Meeting |
| Other | 02 Jul 2019 | — | — | — | Annual General Meeting |
| Other | 02 Jul 2018 | — | — | — | Annual General Meeting |
| Other | 19 Jun 2017 | — | — | — | Annual General Meeting |
| Other | 08 Jul 2016 | — | — | — | Annual General Meeting |
| Other | 22 Jun 2015 | — | — | — | Annual General Meeting |
| Dividend | 19 Jun 2014 | — | — | 0.50 | |
| Dividend | 10 Feb 2014 | 11 Feb 2014 | — | 0.70 | |
| Dividend | 20 Jun 2013 | — | — | 2.00 | |
| Other | 20 Jun 2013 | — | — | — | Final Dividend Rs.2/- Per Equity Share |
| Dividend | 21 Jun 2012 | — | — | 4.50 | |
| Dividend | 04 Jul 2011 | — | — | 5.00 | |
| Dividend | 26 May 2010 | — | — | 3.50 | |
| Other | 26 May 2010 | — | — | — | Dividend-Rs.3.50 Pr Share |
| Dividend | 21 May 2009 | — | — | 4.50 | |
| Other | 16 Oct 2008 | 17 Oct 2008 | — | — | General |
| Other | 16 Oct 2008 | 17 Oct 2008 | — | — | Egm |
| Dividend | 05 May 2008 | — | — | 3.50 | |
| Dividend | 07 May 2007 | — | — | 3.00 | |
| Dividend | 11 May 2006 | — | — | 2.60 | |
| Dividend | 12 May 2005 | — | — | 1.00 | |
| Dividend | 11 Jul 2001 | — | — | 1.00 |
Announcements
5 filingsShareholding Pattern
Open on BSEFinancial Results — Filings
Open on BSEBoard Filings
Open on BSEAnnual Reports
Credit Ratings
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Rating update30 Jul from care
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Rating update25 Jun from crisil
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Rating update10 Feb from care
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Rating update19 Nov 2025 from icra
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Rating update1 Oct 2025 from care
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Rating update5 Aug 2025 from care