Indian Overseas Bank

Indian Overseas Bank (IOB) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.

Financial Services›Financial Services›Banks›Public Sector Bank

iob.bank.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-09-02

Stock price
₹32.68
Market cap
63,021 Cr
Stock P/E
10.3
P/B
1.70

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Share price

NSE closing price from historical market data.

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Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023BSE balance sheet (this exchange's own filing had none for this period)Mar 2024Jun 2024BSE balance sheet (this exchange's own filing had none for this period)Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income2,348 Cr2,400 Cr2,766 Cr2,443 Cr2,539 Cr2,792 Cr3,124 Cr2,748 Cr3,061 Cr3,299 Cr3,470 Cr3,688 Cr
Other income1,117 Cr1,263 Cr2,479 Cr1,048 Cr1,636 Cr1,299 Cr1,623 Cr1,480 Cr1,365 Cr1,499 Cr1,291 Cr2,160 Cr
Net operating income3,465 Cr3,663 Cr5,245 Cr3,492 Cr4,175 Cr4,091 Cr4,747 Cr4,229 Cr4,427 Cr4,798 Cr4,761 Cr5,848 Cr
Employee cost1,139 Cr1,270 Cr2,518 Cr1,125 Cr1,342 Cr1,070 Cr1,132 Cr1,167 Cr1,172 Cr1,344 Cr1,006 Cr2,104 Cr
Other expenses646 Cr611 Cr764 Cr675 Cr703 Cr754 Cr956 Cr703 Cr853 Cr850 Cr1,090 Cr1,050 Cr
Provisions & contingencies1,044 Cr701 Cr768 Cr938 Cr1,146 Cr1,029 Cr1,064 Cr844 Cr672 Cr1,236 Cr1,006 Cr834 Cr
Depreciation————————————
Profit before tax636 Cr1,080 Cr1,196 Cr754 Cr984 Cr1,239 Cr1,595 Cr1,515 Cr1,729 Cr1,367 Cr1,659 Cr1,859 Cr
Tax %1.3%33.0%32.2%14.0%20.8%29.4%31.6%26.6%29.0%0.2%9.3%10.7%
Net profit627 Cr724 Cr810 Cr649 Cr780 Cr875 Cr1,092 Cr1,178 Cr1,259 Cr1,427 Cr1,556 Cr1,716 Cr
EPS (₹)₹0.00₹0.38₹0.43₹0.33₹0.42₹0.46₹0.58₹0.61₹0.65₹0.71₹0.81₹0.89

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2022BSE balance sheet (this exchange's own filing had none for this period)Mar 2023BSE balance sheet (this exchange's own filing had none for this period)Mar 2024Mar 2025Mar 2026TTM
Net Interest Income6,316 Cr8,261 Cr9,839 Cr10,899 Cr12,574 CrSign in for TTM
Other income4,905 Cr4,116 Cr5,665 Cr5,607 Cr5,636 CrSign in for TTM
Net operating income11,222 Cr12,377 Cr15,504 Cr16,506 Cr18,210 CrSign in for TTM
Employee cost3,489 Cr4,102 Cr6,143 Cr4,669 Cr4,689 CrSign in for TTM
Other expenses1,970 Cr2,327 Cr2,587 Cr3,087 Cr3,495 CrSign in for TTM
Provisions & contingencies3,984 Cr3,594 Cr3,351 Cr4,177 Cr3,758 CrSign in for TTM
Depreciation—————Sign in for TTM
Profit before tax1,779 Cr2,353 Cr3,423 Cr4,573 Cr6,268 CrSign in for TTM
Tax %3.9%10.6%22.1%25.7%16.9%Sign in for TTM
Net profit1,709 Cr2,104 Cr2,666 Cr3,396 Cr5,418 CrSign in for TTM
EPS (₹)₹0.92₹0.00₹1.40₹1.79₹2.81Sign in for TTM
Dividend payout %0.0%0.0%0.0%0.0%0.0%Sign in for TTM
Sign in for TTM

Trailing twelve months totals and margin rows

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2022BSE balance sheet (this exchange's own filing had none for this period)Mar 2023BSE balance sheet (this exchange's own filing had none for this period)Mar 2024Mar 2025Mar 2026
Equity capital18,902 Cr18,902 Cr18,902 Cr19,257 Cr19,257 Cr
Reserves4,116 Cr5,974 Cr5,931 Cr9,159 Cr14,300 Cr
Borrowings3,071 Cr20,804 Cr30,387 Cr42,228 Cr51,603 Cr
Other liabilities2,73,568 Cr2,67,770 Cr2,96,649 Cr3,24,065 Cr3,87,636 Cr
Total liabilities2,99,656 Cr3,13,450 Cr3,51,869 Cr3,94,708 Cr4,72,795 Cr
Fixed assets (net)3,366 Cr3,711 Cr3,740 Cr4,655 Cr5,075 Cr
CWIP—————
Investments98,267 Cr93,643 Cr99,194 Cr1,10,588 Cr1,19,285 Cr
Loans & advances1,44,254 Cr1,78,068 Cr2,13,330 Cr2,45,555 Cr3,06,622 Cr
Cash & bank16,707 Cr17,150 Cr16,906 Cr18,116 Cr16,606 Cr
Other assets37,063 Cr20,879 Cr18,700 Cr15,794 Cr25,208 Cr
Total assets2,99,656 Cr3,13,450 Cr3,51,869 Cr3,94,708 Cr4,72,795 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2022BSE balance sheet (this exchange's own filing had none for this period)Mar 2023BSE balance sheet (this exchange's own filing had none for this period)Mar 2024Mar 2025Mar 2026
Cash from operating activity5,539 Cr-15,584 Cr-1,119 Cr2,840 Cr4,780 Cr
Cash from investing-49 Cr-560 Cr-359 Cr-579 Cr-639 Cr
Cash from financing479 Cr13 Cr-528 Cr144 Cr-138 Cr
Net cash flow5,969 Cr-16,131 Cr-2,006 Cr2,405 Cr4,003 Cr
Free cash flow (OCF − Capex)5,483 Cr-16,166 Cr-1,484 Cr2,236 Cr4,134 Cr

Ratios

Ratios as reported or derived per annual period.

MetricMar 2022BSE balance sheet (this exchange's own filing had none for this period)Mar 2023BSE balance sheet (this exchange's own filing had none for this period)Mar 2024Mar 2025Mar 2026
ROCE %60.2%66.6%5.2%5.7%5.6%
ROE %8.4%10.4%10.7%11.9%16.1%
Debtor days—————
Inventory days—————
Days payable—————
Cash conversion cycle—————
Debt / equity0.130.841.221.491.54
Current ratio—————
Net debt / EBITDA—————

Regulatory ratios (standalone basis)

RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.

MetricMar 2022BSE balance sheet (this exchange's own filing had none for this period)Mar 2023BSE balance sheet (this exchange's own filing had none for this period)Mar 2024Mar 2025Mar 2026
Gross NPA15,299 Cr14,072 Cr6,794 Cr5,348 Cr4,410 Cr
Gross NPA %9.8%7.4%3.1%2.1%1.4%
Net NPA3,825 Cr3,266 Cr1,217 Cr912 Cr638 Cr
Net NPA %2.6%1.8%0.6%0.4%0.2%
CET1 %10.7%12.9%14.5%17.1%16.9%
Additional Tier 1 %0.0%0.0%0.0%0.0%0.0%
Capital adequacy %—————
NIM %—————
ROA %0.6%0.8%0.8%0.9%1.2%

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