Debut Plus

₹33.79

▲ +0.01 +0.03%

17 Jul 2026

NSE Listed · Banks

Indian Overseas Bank (IOB)

Volume: 14,78,585Avg Vol 1W: 13,10,347Avg Vol 1M: 14,34,85152W Range:₹31.2₹41.8
NSE BSE www.iob.bank.in
Key Ratios
Checked just now
Market Cap₹65,068 Cr
Current Price₹33.79
Previous Close₹33.78
High / Low (52w)₹41.8 / ₹31.2
Volume14,78,585
Avg Vol (1W)13,10,347
Avg Vol (1M)14,34,851
Stock P/E41.72
Book Value₹17.43
Dividend Yield0%
ROE14.09%
ROA0%
Revenue (TTM)₹14,452 Cr
Revenue Growth21.21%
Profit Margin16.99%
Total Debt—
Shares Outstanding1,926 Cr
Face Value₹10
EPS (TTM)₹2.81
P/B1.94
Debt / Equity0
50 DMA₹34.24
200 DMA₹34.1
Day change+0.03%
Price Chart
₹33.79▼ 12.21% · 1Y
₹40₹313.6Cr
2025-11-24
2026-07-16

20-day avg volume: 14.6L shares

Pros
  • Company is almost debt-free.
  • Revenue grew 12% YoY.
  • Net profit is growing year over year.
Quarterly Results
MetricJun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026
Revenue————————
EBITDA————————
Net Profit₹633 Cr₹777 Cr₹874 Cr₹1,050 Cr₹1,112 Cr₹1,228 Cr₹1,365 Cr₹1,505 Cr
EPS————————
Profit & Loss (Annual)
MetricMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue₹8,610 Cr₹22,461 Cr₹21,641 Cr₹23,523 Cr₹29,731 Cr₹33,750 Cr₹37,743 Cr
EBITDA₹0 Cr₹767 Cr₹1,779 Cr₹2,353 Cr₹3,423 Cr₹4,573 Cr₹6,478 Cr
Net Profit₹-8,527 Cr₹758 Cr₹1,709 Cr₹2,104 Cr₹2,656 Cr₹3,396 Cr₹5,418 Cr
EPS—0.510.921.151.41.762.7
Balance Sheet
MetricMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets₹2,60,727 Cr₹2,74,229 Cr₹2,99,030 Cr₹3,13,450 Cr₹3,51,869 Cr₹3,94,710 Cr₹4,72,795 Cr
Total Liabilities₹2,44,572 Cr₹2,57,131 Cr₹2,76,432 Cr₹2,88,574 Cr₹3,24,308 Cr₹3,62,477 Cr₹4,35,805 Cr
Equity₹16,155 Cr₹17,099 Cr₹22,598 Cr₹24,876 Cr₹27,561 Cr₹32,233 Cr₹36,991 Cr
Total Debt₹5,420 Cr——————
Cash Flow
MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating₹5,071 Cr₹6,287 Cr₹-13,319 Cr₹-536 Cr₹689 Cr₹5,323 Cr
Investing₹-46 Cr₹-49 Cr₹-560 Cr₹-359 Cr₹-579 Cr₹-639 Cr
Financing₹1,813 Cr₹479 Cr₹-1,916 Cr₹-528 Cr₹337 Cr₹-138 Cr
Free Cash Flow₹5,071 Cr₹6,287 Cr₹-13,319 Cr₹-536 Cr₹689 Cr₹5,323 Cr
Shareholding
Promoter 92.44% Institutions 4.76% Public 2.8%
About Indian Overseas Bank

Banks · Banks - Public Sector

Indian Overseas Bank provides various banking products and services in India and internationally. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, 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. It 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, Colombo, and Bangkok. Indian Overseas Bank was incorporated in 1936 and is headquartered in Chennai, India.

www.iob.bank.in ↗
Efficiency & Working Capital
ROCE5.5%
Interest Coverage0
Dividend Payout—
Debtor Days—
Inventory Days—
Payable Days—
Cash Conversion Cycle—
Working Capital Days—
Shareholding Details

As of 2026-06-30

Promoter92.4%
FII0.5%
DII4.3%
Institutions4.8%
Public2.8%
Promoter Pledge0%
No. of Shareholders9,55,025
Shareholding Pattern

Quarterly — figures in %. Latest 12 quarters.

PeriodSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Promoters96.4%96.4%96.4%96.4%96.4%96.4%94.6%94.6%94.6%92.4%92.4%92.4%
FIIs0.1%0%0%0.1%0%0%0.2%0.1%0.3%0.4%0.4%0.5%
DIIs0.1%1.3%1.3%1.3%1.3%1.3%2.6%2.4%2.3%4.3%4.3%4.3%
Public3.3%2.3%2.3%2.3%2.3%2.3%2.6%2.9%2.8%2.9%2.9%2.8%
Promoter Pledge0%0%0%0%0%0%0%0%0%0%0%0%
No. of Shareholders6,68,1777,27,34810,06,1859,96,5689,77,5929,77,9179,77,86310,08,1289,88,5519,81,8299,68,2989,55,025
Returns History (ROE / ROCE / ROA)
PeriodROEROCEROAP/E
202603————
Major Shareholders (>1%)
NameCategoryStakeShares
President Of IndiaShareholding of Promoter and Promoter Group92.4%1780.05 Cr
Life Insurance Corporation Of IndiaPublic Shareholding3.7%71.30 Cr
Promoter Pledges
HolderPledged Shares% of HoldingAs of
President Of India00%2026-06-30
Life Insurance Corporation Of India00%2026-06-30
President Of India00%2026-03-31
Life Insurance Corporation Of India00%2026-03-31
President Of India00%2025-12-31
Life Insurance Corporation Of India00%2025-12-31
President Of India00%2025-09-30
Life Insurance Corporation Of India00%2025-09-30
President Of India00%2025-06-30
Life Insurance Corporation Of India00%2025-06-30
President Of India00%2025-03-31
Life Insurance Corporation Of India00%2025-03-31
Board of Directors
NameDesignationYear
Sridhar SrinivasanChairman / Non Exec. Part Time Non Offic. Director2026
Ajay Kumar SrivastavaExecutive Director / WTD / Managing Director / CEO2026
JOYDEEP DUTTAROYE D & Wholetime Director2026
Dhanaraj TE D & Wholetime Director2026
Neelam AgrawalNon Executive Director / Nominee - Government2026
Thomas MathewNon Executive Director / Nominee - RBI2026
Shri G VenkataramananIndependent Non Exe. Director2026
Raghuram MallelaDep.GM / CS/CO2026
Segments — Product
SegmentRevenueShare
Treasury₹8,886 Cr23.8%
Corporate/Wholesale Banking₹11,037 Cr29.5%
DigitalBanking₹0 Cr0%
OtherRetailBanking₹16,847 Cr45.1%
Other Banking Operations₹614 Cr1.6%
Segments — Geography
RegionRevenueShare
Domestic₹36,302 Cr96.7%
International₹1,230 Cr3.3%
Capital Structure (₹ Cr)
YearFace ValueAuthorisedIssuedPaid-up
2026₹1025,00019,25719,257
Corporate Actions
TypeDateValueRemark
forthcoming2026-07-20Board Meetings—
Related-Party Transactions (₹ Cr)
YearSubsidiariesAssociatesJVKMPOthersTotal
2026000202
2026000202
2026000202
Insider / Designated-Person Trades

1 recent disclosure(s)

President of India acting through Department of Financial ServicesDisposal · 41,78,38,271
Substantial Acquisitions (SAST)

1 disclosure(s)

Offer For Sale17/12/2025 - 18/12/2025 · 41,78,38,271
Company Information
Incorporated1937
ChairmanSridhar Srinivasan
AuditorR Devendra Kumar & Associates/Tej Raj & Pal
Investor Email[email protected]; [email protected]
🌐 www.iob.in ↗

📍 763 Anna Salai, Chennai, Tamil Nadu, 600002

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