IOB · NSE · Public Sector Bank
Indian Overseas Bank
What the numbers mean, from its filings and the exchange. Data as of 12 Oct 2026.
Mid Cap · AMFI list Jan-Jun 2026 · Vendor sector: Financial Services
dear
low confidence
No valuation within 120 days; P/E 10.0 vs peers 6.6 (9th of 11); P/B 1.8 vs peers 0.96 (11th of 11).
Statements through FY2026Prices adjusted for corporate actionsNot yet reviewed by the adversarial model
What is Indian Overseas Bank's share price today?
Indian Overseas Bank last traded at ₹30.25 on the NSE, as of 12 Oct 2026, 11:00 pm IST, down 1.1% on the day, down 23.2% over a year. Its 52-week range is ₹30 to ₹42. The live price is in the app.
₹30.25
−1.1% today
−23.2% over 1 year · NSE, as of 12 Oct 2026, 11:00 pm IST
60 month-end closes, 31 Oct 2021 to 30 Sep 2026, adjusted for splits and bonuses
52-week range2% of the way up
Low ₹30High ₹42
What is Indian Overseas Bank's market cap?
Indian Overseas Bank's market capitalisation is about ₹58,887 crore: what it would cost to buy every share at today's price. That makes it the 78th largest mid cap company we cover.
₹58,887 Cr
Mid Cap78th largest mid cap company
Share price₹30.25
×
Shares in issue1,947 crore
=
Market cap₹58,887 Cr
Mid Cap means the companies ranked 101 to 250 by size, under SEBI's rules. Shares in issue are worked out from the market cap and the price. What market cap tells you →
Key facts
From the exchange
- Symbol
- NSE: IOB
- ISIN
- INE565A01014
- Cap bucket
- Mid Cap, 78th largest by market cap
- Industry (NSE)
- Financial Services › Banks › Public Sector Bank
- Listed since
- 2000
- Futures and options
- Not traded
Is Indian Overseas Bank overvalued?
Dear, with low confidence: no valuation within 120 days; P/E 10.0 vs peers 6.6 (9th of 11); P/B 1.8 vs peers 0.96 (11th of 11).
Valuation
Latest price and trailing 12 months
P/E
9.99
vs peers 6.6 · 9th of 11
Price divided by last year's earnings per share: how many years of today's profit you pay for. Learn more →
P/B
1.77
vs peers 1.0 · 11th of 11
Price divided by book value per share: what you pay for each rupee of net assets on the balance sheet. Learn more →
Market cap
₹58,887 Cr
Total market value of all shares, in ₹ crore. Learn more →
Dividend yield
Not available
Last year's dividends as a share of today's price. Learn more →
PEG (vendor)
9.99
vs peers 2.1 · 7th of 9
P/E divided by the vendor's earnings growth figure, which it does not disclose; a P/E adjusted for how fast profits grow. Learn more →
PEG on our 3-year EPS growth
0.28
P/E divided by the 3-year EPS growth rate from the stored accounts. Learn more →
Is Indian Overseas Bank a quality business?
Quality score 75, 2nd of 11 in its peer set; WATCH on 21 of 22 lender flags judged.
Quality and risk
Data as of 12 Oct 2026
Business quality
Not available
The kind of business, which sets the yardstick it is judged by. Learn more →
Quality score
75
vs peers 43.4 · 2nd of 11
Returns, margins, leverage and consistency against its peers, out of 100. Learn more →
Risk level
WATCH
21 of 22 lender flags judged
From flags on debt, earnings quality, dilution and price swings. Learn more →
Lender scorecard
Statements through FY2026 (Mar-26)
Basis: standalone accounts, FY2026 (Mar-26) against FY2025; NSE/BSE XBRL, the Q4 results filing; NIM is interest earned less expended over average advances and investments; cost to income is operating expenses over net interest income plus other income; credit cost is FY2026 provisions over average advances; ROA over average total assets; ROE over average equity; GNPA, NNPA, provision coverage, CET1 from the Jun-26 quarter filing
Net interest margin
3.2%
vs peers 2.8% · 2nd of 11
What a lender earns on its loans and investments less what it pays for deposits and borrowings, as a share of the assets that earn interest (or of all assets where the split is not filed). Learn more →
Gross NPA
1.3%
vs peers 2.0% · 1st of 11
Loans on which repayment has stopped, as a share of all loans, before any provision against them; from the latest results filing. Learn more →
Net NPA
0.2%
vs peers 0.4% · 3rd of 11
Bad loans after the provisions already set aside against them, as a share of loans. Learn more →
Provision coverage
86.3%
How much of the gross bad loans has already been provided for. Learn more →
Credit cost
1.4%
vs peers 0.6% · 11th of 11
The year's provisions for bad loans as a share of the average loan book. Learn more →
Cost to income
44.9%
vs peers 50.2% · 2nd of 11
Operating expenses (staff, branches, technology) over net interest income plus other income. Learn more →
Return on assets
1.2%
vs peers 1.0% · 4th of 11
Profit as a share of average total assets. Learn more →
CET1 ratio
16.9%
Common equity tier 1 capital, the hardest kind, against risk-weighted assets; from the latest results filing. Learn more →
Loan growth YoY
24.9%
vs peers 16.8% · 1st of 11
Growth in the loan book over the latest fiscal year. Learn more →
Deposit growth YoY
18.0%
vs peers 12.1% · 1st of 11
Growth in deposits over the latest fiscal year. Learn more →
CASA ratio
Not available
Current and savings account balances as a share of all deposits. Learn more →
Inside the app
Get a sneak peek of Valarth
Has Indian Overseas Bank made money for shareholders?
Mixed: −23.2% over one year and +6.4% a year over five years.
Shareholder returns
5-year return
+6.4% a year
Price only
Yearly average price return over five years, bonuses and splits adjusted. Learn more →
Wealth destroyer
Yes
Five-year total return — price CAGR on bonus- and split-adjusted closes plus the dividend yield — below the 7% a bank fixed deposit paid. Learn more →
Returns
3Y and 5Y are yearly averages
1W
−2.5%1M
−5.6%3M
−10.4%6M
−11.3%1Y
−23.2%3Y
−7.6%5Y
+6.4%Does Indian Overseas Bank pay a dividend?
Indian Overseas Bank last paid ₹0.50 a share, ex-dividend 19 Jun 2014; nothing in the past 12 months counts toward a yield.
Dividends
Per share, by ex-dividend date
19 Jun 2014 · Final₹0.50
10 Feb 2014 · Interim₹0.70
20 Jun 2013 · Final₹2.00
21 Jun 2012 · Final₹4.50
4 Jul 2011 · Final₹5.00
Payout ratio🔒 In the app
The share of profit paid out as dividends; a very high share leaves little to reinvest.
Dividend growth, 5 years🔒 In the app
How fast the dividend per share has grown a year.
Years without a miss🔒 In the app
How many years in a row a dividend has been paid.
Is Indian Overseas Bank growing?
Loan growth 24.9%; deposit growth 18.0%; revenue 3 years 17.1% a year.
Growth
Statements through FY2026 (Mar-26)
Loan growth
24.9%
vs peers 16.8% · 1st of 11
Growth in the loan book over the latest fiscal year. Learn more →
Deposit growth
18.0%
vs peers 12.1% · 1st of 11
Growth in deposits over the latest fiscal year. Learn more →
Revenue 3 years
17.1% a year
vs peers 13.9% · 2nd of 11
Compound annual growth of revenue over three years. Learn more →
EPS 3 years
36.2% a year
Growth in earnings per share, so dilution counts against the company. Learn more →
Revenue 5 years
12.8% a year
Compound annual growth of revenue over five years. Learn more →
EPS 5 years
43.6% a year
Growth in earnings per share over five years, so dilution counts against the company. Learn more →
How did Indian Overseas Bank do last quarter?
Indian Overseas Bank reported income of ₹10,938 Cr, up 11.8% on a year earlier and a net profit of ₹1,716 Cr, up 59.6% in the Jun 2026 quarter.
Latest quarter
Jun 2026
Income, latest quarter₹10,938 Cr
+11.8% on a year earlier
What the company took in over the quarter.
Net profit, latest quarter₹1,716 Cr
+59.6% on a year earlier
What was left for shareholders after every cost and tax.
How does Indian Overseas Bank compare with its peers?
Compared with 10 Public Sector Bank; 9th of 11 on P/E; 2nd of 11 on quality score.
Compared with 10 Public Sector Bank
10 companies
- Indian Overseas Bank (this page)
- Punjab National Bank
- Union Bank of India
- Bank of Baroda
- Indian Bank
- Canara Bank
- Bank of Maharashtra
- Bank of India
- UCO Bank
- Central Bank of India
- Punjab & Sind Bank
Indian Overseas Bank against its peers
Largest 10 of 10 peers, by market cap
CompanyMarket capP/EP/BROE1YQuality 🔒Rank 🔒
Indian Overseas Bank₹58,887 Cr10.01.812.3%−23.2%
UCO Bank₹29,154 Cr10.40.99.5%−26.9%
Punjab & Sind Bank₹14,908 Cr10.81.110.4%−29.6%
Peer median—6.61.013.9%−3.1%
Market cap in rupees crore; P/E and P/B on the latest price; 1Y is the price return over a year. A dash is a figure that does not apply or is not reported.
Who owns Indian Overseas Bank?
Indian Overseas Bank is held by promoters 92.4%, foreign institutions 0.5%, domestic institutions 4.3%.
Shareholding pattern
Latest filing, percent of shares
Promoters92.4%
The founders and controlling group.
Foreign institutions0.5%
Overseas funds investing through the FPI route.
Domestic institutions4.3%
Indian insurers, banks, pension and mutual funds together.
Mutual funds0.2%
Indian mutual fund schemes; part of domestic institutions.
Retail and others1.8%
Individual investors and everyone else.
Promoter shares pledged🔒 In the app
Promoter shares given as collateral for loans; a high share is a risk to watch.
Holding trend🔒 In the app
Whether promoters, foreign funds and mutual funds have been adding or selling over recent quarters.
What does Indian Overseas Bank do and what is it sensitive to?
Indian Overseas Bank is a public sector bank that serves customers through branches, business correspondents, ATMs and digital channels in India and through overseas branches. Sensitive to: policy repo rate.
Business-model card
FY2026 · 42 verified
5Revenue
3Channels
5Regulators
5Reg. dependencies
4Sensitivities
5Costs
3Geographies
Indian Overseas Bank is a public sector bank that serves customers through branches, business correspondents, ATMs and digital channels in India and through overseas branches. It earns mainly interest on advances and investments, plus commission, exchange and brokerage income, and it segments its revenue into Treasury, Corporate/Wholesale, Retail and Other Banking Operations.
Revenue by segment
Year ended March 31, 2026 (FY 2025-26), standalone Part A business segments; no consolidated segment revenue table appears in the excerpts
Treasury23.8%
Corporate/Wholesale Banking29.5%
Retail Banking - Digital Banking0.0%
Retail Banking - Other Retail Banking45.1%
Other Banking Operations1.6%
Revenue engine
5 verified
Retail Banking
Retail segment includes individual housing loans and exposures meeting the retail criteria. Interpretation: retail revenue comes mainly from interest on these exposures.
Corporate/Wholesale Banking
Segment comprises lending to borrowers with exposure of ₹7.50 Crores and above. Interpretation: revenue comes from lending to these larger borrowers.
Treasury
Treasury revenue consists of fees and gains or losses from trading operations and interest income on the investment portfolio.
2 more statements
Interest on advances and bills
Schedule 13 interest earned includes interest and discount on advances and bills as a separate line.
Commission, exchange and brokerage
Fee-type income reported in Schedule 14 Other Income as Commission, Exchange and Brokerage.
Customers & channels
3 verified
Retail and wholesale customers (depositors and borrowers)
Customer trust is stated to shape deposits, lending relationships and future growth.
MSMEs, agriculture and retail priority sectors
The bank states it supports credit to these priority sectors within the banking sector's growth.
Business Correspondents
Channel used for last-mile financial inclusion, reaching customers beyond branches.
Regulators
5 verified
Reserve Bank of India (RBI)
Issues regulations, circulars and guidelines that govern the bank's banking business and reporting.
Banking Regulation Act, 1949
Statute the bank cites as governing its banking activity.
Nationalized Banks Scheme, 1970
Scheme cited alongside the Banking Companies Act for the bank's management and share-issue resolutions.
2 more statements
Digital Personal Data Protection Act, 2023
Framework the filing cites for data privacy and handling of personal information in banking.
Department of Financial Services, Ministry of Finance
Government department the bank thanks for continuous support and guidance.
Regulatory dependencies
5 verified
Government shareholding floor of 52%
Equity issuance to QIBs is to be done so that the Central Government holds at least 52% of paid-up equity. Interpretation: this limits how much equity can be raised by dilution.
Operational risk capital at 15% of gross income
Capital for operational risk is held at 15% of positive average annual gross income over three years, as defined by RBI. Interpretation: a change in this rate or in gross income moves the capital requirement.
Capital adequacy (CRAR) requirements
Sector CRAR is reported against regulatory requirements. Interpretation: capital ratios constrain how much the balance sheet can grow.
2 more statements
Liquidity Coverage Ratio
The bank reports a liquidity coverage ratio computed from HQLA against net cash outflows. Interpretation: a tighter LCR requirement would raise the HQLA the bank must hold.
Digital Banking Unit reporting circular
RBI circular on Digital Banking Units requires reporting of Digital Banking as a sub-segment of Retail Banking.
Sensitivities
4 verified
Policy repo rate
The RBI kept the repo rate unchanged and a neutral stance. Interpretation: a change in policy rate would move funding and lending rates.
Interest rate movements (IRRBB)
When interest rates rise, existing fixed-rate bond prices fall, and the reverse. Interpretation: rate moves change the value of the investment book.
Net interest income sensitivity
Interest rate changes affect current earnings, measured as impact on Net Interest Income or Net Interest Margin.
1 more statement
Energy prices and trade uncertainty
Elevated energy prices and trade tensions are cited as headwinds to growth and inflation. Interpretation: higher energy prices would weigh on credit demand and asset quality.
Cost inputs
5 verified
Payments to and provisions for employees
Largest operating expense line in Schedule 16 for the year; employee cost driven by staff and provisions.
Interest on deposits
Interest expended on customer deposits is the cost of funding from depositors.
Depreciation on Bank's property
Operating expense line for depreciation on the bank's property, which rises with asset base and capex.
2 more statements
Directly sourced inputs
Supplier base for directly sourced inputs is domestic. Share is of directly sourced inputs, not revenue.
IT procurement from MSEs
Share of IT procurement earmarked for micro and small enterprises. Share is of IT procurement.
Geographies
3 verified
Domestic operations
Branches and offices operating in India, reported as the domestic geographic segment.
Foreign operations
Branches and offices operating outside India and offshore banking units in India, reported as the international segment.
Underserved areas
Continued branch expansion is stated as a plan for underserved areas.
Each statement is checked word for word against the FY2026 annual report; the passages are in the app.
What changed recently?
Q4 FY2026 results filed (19 Sep 2026).
Change log
8 entries · newest first
- Results filedQ4 FY2026 results filed.
- Results filedQ1 FY2027 results filed.
- Results filedQ3 FY2026 results filed.
- Results filedQ2 FY2026 results filed.
- Results filedQ1 FY2026 results filed.
- Results filedQ4 FY2025 results filed.
- Corporate actionAnnual General Meeting.
- Corporate actionAnnual General Meeting.
Get alerts →Sign in to be told when any of these change.
What this page does not tell you
What could not be judged, and why. Never empty.
- Models not runFair value, EPV, Graham number, Graham value, Lynch, Owner earnings: no valuation stored.
- FlagsWATCH on 21 of 22 lender flags judged; 1 red; 1 could not be judged.
- Data gapsDividend yield, Business quality, CASA ratio: not available yet.
Not applicable to a bank, lender or insurer · 12
- Altman ZAltman Z reads working capital and sales over assets, which a lender's balance sheet does not have.
- Piotroski F-scorePiotroski's leverage and liquidity checks read deposits and borrowings as weakness.
- Beneish M-scoreThe Beneish model reads receivables, margins and depreciation that a lender's accounts do not report.
- Operating marginInterest is a lender's cost of goods, so operating profit before interest is not defined.
- Interest coverageInterest is a lender's main cost, not a charge on operating profit.
- Debt to equityBorrowings and deposits are a lender's raw material; gearing is judged by capital adequacy instead.
- EV/EBITDAEnterprise value adds borrowings to market cap; for a lender borrowings are the business, not a claim on it.
- FCF yieldOperating cash flow less capex is not free cash flow for a lender: loan growth sits in operating cash flow.
- Cash conversion cycleA lender's receivables are its loan book, not invoices waiting to be paid.
- Asset turnoverA lender earns a spread on its assets, not a turnover of them.
- ROCEEBIT over capital employed reads a lender's interest income against its borrowings; return on assets and return on equity are the lender's measures.
- ROCE, 10-year averageEBIT over capital employed reads a lender's interest income against its borrowings; return on assets is the lender's measure (HDFC Bank's 1.7% ten-year ROCE means nothing).
What this page rests on
✓6 years of annual statements, through FY2026 (Mar-26)✓10 quarters of results✓285 months of month-end prices, adjusted for bonuses and splits○no valuation of ours yet✓business-model card FY2026 · 42 verified
Questions people ask
What is Indian Overseas Bank's share price today?
Indian Overseas Bank last traded at ₹30.25 on the NSE, as of 12 Oct 2026, 11:00 pm IST, down 1.1% on the day, down 23.2% over a year. Its 52-week range is ₹30 to ₹42. The live price is in the app.
What is Indian Overseas Bank's market cap?
Indian Overseas Bank's market capitalisation is about ₹58,887 crore: what it would cost to buy every share at today's price. That makes it the 78th largest mid cap company we cover.
Is Indian Overseas Bank a large cap, mid cap or small cap?
Indian Overseas Bank (IOB) is a mid cap company in AMFI's classification for Jan-Jun 2026. SEBI's buckets go by rank on six-month average market capitalisation: the top 100 are large caps, 101 to 250 mid caps, the rest small caps.
What is Indian Overseas Bank's P/E ratio?
9.99, vs peers 6.6 · 9th of 11. Price divided by last year's earnings per share: how many years of today's profit you pay for.
Is Indian Overseas Bank overvalued?
Dear, with low confidence: no valuation within 120 days; P/E 10.0 vs peers 6.6 (9th of 11); P/B 1.8 vs peers 0.96 (11th of 11).
How does Indian Overseas Bank make money?
Indian Overseas Bank is a public sector bank that serves customers through branches, business correspondents, ATMs and digital channels in India and through overseas branches. It earns mainly interest on advances and investments, plus commission, exchange and brokerage income, and it segments its revenue into Treasury, Corporate/Wholesale, Retail and Other Banking Operations.
Why is there no Altman Z or debt to equity for Indian Overseas Bank?
Borrowing is a bank's or lender's raw material, so those ratios mislead. Net interest margin, gross NPA, return on assets and the capital ratios are shown instead.
Who are Indian Overseas Bank's peers?
Compared with 10 Public Sector Bank: Punjab National Bank, Union Bank of India, Bank of Baroda, Indian Bank, Canara Bank and 5 more. The app shows how they compare on every figure.
Is this investment advice?
No. Valarth is a research and learning tool and is not a SEBI-registered investment adviser or research analyst. The figures come from the company's filings and the exchanges; what to do with them is your call.
How did Indian Overseas Bank do last quarter?
Indian Overseas Bank reported income of ₹10,938 Cr, up 11.8% on a year earlier and a net profit of ₹1,716 Cr, up 59.6% in the Jun 2026 quarter.
Who owns Indian Overseas Bank?
Indian Overseas Bank is held by promoters 92.4%, foreign institutions 0.5%, domestic institutions 4.3%.
Does Indian Overseas Bank pay a dividend?
Indian Overseas Bank last paid ₹0.50 a share, ex-dividend 19 Jun 2014; nothing in the past 12 months counts toward a yield.