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Indian Overseas Bank (IOB) is a major public sector bank in India, renowned for its diverse banking services including personal, corporate, and agricultural banking, alongside forex and credit card services.
IOB achieved a record-high quarterly net profit of Rs. 1,365 crores in Q3 FY2026, marking a significant 56.18% year-on-year growth, highlighting its robust financial performance.
The bank has significantly improved its asset quality, reducing Gross NPA ratio from 2.55% to 1.54% and Net NPA ratio to 0.24% over the past year, reflecting effective NPA management strategies.
With an aggressive branch expansion strategy, IOB opened 101 new branches in FY 2024-25, aiming to strengthen its market presence and enhance service accessibility for customers across India.
Banks
Public Sector Bank
62,372 Cr
High Risk
11.5
12.8
0.5
1.9
41.73
31.18
Sales CAGR
Profit CAGR
ROE
ROCE
Indian Overseas Bank (IOB) is currently trading at 33.30 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Indian Overseas Bank (IOB) is a major public sector bank in India, renowned for its diverse banking services including personal, corporate, and agricultural banking, alongside forex and credit card services. IOB achieved a record-high quarterly net profit of Rs. 1,365 crores in Q3 FY2026, marking a significant 56.18% year-on-year growth, highlighting its robust financial performance. The bank has significantly improved its asset quality, reducing Gross NPA ratio from 2.55% to 1.54% and Net NPA ratio to 0.24% over the past year, reflecting effective NPA management strategies. With an aggressive branch expansion strategy, IOB opened 101 new branches in FY 2024-25, aiming to strengthen its market presence and enhance service accessibility for customers across India.
Over the past 52 weeks, Indian Overseas Bank has traded between a low of ₹31.18 and a high of ₹41.73. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Indian Overseas Bank has a market capitalization of approximately 62,372.09. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Indian Overseas Bank’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 11.51 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 62,372.09 Cr, Indian Overseas Bank is classified as a Mid Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Indian Overseas Bank operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Indian Overseas Bank is 11.51. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
IOB said it intends to raise up to ₹5,000 crore in FY26 through a mix of equity (up to ₹4,000 crore) and Basel III Tier II bonds (up to ₹1,000 crore).
Indian Overseas Bank reported Q4 FY26 net profit of ₹1,505.45 crore, up 43.23% YoY from ₹1,051.07 crore.
Indian Overseas Bank reported a net profit of ₹1,505.45 crore in Q4 FY26, up 43.23% year-on-year from ₹1,051.07 crore in Q4 FY25.
IOB reported standalone net profit of ₹1,051.07 crore in Q4FY25, up 30.1% year-on-year.
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
825.65 | 1,11,212 Cr | 9.50 | 1.52 | 2.21 | 14.32 | 5.70 | 1.16 | ||
141.70 | 64,420 Cr | 6.25 | 0.79 | 3.29 | 11.22 | 5.42 | 0.86 | ||
83.11 | 63,925 Cr | 9.11 | 2.04 | 1.44 | 21.13 | 5.49 | 1.64 | ||
32.39 | 62,372 Cr | 11.51 | 1.86 | 0.00 | 14.09 | 5.46 | 1.10 | ||
25.10 | 31,474 Cr | 12.75 | 1.13 | 1.75 | 7.92 | 5.32 | 0.67 | ||
30.19 | 27,326 Cr | 6.04 | 0.78 | 5.96 | 11.50 | 5.18 | 0.81 | ||
23.41 | 16,618 Cr | 12.57 | 1.27 | 1.67 | 9.35 | 5.53 | 0.79 | ||
| Median: 7 Co. | — | 32.39 | 62,372 Cr | 9.50 | 1.27 | 1.75 | 11.50 | 5.46 | 0.86 |
MCLR revision
Indian Overseas Bank updated its MCLR w.e.f. 15.06.2026: 1M to 8.25% (+5bps), 1Y to 8.80% (+5bps), 2Y to 8.80% (+5bps); other tenors largely unchanged (Overnight 7.90%, 3M 8.40%, 6M 8.65%, 3Y 8.85%).
Sustainability Report
IOB submitted its Business Responsibility and Sustainability Report (BRSR) for FY2025-26 to stock exchanges under Reg.34(2)(f), with a reasonable assurance report by FAP Solutions; the BRSR (part of the Annual Report) outlines ESG, governance, digital and green initiatives.
Sustainability report filing
Indian Overseas Bank submitted its BRSR for FY2025-26, including a Reasonable Assurance Report by M/s FAP Solutions, as part of the Annual Report in compliance with SEBI listing requirements.
AGM Notice
IOB's 26th AGM on 7 Jul 2026 (VC/OAVM) will consider audited standalone & consolidated FY2025-26 financials, a proposal to raise up to ₹5,000 crore, appropriation of accumulated losses from share premium, and extension of MD&CEO's term to 08.10.2027; cut-off 30 Jun; e‑voting 3–6 Jul.
AGM Notice
Notice of Indian Overseas Bank's 26th AGM scheduled 07‑Jul‑2026 at 11:00 AM via VC/OAVM to consider adoption of audited standalone & consolidated FY2026 accounts, proposal to raise up to ₹5,000 crore, and MD’s tenure extension.
