Indian Overseas Bank

₹ 32.2 -2.57%

27 Mar - close price

About

Indian Overseas Bank was founded in 1937 by Chidambaram Chettyar. It was one of the 14 major banks that were nationalized in 1969. ^[1]

Key Points

Business Mix Q3 FY26^[1]
Advances: 46%
Term Deposits: 32%
Savings Bank: 18%
Current Deposits: 4%

Website BSE NSE

Market Cap ₹ 62,006 Cr.
Current Price ₹ 32.2
High / Low ₹ 42.8 / 31.4
Stock P/E 13.0
Book Value ₹ 18.8
Dividend Yield 0.00 %
ROCE 5.95 %
ROE 11.0 %
Face Value ₹ 10.0

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Pros

Company has delivered good profit growth of 19.0% CAGR over last 5 years
Company's working capital requirements have reduced from 191 days to 111 days

Cons

Though the company is reporting repeated profits, it is not paying out dividend
Company has low interest coverage ratio.
Company has a low return on equity of 9.98% over last 3 years.
Contingent liabilities of Rs.1,76,039 Cr.
Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Banks Public Sector Bank

Part of BSE 500 BSE 200 BSE Dollex 200 BSE PSU Nifty 500 Nifty PSU Bank BSE Allcap BSE Financial Services BSE 150 MidCap Index BSE 250 LargeMidCap Index BSE 400 MidSmallCap Index Nifty LargeMidcap 250 Nifty 500 Multicap 50:25:25 Nifty Midcap 150 Nifty MidSmallcap 400 Nifty Total Market Nifty500 Equal Weight Nifty500 LargeMidSmall Equal-Cap Weighted

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	5,056	5,192	5,424	5,821	6,176	6,629	6,535	6,851	7,112	7,634	7,386	7,849	8,172
Interest	2,784	2,916	3,102	3,475	3,778	3,866	4,094	4,313	4,323	4,511	4,639	4,790	4,874
	2,662	2,820	2,618	2,827	2,581	4,047	2,736	3,189	2,849	3,150	2,713	2,697	3,430
Financing Profit	-390	-544	-296	-481	-183	-1,284	-295	-652	-60	-27	33	362	-132
Financing Margin %	-8%	-10%	-5%	-8%	-3%	-19%	-5%	-10%	-1%	-0%	0%	5%	-2%
	950	1,430	803	1,114	1,262	2,477	1,033	1,633	1,298	1,581	1,481	1,365	1,499
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	560	886	507	633	1,079	1,193	738	982	1,237	1,554	1,514	1,728	1,367
Tax %	1%	27%	1%	1%	33%	32%	14%	21%	29%	32%	27%	29%	0%
	555	650	500	625	723	808	633	777	874	1,051	1,111	1,226	1,365
EPS in Rs	0.29	0.34	0.26	0.33	0.38	0.43	0.33	0.41	0.46	0.55	0.58	0.64	0.71
Gross NPA %	8.19%	7.44%	7.13%	4.74%	3.90%	3.10%	2.89%	2.72%	2.55%	2.14%	1.97%	1.83%	1.54%
Net NPA %	2.43%	1.83%	1.44%	0.68%	0.62%	0.57%	0.51%	0.47%	0.42%	0.37%	0.32%	0.28%	0.24%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	22,684	23,938	23,517	19,719	17,915	17,631	17,406	16,966	16,730	19,400	24,050	28,131	31,040
Interest	17,107	18,554	18,135	14,529	12,448	12,352	12,103	11,067	10,419	11,145	14,220	17,241	18,813
	6,762	7,262	11,443	11,728	17,573	15,142	16,706	10,360	9,263	9,756	11,737	11,529	11,990
Financing Profit	-1,185	-1,878	-6,060	-6,539	-12,106	-9,863	-11,404	-4,461	-2,952	-1,501	-1,908	-639	237
Financing Margin %	-5%	-8%	-26%	-33%	-68%	-56%	-66%	-26%	-18%	-8%	-8%	-2%	1%
	2,169	2,139	2,528	3,373	3,746	4,206	3,360	5,559	4,903	4,109	5,656	5,545	5,927
Depreciation	141	149	196	215	272	304	301	258	172	260	336	394	0
Profit before tax	843	111	-3,728	-3,381	-8,632	-5,961	-8,344	840	1,779	2,348	3,413	4,512	6,163
Tax %	29%	508%	-22%	1%	-27%	-37%	2%	1%	4%	11%	22%	26%
	602	-454	-2,897	-3,417	-6,299	-3,738	-8,527	831	1,710	2,099	2,656	3,335	4,754
EPS in Rs	4.87	-3.68	-16.03	-13.92	-12.88	-4.09	-5.19	0.51	0.90	1.11	1.40	1.73	2.48
Dividend Payout %	25%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Compounded Sales Growth
10 Years:	2%
5 Years:	10%
3 Years:	19%
TTM:	14%

Compounded Profit Growth
10 Years:	25%
5 Years:	19%
3 Years:	25%
TTM:	54%

Stock Price CAGR
10 Years:	1%
5 Years:	15%
3 Years:	12%
1 Year:	-17%

Return on Equity
10 Years:	-7%
5 Years:	9%
3 Years:	10%
Last Year:	11%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	1,235	1,235	1,807	2,455	4,891	9,142	16,437	16,437	18,902	18,902	18,902	19,257	19,257
Reserves	14,935	14,406	13,859	11,290	8,383	7,218	-282	508	4,098	6,361	9,040	13,284	15,579
Deposits	234,578	253,451	224,514	211,343	216,832	222,534	222,952	240,288	262,159	260,883	285,905	311,939	339,066
Borrowing	17,903	10,830	27,183	16,098	9,228	6,146	5,420	3,672	3,071	20,804	30,387	42,228	46,433
	6,247	5,715	7,073	5,983	8,634	4,968	16,200	13,106	11,147	6,784	7,799	8,308	12,152
Total Liabilities	274,899	285,637	274,437	247,167	247,968	250,008	260,727	274,010	299,377	313,734	352,034	395,015	432,487
	2,567	2,462	3,218	3,002	2,838	3,321	3,124	2,918	3,365	3,710	3,725	4,581	4,989
CWIP	37	45	52	53	56	16	3	1	0	0	14	74	0
Investments	70,237	79,298	79,190	71,654	68,646	66,932	79,416	95,494	98,179	94,170	99,632	111,045	116,784
	202,057	203,832	191,977	172,459	176,429	179,739	178,183	175,597	197,833	215,854	248,662	279,315	310,714
Total Assets	274,899	285,637	274,437	247,167	247,968	250,008	260,727	274,010	299,377	313,734	352,034	395,015	432,487

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	3,278	5,941	-3,091	-505	-1,999	-786	-14,023	4,949	5,566	-15,595	-1,165	2,963
	-227	-164	-254	-135	-110	-647	-85	-46	-48	-559	-359	-565
	699	113	692	1,617	5,430	5,780	7,277	1,813	479	-12	-528	118
Net Cash Flow	3,750	5,890	-2,652	977	3,322	4,347	-6,831	6,716	5,997	-16,166	-2,052	2,516
Free Cash Flow	3,058	5,783	-3,345	-640	-2,108	-1,433	-14,108	4,903	5,518	-16,155	-1,525	2,398
CFO/OP	24%	36%	-23%	-1%	-182%	5%	-1,933%	77%	85%	-158%	-5%	6%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
ROE %	4%	-3%	-19%	-23%	-47%	-26%	-52%	5%	9%	9%	10%	11%

Insights

In beta

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Sep 2025

Number of Branches (Domestic)
Number

x,xxx	x,xxx	x,xxx	x,xxx	x,xxx	x,xxx	x,xxx
	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx
	x,xxx	x,xxx	x,xxx	x,xxx	x,xxx	x,xxx
	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx
		xx.xx	xx.xx	xx.xx	xx.xx	xx.xx
			x,xxx	x,xxx	x,xxx	xx,xxx
			x.xx	x.xx	x.xx
				x.xx	x.xx
					xx.xx	xxx.xx

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Domestic CASA Ratio
%

Number of ATMs/CDM Outlets
Number

Provision Coverage Ratio (PCR)
%

Government of India Holding
%

Number of Business Correspondents (BC)
Number

Global Net Interest Margin (NIM)
%

Slippage Ratio
%

UPI Registered Users
Lakhs

Shareholding Pattern

Numbers in percentages

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	96.38%	96.38%	96.38%	96.38%	96.38%	96.38%	96.38%	96.38%	94.61%	94.61%	94.61%	92.44%
	0.14%	0.09%	0.15%	0.03%	0.05%	0.05%	0.04%	0.02%	0.22%	0.08%	0.31%	0.35%
	1.35%	1.33%	1.33%	1.29%	1.29%	1.30%	1.30%	1.30%	2.59%	2.37%	2.30%	4.26%
	2.11%	2.20%	2.13%	2.28%	2.28%	2.27%	2.29%	2.30%	2.58%	2.94%	2.78%	2.93%
No. of Shareholders	5,09,599	5,10,387	6,68,177	7,27,348	10,06,185	9,96,568	9,77,592	9,77,917	9,77,863	10,08,128	9,88,551	9,81,829

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Dec 2025
	79.56%	89.74%	92.52%	95.84%	95.84%	96.38%	96.38%	96.38%	94.61%	92.44%
	0.81%	0.54%	0.27%	0.18%	0.07%	0.08%	0.14%	0.05%	0.22%	0.35%
	12.83%	5.99%	3.18%	1.66%	1.59%	1.31%	1.35%	1.29%	2.59%	4.26%
	6.80%	3.73%	4.04%	2.32%	2.50%	2.23%	2.11%	2.28%	2.58%	2.93%
No. of Shareholders	2,54,376	2,50,816	2,71,947	2,73,860	3,78,586	4,73,897	5,09,599	10,06,185	9,77,863	9,81,829

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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