Indian Overseas Bank

₹ 33.8 -0.82%

28 Jul - 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 ₹ 65,164 Cr.
Current Price ₹ 33.8
High / Low ₹ 41.8 / 31.2
Stock P/E 11.3
Book Value ₹ 20.5
Dividend Yield 0.00 %
ROCE 6.07 %
ROE 14.9 %
Face Value ₹ 10.0

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Pros

Company has delivered good profit growth of 44.4% CAGR over last 5 years

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 12.2% over last 3 years.
Contingent liabilities of Rs.1,71,517 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 Financial Services BSE 150 MidCap Index BSE 250 LargeMidCap Index BSE 400 MidSmallCap Index Nifty 500 Multicap 50:25:25 Nifty Smallcap 250 Nifty MidSmallcap 400 Nifty Total Market BSE 200 Equal Weight Nifty500 Equal Weight Nifty500 LargeMidSmall Equal-Cap Weighted BSE 1000 BSE PSU Bank Nifty Smallcap 500

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	5,424	5,821	6,176	6,629	6,535	6,851	7,112	7,634	7,386	7,849	8,172	8,489	8,778
Interest	3,102	3,475	3,778	3,866	4,094	4,313	4,323	4,511	4,639	4,790	4,874	5,019	5,090
	2,618	2,827	2,581	4,047	2,736	3,189	2,849	3,150	2,713	2,697	3,430	3,102	3,989
Financing Profit	-296	-481	-183	-1,284	-295	-652	-60	-27	33	362	-132	368	-301
Financing Margin %	-5%	-8%	-3%	-19%	-5%	-10%	-1%	-0%	0%	5%	-2%	4%	-3%
	803	1,114	1,262	2,477	1,033	1,633	1,298	1,581	1,481	1,365	1,499	1,291	2,160
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	507	633	1,079	1,193	738	982	1,237	1,554	1,514	1,728	1,367	1,659	1,859
Tax %	1%	1%	33%	32%	14%	21%	29%	32%	27%	29%	0%	9%	11%
	500	625	723	808	633	777	874	1,051	1,111	1,226	1,365	1,505	1,659
EPS in Rs	0.26	0.33	0.38	0.43	0.33	0.41	0.46	0.55	0.58	0.64	0.71	0.78	0.86
Gross NPA %	7.13%	4.74%	3.90%	3.10%	2.89%	2.72%	2.55%	2.14%	1.97%	1.83%	1.54%	1.42%	1.33%
Net NPA %	1.44%	0.68%	0.62%	0.57%	0.51%	0.47%	0.42%	0.37%	0.32%	0.28%	0.24%	0.21%	0.18%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	23,938	23,517	19,719	17,915	17,631	17,406	16,966	16,730	19,400	24,050	28,131	31,896	33,288
Interest	18,554	18,135	14,529	12,448	12,352	12,103	11,067	10,419	11,145	14,220	17,241	19,322	19,773
	7,262	11,443	11,728	17,573	15,142	16,706	10,360	9,263	9,756	11,737	11,529	11,421	13,218
Financing Profit	-1,878	-6,060	-6,539	-12,106	-9,863	-11,404	-4,461	-2,952	-1,501	-1,908	-639	1,153	297
Financing Margin %	-8%	-26%	-33%	-68%	-56%	-66%	-26%	-18%	-8%	-8%	-2%	4%	1%
	2,139	2,528	3,373	3,746	4,206	3,360	5,559	4,903	4,109	5,656	5,545	5,636	6,316
Depreciation	149	196	215	272	304	301	258	172	260	336	394	521	0
Profit before tax	111	-3,728	-3,381	-8,632	-5,961	-8,344	840	1,779	2,348	3,413	4,512	6,268	6,613
Tax %	508%	-22%	1%	-27%	-37%	2%	1%	4%	11%	22%	26%	17%
	-454	-2,897	-3,417	-6,299	-3,738	-8,527	831	1,710	2,099	2,656	3,335	5,208	5,756
EPS in Rs	-3.68	-16.03	-13.92	-12.88	-4.09	-5.19	0.51	0.90	1.11	1.40	1.73	2.70	2.99
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Compounded Sales Growth
10 Years:	3%
5 Years:	13%
3 Years:	18%
TTM:	15%

Compounded Profit Growth
10 Years:	14%
5 Years:	44%
3 Years:	35%
TTM:	51%

Stock Price CAGR
10 Years:	2%
5 Years:	7%
3 Years:	9%
1 Year:	-11%

Return on Equity
10 Years:	-3%
5 Years:	11%
3 Years:	12%
Last Year:	15%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	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	14,406	13,859	11,290	8,383	7,218	-282	508	4,098	6,361	9,040	13,284	18,259
Deposits	253,451	224,514	211,343	216,832	222,534	222,952	240,288	262,159	260,883	285,905	311,204	368,191
Borrowing	10,830	27,183	16,098	9,228	6,146	5,420	3,672	3,071	20,804	30,387	42,228	51,603
	5,715	7,073	5,983	8,634	4,968	16,200	13,106	11,147	6,784	7,799	9,044	16,011
Total Liabilities	285,637	274,437	247,167	247,968	250,008	260,727	274,010	299,377	313,734	352,034	395,017	473,320
	2,462	3,218	3,002	2,838	3,321	3,124	2,918	3,365	3,710	3,725	4,581	5,007
CWIP	45	52	53	56	16	3	1	0	0	14	74	67
Investments	79,298	79,190	71,654	68,646	66,932	79,416	95,494	98,179	94,170	99,632	111,045	119,810
	203,832	191,977	172,459	176,429	179,739	178,183	175,597	197,833	215,854	248,662	279,317	348,436
Total Assets	285,637	274,437	247,167	247,968	250,008	260,727	274,010	299,377	313,734	352,034	395,017	473,320

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	5,941	-3,091	-505	-1,999	-786	-14,023	4,949	5,566	-15,595	-1,165	2,771	5,502
	-164	-254	-135	-110	-647	-85	-46	-48	-559	-359	-565	-639
	113	692	1,617	5,430	5,780	7,277	1,813	479	-12	-528	310	-710
Net Cash Flow	5,890	-2,652	977	3,322	4,347	-6,831	6,716	5,997	-16,166	-2,052	2,516	4,152
Free Cash Flow	5,783	-3,345	-640	-2,108	-1,433	-14,108	4,903	5,518	-16,155	-1,525	2,205	4,863
CFO/OP	36%	-23%	-1%	-182%	5%	-1,933%	77%	85%	-158%	-5%	5%	30%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	-3%	-19%	-23%	-47%	-26%	-52%	5%	9%	9%	10%	11%	15%

Insights

In beta

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Gross NPA Ratio
%

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

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Total Global Advances (Loan Book)
INR Crore

Total Global Deposits
INR Crore

CASA Ratio (Global)
%

Number of Domestic Branches
count

RAM Share of Domestic Advances
%

Mobile Banking Registered Users
Lakhs

Slippage Ratio
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	96.38%	96.38%	96.38%	96.38%	96.38%	96.38%	94.61%	94.61%	94.61%	92.44%	92.44%	92.44%
	0.15%	0.03%	0.05%	0.05%	0.04%	0.02%	0.22%	0.08%	0.31%	0.35%	0.43%	0.47%
	1.33%	1.29%	1.29%	1.30%	1.30%	1.30%	2.59%	2.37%	2.30%	4.26%	4.28%	4.29%
	2.13%	2.28%	2.28%	2.27%	2.29%	2.30%	2.58%	2.94%	2.78%	2.93%	2.85%	2.80%
No. of Shareholders	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	9,68,298	9,55,025

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Jun 2026
	79.56%	89.74%	92.52%	95.84%	95.84%	96.38%	96.38%	96.38%	94.61%	92.44%	92.44%
	0.81%	0.54%	0.27%	0.18%	0.07%	0.08%	0.14%	0.05%	0.22%	0.43%	0.47%
	12.83%	5.99%	3.18%	1.66%	1.59%	1.31%	1.35%	1.29%	2.59%	4.28%	4.29%
	6.80%	3.73%	4.04%	2.32%	2.50%	2.23%	2.11%	2.28%	2.58%	2.85%	2.80%
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	9,68,298	9,55,025

* 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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