Indian Overseas Bank
Indian Overseas Bank was founded in 1937 by Chidambaram Chettyar. It was one of the 14 major banks that were nationalized in 1969. [1]
- Market Cap ₹ 65,472 Cr.
- Current Price ₹ 34.0
- High / Low ₹ 54.5 / 33.0
- Stock P/E 14.9
- Book Value ₹ 17.8
- Dividend Yield 0.00 %
- ROCE 5.97 %
- ROE 11.4 %
- Face Value ₹ 10.0
Pros
- Company's working capital requirements have reduced from 195 days to 113 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 10.2% 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
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2002 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|
| 3,171 | 16,976 | 16,736 | 19,407 | 24,066 | 28,144 | 29,989 | |
| Interest | 2,203 | 11,069 | 10,419 | 11,146 | 14,226 | 17,244 | 18,263 |
| 1,273 | 10,367 | 9,270 | 9,763 | 11,746 | 11,538 | 11,416 | |
| Financing Profit | -305 | -4,461 | -2,954 | -1,503 | -1,906 | -639 | 310 |
| Financing Margin % | -10% | -26% | -18% | -8% | -8% | -2% | 1% |
| 536 | 5,486 | 4,905 | 4,116 | 5,665 | 5,607 | 5,726 | |
| Depreciation | 0 | 258 | 173 | 260 | 336 | 395 | 0 |
| Profit before tax | 231 | 767 | 1,779 | 2,353 | 3,423 | 4,573 | 6,036 |
| Tax % | 0% | 1% | 4% | 11% | 22% | 26% | |
| 231 | 758 | 1,709 | 2,104 | 2,666 | 3,396 | 4,404 | |
| EPS in Rs | 0.46 | 0.90 | 1.11 | 1.41 | 1.76 | 2.29 | |
| Dividend Payout % | 23% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 19% |
| TTM: | 14% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 26% |
| TTM: | 49% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 1% |
| 5 Years: | 25% |
| 3 Years: | 3% |
| 1 Year: | -36% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 10% |
| Last Year: | 11% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2002 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|
| Equity Capital | 445 | 16,647 | 18,902 | 18,902 | 18,902 | 19,257 | 19,257 |
| Reserves | 654 | 452 | 3,695 | 5,974 | 8,659 | 12,977 | 14,975 |
| Deposits | 31,808 | 240,353 | 262,214 | 260,974 | 286,121 | 311,939 | 339,066 |
| Borrowing | 180 | 3,672 | 3,071 | 20,804 | 30,387 | 42,228 | 46,433 |
| 2,389 | 13,106 | 11,148 | 6,785 | 7,799 | 8,308 | 12,152 | |
| Total Liabilities | 35,477 | 274,229 | 299,030 | 313,438 | 351,869 | 394,708 | 431,883 |
| 387 | 2,918 | 3,366 | 3,711 | 3,726 | 4,581 | 4,989 | |
| CWIP | 0 | 1 | 0 | 0 | 14 | 74 | 0 |
| Investments | 15,015 | 95,485 | 97,641 | 93,643 | 99,194 | 110,588 | 115,953 |
| 20,075 | 175,825 | 198,023 | 216,085 | 248,935 | 279,465 | 310,941 | |
| Total Assets | 35,477 | 274,229 | 299,030 | 313,438 | 351,869 | 394,708 | 431,883 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2002 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|
| 4,949 | 5,539 | -13,655 | -1,119 | 2,840 | ||
| -46 | -49 | -560 | -359 | -579 | ||
| 1,813 | 479 | -1,916 | -528 | 144 | ||
| Net Cash Flow | 6,716 | 5,969 | -16,130 | -2,006 | 2,405 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2002 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|
| ROE % | 9% | 9% | 10% | 11% |
Documents
Announcements
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Disclosure Under Regulation 30 Of SEBI (LODR) Regulations, 2015
13m - Received USD 25,717,298.33 interim distribution from MVL of India International Bank (Malaysia) Bhd on 19.12.2025.
-
Disclosure Under Regulation 7(2)(B) Of The SEBI (Prohibition Of Insider Trading) Regulations, 2015
1h - Promoters submitted Form C disclosing sale of IOB equity shares on 19.12.2025.
- Updates on Notice of Offer for Sale of Shares by Promoter (Oversubscription Notice) 1d
- Notice of Offer for Sale of Shares by Promoter & Floor Price 16 Dec
-
Announcement under Regulation 30 (LODR)-Interest Rates Updates
11 Dec - IOB cuts 3M, 6M, 1Y MCLR by 5bps; EBLR/RLLR and repo down 25bps effective 15.12.2025.
Annual reports
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Financial Year 2025
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2012
from nse
Concalls
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Revenue Mix Q1 FY25
Corporate/Wholesale banking: 38%
Retail banking: 36%
Treasury: 24%
Other: 2% [1]