Indian Overseas Bank

₹ 30.4 -1.87%

01 Oct - 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 ₹ 58,502 Cr.
Current Price ₹ 30.4
High / Low ₹ 41.8 / 30.1
Stock P/E 9.82
Book Value ₹ 20.2
Dividend Yield 0.00 %
ROCE 6.12 %
ROE 15.6 %
Face Value ₹ 10.0

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Pros

Company has delivered good profit growth of 48.2% 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 12.6% 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 Dollex 200 BSE PSU BSE Financial Services BSE 150 MidCap Index Nifty500 Equal Weight Nifty500 LargeMidSmall Equal-Cap Weighted BSE 1000 BSE PSU Bank Nifty Smallcap 500 Nifty MidSmallcap400 50:50 Nifty Total Market Nifty LargeMidcap 250 BSE 200 BSE 500 Nifty 500 Nifty PSU Bank Nifty Midcap 150 Nifty MidSmallcap 400 BSE 400 MidSmallCap Index BSE 250 LargeMidCap Index BSE 200 Equal Weight Nifty 500 Multicap 50:25:25

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Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	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
	5,427	5,825	6,180	6,634	6,539	6,854	7,116	7,635	7,387	7,851	8,172	8,489	8,778
Interest	3,102	3,477	3,780	3,868	4,096	4,315	4,324	4,510	4,639	4,790	4,874	5,019	5,090
	2,621	2,829	2,583	4,049	2,738	3,191	2,852	3,152	2,714	2,698	3,430	3,102	3,989
Financing Profit	-296	-481	-183	-1,283	-295	-652	-60	-27	34	364	-132	368	-301
Financing Margin %	-5%	-8%	-3%	-19%	-5%	-10%	-1%	-0%	0%	5%	-2%	4%	-3%
	807	1,117	1,263	2,479	1,033	1,634	1,298	1,581	1,480	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	511	636	1,080	1,196	739	982	1,238	1,554	1,515	1,729	1,367	1,659	1,859
Tax %	1%	1%	33%	32%	14%	21%	29%	32%	27%	29%	0%	9%	11%
	504	627	724	810	649	780	875	1,092	1,178	1,259	1,427	1,556	1,716
EPS in Rs	0.27	0.33	0.38	0.43	0.34	0.41	0.46	0.57	0.61	0.65	0.74	0.81	0.89
Gross NPA %
Net NPA %
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2002	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	3,171	16,976	16,736	19,407	24,066	28,144	31,896	33,290
Interest	2,203	11,069	10,419	11,146	14,226	17,244	19,322	19,773
	1,273	10,367	9,270	9,763	11,746	11,538	11,421	13,218
Financing Profit	-305	-4,461	-2,954	-1,503	-1,906	-639	1,153	299
Financing Margin %	-10%	-26%	-18%	-8%	-8%	-2%	4%	1%
	536	5,486	4,905	4,116	5,665	5,607	5,847	6,316
Depreciation	0	258	173	260	336	395	521	0
Profit before tax	231	767	1,779	2,353	3,423	4,573	6,478	6,615
Tax %	0%	1%	4%	11%	22%	26%	16%
	231	758	1,709	2,104	2,666	3,396	5,418	5,958
EPS in Rs		0.46	0.90	1.11	1.41	1.76	2.81	3.09
Dividend Payout %	23%	0%	0%	0%	0%	0%	0%

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

Compounded Profit Growth
10 Years:	%
5 Years:	48%
3 Years:	37%
TTM:	52%

Stock Price CAGR
10 Years:	2%
5 Years:	6%
3 Years:	-14%
1 Year:	-24%

Return on Equity
10 Years:	%
5 Years:	11%
3 Years:	13%
Last Year:	16%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2002	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
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	17,734
Deposits	31,808	240,353	262,214	260,974	286,121	311,204	368,191
Borrowing	180	3,672	3,071	20,804	30,387	42,228	51,603
	2,389	13,106	11,148	6,785	7,799	9,045	16,011
Total Liabilities	35,477	274,229	299,030	313,438	351,869	394,710	472,795
	387	2,918	3,366	3,711	3,726	4,581	5,007
CWIP	0	1	0	0	14	74	67
Investments	15,015	95,485	97,641	93,643	99,194	110,588	119,285
	20,075	175,825	198,023	216,085	248,935	279,467	348,436
Total Assets	35,477	274,229	299,030	313,438	351,869	394,710	472,795

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	4,949	5,539	-13,655	-1,119	2,647	4,780
	-46	-49	-560	-359	-579	-639
	1,813	479	-1,916	-528	337	-138
Net Cash Flow	6,716	5,969	-16,130	-2,006	2,405	4,003
Free Cash Flow	4,903	5,490	-14,214	-1,478	2,068	4,141
CFO/OP	77%	84%	-138%	-4%	4%	26%

Ratios

Consolidated / View Standalone

	Mar 2002	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	21%	4%	9%	9%	10%	11%	16%

Insights

In beta

Mar 2017

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Gross NPA Ratio
% ・Standalone data

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xxx,xxx	xxx,xxx	xxx,xxx	xxx,xxx	xxx,xxx	xxx,xxx	xxx,xxx	xxx,xxx	xxx,xxx	xxx,xxx
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Total Global Advances (Loan Book)
INR Crore ・Standalone data

Total Global Deposits
INR Crore ・Standalone data

CASA Ratio (Global)
% ・Standalone data

Number of Domestic Branches
count ・Standalone data

RAM Share of Domestic Advances
% ・Standalone data

Mobile Banking Registered Users
Lakhs ・Standalone data

Slippage Ratio
% ・Standalone data

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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