Indian Overseas Bank (IOB) fundamentals
Indian Overseas Bank is a listed company in Banks, part of the Financial Services sector, listed on the NSE as IOB (ISIN INE565A01014). This page carries its reported financials, balance sheet, cash flow, shareholding pattern and valuation ratios.
What Indian Overseas Bank does
Indian Overseas Bank (the Bank) is engaged in the business of banking. The Bank's segments include Treasury, Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. The Bank offers a comprehensive suite of financial products and services across retail, agriculture, Micro, Small and Medium Enterprises (MSME), and corporate banking. The Bank caters to credit and deposit needs through a portfolio that includes housing loans, jewel loans, business finance, agri-credit, and Environmental, Social, and Governance (ESG)-linked products. Its personal banking services include savings bank, current accounts, term deposits, retail loans, and mortgages and digital banking. Its merchant banking division includes debenture trustee, banker to issue and others. Its digital banking services include Credit Card, Debit Card, Internet Banking, IOB Fastag, and IOB-Pay, among others. It operates overseas branches in Singapore, Colombo, Hong Kong, and Bangkok.
Valuation and market data
| Last close | ₹30.38 |
|---|---|
| Market capitalisation | ₹60,968 crore |
| Enterprise value | ₹35,745 crore |
| P/E (TTM) | 11.25 |
| Price to book | 1.65 |
| Price to sales (TTM) | 1.54 |
| Book value per share | ₹18.43 |
| Dividend yield | 0.00% |
| Sector | Financial Services |
| Industry | Banks |
| Listed since | Thu Dec 07 |
Annual results
| Period | Revenue | Profit before tax | Net profit | EPS |
|---|---|---|---|---|
| Mar 2026 | ₹37,532 crore | ₹6,268 crore | ₹5,208 crore | 2.70 |
| Mar 2025 | ₹33,676 crore | ₹4,512 crore | ₹3,335 crore | 1.76 |
| Mar 2024 | ₹29,706 crore | ₹3,413 crore | ₹2,656 crore | 1.40 |
| Mar 2023 | ₹23,509 crore | ₹2,348 crore | ₹2,099 crore | 1.15 |
Figures are as reported (standalone), in ₹ crore.
Shareholding pattern
As of Sep 2026:
| Promoters | 92.4% |
|---|---|
| Foreign institutions (FII) | 0.5% |
| Mutual funds | 0.2% |
| Other domestic institutions | 3.9% |
| Retail and others | 2.9% |
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Data is sourced from exchange filings and vendor feeds and is for research, not investment advice. Figures can be restated by the company after publication.