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NSE Close — 25 Sep 2026
₹31.98
Change
+0.06 (0.19%)
Open
₹31.92
Prev. Close
₹31.92
Day High
₹32.14
Day Low
₹31.82
Volume Analysis
Traded
1,104,893
Delivered
577,755
Delivery %
52.29%
End-of-day NSE price via the official Bhavcopy — updated once daily after market close, not a live tick.
Strengths, Weaknesses, Opportunities & Threats
Strengths (0)
No signal for this stock
Weaknesses (3)
- •Trading within 3% of its 52-week low (₹31.2)
- •High debt-to-equity ratio (1.4)
- •Promoter holding is falling
Opportunities (1)
- •Strong 3-year EPS growth (36.3%)
Threats (0)
No signal for this stock
Rule-based signals from the fundamentals below — not investment advice.
Pivot Levels
| Type | R3 | R2 | R1 | Pivot | S1 | S2 | S3 |
|---|---|---|---|---|---|---|---|
| Classic | ₹32.46 | ₹32.3 | ₹32.14 | ₹31.98 | ₹31.82 | ₹31.66 | ₹31.5 |
| Fibonacci | ₹32.3 | ₹32.18 | ₹32.1 | ₹31.98 | ₹31.86 | ₹31.78 | ₹31.66 |
| Camarilla | ₹32.07 | ₹32.04 | ₹32.01 | ₹31.98 | ₹31.95 | ₹31.92 | ₹31.89 |
Support/resistance levels for today, calculated from the previous trading day's high/low/close.
Absolute Returns
YTD
-11.88%
1 Week
-0.25%
1 Month
-2.53%
3 Months
-6.19%
6 Months
-1.33%
1 Year
-16.28%
2Y/3Y/5Y not shown yet — price history tracking only goes back to mid-2025 so far.
Stock Vitals
Computed from the latest available annual financials.
Graham Number
₹35.74
Current price is at or below the Graham Number — Benjamin Graham's estimate of fair value based on earnings and book value.
Company Overview
Sector
Financial Services
Market Cap
₹61,505 Cr
P/E (TTM)
10.3
ROE
15.6%
Book Value
₹20.2
Face Value
₹10.0
Source: Screener.in (Consolidated figures) — data as of 24 Sep 2026. Not investment advice.
TopFund Analysis
Indian Overseas Bank lands in the middle of the pack on TopFund's composite fundamentals check within the Financial Services sector, at 55/100. The strongest factor is Growth (100/100), while Momentum (7/100) is the weakest area to weigh before deciding. Notably: Trading within 3% of its 52-week low (₹31.2); high debt-to-equity ratio (1.4). Strong 3-year EPS growth (36.3%).
TopFund Score — Fundamentals Quality
55/100 — AverageData confidence: 73/100 (Moderate Confidence) — based on how complete and how fresh the underlying data is.
As of 27 Sep 2026 · How we calculate this →
Growth
Valuation
Cash Flow
Corporate Governance
Momentum
Institutional Ownership
Business Quality
Risk & Volatility
Liquidity
From Screener.in
- +Company has delivered good profit growth of 48.2% CAGR over last 5 years
- −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.
Not investment advice — an automated read of public fundamentals data, for research context only.
Corporate Actions
Indian Overseas Bank revises MCLR by 5 bps on 3- to 3-year tenors, effective 15.08.2026.
CARE upgraded IOB Tier-II bonds to AA+ Stable and reaffirmed A1+ on CDs.
Transcript of Analyst Meet held on 20.07.2026
Newspaper publication of Financial Results for the quarter ended 30.06.2026
Source: BSE regulatory filings, via Screener.in.
Quarterly Results
Last several quarters
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 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 |
| Expenses + | 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 % | -5.0% | -8.0% | -3.0% | -19.0% | -5.0% | -10.0% | -1.0% | 0.0% | 0.0% | 5.0% | -2.0% | 4.0% | -3.0% |
| Other Income + | 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 |
| 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 |
| 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 % | 1.0% | 1.0% | 33.0% | 32.0% | 14.0% | 21.0% | 29.0% | 32.0% | 27.0% | 29.0% | 0.0% | 9.0% | 11.0% |
| Net Profit + | 504 | 627 | 724 | 810 | 649 | 780 | 875 | 1,092 | 1,178 | 1,259 | 1,427 | 1,556 | 1,716 |
| EPS in Rs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 |
| Raw PDF | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net NPA % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Gross NPA % | — | — | — | — | — | — | — | — | — | — | — | — | — |
Source: Screener.in — figures in ₹ Crores unless marked %.
Profit & Loss (Yearly)
| Mar 2002 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|
| Revenue + | 3,171 | 16,976 | 16,736 | 19,407 | 24,066 | 28,144 | 31,896 | 33,290 |
| Expenses + | 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 % | -10.0% | -26.0% | -18.0% | -8.0% | -8.0% | -2.0% | 4.0% | 1.0% |
| Other Income + | 536 | 5,486 | 4,905 | 4,116 | 5,665 | 5,607 | 5,847 | 6,316 |
| Interest | 2,203 | 11,069 | 10,419 | 11,146 | 14,226 | 17,244 | 19,322 | 19,773 |
| 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 % | 0.0% | 1.0% | 4.0% | 11.0% | 22.0% | 26.0% | 16.0% | — |
| Net Profit + | 231 | 758 | 1,709 | 2,104 | 2,666 | 3,396 | 5,418 | 5,958 |
| EPS in Rs | — | 0 | 1 | 1 | 1 | 2 | 3 | 3 |
| Dividend Payout % | 23.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — |
Source: Screener.in — figures in ₹ Crores unless marked %.
Balance Sheet
| Mar 2002 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| Reserves | 654 | 452 | 3,695 | 5,974 | 8,659 | 12,977 | 17,734 |
| Other Liabilities + | 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 |
| Fixed Assets + | 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 |
| Other Assets + | 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 |
| 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 |
| Equity Capital | 445 | 16,647 | 18,902 | 18,902 | 18,902 | 19,257 | 19,257 |
Source: Screener.in — figures in ₹ Crores unless marked %.
Cash Flow
| Mar 2002 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | — | 4,949 | 5,539 | -13,655 | -1,119 | 2,647 | 4,780 |
| Cash from Investing Activity + | — | -46 | -49 | -560 | -359 | -579 | -639 |
| Cash from Financing Activity + | — | 1,813 | 479 | -1,916 | -528 | 337 | -138 |
| Net Cash Flow | — | 6,716 | 5,969 | -16,130 | -2,006 | 2,405 | 4,003 |
| CFO/OP | — | 77 | 84 | -138 | -4 | 4 | 26 |
| Free Cash Flow | — | 4,903 | 5,490 | -14,214 | -1,478 | 2,068 | 4,141 |
Source: Screener.in — figures in ₹ Crores unless marked %.
Shareholding Pattern
Quarter-by-quarter — Promoters, FII, DII & public holding trend
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Public | 2.13% | 2.28% | 2.28% | 2.27% | 2.29% | 2.3% | 2.58% | 2.94% | 2.78% | 2.93% | 2.85% | 2.8% |
| Promoters | 96.38% | 96.38% | 96.38% | 96.38% | 96.38% | 96.38% | 94.61% | 94.61% | 94.61% | 92.44% | 92.44% | 92.44% |
| FII | 0.15% | 0.03% | 0.05% | 0.05% | 0.04% | 0.02% | 0.22% | 0.08% | 0.31% | 0.35% | 0.43% | 0.47% |
| DII | 1.33% | 1.29% | 1.29% | 1.3% | 1.3% | 1.3% | 2.59% | 2.37% | 2.3% | 4.26% | 4.28% | 4.29% |
Source: Screener.in — quarterly shareholding disclosures.
Peers Comparison
Financial Services — ranked by market cap
| Company | Market Cap (Cr) | P/E | P/B | ROE |
|---|---|---|---|---|
| Indian Overseas Bank (this stock) | 61,505 | 10.3 | 1.58 | 15.6% |
| Motilal Oswal Fin Ltd | 62,046 | 31.3 | 4.81 | 15.5% |
| Bank Of Maharashtra | 62,241 | 8.26 | 1.74 | 22.6% |
| General Ins Corp Of India | 59,501 | 6.7 | 0.8 | 14.6% |
| Bank Of India | 59,385 | 5.04 | 0.65 | 12.4% |
| RBL Bank Limited | 64,401 | 71.6 | 1.53 | 5.43% |
| ICICI Pru Life Ins Co Ltd | 67,860 | 42.2 | 4.98 | 12.6% |
Which Mutual Funds Hold Indian Overseas Bank?
Frequently Asked Questions about Indian Overseas Bank
Indian Overseas Bank (IOB) closed at ₹31.98 on NSE on 25 September 2026, up 0.06 (0.19%) from the previous close.
Indian Overseas Bank trades on the NSE (National Stock Exchange of India) under the symbol IOB.
Indian Overseas Bank has a trailing twelve-month P/E (price-to-earnings) ratio of 10.3.
Indian Overseas Bank has a dividend yield of 0.0%.
Indian Overseas Bank's 52-week high is ₹41.8 and its 52-week low is ₹31.2.
Indian Overseas Bank has a market capitalisation of ₹61,505 crore.
Indian Overseas Bank has a TopFund Quality Score of 55/100 (Average), a composite of profitability, balance-sheet health, growth and valuation. This is an analytical score based on public data, not personalized investment advice — see the full breakdown below before deciding.
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