IOB
I O B share price & financials
- Price
- ₹35.09
- Market cap
- ₹65.2k Cr
- Sector
- Financial Services
- Calls analysed
- 6
I O B Q1 FY27
What went well
- Net profit for Q1 FY27 was INR 1,659 crores, a 49.32% year-on-year increase from INR 1,111 crores in Q1 FY26.
- Operating profit reached INR 2,693 crores, registering a 14.21% year-on-year growth.
- Gross NPA percentage reduced by 64 bps YoY to 1.33% and Net NPA percentage reduced by 14 bps YoY to 0.18%.
What I O B does
Indian Overseas Bank is a Government of India-owned public sector bank (GoI holds a 92.44% stake) that takes retail, current and term deposits and lends across Retail, Agriculture, MSME and Corporate & Other segments, distributing through a branch, ATM and business-correspondent network across India plus an overseas presence in Singapore, Hong Kong, Thailand and Sri Lanka. It also runs a domestic investment (SLR/Non-SLR) portfolio and offers digital banking, UPI, internet banking and card products to retail and corporate customers.
Segments
- Retail
- Agriculture
- MSME
- Corporate & Others
- Domestic branches
- 3,438
- ATMs/CRs
- 3,622
- Business correspondents
- 11,959
- Employees
- 20,000+
- Overseas presence
- Singapore, Hong Kong, Thailand and Sri Lanka
- Mobile banking users
- 117.9 lakh
Guidance record · Q1 FY27
what the last two calls moved 23 tracked 4 delivered 3 missed 16 open- Credit Growth delivered said Q4 FY25 Promised: 14% to 15% Q1 FY27: Promise was for FY26 and has been achieved.
- Cost-to-Income Ratio missed said Q4 FY25 Promised: around 42% by end of FY26 Q1 FY27: Promise was for FY26 and has been missed.
- QIP Capital Raise delayed said Q2 FY26 Promised: INR 4,000 crores in Q4 FY26 Q1 FY27: The original plan for a Rs. 4,000 cr QIP in FY26 was delayed. Management has now announced a new, larger plan to raise Rs. 5,000 crores in equity in Q3/Q4 FY27, superseding this promise.
All 23 tracked — every revision, and every one management stopped mentioning.
Open the guidance ledgerQuarterly results
Q1 FY27: revenue up 18.8%, net profit up 49.3% against the same quarter last year.
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 6,851 | 7,112 | 7,634 | 7,386 | 7,849 +15% | 8,172 +15% | 8,489 +11% | 8,778 +19% |
| Net profit | 777 | 874 | 1,051 | 1,111 | 1,226 +58% | 1,365 +56% | 1,505 +43% | 1,659 +49% |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Performance −16.4% 1Y
1Y: ₹39.58 on 10 Sept 2025 → ₹33.07. High ₹40.88 (19 Sept 2025), low ₹31.38 (30 Mar 2026).
How the price took the results
close before → close after
- Q1 FY27
- +3.4%
- 20 Jul
- Q4 FY26
- −1.0%
- 8 May
- Q3 FY26
- +2.1%
- 14 Jan
- Q2 FY26
- −1.1%
- 16 Oct
The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.
Financials, as filed
Revenue grew 18.0% a year over 3 years, FY23 to FY26.
| Year ending | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| Revenue | ₹19.4k Cr | ₹24.1k Cr | ₹28.1k Cr | ₹31.9k Cr |
| Interest | ₹11.1k Cr | ₹14.2k Cr | ₹17.2k Cr | ₹19.3k Cr |
| Depreciation | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Net profit | ₹2.1k Cr | ₹2.7k Cr | ₹3.3k Cr | ₹5.2k Cr |
| Net margin | 10.8% | 11.0% | 11.9% | 16.3% |
| ROE | 9.0% | 10.0% | 11.0% | 15.0% |
How to read this
From the company's own filings. Margins are computed from the filed sums; a year with an incomplete quarter is left blank rather than estimated.
Balance sheet
| Year ending | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| Equity capital | ₹16.4k Cr | ₹18.9k Cr | ₹18.9k Cr | ₹18.9k Cr | ₹19.3k Cr | ₹19.3k Cr |
| Reserves | ₹508 Cr | ₹4.1k Cr | ₹6.4k Cr | ₹9.0k Cr | ₹15.6k Cr | ₹18.3k Cr |
| Borrowings | ₹3.7k Cr | ₹3.1k Cr | ₹20.8k Cr | ₹30.4k Cr | — | ₹51.6k Cr |
| Deposits | ₹240.3k Cr | ₹262.2k Cr | ₹260.9k Cr | ₹285.9k Cr | — | ₹368.2k Cr |
| Other liabilities | ₹13.1k Cr | ₹11.1k Cr | ₹6.8k Cr | ₹7.8k Cr | ₹12.2k Cr | ₹16.0k Cr |
| Total liabilities | ₹274.0k Cr | ₹299.4k Cr | ₹313.7k Cr | ₹352.0k Cr | ₹432.5k Cr | ₹473.3k Cr |
| Fixed assets | ₹2.9k Cr | ₹3.4k Cr | ₹3.7k Cr | ₹3.7k Cr | ₹5.0k Cr | ₹5.0k Cr |
| Capital work in progress | ₹1 Cr | ₹0 Cr | ₹0 Cr | ₹14 Cr | ₹0 Cr | ₹67 Cr |
| Investments | ₹95.5k Cr | ₹98.2k Cr | ₹94.2k Cr | ₹99.6k Cr | ₹116.8k Cr | ₹119.8k Cr |
| Other assets | ₹175.6k Cr | ₹197.8k Cr | ₹215.9k Cr | ₹248.7k Cr | ₹310.7k Cr | ₹348.4k Cr |
| Total assets | ₹274.0k Cr | ₹299.4k Cr | ₹313.7k Cr | ₹352.0k Cr | ₹432.5k Cr | ₹473.3k Cr |
How to read this
As filed each year. A line the company does not report — deposits for a non-lender, for instance — is left out rather than shown as a row of dashes.
Who owns it
As disclosed at Jun 2026
Since Jun 2025, promoters trimmed −2.17 pp while DIIs added +1.92 pp. The shareholder count shrank 5% to 9,55,025.
- Promoters
- 92.4%
- FIIs
- 0.5%
- DIIs
- 4.3%
- Public
- 2.8%
Since Jun 2025
- Promoters −2.17 pp
- DIIs +1.92 pp
- FIIs +0.39 pp
How it drifted, 12 quarters
Over this window promoters fell from 96.4% to 92.4% — −3.9 pp.
Ownership split by quarter, oldest first. Sep '23: Promoters 96.4%, FIIs 0.1%, DIIs 1.3%, Public 2.1%.Dec '23: Promoters 96.4%, FIIs 0.0%, DIIs 1.3%, Public 2.3%.Mar '24: Promoters 96.4%, FIIs 0.1%, DIIs 1.3%, Public 2.3%.Jun '24: Promoters 96.4%, FIIs 0.1%, DIIs 1.3%, Public 2.3%.Sep '24: Promoters 96.4%, FIIs 0.0%, DIIs 1.3%, Public 2.3%.Dec '24: Promoters 96.4%, FIIs 0.0%, DIIs 1.3%, Public 2.3%.Mar '25: Promoters 94.6%, FIIs 0.2%, DIIs 2.6%, Public 2.6%.Jun '25: Promoters 94.6%, FIIs 0.1%, DIIs 2.4%, Public 2.9%.Sep '25: Promoters 94.6%, FIIs 0.3%, DIIs 2.3%, Public 2.8%.Dec '25: Promoters 92.4%, FIIs 0.3%, DIIs 4.3%, Public 2.9%.Mar '26: Promoters 92.4%, FIIs 0.4%, DIIs 4.3%, Public 2.9%.Jun '26: Promoters 92.4%, FIIs 0.5%, DIIs 4.3%, Public 2.8%.
Who is on the register
Named in the Jun 2026 filing
Every holder of I O B above SEBI's 1% disclosure line, and what changed since Mar 2026.
| Holder | Stake | Change |
|---|---|---|
| President Of India | 92.44% | unchanged |
| Life Insurance Corporation Of India Insurer | 3.70% | unchanged |
A holder disappearing from this list has fallen below the 1% line — it is not necessarily a sale. Percentages are of total shares, as disclosed in the company's own filing. Who was buying across the market this quarter.
Mutual funds in IOB
Filings to Aug 2026
0 new, 5 added, 3 trimmed, 0 sold out — net −20.89 L shares (−8.3%).
- Held by funds
- ₹75 Cr
- 8 schemes
- Biggest holder
- Nippon India ETF Nifty PSU Bank BeES
- ₹52 Cr · 1.3% of that fund
| Scheme | Holding | Last month | Held since |
|---|---|---|---|
| Nippon India ETF Nifty PSU Bank BeES Nippon India Mutual Fund | ₹52 Cr | −3.13 L | Dec '19 |
| Nippon India Nifty Smallcap 250 Index Fund Nippon India Mutual Fund | ₹8 Cr | +0.28 L | Mar '26 |
| SBI BSE PSU Bank ETF SBI Mutual Fund | ₹5 Cr | −18.21 L | Mar '25 |
| SBI BSE PSU Bank Index Fund SBI Mutual Fund | ₹5 Cr | +0.04 L | Mar '25 |
| SBI Nifty Smallcap 250 Index Fund SBI Mutual Fund | ₹4 Cr | +0.13 L | Mar '26 |
| Nippon India Nifty 500 Equal Weight Index Fund Nippon India Mutual Fund | ₹1 Cr | +0.00 L | Sep '24 |
| SBI Nifty 500 Index Fund SBI Mutual Fund | ₹0 Cr | −0.00 L | Sep '24 |
| SBI Nifty Small Cap 250 ETF SBI Mutual Fund | ₹0 Cr | +0.00 L | May '26 |
HDFC, Nippon India and SBI schemes, from their monthly disclosures. Changes are counted in shares, so a price move never looks like buying or selling.
Mutual funds Aug 2026
5 added, 3 trimmed — net −20.89 L shares (−8.3%)
- Funds are sitting on
- +2%
- vs est. average cost
- Held by funds
- ₹75 Cr
- 8 schemes · ≈ 0.12% of the company
- Biggest holder
- Nippon India ETF Nifty PSU Bank BeES
- ₹52 Cr · 1.3% of that fund
Shares held by these funds +167%
Aug '23 2.52 cr shares Jul '26
All earnings calls (5)
Read the Q1 FY27 call →Learn to analyse I O B
Guides on how to read this kind of business and the numbers that matter.