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Indian Overseas Bank (IOB)₹31.12+0.71%Public Sector Bank
In the Sep 2026 quarter (consolidated), Indian Overseas Bank reported revenue of ₹9,227 Cr, up 17.3% from Sep 2025, and net profit of ₹1,962 Cr, up 55.9% year on year. For the year to Mar 2026, revenue were ₹31,951 Cr and net profit ₹5,409 Cr.
Company filings, consolidated accounts; latest reported quarter Sep 2026
| Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 6,195 | 6,652 | 6,553 | 6,874 | 7,131 | 7,656 | 7,399 | 7,867 | 8,193 | 8,504 | 8,799 | 9,227 |
| Interest | 3,790 | 3,880 | 4,108 | 4,331 | 4,335 | 4,522 | 4,654 | 4,801 | 4,885 | 5,034 | 5,102 | 5,345 |
| Net interest income | 2,405 | 2,771 | 2,445 | 2,543 | 2,796 | 3,134 | 2,745 | 3,065 | 3,308 | 3,470 | 3,697 | 3,882 |
| Expenses | 2,583 | 4,046 | 2,737 | 3,190 | 2,852 | 3,151 | 2,713 | 2,697 | 3,427 | 3,104 | 3,989 | 3,028 |
| Financing Profit | −183 | −1,283 | −295 | −652 | −59.96 | −26.99 | 33.96 | 364 | −132 | 368 | −301 | 839 |
| Financing Margin % | −3.0% | −19.0% | −5.0% | −10.0% | −1.0% | 0.0% | 0.0% | 5.0% | −2.0% | 4.0% | −3.0% | 9.0% |
| Other Income | 1,263 | 2,479 | 1,032 | 1,634 | 1,297 | 1,582 | 1,481 | 1,364 | 1,498 | 1,291 | 2,161 | 1,226 |
| Profit before tax | 1,076 | 1,192 | 736 | 979 | 1,234 | 1,549 | 1,510 | 1,724 | 1,362 | 1,652 | 1,853 | 2,058 |
| Tax % | 33.0% | 32.0% | 14.1% | 21.0% | 29.0% | 32.1% | 27.1% | 29.0% | 0.0% | 9.0% | 11.0% | 7.0% |
| Net Profit | 724 | 809 | 649 | 779 | 874 | 1,091 | 1,176 | 1,259 | 1,424 | 1,553 | 1,713 | 1,962 |
| EPS (Rs) | 0.37 | 0.42 | 0.33 | 0.40 | 0.45 | 0.56 | 0.60 | 0.64 | 0.73 | 0.80 | 0.88 | 1.01 |
| Gross NPA % | 3.9% | 3.1% | 2.9% | 2.7% | 2.6% | 2.1% | 2.0% | 1.8% | 1.5% | 1.4% | 1.3% | 1.2% |
| Net NPA % | 0.6% | 0.6% | 0.5% | 0.5% | 0.4% | 0.4% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% |
| Provision coverage (approx., excl. write-offs) % | 84.1% | 81.6% | 82.4% | 82.7% | 83.5% | 82.7% | 83.8% | 84.7% | 84.4% | 85.2% | 86.5% | 86.6% |
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|
| Revenue | 17,025 | 16,772 | 19,440 | 24,130 | 28,221 | 31,951 | 34,722 |
| Interest | 11,099 | 10,451 | 11,181 | 14,271 | 17,290 | 19,379 | 20,365 |
| Net interest income | 5,926 | 6,321 | 8,259 | 9,859 | 10,931 | 12,572 | 14,357 |
| Expenses | 10,360 | 9,264 | 9,766 | 11,737 | 11,535 | 11,427 | 13,548 |
| Financing Profit | −4,456 | −2,953 | −1,503 | −1,905 | −639 | 1,152 | 774 |
| Financing Margin % | −26.0% | −18.0% | −8.0% | −8.0% | −2.0% | 4.0% | 2.2% |
| Other Income | 5,486 | 4,900 | 4,116 | 5,665 | 5,609 | 5,846 | 6,176 |
| Depreciation | 257 | 172 | 259 | 335 | 394 | 519 | 0.00 |
| Profit before tax | 764 | 1,772 | 2,345 | 3,412 | 4,559 | 6,452 | 6,926 |
| Tax % | 1.0% | 4.0% | 11.0% | 22.0% | 26.1% | 16.1% | — |
| Exceptional items | 1.01 | 1.01 | 1.01 | 2.01 | 2.01 | 2.01 | — |
| Net Profit | 758 | 1,707 | 2,100 | 2,663 | 3,394 | 5,409 | 6,653 |
| EPS (Rs) | 0.45 | 0.89 | 1.10 | 1.40 | 1.75 | 2.80 | 3.42 |
| Dividend payout % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — |
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Equity Capital | 16,705 | 18,967 | 18,976 | 18,979 | 19,326 | 19,320 |
| Reserves | 451 | 3,683 | 5,960 | 8,639 | 12,963 | 17,709 |
| Deposits | 2,40,196 | 2,61,941 | 2,60,722 | 2,85,790 | 3,11,010 | 3,67,835 |
| Borrowings | 3,671 | 3,070 | 20,787 | 30,380 | 42,227 | 51,635 |
| Other Liabilities | 13,169 | 11,120 | 6,818 | 7,836 | 9,088 | 16,088 |
| Total Liabilities | 2,74,190 | 2,98,781 | 3,13,261 | 3,51,625 | 3,94,613 | 4,72,586 |
| Fixed Assets | 2,911 | 3,358 | 3,701 | 3,716 | 4,567 | 4,989 |
| CWIP | 1.01 | 0.00 | 0.00 | 14.03 | 74.22 | 67.18 |
| Investments | 95,527 | 97,692 | 93,695 | 99,161 | 1,10,652 | 1,19,317 |
| Other Assets | 1,75,751 | 1,97,731 | 2,15,867 | 2,48,734 | 2,79,319 | 3,48,212 |
| Cash & equivalents | 12,191 | 22,731 | 17,142 | 16,896 | 18,114 | 16,605 |
| Total Assets | 2,74,190 | 2,98,781 | 3,13,261 | 3,51,625 | 3,94,613 | 4,72,586 |
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Cash from operating activity | 4,958 | 5,548 | −13,682 | −1,121 | 2,653 | 4,784 |
| Cash from investing activity | −45.84 | −48.84 | −558 | −357 | −577 | −637 |
| Cash from financing activity | 1,814 | 479 | −1,915 | −528 | 337 | −138 |
| Net cash flow | 6,686 | 5,943 | −16,068 | −1,998 | 2,396 | 3,985 |
| Capex | 65.09 | 56.08 | 583 | 366 | 604 | 647 |
| Free cash flow | 4,906 | 5,487 | −14,225 | −1,477 | 2,067 | 4,139 |
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| ROE % | 4.0% | 9.0% | 9.0% | 9.9% | 10.9% | 16.0% |
For the Sep 2026 quarter, Indian Overseas Bank reported revenue of ₹9,227 Cr, up 17.3% year on year and net profit of ₹1,962 Cr, up 55.9% year on year.
Indian Overseas Bank's revenue for the year to Mar 2026 were ₹31,951 Cr; over the last twelve months they were ₹34,722 Cr.
Net profit for the year to Mar 2026 was ₹5,409 Cr, and ₹6,653 Cr over the last twelve months. Earnings per share over the same trailing period were ₹3.42.
Cash from operations was ₹4,784 Cr in the year to Mar 2026; after capital spending, free cash flow was ₹4,139 Cr.