Indian Overseas Bank

Web: iob.in NSE: IOB BSE: 532388 SECTOR: Financial Services - Banks

34 1(-2%)

Near 52W Low of 31

Volume

39L as on 22, Jul

Open

High

Low

VWAP

52 Week High

52 Week Low

Viand Research Rating

Quality Score

71/100

Growth Score

31/100

Valuation Score

85/100

Momentum Score

20/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

65,338

No. of Shares

1926

P/E

17.74

P/B

3.63

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

10.33

ROCE

Profit Growth

Listing Date

07-Dec-00

Promoter Holding

92.44%

FII Holding

0.47%

DII Holding

4.29%

Price Chart

Price Performance

1 Week2%

1 Month2%

3 Months2%

6 Months0%

1 Year12%

YTD5%

Moving Average

5 Day SMA34

10 Day SMA34

20 Day SMA34

30 Day SMA34

50 Day SMA34

61 Day SMA34

80 Day SMA34

200 Day SMA36

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	37	36	37	37
Resistance 2	37	35	36	37
Resistance 1	36	35	36	36
Pivot Point	35	35	35	35
Support 1	35	35	35	35
Support 2	34	35	35	34
Support 3	33	35	34	33

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,092	745	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,27,519	1432	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,32,939	1011	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,45,596	1037	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,31,300	420	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,686	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,79,569	1220	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,01,304	1882	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,40,565	1022	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,84,339	1837	3%	0%	11%	0%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021
Promoters	(0.01) 92.44%	(0.01) 92.44%	(-2.21) 92.44%	(0.01) 94.61%	(0.01) 94.61%	(-1.81) 94.61%	(0.01) 96.38%	(0.01) 96.38%	(0.01) 96.38%	(0.01) 96.38%	(0.01) 96.38%	(0.01) 96.38%	(0.01) 96.38%	(0.01) 96.38%	(0.01) 96.38%	(0.01) 96.38%	(0.01) 96.38%	(0.01) 96.38%	(0.01) 96.38%	(0.01) 96.38%
FIIs	(0.01) 0.47%	(0.11) 0.43%	(0.01) 0.35%	(0.21) 0.31%	(-0.11) 0.08%	(0.21) 0.22%	(0.01) 0.02%	(0.01) 0.04%	(0.01) 0.05%	(0.01) 0.05%	(-0.11) 0.03%	(0.11) 0.15%	(-0.11) 0.09%	(0.01) 0.14%	(0.01) 0.10%	(0.01) 0.08%	(0.01) 0.07%	(0.01) 0.08%	(0.01) 0.07%	(0.01) 0.08%
DIIs	(0.01) 4.29%	(0.01) 4.28%	(2.01) 4.26%	(-0.11) 2.30%	(-0.21) 2.37%	(1.31) 2.59%	(0.01) 1.30%	(0.01) 1.30%	(0.01) 1.30%	(0.01) 1.29%	(0.01) 1.29%	(0.01) 1.33%	(0.01) 1.33%	(0.01) 1.35%	(0.01) 1.36%	(0.01) 1.34%	(0.01) 1.33%	(0.01) 1.31%	(0.01) 1.31%	(0.01) 1.30%
Public	2.80%	2.85%	2.93%	2.78%	2.94%	2.58%	2.30%	2.29%	2.27%	2.28%	2.28%	2.13%	2.20%	2.11%	2.16%	2.19%	2.21%	2.23%	2.24%	2.24%
No. of Shareholders	955,025	968,298	981,829	988,551	1,008,128	977,863	977,917	977,592	996,568	1,006,185	727,348	668,177	510,387	509,599	511,642	471,356	474,939	473,897	471,872	444,068

Quarterly Results

	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021	Jun 2021
Sales	8778	8489	8172	7851	7387	7635	7116	6854	6539	6634	6180	5825	5427	5195	5057	4719	4436	4216	4199	4256	4065
Sales Growth % (YoY)	18.8%	11.2%	14.8%	14.6%	13%	15.1%	15.2%	17.7%	20.5%	27.7%	22.2%	23.4%	22.4%	23.2%	20.4%	10.9%	9.1%	-	-	-	-
Sales Growth % (QoQ)	3.4%	3.9%	4.1%	6.3%	-3.2%	7.3%	3.8%	4.8%	-1.4%	7.3%	6.1%	7.3%	4.5%	2.7%	7.2%	6.4%	5.2%	0.4%	-1.3%	4.7%	-
Expenses	3989	3102	3430	2698	2714	3152	2852	3191	2738	4049	2583	2829	2621	2822	2664	2585	1953	2516	2234	2088	2256
Operating Profit	-301	368	-132	364	34	-27	-60	-652	-295	-1283	-183	-481	-296	-544	-391	-630	-198	-905	-661	-454	-758
OPM %	-3	4	-2	5	0	0	-1	-10	-5	-19	-3	-8	-5	-10	-8	-13	-4	-21	-16	-11	-19
Other Income	2160	1291	1499	1365	1480	1581	1298	1634	1033	2479	1263	1117	807	1436	951	1135	595	1505	1120	837	1095
Interest	5090	5019	4874	4790	4639	4510	4324	4315	4096	3868	3780	3477	3102	2917	2784	2764	2681	2605	2626	2622	2567
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	1859	1659	1367	1729	1515	1554	1238	982	739	1196	1080	636	511	891	560	505	397	600	459	383	337
Tax %	11	9	0	29	27	32	29	21	14	32	33	1	1	26	1	1	1	8	2	2	2
Net Profit	1716	1556	1427	1259	1178	1092	875	780	649	810	724	627	504	656	555	500	393	552	451	377	330
Net Profit Growth % (QoQ)	10.3%	9%	13.3%	6.9%	7.9%	24.8%	12.2%	20.2%	-19.9%	11.9%	15.5%	24.4%	-23.2%	18.2%	11%	27.2%	-28.8%	22.4%	19.6%	14.2%	-
Net Profit Growth % (YoY)	45.7%	42.5%	63.1%	61.4%	81.5%	34.8%	20.9%	24.4%	28.8%	23.5%	30.5%	25.4%	28.2%	18.8%	23.1%	32.6%	19.1%	-	-	-	-
TTM Net Profit	5958	5420	4956	4404	3925	3396	3114	2963	2810	2665	2511	2342	2215	2104	2000	1896	1773	1710	1158	707	0
EPS in Rs	0.89	0.81	0.74	0.65	0.61	0.57	0.46	0.41	0.34	0.43	0.38	0.33	0.27	0.35	0.29	0.26	0.21	0.29	0.24	0.2	0.17

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2002
Sales	31896	28144	24066	19407	16736	16976	3171
Sales Growth %	13.3%	17%	24%	16%	-1.4%	-	-
Expenses	11421	11538	11746	9763	9270	10367	1273
Operating Profit	1153	-639	-1906	-1503	-2954	-4461	-305
OPM %	4	-2	-8	-8	-18	-26	-10
Other Income	5847	5607	5665	4116	4905	5486	536
Interest	19322	17244	14226	11146	10419	11069	2203
Depreciation	521	395	336	260	173	258	0
Profit before tax	6478	4573	3423	2353	1779	767	231
Tax %	16	26	22	11	4	1	0
Net Profit	5418	3396	2666	2104	1709	758	231
Net Profit Growth %	59.5%	27.4%	26.7%	23.1%	125.5%	228.1%	-
EPS in Rs	2.81	1.76	1.41	1.11	0.9	0.46	0
Dividend Payout %	0	0	0	0	0	0	23

Cash Flows

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Cash from Operating Activity	4780	2647	-1119	-13655	5539	4949
Cash from Investing Activity	-639	-579	-359	-560	-49	-46
Cash from Financing Activity	-138	337	-528	-1916	479	1813
Net Cash Flow	4003	2405	-2006	-16130	5969	6716

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2002
Equity Capital	19257	19257	19257	18902	18902	18902	18902	16647	445
Reserves	17734	14975	12977	9202	8659	5974	3695	452	654
Borrowings	0	0	0	0	0	0	0	0	0
Other Liabilities	16011	12152	9045	8724	7799	6785	11148	13106	2389
Total Liabilities	472795	431883	394710	376363	351869	313438	299030	274229	35477
Fixed Assets	5007	4989	4581	3736	3726	3711	3366	2918	387
CWIP	67	0	74	0	14	0	0	1	0
Investments	119285	115953	110588	106953	99194	93643	97641	95485	15015
Other Assets	348436	310941	279467	265673	248935	216085	198023	175825	20075
Total Assets	472795	431883	394710	376363	351869	313438	299030	274229	35477

Delivery

#	Date	32 13% 37	Value (Cr)	Q/T 340	Del 38	Del 15
1	22-Jul	35	14	319	47	6
2	21-Jul	35	68	475	31	21
3	20-Jul	35	107	510	16	18
4	17-Jul	34	6	211	47	3
5	16-Jul	34	5	124	54	3
6	15-Jul	34	8	206	37	3
7	14-Jul	34	8	230	52	4
8	13-Jul	34	16	321	48	8
9	10-Jul	35	13	237	37	5
10	9-Jul	34	6	153	29	2
11	8-Jul	33	14	232	39	5
12	7-Jul	34	7	195	47	3
13	6-Jul	34	5	162	47	2
14	3-Jul	34	9	257	51	5
15	2-Jul	34	7	202	34	2
16	1-Jul	34	7	219	46	3
17	30-Jun	34	6	206	36	2
18	29-Jun	34	12	218	44	5
19	25-Jun	34	8	254	43	4
20	24-Jun	35	9	289	29	3
21	23-Jun	35	15	377	56	8
22	22-Jun	35	14	237	34	5
23	19-Jun	35	17	308	35	6
24	18-Jun	35	20	326	40	8
25	17-Jun	36	110	557	25	28
26	16-Jun	34	7	233	43	3
27	15-Jun	34	12	279	47	6
28	12-Jun	33	14	339	41	6
29	11-Jun	32	12	278	49	6
30	10-Jun	33	14	306	46	7
31	9-Jun	33	17	380	48	8
32	8-Jun	33	8	237	39	3
33	5-Jun	33	17	347	44	7
34	4-Jun	33	7	226	39	3
35	3-Jun	33	9	268	37	3
36	2-Jun	33	11	261	45	5
37	1-Jun	33	11	212	49	6
38	29-May	33	12	270	58	7
39	27-May	34	9	286	42	4
40	26-May	34	10	337	45	4
41	25-May	34	13	413	60	8
42	22-May	33	8	322	51	4
43	21-May	34	9	320	51	5
44	20-May	33	6	232	37	2
45	19-May	34	5	214	43	2
46	18-May	33	9	229	40	4
47	15-May	34	5	239	46	2
48	14-May	34	8	270	32	2

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	65,338c	1,194c	1.79
22-Jul	66,532c	1,252c	1.85
21-Jul	67,783c	2,484c	3.80
17-Jul	65,299c	308c	0.47
16-Jul	64,991c	250c	0.38
15-Jul	65,241c	366c	0.56
14-Jul	64,876c	1,252c	1.89
13-Jul	66,127c	173c	0.26
10-Jul	65,954c	867c	1.33
09-Jul	65,087c	424c	0.66
08-Jul	64,664c	809c	1.24
07-Jul	65,472c	443c	0.67
06-Jul	65,915c	366c	0.55
02-Jul	66,281c	366c	0.56
01-Jul	65,915c	58c	0.09
30-Jun	65,858c	289c	0.44
29-Jun	66,146c	193c	0.29
26-Jun	66,339c	462c	0.69
25-Jun	66,801c	366c	0.54
24-Jun	67,167c	173c	0.26
23-Jun	67,340c	828c	1.21
22-Jun	68,168c	366c	0.54
19-Jun	67,803c	19c	0.03
18-Jun	67,822c	578c	0.84
17-Jun	68,399c	2,812c	4.29
16-Jun	65,588c	308c	0.47
15-Jun	65,280c	1,155c	1.80
12-Jun	64,124c	944c	1.49
11-Jun	63,181c	1,714c	2.64
10-Jun	64,895c	0	0

Stock Checklist

Price is below from 52 week high low average: 48%

Stock is trading above all short term SMAs: YES

Stock is trading above all long term SMAs: NO

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: YES

Promoters are buying the stock: NO

Mutual Fund Holdings

Held by 97 fund scheme(s) across 21 fund house(s) as of Jul26 · Total value ₹21,258 Cr · 18 increasing / 6 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
Tata Mutual Fund	2	8.66%	-	6407.5
HDFC Mutual Fund	12	2.16%	+2.77%	6023.4
Kotak Mahindra Mutual Fund	8	1147.11%	+2.62%	1927.1
Aditya Birla Sun Life Mutual Fund	2	2.46%	-	1546.3
ICICI Prudential Mutual Fund	10	0.48%	+0.82%	1293
SBI Mutual Fund	8	179.45%	-	1148.5
UTI Mutual Fund	3	1.85%	-	1132.2
Nippon India Mutual Fund	6	0.74%	-	771
ICICI Prudential Asset Management Company Limited	4	0.55%	+1.74%	621.4
Sundaram Mutual Fund	2	9.15%	-	377
Motilal Oswal Mutual Fund	6	0.10%	-	7.3
Groww Mutual Fund	6	7.29%	-	1
Edelweiss Mutual Fund	2	0.28%	-	1
Jio BlackRock Mutual Fund	1	0.26%	-	0.9
Bandhan Mutual Fund	4	0.15%	-	0.4
Axis Mutual Fund	2	0.03%	-	0.1
Navi Mutual Fund	4	0.08%	-	0.1
DSP Mutual Fund	6	0.10%	-	0
Angel One Mutual Fund	2	0.03%	-	0
Zerodha Mutual Fund	1	0.12%	-0.01%	0
Mirae Asset Mutual Fund	6	0.02%	-	-0.7

Indian Overseas Bank

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