This is a numbers-first look at Indian Overseas Bank (IOB), covering income trends, margins, valuation, and shareholding.
IOB Revenue Trend
Revenue for Indian Overseas Bank came in at ₹37,743 Cr in FY2026, growing 11.8% year-over-year.
On a 10-year view, revenue grew from ₹26,046 Cr to ₹37,743 Cr at a 3.8% CAGR — slow growth that may signal a maturing business.
Indian Overseas Bank is a major banks company by revenue, with a top line of ₹37,743 Cr.
It's been 4 years of continuous revenue growth for Indian Overseas Bank — a pattern worth noting.
| Year | Revenue | YoY % |
|---|---|---|
| FY2026 | ₹37,743 Cr | +11.8% |
| FY2025 | ₹33,750 Cr | +13.5% |
| FY2024 | ₹29,731 Cr | +26.4% |
| FY2023 | ₹23,523 Cr | +8.7% |
| FY2022 | ₹21,641 Cr | — |
View Indian Overseas Bank 's full 10-year revenue trend with CAGR analysis →
IOB Profitability
Indian Overseas Bank 's bottom line improved to ₹5,208 Cr in FY2026, a 56.2% increase over the prior year.
The net margin expanded from 9.9% to 13.8%, reflecting improved operational efficiency.
On a per-share basis, diluted earnings were ₹2.70 in FY2026 versus ₹1.76 in FY2025.
Is IOB Undervalued
Indian Overseas Bank shares are currently trading at ₹34.10.
Craytheon calculates intrinsic value using the P/B Ratio, P/E Ratio, and EPS Growth models. All three appear in the Valuation Models cards below.
Valuation Models
IOB Shareholding Pattern
The promoter stake has come down from 94.6% to 92.4%, which bears watching.
Foreign institutional investors (FIIs) held 0.5% as of June 2026, up from 0.3% a year ago.
DII holding is at 4.3%, up from 2.3% in the year-ago quarter.
| Quarter | Promoter | FII | DII | Public |
|---|---|---|---|---|
| Jun 2026 | 92.4% | 0.5% | 4.3% | 2.8% |
| Mar 2026 | 92.4% | 0.4% | 4.3% | 2.9% |
| Dec 2025 | 92.4% | 0.3% | 4.3% | 2.9% |
| Sep 2025 | 94.6% | 0.3% | 2.3% | 2.8% |
Track quarterly shareholding changes for Indian Overseas Bank →
IOB Balance Sheet
Proportional view as of 3 Aug 2026. Hover blocks for details.
Assets
Liabilities & Equity
In FY2026, the total asset base came in at ₹4,727.95B, up 19.8% YoY from ₹3,947.08B.
Loans & Advances accounts for 64.9% of the total, ahead of Investments (25.2%) and Cash (5.3%).
Funding mix: 77.9% Deposits, 10.9% Borrowings, 7.8% Equity, 3.4% Other Liabilities. Over the year, deposits are up 18.0% and equity is up 14.8%.
Balance sheet composition — FY 2026
| Category | Value |
|---|---|
| Cash | 252.23B |
| Loans & Advances | 3,066.22B |
| Investments | 1,192.85B |
| Other Assets | 216.66B |
| Category | Value |
|---|---|
| Equity | 369.91B |
| Deposits | 3,681.91B |
| Borrowings | 516.03B |
| Other Liabilities | 160.11B |
IOB Stock Analysis
Here's the bottom line on Indian Overseas Bank (IOB) based on the latest available financials.
Revenue of ₹37,743 Cr in FY2026, up 11.8% year-over-year.
Long-term revenue has been compounding at 3.8% annually over 10 years.
The company is profitable, with a net margin of 13.8% and net income of ₹5,208 Cr.
Unlock Full Analysis
See the full picture — Craytheon tracks 10 years of financial data with interactive charts, growth trends, and four valuation models for Indian Overseas Bank .