What follows is a numbers-first look at Indian Overseas Bank (IOB), covering income trends, margins, valuation, and shareholding.
IOB Revenue Trend
Indian Overseas Bank posted revenue of ₹37,743 Cr in FY2026, an 11.8% rise year-over-year.
Zooming out to a 10-year view, revenue has grown from ₹26,046 Cr to ₹37,743 Cr at a 3.8% CAGR. That pace is modest and may point to a maturing business.
By revenue, Indian Overseas Bank is a significant banks company, with a top line of ₹37,743 Cr.
Indian Overseas Bank has now logged 4 consecutive years of revenue growth, a track record that commands attention.
| 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
The bottom line at Indian Overseas Bank improved sharply to ₹5,208 Cr in FY2026, a 56.2% jump over the prior year.
Net margin widened from 9.9% to 13.8%, pointing to meaningfully better operational efficiency.
On a per-share basis, diluted earnings reached ₹2.70 in FY2026, up from ₹1.76 in FY2025.
Is IOB Undervalued
Under the P/B Ratio methodology, the calculated intrinsic value comes to ₹42.
Shares of Indian Overseas Bank are currently trading at ₹34.15.
Craytheon also calculates intrinsic value using the P/E Ratio and EPS Growth models. The full breakdown, with underlying assumptions, is available in the detailed analysis.
| Model | Est. Fair Value | vs. Current Price |
|---|---|---|
| P/B Ratio | ₹42 | 23.0% upside to fair value |
| P/E Ratio | Upgrade | Upgrade |
| EPS Growth | Upgrade | Upgrade |
See all valuation models for Indian Overseas Bank with detailed assumptions →
IOB Shareholding Pattern
The promoter stake has slipped from 94.6% to 92.4%, a decline worth monitoring.
Foreign institutional investors (FIIs) held 0.4% as of March 2026, up from 0.1% a year earlier.
DII holding stands at 4.3%, compared with 2.4% in the year-ago quarter.
| Quarter | Promoter | FII | DII | Public |
|---|---|---|---|---|
| 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% |
| Jun 2025 | 94.6% | 0.1% | 2.4% | 2.9% |
Track quarterly shareholding changes for Indian Overseas Bank →
IOB Balance Sheet
Proportional view as of 13 Jul 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 is a snapshot of Indian Overseas Bank (IOB) based on the latest available financials.
Revenue came in at ₹37,743 Cr in FY2026, up 11.8% year-over-year.
Over the past 10 years, revenue has compounded at 3.8% annually.
The bank is profitable, with a net margin of 13.8% and net income of ₹5,208 Cr.
The P/B Ratio model implies 23.0% upside to fair value from the current price. The remaining three models are worth cross-checking before drawing a conclusion — sign up to see the full analysis.
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 .