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 ₹33,750 Cr in FY2025, growing 13.5% year-over-year.
On a 10-year view, revenue grew from ₹26,077 Cr to ₹33,750 Cr at a 2.6% CAGR — slow growth that may signal a maturing business.
Indian Overseas Bank is a major banks company by revenue, with a top line of ₹33,750 Cr.
It's been 3 years of continuous revenue growth for Indian Overseas Bank — a pattern worth noting.
| Year | Revenue | YoY % |
|---|---|---|
| FY2025 | ₹33,750 Cr | +13.5% |
| FY2024 | ₹29,731 Cr | +26.4% |
| FY2023 | ₹23,523 Cr | +8.7% |
| FY2022 | ₹21,641 Cr | -3.9% |
| FY2021 | ₹22,525 Cr | — |
View Indian Overseas Bank 's full 10-year revenue trend with CAGR analysis →
IOB Profitability
Indian Overseas Bank 's bottom line improved to ₹3,335 Cr in FY2025, a 25.1% increase over the prior year.
The net margin expanded from 9.0% to 9.9%, reflecting improved operational efficiency.
On a per-share basis, diluted earnings were ₹1.76 in FY2025 versus ₹1.40 in FY2024.
Is IOB Undervalued
Using the P/E Ratio methodology, the calculated intrinsic value comes to ₹38.
Indian Overseas Bank shares are currently trading at ₹33.01.
Craytheon also calculates intrinsic value using the EPS Growth and P/B Ratio models. The full breakdown with assumptions is available in the detailed analysis.
| Model | Est. Fair Value | vs. Current Price |
|---|---|---|
| P/E Ratio | Upgrade | Upgrade |
| EPS Growth | Upgrade | Upgrade |
| P/B Ratio | ₹38 | 13.7% upside to fair value |
See all valuation models for Indian Overseas Bank with detailed assumptions →
IOB Shareholding Pattern
The promoter stake has come down from 94.6% to 92.4%, which bears watching.
Foreign institutional investors (FIIs) held 0.4% as of March 2026, up from 0.1% a year ago.
DII holding is at 4.3%, up from 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 3 Jun 2026. Hover blocks for details.
Assets
Liabilities & Equity
In FY2025, the total asset base came in at ₹3,947.08B, up 12.2% YoY from ₹3,518.69B.
Loans & Advances accounts for 62.2% of the total, ahead of Investments (28.0%) and Cash (5.4%).
Funding mix: 79.0% Deposits, 10.7% Borrowings, 8.2% Equity, 2.1% Other Liabilities. Over the year, deposits are up 9.0% and equity is up 17.0%.
Balance sheet composition — FY 2025
| Category | Value |
|---|---|
| Cash | 212.20B |
| Loans & Advances | 2,455.55B |
| Investments | 1,105.88B |
| Other Assets | 173.45B |
| Category | Value |
|---|---|
| Equity | 322.33B |
| Deposits | 3,119.39B |
| Borrowings | 422.28B |
| Other Liabilities | 83.08B |
IOB Stock Analysis
Here's the bottom line on Indian Overseas Bank (IOB) based on the latest available financials.
Revenue of ₹33,750 Cr in FY2025, up 13.5% year-over-year.
Long-term revenue has been compounding at 2.6% annually over 10 years.
The company is profitable, with a net margin of 9.9% and net income of ₹3,335 Cr.
The P/B Ratio model implies 13.7% 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 .