What the business is, and whether it's a good one at a fair price.
A public sector commercial bank serving over 46 million customers through 3,522 domestic branches, 3,691 ATMs and 13,401 business correspondents, with a presence in Singapore, Hong Kong, Thailand and Sri Lanka. Revenue is earned primarily through net interest income on its advances book funded by deposits, alongside fee income and treasury trading gains. Retail Banking is the largest revenue segment at 42.6% of segment revenue (₹10,424.42 crore), followed by Corporate/Wholesale Banking at 31.1% (₹7,612.15 crore) and Treasury Operations at 23.2% (₹5,670.89 crore), which earns from the bank's investment portfolio in government securities and bonds. The bank also runs an international business spanning FCNR deposits (target USD 600-650 million by September 2026) and a GIFT City branch targeting a USD 500 million book by FY27-end. Asset quality has tightened sharply — gross NPAs at 1.33% and net NPAs at 0.18% — with capital adequacy at 19.36% versus an 11.50% regulatory minimum. The largest cost driver is interest paid on deposits, and the cost-to-income ratio rose to about 54% in Q1 FY27 from 44% on higher staff expenses.
Measured from the filed financials, judged against its Public Sector Bank peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
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Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Who owns it — and is the promoter stake clean?
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Answered from INDIAN OVERSEAS BANK's filed financials and exchange disclosures
INDIAN OVERSEAS BANK is a Banks company listed on NSE and BSE, trading under the symbol IOB.
Yes. Over the trailing twelve months INDIAN OVERSEAS BANK reported a net profit of ₹5,758 Cr.
Not in the latest reported year — INDIAN OVERSEAS BANK's dividend payout for FY26 was nil.
No..
On trailing P/E, INDIAN OVERSEAS BANK ranks 10 of 12 in Public Sector Bank — cheaper than 18% of them, against an industry median of 7.7×. This is a position, not a valuation judgement.
On a typical session INDIAN OVERSEAS BANK moves 0.89% — that is the median absolute close-to-close move across its last 269 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by INDIAN OVERSEAS BANK appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
